Overview / Commentary
509-535-7613
14610 E Sprague Ave
Spokane Valley, WA 99216

Numerica Credit Union is headquartered in Spokane Valley and is the 4th largest credit union in the state of Washington. It is also the 112th largest credit union in the nation. It was established in 1937 and as of September of 2018, it had grown to 542 employees and 144,867 members at 23 locations. Numerica Credit Union's CD rates are 44% higher than 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 the North Idaho Panhandle, State of Idaho.
See current membership details

Related Posts

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Love Online Banking!!

Posted by: ATMarie | Jan 2, 2016

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.

Numerica - Convenient and Helpful

Posted by: Ryan123 | Nov 19, 2016

The bank has helpful customer service representatives who walked me through how to get a cashiers check when I needed one for a deposit on an apartment. The bank was sufficiently staffed that the representative took time talking with me, but enough other reps were available that a line did not back up. Additionally, the bank offered the highest returns on savings accounts and CDs of any of the banks I looked into or was familiar with, as well as CDs with flexible terms. In an economy where savings accounts interest returns are practically non-existent at most banks, this was a major selling point. While they are a local bank, they have a sufficient number of locations both of branches and ATMs to be convenient and easy to use. Locations include open hours outside the typical 9 to 5 when the ordinary person is at work, with relatively long Saturday hours at most their branches, allowing for access to services at these time.

Consumer Beware

Posted by: bmik | Jan 18, 2019

Numerica credit union charged seven overdraft fees (called "courtesy pay") for a single overdraft transaction which, without the exorbitant fees assessed, would have resulted in a negative account balance of only $35.55. The overdraft fees charged for this single overdraft amounted to $210. My husband visited the Sullivan branch location, where the branch manager, Amber, reversed half of the $30 fee for each of the seven fees assessed, but demanded that we pay a total of $105 in overdraft fees for our single overdraft of $35.55. I called the call center attempting to resolve the issue, and eventually spoke with manager Jeanine, who refused to "override Amber's decision." I have been overdrawn on other bank accounts once or twice in the past, and have always received courtesy reversals of the fees because I am so rarely in this situation. I have never been charged seven overdraft fees for a single overdraft, or encountered such institutional disregard for customers. I would have happily paid even one $30 overdraft fee, since my account was very briefly overdrawn. However, the behavior of every employee involved in our dispute is unethical, and I will not be doing business with this organization any further.

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Health

Health Grade Components

Overall
NCUA #66841
Year Chartered1937
Employees542
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD10.37%
Annual Interest Income$73.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.26B$2.03B
LoansQ3 2018vs Q3 2017$1.87B$1.64B
DepositsQ3 2018vs Q3 2017$1.83B$1.71B
Equity CapitalQ3 2018vs Q3 2017$222.3MM$202.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$17.0MM$15.9MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$6.4MM$6.0MM
Real Estate OwnedQ3 2018vs Q3 2017$291.00K$49.00K
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
3.10%*-$2.5kBonus Saver (both Deposit & No Withdrawal bonuses are met)
OTHER TIERS: 0.10% $2.5k+
1.60%*-$2.5kBonus Saver (either Deposit or No Withdrawal bonus is met)
OTHER TIERS: 0.10% $2.5k+
0.60%*$100k*-IRA Savings
OTHER TIERS: 0.26% Up to $25k | 0.40% $25k - $50k | 0.55% $50k - $100k
0.10%$25-Savings Account
0.10%--Youth Savings
0.10%--Planet M Kids' Club

Numerica Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Peak MMA Savings
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $10k | 0.25% $10k - $25k | 0.40% $25k - $50k | 0.55% $50k - $100k

Numerica Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%*-$25kSequel Checking
OTHER TIERS: 0.05% $25k+

Numerica Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$1k-58 Month Relationship Share Certificate
2.00%$1k-30 - 35 Month Bump CD
2.00%$1k-28 Month Relationship Share Certificate
2.00%$1k-60 - 72 Month Share Certificate
1.80%$1k-15 Month Relationship Share Certificate
1.80%$1k-48 - 59 Month Share Certificate
1.75%$1k-36 - 47 Month Share Certificate
1.50%$1k-24 - 29 Month Share Certificate
1.40%$1k-18 - 23 Month Share Certificate
1.30%$1k-12 - 17 Month Share Certificate
1.00%$1k-6 - 11 Month Share Certificate
0.26%$1k-90 Day to 5 Month Share Certificate

Numerica Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$500-58 Month Relationship IRA Certificate
2.00%$500-30 - 35 Month Bump IRA
2.00%$500-28 Month Relationship IRA Certificate
2.00%$500-60 - 72 Month IRA Certificate
1.80%$500-15 Month Relationship IRA Certificate
1.80%$500-48 - 59 Month IRA Certificate
1.75%$500-36 - 47 Month IRA Certificate
1.50%$500-24 - 29 Month IRA Certificate
1.40%$500-18 - 23 Month IRA Certificate
1.30%$500-12 - 17 Month IRA Certificate
1.00%$500-6 - 11 Month IRA Certificate
0.26%$500-90 Day to 5 Month IRA Certificate
Locations

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