NORTHWEST WRAP UP A GREAT DEAL ON MODEL YEAR-END CLOSEOUTS WHAT S INSIDE: Car Loan Rates as Low as 1.49% APR*

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1 NORTHWEST FALL 2015 WRAP UP A GREAT DEAL ON MODEL YEAR-END CLOSEOUTS Car Loan Rates as Low as 1.49% APR* It s the time of year when car dealerships are trying to clear their inventory to make way for 2016 models. What does that mean to you? Now is your opportunity to negotiate a great price on a new vehicle. Before you head to the dealership, apply online at for your Pre-approved Auto Loan (PAL) check. You can shop up to 45 days with your financing in place. When you find the car you want, simply complete your PAL check and give it to the dealer. We have budget-friendly terms and rates as low as 1.49% APR.* And when you get an auto loan with us, you ll be payment-free for 90 days! This means you can treat yourself or a loved one to a new car for the holidays and you won t have any monthly payment until WHAT S INSIDE: Save for Your Dreams with our Certificates College Financing is Just a Click Away Apply online today for your car loan. Visit ** APR = Annual Percentage Rate. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is subject to change without notice.rate is based on model year and term. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Rate includes a 0.25% discount for applying online. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars (20+ years) add 4 percentage points to rates. Terms and rates will vary on loans for business purposes. Auto loan payment example: car loan with model year of and loan amount of $20,000 for three years at 1.49% APR will have a monthly payment of $ Open the Door to a Better Home Loan Pick the Credit Card That Fits You Best

2 APPLYING FOR COLLEGE? Financing Your College Tuition is Just a Click Away! As your son or daughter begins to apply for the college of their choice, keep in mind our low-cost Student Choice loan program for when it s time to start paying tuition expenses. This innovative line of credit* will help fill the college funding gaps that federal financial aid, grants and scholarships may leave behind. Student Choice offers a lower variable rate than commercial bank loans and there are no origination fees or prepayment penalties to worry about. Plus, Student Choice is convenient. Students need to apply just once and can borrow up to $75,000 with a parent co-signer throughout their college career. Once the loan is approved, funds will be distributed directly to the school. And your student doesn t have to stress about making loan payments while they re still in college since they can choose to have loan payments deferred until after graduation. To apply, visit The application is easy and a noobligation student loan quote will be received in minutes. *For undergraduate studies at an accredited four-year degree institution. SAVE FOR YOUR DREAMS WITH OUR CERTIFICATES If you re like most people you may sometimes find yourself dreaming about a new car, a bigger house or a tropical vacation paradise. We can help you achieve your dreams with a Northwest Federal certificate, offering you the flexibility to save for short or long-term goals. Terms start at three months and go up to five years. The longer the term, the higher the dividend rate you ll earn. Choose from the following options: Savings Certificate Flexible terms with as little as $500; highest rates paid on amounts of $100,000+ Add-On Certificate Start with a minimum of $500 and with a one- or two-year term, you can add to your Certificate over the length of your term a perfect option for your dream fund Youth Add-On Certificate Exclusively for our Youth Club Account members, start with $100 minimum with the flexibility of adding to your Certificate over the oneyear term IRA Certificate Receive excellent dividend rates for all types of Individual Retirement Accounts (IRAs) Start saving for your dreams! Log in to Online Banking and click Apply to open your certificate. If you haven t yet tried our Online Banking, enroll today. You ll enjoy convenient, free, secure, 24/7 access to your Northwest Federal accounts. Plus, you can add additional accounts in just minutes from your Online Banking account.

3 Open the Door to a Better Home Loan If you re in the market for a new home or thinking of refinancing your current mortgage to a lower rate, we can help you save money. Get up to $1,000 off your closing costs 1 when you apply online and close on your home purchase or refinance by December 31, You ll not only save money, but you can also save time. Our trusted mortgage lending representatives can help you understand the variety of mortgage options we offer and suggest the home loan that works best for you. Plus, we provide other helpful real estate resources, including: Real Estate Seminars and Webinars Learn the nuts and bolts of home buying by attending our free, monthly seminars or webinars led by local real estate experts. Visit to check our Upcoming Events calendar and to RSVP. HomeAdvantage Home Rebate Program Register for this free, members-only real estate rebate program and you ll be able to search online for local homes, research neighborhoods, check comparable sales prices in your area and more. GET UP TO $1,000 CLOSING COST CREDIT 1 PURCHASE OR REFINANCE Use an agent in the HomeAdvantage network and you re eligible for a rebate of 20% of your agent s commission saving you money every time you buy or sell. 2 Online Real Estate Calculators Try these online tools to help you decide what type of mortgage is best for you, whether now is the right time to refinance, get an estimate of your monthly payment, and much more. Home Insurance Coverage through NW Insurance Agency 3 Get a free, no-obligation insurance quote at In-house Settlement Service with Northwest Title & Escrow 4 Enjoy a seamless transaction when you use Northwest Title & Escrow for your real estate transaction (available only in Virginia, Maryland and District of Columbia). Apply online at for your free pre-approval and to take advantage of our $1,000 closing cost credit when you close on your home loan purchase or refinance by December Limited time offer. Available only for new applications on first mortgage purchase or refinance loans received beginning 9/1/15 and must go to settlement on your Northwest Federal home purchase or refinance by 12/31/15 to receive this offer. You must apply online to receive this offer. Certain product exclusions may apply. Closing cost savings of $1,000 is based upon a loan amount of $200,000 and an origination fee of.50%. Smaller loan amounts will receive a lower amount in closing cost credits. No partial credits permitted. Origination fee credit will be applied at closing. Credit cannot exceed actual cost of origination fee. 2 Buyers and sellers must use one of the real estate agents listed in the approved agent network to earn the rebate. Rebate amounts will vary depending on the price of the house sold or purchased, and the commissions paid out to the agent. Rebates are available in most states but not all states. Members are required to receive their HomeAdvantage rebate at closing. Examples of rebate amounts shown here are based on 3% commission rate; your agent s commission rate may differ. 3 Insurance products and services are offered through NW Insurance Agency, a subsidiary of Northwest Federal Credit Union. 4 Northwest Title & Escrow is a subsidiary of NW Capital Management.

