Your First Choice for Financial Services

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Your First Choice for Financial Services

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A Credit Union doesnt profit. Its members do!

• Credit unions . . .
• Member-owned,not-for-profit financialcooperative
  s
• Higher savings rates,lower loan rates, and fewer
  service fees
• Each member owns one share and has one vote for
  Board of Directors

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Northwest Federal Credit Union

• Full-service financial institution
• Among the largest credit unions in VA
• Assets exceeding 800 million
• Chartered in 1947
• Earned highest ratingfrom federal regulator
• Located at 200 SpringStreet in Herndon
  231 Maple Avenue in
  Vienna, VA

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Why join?

• Your staff has provided the best customer
  service that I have ever received anywhere!
• - NWFCU Member Letter

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Reasons to join

• Youll save on fees
• Youll save on loans
• - Pay 4-7 less for credit cards
  - Pay 1-2 less on new car loans
• Youll earn more
• Earn 1-2 more on savings

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Reasons to join

• Your savings are federally insured
• Membership is free
• Membership is a lifelong benefit
• Your family may also join

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How to Join

• Open a savings share account with 5 or more
  by completing a membership application. Then
  open any accounts you like!

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Free Checking Accounts

• No minimum balance requirements
• Earn interest on any balance
• No monthly nor per item fees
• No check writing limits

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Free Checking Account

• Free HONOR, Star or Cirrus ATMs, point of sale
  MasterMoney check card access
• Free overdraft protection from your savings or
  Visa or MasterCard
• Monthly statements including eStatements
• Duplicates of each check
• Direct deposit and payrolldeduction

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Two Checking Options

• Regular Checking Account
• Earn more interest compared to ATM Checking
• Nominal transaction fee for using non-NWFCU ATMs
• ATM Checking Account
• Up to 5 free ATM transactions per month at
  non-NWFCU ATMs (We waive both our fee and up to
  1.50 of the other ATM fee)
• NWFCU VISA, MasterCard or Line of Credit required

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Access to Your Money

• Automated Teller Machines
• Northwest Federals ATMs (Free of charge)
• HONOR Cirrus ATMs
• HONOR Point of Sale
• Free MasterMoney Check Card
• Free NorthwestXpress 24-Hour Bank-by-Phone
  Service
• Free NWLink - PC Banking With Bill Paying Service

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Credit Cards

• VISA
• No annual fee
• Classic Low Variable Rate (Prime 3)
• Gold - Low Variable Rate (Prime 5)
• Free Access Checks

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Credit Cards

• Travel Rewards Gold MasterCard
• No annual fee option Low Variable Rate
  (Prime 7)
• Low 30 annual fee option Low Variable Rate
  (Prime 5)
• 1 in purchases 1 mileage point
• 5,000 Bonus points w/new card
• Free Access Checks
• Select free airfare, a cash rebate,
  or resort vacations

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Auto Services

• Auto Resources
• Free PC Carbook price printouts
• Free Auto Locating Service
• New Used Car Loans Leases
• Refinance Your Existing Car Loan and Get 50 or
  100 Cash Rebate

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Loans

• Competitive rates
• Personal or signature loans
• Education loans
• Mortgages
• Home equity loans
• Real estate relocation service

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Savings

• Savings or share accounts
• Money market savings accounts or Premium Savings
  Accounts
• Certificates of deposit
• Individual Retirement Accounts
• Holiday Club Accounts
• Trust and custodial accounts for children

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Your Money is Federally Insured

• Your savings are federally insured up to 100,000
  by the National Credit Union Administration
• IRAs are federally insured up to an additional
  100,000

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Northwest Services , LLC

• Insurance services
• Investment services
• Tax preparation services
• Extended warranties for new used cars
• Free Financial seminars

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Special Member Services

• Safe deposit boxes
• Free notary public service
• American Express Gift andTravelers cheques
• US Savings bonds
• Cashiers checks and money orders
• Free Budget counseling

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Stop by our Herndon Office

• Herndon Enterprise Office Park 200 Spring St.
  (Herndon Parkway)
• 830 AM - 330 PM M-W F
• 830 AM - 700 PM Thursday
• 900 AM - noon Saturday
• 24-hour ATMs

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Stop by our Vienna Office

• Glyndon Shopping Center
• 231 Maple Avenue, East
• 830 AM - 330 PM M-Th
• 830 AM - 700 PM Friday
• 900 AM - noon Saturday
• 24-hour ATMs

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Need more information?

• www.northwestfcu.org
• See your Employee Benefits Person
• Monthly newsletter statement inserts
• Herndon branch staff
• Vienna branch staff

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Call us!

• Call Center 703-709-8900, ext. 6007
• 700 AM - 700 PM M-F
  800 AM - 100 PM Saturday
• NorthwestXpress 24-Hour
  Bank-by-Phone[phone]

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We invite youto join today!
Information as of 2/02 and is subject to change
without notice