Numerica CU (WA/ID) Has 13-Month CD For New Members


Deal Summary: 13-month Share Certificate Special, 1.50% APY, $1k minimum, new members only.

Availability: Residents of Washington State and North Idaho Panhandle.

Now through June 3, 2017, Numerica Credit Union (Numerica) is offering a 13-month Share Certificate Special (1.50% APY) exclusively for new members. The minimum deposit is $1k, with no stated balance cap.

CSR stated the funds must be new money, which seemed a bit obvious to me (new member, new money). CSR explained that the new money requirement was in place so “Dad (who is already a member) can’t fund the Share Certificate Special for his ‘new member’ daughter.” Makes sense.

Note: The 13-month Share Certificate Special is not listed on Numerica’s website, but the Credit Union is promoting it through a non-targeted snail mail campaign. When I contacted Numerica, I asked if they were offering this Special and CSR confirmed that it was available to all new members.

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amount of the early withdrawal penalty is 180 days interest on the amount withdrawn.

Many thanks to DA reader, Kennewickman, for his Forum post about Numerica.

3% Bonus Saver

Numerica also has a Bonus Saver feature that can earn approximately $75, on a yearly basis.

2.05*%-$2.5kNumerica Credit UnionBonus Saver (both Deposit & No Withdrawal bonuses are met)
OTHER TIERS: 0.05% $2.5k+
1.05*%-$2.5kNumerica Credit UnionBonus Saver (either Deposit or No Withdrawal bonus is met)
OTHER TIERS: 0.05% $2.5k+
Rates as of July 5, 2022.

The Regular Savings account earns 0.10% APY on all balances, and a bonus 3.10% APY on balances up to $2.5k is possible. Here’s how it works:

Deposit bonus – Deposit at least $25 monthly for six consecutive months. After the sixth month, you’ll receive a bonus rate for the previous six months. You’ll keep earning this bonus as long as you keep making monthly deposits of at least $25.

No withdrawal bonus – Let your money earn dividends without making withdrawals for six consecutive months and you’ll earn an additional bonus rate. You’ll keep earning this rate as long as you don’t make any withdrawals.


Numerica Credit Union is headquartered in Spokane Valley, Washington, and offers membership to individuals who live, work, or worship in Washington State, or live or work 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 themselves eligible to join.

Joining Numerica can be done online, or in person at any of 17 Washington branches located in Airway Heights, East Wenatchee, Entiat, Kennewick, Pasco, Richland, Spokane (6), Spokane Valley (4), Wenatchee, or three Idaho branches located in Coeur D’Alene, Hayden, and Post Falls.

As the 13-month Share Certificate Special is available only to new members, an in-person branch visit will be required.

Credit Union Overview

Numerica Credit Union has an overall health grade of "A" at, with a Texas Ratio of 2.93% (excellent) based on December 31, 2016 data. In the past year, Numerica has increased its total deposits by $171.66 million, an excellent annual growth rate of 13.24%. Please refer to our financial overview of Numerica Credit Union (NCUA Charter # 66841) for more details.

Numerica Credit Union 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. Numerica Credit Union rebrand occurred in 2000 for two reasons: 1) to better reflect its expanding membership base, and 2) to let potential members know they could join the Credit Union, even though they weren’t railroad workers. Numerica is currently the fourth largest credit union headquartered in Washington, with nearly 130,000 members and assets in excess of $1.8 billion.

How the Share Certificate Special Compares

When compared to 299 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available within the FOM, Numerica Credit Union’s 13-month Share Certificate Special APY currently shares the top spot with Connexus CU’s 12-month Certificate and Potlatch No 1 FCU’s 12-month Share Certificate.

The above rates are accurate as of 5/16/2017.

To search for the best CD rates, both nationwide and state specific, please refer to our CD rates table or our Rates Map page.

Related Pages: Yakima savings accounts, Seattle savings accounts, Spokane savings accounts, savings accounts, 1-year CD rates, bank bonuses

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...

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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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