Numerica Credit Union (WA/ID) Offers Top Rate On 48-Month CD


Deal Summary: 48-59 month Share Certificate, 5.00% APY, $1k minimum deposit

Availability: Residents of Washington State and North Idaho Panhandle

For a limited time, Washington-based Numerica Credit Union (Numerica) is offering 5.00% APY on its 48-59 month Share Certificate. The minimum opening deposit is $1k, with no stated balance cap. According to CSR, there is no specified end-date for the promotional 5.00% APY, although she did hint that it would end “sooner, rather than later.”

0.70%$1k-Numerica Credit Union48 - 59 Month Share Certificate
0.70%$500-Numerica Credit Union48 - 59 Month IRA Certificate (Traditional, Roth)
Rates as of March 23, 2023.

The 48-59 Share Certificate is also available as an IRA Share Certificate (Traditional and Roth), earning the same 5.00% APY, but with a lower $500 minimum deposit requirement.

Funding and Other Particulars

All the following information was provided in a conversation with CSR.

  • Early Withdrawal Penalty – 270 days of dividends on the amount withdrawn, with partial withdrawals allowed.
  • Funding – ACH, wire, or check (if opening in-branch)
  • Maturing Funds – ACH, wire, or internal transfer to a Numerica liquid account.
  • Dividends – compounded/credited monthly and can be withdrawn without penalty.
  • Grace Period – 10 calendar days before automatic renewal.
  • Beneficiaries – unlimited, percentages available, Social Security numbers preferred but not required.
  • Credit Check – None.


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 19 Washington State branches located in Airway Heights, East Wenatchee, Kennewick (3), Pasco (2), Richland, Spokane (6), Spokane Valley (4), and Wenatchee, or three Idaho branches located in Coeur D’Alene, Hayden, and Post Falls.

CDs cannot be opened online. Existing members can open a CD in-branch or over the phone. As soon as a new membership application has been approved, a CD can be opened by phone or in-branch. Appointments are available and can be schedule online.

To become a member of Numerica, a person eligible for membership must pay a $20 membership fee.

Numerica stopped participating in the CO-OP Shared Branch network about 2 years ago, but continues to participate in the ATM network.

Credit Union Overview

Numerica Credit Union has an overall health grade of "A" at, with a Texas Ratio of 0.64% (excellent) based on June 30, 2022 data. In the past year, Numerica has increased its total deposits by $241.13 million, an excellent annual growth rate of 8.94%. 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 fifth largest credit union headquartered in Washington, with more than 171,000 members and assets in excess of $3.6 billion.

How the 48-59 Month Share Certificate Compares

When compared to similar length-of-term CDs tracked by that are available within the FOM and have minimum deposit requirements of $10k or less, no banks or credit unions have higher rates than currently offered on the Numerica Credit Union 48-59 Month Share Certificate. The following table compares the 48-59 Month Share Certificate to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 11/11/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Yakima CD rates, Seattle CD rates, Spokane CD rates, 5-year CD rates, IRA CD rates

  |     |   Comment #1
Just want to note that even non-brokered CD's are still slowly rising up to 5%. How can brokered CD's completely disappear? Doesn't make sense. Let's wait and see what happens.
  |     |   Comment #2
I am befuddled today after searching for CDs on Schwab and Fidelity. Most of the long term CDs are gone! The longest term Schwab had was for 18 month.
  |     |   Comment #3
mffarrell -- I will respond to your comment (and the previous comment) though I am "befuddled" as what this has to do with the article on Numerica Credit Union.

But there's no reason for you to be befuddled (and I think there's little reason to pay much attention to brokered CD listings when bond market is closed).

Bond market was last open on Thursday, November 10, and will reopen Monday, November 14. Check back on Monday, after the market has reopened.
  |     |   Comment #4
Check the World Economic Forum on Twitter. Enough said. Good luck.
  |     |   Comment #5
Thank you. Was happy to get this one before it went away.
  |     |   Comment #6
Wow, they lowered their 59-month CD rate from 5% down to 0.7%. None of their CD rates are good.
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