--- title: "Northwestern Energy Employees Credit Union Rates: CDs to 0.35%" description: "Northwestern Energy Employees Credit Union rates today: savings & CDs up to 0.35% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Northwestern Energy Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/northwestern-energy-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Northwestern Energy Employees Credit Union Rates: CDs to 0.35% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New and Used Vehicle Loan** auto_any | — APR | 4.490% | any | Standard | Northwestern Energy Employees Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.490% | — | Standard | Northwestern Energy Employees Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.100% | — | Standard | | **Personal Cash Loan** personal | — APR | 9.900% | — | Standard | Northwestern Energy Employees Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **S8 Special/Club Shares** savings | 0.10% APY | 0.10% | — | Standard | | **S7 Christmas Club Account** savings | 0.20% APY | 0.20% | — | Specialty offer | | **S66 Roth Conversion IRA** ira | 0.35% APY | 0.35% | — | Standard | | **I2 2-year Certificate** cd_24mo | — APY | 2.75% | 24 mo | Context only | | **I6 6-month Certificate** cd_6mo | — APY | 3.00% | 6 mo | Context only | | **I1 1-year Certificate** cd_12mo | — APY | 3.50% | 12 mo | Context only | Northwestern Energy Employees Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 0.35% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/northwestern-energy-employees) , verified from [Northwestern Energy Employees Credit Union's official website](https://www.northwesternenergyemployeesfcu.org/) Loading branch locator… ## About Northwestern Energy Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.9K Assets $35.3M Founded 1974 Locations reported 3 NCUA charter 21609 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Frontier** Butte · Butte · MT · 59701 Branch in the same ZIP](https://rateapi.dev/credit-unions/idaho/frontier) [**Horizon** Butte Branch · Butte · MT · 59701 Branch in the same ZIP](https://rateapi.dev/credit-unions/washington/horizon) [**Southwest Montana Community** Butte · Butte · MT · 59701-3909 Branch in the same ZIP](https://rateapi.dev/credit-unions/montana/southwest-montana-community) [**Butte Community** Main Office · Butte · MT · 59701-5172 About 2.6 miles away](https://rateapi.dev/credit-unions/montana/butte-community) [**Mountain West** Mountain West FCU · Butte · MT · 59701-1916 About 3.3 miles away](https://rateapi.dev/credit-unions/montana/mountain-west) [**Clearwater** Clearwater - Butte Main · Butte · MT · 59701 About 3.7 miles away](https://rateapi.dev/credit-unions/montana/clearwater) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Northwestern Energy Employees Credit Union Membership eligibility from Northwestern Energy Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Northwestern Energy Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MT, SD - Employer NorthWestern Energy, EnCana, Power Maintenance Resources, Inc., Talen Energy Corporation - Association Mission Arts Employees Federal Credit Union Verified from [Northwestern Energy Employees Credit Union's membership page](https://www.northwesternenergyemployeesfcu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Northwestern Energy Employees Credit Union Employers 5 · Associations · Family 3 9 published paths to membership, last verified August 27, 2026, quoted from Northwestern Energy Employees Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Northwestern Energy - Works in state:MT “Employees of NorthWestern Energy who work in the state of Montana” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Employee of Northwestern Energy and Works in MT - Employee of Encana Oil and Gas - Works in state:MT “Employees of EnCana who work in the state of Montana” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Employee of Encana Oil and Gas and Works in MT - Employee of Power Maintenance “Power Maintenance Resources, Inc.” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Employee of Power Maintenance - Employee of Northwestern Energy - Works in state:SD “Employees of NorthWestern Energy who work in South Dakota or Nebraska and are paid from Butte Montana” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Employee of Northwestern Energy and Works in SD - Employee of Talen Energy - Work Location Butte, Montana (as written on the source page) “Employees of Talen Energy Corporation who work in Colstrip, Billings, and Butte, Montana” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Employee of Talen Energy and Works at Butte, Montana ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of union “Members of record of Mission Arts Employees Federal Credit Union” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Member of union ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member grandparent, parent, spouse, sibling, child, grandchild, adopted children, step-parents, step-children, step-siblings “"Immediate family" is defined as a grandparent, parent, spouse, sibling, child, or grandchild. For the purposes of this definition, immediate family member includes adopted children, step-parents, step-children, and step-siblings.” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Family member (grandparent, parent, spouse, sibling, child, grandchild, adopted children, step-parents, step-children, step-siblings) of a member - Family of a member household member “"Household members" are defined as persons living in the same residence and who maintain a single economic unit. This includes any person who is a permanent member of and participates in the maintenance of the household, including family members, domestic partners, foster children, and legal…” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Family member (household member) of a member - Family Of Deceased surviving spouse “Others who are eligible for membership are spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.northwesternenergyemployeesfcu.org/membership) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Northwestern Energy Employees Credit Union? Yes No ## Work at Northwestern Energy Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Northwestern Energy Employees Credit Union ranks against Montana peers. - See which AI assistants fetched Northwestern Energy Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=northwestern-energy-employees&state=montana&code=MT&name=Northwestern%20Energy%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Northwestern Energy Employees Credit Union offer? Northwestern Energy Employees Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Northwestern Energy Employees Credit Union rates updated? RateAPI verifies Northwestern Energy Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Northwestern Energy Employees Credit Union's rate data? Rate data is collected directly from Northwestern Energy Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Northwestern Energy Employees Credit Union's best CD rate? As of November 13, 2026, Northwestern Energy Employees Credit Union offers savings and certificate (CD) yields up to 0.35% APY. ### Who can join Northwestern Energy Employees Credit Union? Northwestern Energy Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 5 employers and 1 association for Northwestern Energy Employees Credit Union, each quoted from Northwestern Energy Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Northwestern Energy Employees Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana HELOC rate leaders](https://rateapi.dev/heloc-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.northwesternenergyemployeesfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Northwestern Energy Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Northwestern Energy Employees Credit Union curl "https://api.rateapi.dev/credit-unions/montana /northwestern-energy-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Northwestern Energy Employees Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/northwestern-energy-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp