Numerica Credit Union


Overview / Commentary
800-255-9194
14610 E Sprague Ave
Spokane Valley, WA 99216

Numerica Credit Union is headquartered in Spokane Valley and is the 6th largest credit union in the state of Washington. It is also the 115th largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 653 employees and 173,989 members at 23 locations. Numerica Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Numerica Credit Union is open to anyone who lives, works, or worships in Washington State, or in Idaho's North Panhandle. Family members and household members of eligible individuals also qualify for membership.
See current membership details

What A Great Credit Union

Posted by: |

I open an account last week and I wanted to share my experience with them I am going to give them five stars very easy to open an account they called me twice to go over my needs and asked me if I had any questions. they offered me a free checking account with free checks we did this right on the phone and a great CD rate! First class credit Union.

Great Rate Offered To WA Residents

Posted by: |

My banking experience with Numerica the past 5 months has been with their Certificate of Deposit products.They offered a 59 month CD paying 5% when very few other FI's were.The offer lasted 2/3 months and was teriffic for WA residents. All Cust. Serv. agents have been knowledgable, very pleasant, and able to perform all CD related transactions during phone conversations. Overall, very pleased so far with this FI.

Love Online Banking!!

Posted by: |

I have been a member with Numerica Credit Union for over 10 years and have yet to have a poor experience. I enjoy using the in-bank and drive thru tellers, but have to say that I most appreciate the great online banking site that Numerica provides. I don't always have time to stop at the bank and it's so easy to access my account online and move money around as necessary, even with my children, who are also Numerica members. Transferring money to their accounts is so easy and a great tool that takes seconds, without the hassle of making a phone call or driving into the bank. I also appreciate the security of the online banking site. I don't mind having to answer a security question and appreciate that it informs you if your had any recent failed attempts. Thank you for offering this tool!!

Some Application Information

I was attracted by the high CD rate, so I called, then initiated the application process. The customer service rep told me that, as a new member, I needed to establish a savings or checking account with $25. My understanding was that was the extent of the qualifying requirements (given that I live in the service area), but the online application for such an account indicated there was also a $20 membership fee. The application required a cell phone number.
This is a deal breaker for me, so I terminated the application.
Additionally, the customer service rep told me that they do not do a "hard' credit pull for someone who is merely setting up a deposit account (but do other inquiries based on SS#). This is good news coming from a credit union as too many require such a pull, even though they are not extending credit.
As you may notice, the rates/yields they offer on routine banking accounts are dismal, other than the special CD rate I was chasing.

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Health

Health Grade Components

Overall
NCUA #66841
Year Chartered1937
Employees653
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.32%
Annual Interest Income$48.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.02B$3.8B
LoansQ1 2024vs Q1 2023$3.21B$3.09B
DepositsQ1 2024vs Q1 2023$3.29B$3.15B
Equity CapitalQ1 2024vs Q1 2023$346.2MM$317MM
Loan Loss AllowanceQ1 2024vs Q1 2023$43.2MM$39MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$8.6MM$3.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Numerica Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Numerica Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%*$0$2.5kBonus Saver (both Deposit & No Withdrawal bonuses are met)
OTHER TIERS: 0.05% $2.5k+
1.05%$0$2.5kBonus Saver (either Deposit or No Withdrawal bonus is met)
1.00%*$0-Growth Savings
OTHER TIERS: 0.05% $2k+
0.20%*$100k*-IRA Savings
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k
0.05%$0-Savings Account

Numerica Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Bonus MMA
OTHER TIERS: 0.05% $0 - $50k | 0.10% $50k - $100k | 0.20% $100k - $250k
0.20%*$100k*-Peak MMA Savings
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

Numerica Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$25kBonus Checking
OTHER TIERS: 0.05% $25k+

Numerica Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$25k-17 Month CD Special - New Money
4.45%$1k-12 - 17 Month CD
4.25%$1k-24 - 35 Month CD
4.20%$1k-18 - 23 Month CD
4.20%$1k-36 - 47 Month CD
3.95%$1k-48 - 59 Month CD
3.95%$1k-60 - 72 Month CD
0.40%$1k-6 - 11 Month CD
0.25%$1k-90 Day to 5 Month CD

Numerica Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$25k-17 Month IRA Special - New Money
4.45%$500-12 - 17 Month IRA
4.25%$500-24 - 35 Month IRA
4.20%$500-18 - 23 Month IRA
4.20%$500-36 - 47 Month IRA
3.95%$500-48 - 59 Month IRA
3.95%$500-60 - 72 Month IRA
0.40%$500-6 - 11 Month IRA
0.25%$500-90 Day to 5 Month IRA
Locations

Availability

Spokane Area

Interactive local rates map


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