Numerica Credit Union (WA) Offers 25-Month CD Special - Limited Time


Availability: Washington State and North Idaho Panhandle

Now through July 3, 2015, Numerica Credit Union (Numerica) is offering a 25-month My Money Flexible Certificate Special (1.50% APY).

The 25-month My Money Flexible Certificate (CD) Special requires a minimum opening deposit of $1K and has no maximum balance cap.

As stated in the Share Certificate Disclosure, the Early Withdrawal Penalty reads as follows:

For accounts with terms in excess of 12 months up to and including 4 years, the amount of the early withdrawal penalty is 180 days interest on the amount withdrawn.


Numerica Credit Union is headquartered in Spokane Valley and offers membership to individuals who live, work, or worship in Washington State, or in the North Idaho Panhandle (State of Idaho).

In addition, persons related by blood or marriage, or reside with anyone eligible for Numerica membership are also eligible.

Joining Numerica can be done online, or in person at any of 17 Washington State branches located in Airway Heights, East Wenatchee, Entiat, Kennewick, Pasco, Richland, Spokane (6), Spokane Valley (4), Wenatchee, or two Idaho branches located in Coeur D’Alene and Hayden. Opening the 25-month CD Special requires an in-person branch visit or a phone call (800.433.1837).

Credit Union Overview

Numerica Credit Union has an overall health grade of "A+" at, with a Texas ratio of 2.32% (excellent) based on March 31, 2015 data. In the past year, Numerica has increased its total deposits by $98.82 Million, an excellent annual growth rate of 8.98%. Please refer to our financial overview of Numerica Credit Union for more details.

Numerica Credit Union ( NCUA Charter # 66841) was established in 1937 as the Spokane Railway Credit Union (SRCU), following the vast expansion of the railroad in the Northwest. As the economy changed, SRCU expanded its field of membership by adding employees of other transportation systems and shippers. The name was changed to Numerica Credit Union in 2000 to better reflect its expanding membership base, and after market research discovered that many potential members didn’t know they could join the Credit Union even though they weren’t railroad workers. Today, Numerica has more than 110,000 members and assets in excess of $1.4 Billion.

How the CD Compares

When compared to other similar length of term CDs tracked by, requiring a similar minimum deposit and available to Washington State residents, Numerica Credit Union’s 25-month My Money Flexible Certificate Special currently ranks 3rd.

The above rates are accurate as of 6/20/2015.

To search for nationwide CD rates and CD rates in your state, please refer to the CD rates section of

Hot 17-Month CD Special at Numerica Credit Union in WA and Parts of ID

Update 8/23/13: The 17-month CD special has expired

Numerica Credit Union has the best CD promotion that I’ve seen since June. Numerica is offering a special 17-month CD with a 1.70% APY. Minimum deposit is $1,000, and new money is required. This offer is scheduled to end on August 17th. The offer is listed at Numerica’s Specials & Promotions page as of 8/8/2013.

At the start of its online application, Numerica Credit Union lists three options to qualify for membership. These include:

  • Live, Work or Worship in Washington State
  • Live, Work or Worship in...
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Top Reward Checking and CD Rates at Numerica Credit Union in WA & ID - Local Only

Numerica Credit Union continues to offer a good deal on its reward checking account called Sequel Checking. Unfortunately, the rate did fall in January, but it remains fairly competitive with a top yield of 3.19% APY for balances up to $25K. My first review of this account was in June 2008, so the rates have held up fairly well. For a $25K balance, the rate is higher than what's available nationwide.

The credit union also offers some good CD deals. The two most competitive CDs are the 3-year CD which...

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World Series Certificate Special with a Rate up to 2.93% for 24 Months at Numerica Credit Union in WA & ID - Local Only
Numerica Credit Union has two very competitive rates on its World Series Certificate Special, and the rates can be higher based on the league you pick to win the World Series. The base rates are 2.39% APY for the 18-month certificate and 2.72% APY for the 24-month certificate. For each game that your league (American or National) wins in the World Series, you'll get an extra 0.05% for a maximum of 0.20%. If you pick the winning league, the rates will be 2.93% APY for the 24-month term and 2.59%...
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High-Yield Reward Checking Account at a Washington State CU (Numerica)

Update 1/3/11: The top rate has fallen to 3.19% APY.

Numerica Credit Union is offering a reward checking account that pays 3.19% APY on balances up to $25,000 (0.15% for above) and refunds ATM fees (up to $25) if the following monthly requirements are met:

  • 12 debit card purchases
  • one automatic deposit or payment of $100
  • utilize home banking and eStatements

If these are not met, the rate falls to 0.10%. The minimum initial deposit is $25. There are no minimum balance requirements or monthly fees.

According to the membership application page, "Virtually anyone is eligible...

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4.16% 30-Month / 3.51% 10-Month CD at a Washington State CU (Numerica).
Update 7/12/08: The CD specials are no longer listed at the credit union's website. Please check with the credit union for the latest specials and rates.

Numerica Credit Union has two nice certificate specials: 4.16% APY 30-month CD and a 3.51% APY 10-month CD. The minimum deposit is $5,000. The 30-month CD has a maximum deposit of $50,000, and there's a bump feature that allows a one-time rate bump during the term.

This credit union also has a good deal on reward checking account that currently pays 5.01% APY (see post).

According to...

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