1st North West


2 East Stephenson Street
Freeport, IL 61032
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

1st North West is an NCUA insured institution located in Freeport, IL. It was founded in 1961 and has approximately $3.21 millions in assets.

NCUA Insured Yes
Charter Number # # 14108
Date Established 1961
Assets $3.21 million
Loans $1.28 million
Deposits $2.59 million
Capital $0.63 million

Deposit Rates - January 25, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - January 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for 1ST NORTH WEST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.576% 2.500% 1.00 $2,500 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.243% 3.125% 1.00 $3,750 $1,071 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.656% 2.625% 0.38 $1,028 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Financial Details

1st North West Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st North West. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
1st North West U.S. Average
5.81% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, 1st North West had $38,787 in non-current loans and $0 in owned assets. To cover these potential losses it had $629,244 in net worth and $38,136 in loans loss reserves. That gives it a Texas Ratio of 5.81%.

Net Worth
1st North West U.S. Average
19.61% 12.91%

1st North West FCU has a net worth of 19.61% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 1st North West

Branches and Savings

What is 1st North West?

A credit union, registered with the NCUA under certificate #14108.
Learn more about credit unions here.

Is 1st North West FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join 1st North West?

Please see Field of Membership information above for information on who is eligible to join.

What are 1st North West's share account and share certificate rates?

1st North West's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 1st North West?

1st North West has total capital of $0.63 million. Full information on 1st North West's financial position is located above.

Who owns 1st North West?

Credit Unions are owned by their members.

Where are 1st North West branches located?

See branch locations nearby.

Are 1st North West ATMs Open 24/7?

Do 1st North West ATMs accept cash deposits?

Can 1st North West customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 1st North West have a mobile app?

Does 1st North West have mobile deposit?

Does 1st North West have quick pay?

How can 1st North West transfer money to other banks or credit unions?

Does 1st North West report to credit bureaus?

Does 1st North West use Chexsystems?

Does 1st North West use Equifax?

What is 1st North West's toll free phone number?

What is 1st North West's ACH Routing Number?

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Where can I find 1st North West's wire transfer form?

What is the 1st North West address for deposits?

What Products Does 1st North West Offer

Does 1st North West offer mortgages?

Compare mortgage rates here.

Does 1st North West offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st North West offer auto and RV loans?

Compare auto loan rates here.

Does 1st North West offer student loans or personal loans?

Compare personal loan rates here.

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