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 5th largest credit union in the state of Washington. It is also the 114th largest credit union in the nation. It was established in 1937 and as of September of 2022, it had grown to 642 employees and 171,691 members at 22 locations. Numerica Credit Union's CD rates are 3X 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

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!!

We Love Wandermere Branch

We have banked with Numerica for years with business and personal accounts. They did a good job on our home loan when we refinanced a couple years ago also. We usually use two institutions for business checking (you know what they say about eggs in the basket...) but have constantly been in flux over the "other" bank. We get so disappointed with every other bank's service compared to Numericas that every year or two we change banks. Currently, we just use Numerica because we tried everyone else and can't find anyone who compares in options and service. They know us by name on site at our branch in Wandermere. They are thorough and helpful. It's nice to have a relationship of trust with your financial institution. Thanks Numerica.

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.

Give Me My Money!!!

No no no! What on Earth is going on with Numerica? I am flagged daily for fraud even though I work with the same internet company day in and day out. They flag it every single day and I'm spending less than $50 on the business that I do there. They are way overzealous on this fraud thing and they don't even send me fraud alerts or recognize the fact that they flag me. They want to blame Visa well it says Numerica on my card. I call in Daily and it probably spent 8 to 12 hours a week every single day calling them to release my card so I can conduct my business. They won't give me my money! I've never seen anything like this. I have been left walking home in the snow because I didn't get an Uber from their flagging, I've been left with a dinner tab for my entire family because they flagged me, the other night I came to a different state and I couldn't get a rental car at 2:00 in the morning because they flagged me. The fraud department will say they didn't flag me but when I call the next day and talk to the business office, they say oh yeah you were flagged. So nobody knows what's going on in that place. The customer service is nice but they're ineffective and they don't listen. They're so busy being Captain Save A Hoe that they don't realize what I'm saying is give me my money! This is ridiculous! I am complaining to everybody including the attorney general and the Better Business Bureau because this has cost me thousands and thousands of dollars and so much inconvenience and humiliation I can't believe this. It is so embarrassing for merchant to looking and say you're being suspected of fraud. I had to arm wrestle somebody to get my card back before they cut it up! I'm watching my account and I'm putting in complaints every day somebody should do something about it but they don't. And they won't elevate it to a level that that can actually fix it. I've asked them to take their fraud alerts completely off and told them I would sign any waiver that they need I'm in charge of my own money I don't need my bank to be my mom and dad. This is ridiculous and I really am furious. Thank goodness I am in a different state because I'm really really that mad. Give me my money!

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Health

Health Grade Components

Overall
NCUA #66841
Year Chartered1937
Employees642
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD12.2%
Annual Interest Income$91.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$3.63B$3.35B
LoansQ3 2022vs Q3 2021$3.00B$2.57B
DepositsQ3 2022vs Q3 2021$3.06B$2.90B
Equity CapitalQ3 2022vs Q3 2021$303.7MM$321.3MM
Loan Loss AllowanceQ3 2022vs Q3 2021$27.0MM$28.0MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$3.0MM$2.0MM
Real Estate OwnedQ3 2022vs Q3 2021$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%*-$2.5kBonus Saver (both Deposit & No Withdrawal bonuses are met)
OTHER TIERS: 0.05% $2.5k+
1.05%*-$2.5kBonus Saver (either Deposit or No Withdrawal bonus is met)
OTHER TIERS: 0.05% $2.5k+
1.00%*--Youth Savings
OTHER TIERS: 0.05% $2k+
0.20%*$100k*-IRA Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $100k
0.05%--Savings Account

Numerica Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Bonus MMA
OTHER TIERS: 0.20% Up to $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.20%*$100k*-Peak MMA Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

Numerica Credit Union Checking Account Rates

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

Numerica Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$25k-17 Month CD Special - New Money
3.00%$1k-12 - 17 Month Share Certificate
0.90%$1k-58 Month Relationship Share Certificate
0.75%$1k-60 - 72 Month Share Certificate
0.70%$1k-28 Month Relationship Share Certificate
0.70%$1k-48 - 59 Month Share Certificate
0.65%$1k-36 - 47 Month Share Certificate
0.50%$1k-24 - 35 Month Share Certificate
0.45%$1k-15 Month Relationship Share Certificate
0.40%$1k-18 - 23 Month Share Certificate
0.30%$1k-6 - 11 Month Share Certificate
0.26%$1k-90 Day to 5 Month Share Certificate

Numerica Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$25k-17 Month IRA Special - New Money
3.00%$500-12 - 17 Month IRA Certificate
0.90%$500-58 Month Relationship IRA Certificate
0.75%$500-60 - 72 Month IRA Certificate
0.70%$500-28 Month Relationship IRA Certificate
0.70%$500-48 - 59 Month IRA Certificate
0.65%$500-36 - 47 Month IRA Certificate
0.50%$500-24 - 35 Month IRA Certificate
0.45%$500-15 Month Relationship IRA Certificate
0.40%$500-18 - 23 Month IRA Certificate
0.30%$500-6 - 11 Month IRA Certificate
0.26%$500-90 Day to 5 Month IRA Certificate
Locations

Availability



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