4 PICK THE CREDIT CARD THAT FITS YOU BEST Northwest Federal offers some of the most competitive credit cards in the marketplace all with no annual fee, no cash advance fee and no balance transfer fee, including: Visa Platinum With variable rates as low as 7.00% APR*. FirstCard Visa Platinum Just awarded Best Credit Card by MONEY Magazine, this non-variable rate** credit card is designed for members who are establishing or re-establishing credit. Member Rewards MasterCard With rates as low as 8.00% APR* and reward points for purchases that can be used for cash back, travel or merchandise. For more information on the money-saving features and perks our cards provide, visit and apply today for the one that works best for you. ** Your initial Annual Percentage Rate (APR) will range from 7.00% to 18.00% based on the product you choose and your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount ** The non-variable Annual Percentage Rate (APR) is 9.99%. Credit card rates apply to cash advances, balance transfers and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount. MONEY Magazine Awards Us with Best Credit Card We re proud to announce our credit cards have gained national attention. The editors of MONEY Magazine have selected Northwest Federal s FirstCard Visa Platinum as Best Credit Card among thousands of cards in several categories! For more information on how our credit cards can benefit you, visit and apply today to start carrying The Best in your wallet.

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6 A BETTER KIND OF GIFT CARD Gift cards are now the most popular holiday gift and for good reason! They re simple and convenient for the giver. And they allow the recipient to choose a gift they really want. If you plan to buy some gift cards this year, visit one of our branches to purchase them. Compared to store-specific cards, ours offer lots of advantages: They re accepted at millions of locations, all over the world. They can be replaced if lost or stolen. UPCOMING EVENTS TUESDAY, NOVEMBER 3 Webinar: Building a Better Budget * 12:00 pm 1:00 pm Online TUESDAY, NOVEMBER 10 Webinar: Identity Theft Solutions * 12:00 pm 1:00 pm Online WEDNESDAY, NOVEMBER 11 Veterans Day All branches and offices closed SATURDAY, NOVEMBER 14 Seminar: Staging Your Home to Sell * 11:00 am 1:00 pm Herndon Branch THURSDAY, NOVEMBER 26 Thanksgiving Day All branches and offices closed SATURDAY, DECEMBER 5 Santa Photo Day 9:00 am 12:30 pm Herndon Branch WEDNESDAY, DECEMBER 9 Webinar: Ready, Set, Buy Preparing for a Spring Purchase * 12:00 pm 1:00 pm Online *RSVP at Your loved ones can activate them right away, and keep track of their balance online. Best of all, rather than running from store to store, you can take care of your entire gift card buying in one easy stop. Come in to any Northwest Federal branch, and let us know how many you need, and how much money to load onto each card. We ll be happy to help! Online Banking with Bill Pay PAY YOUR BILLS FOR A CHANCE TO WIN UP TO $2,500 Utility bill Phone bill Credit card bill Babysitter Visit for details. 200 Spring Street Herndon, VA Member Service Center (toll-free) (TTY) (fax) M F: 7:00 am 7:00 pm Sat: 8:00 am 1:00 pm Website Mobile Banking m.nwfcu.org nwfcu@nwfcu.org Telephone Banking (toll-free) Branches Chantilly, VA Gainesville, VA Herndon, VA Leesburg, VA Manassas, VA Vienna, VA Village Center (Herndon), VA ABA Routing Number NW Capital Management , ext (toll-free) Northwest Federal Credit Union Foundation (toll-free) Federally insured by NCUA Northwest Now is published by Northwest Federal Credit Union as an informative, educational service to members. Material in this publication may not be reproduced without written permission from the publisher. We welcome your comments or suggestions; please write us at Northwest Now, Northwest Federal Credit Union, P.O. Box 1229, Herndon, VA Northwest Federal Credit Union