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iAdvertiser Disclosure
Advertiser Disclosure
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 Numerica Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Numerica Credit Union's 17 Month CD rates are at 4.25%, 12 Month CD rates are at 4.00%, 18 Month CD rates are at 4.00%, 24 Month CD rates are at 4.00%, 36 Month CD rates are at 4.00%. Numerica Credit Union's savings rates are at 6.00%. Numerica Credit Union's money market rates are at 0.40%. Numerica Credit Union's checking rates are as high as 2.00%. Numerica Credit Union's Home Loan - 15-year Fixed rates are at 6.62%, Home Loan - 20-year Fixed rates are at 6.75%, Home Loan - 30-year Fixed rates are at 7.12%, Home Loan - 30-year Fixed - Construction rates are at 7.12%, Home Loan - 30-year Fixed - Jumbo rates are at 7.88%. Numerica Credit Union's Personal Loan Rates are as low as 10.99%. Numerica Credit Union's Credit Card Rates are at 11.99%. Numerica Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Numerica Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.22%. Rates last updated and verified on 10/29/2026. Numerica Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Numerica Credit Union? Share your experience about Numerica Credit Union by leaving a review below, or read customer reviews before you decide to use Numerica Credit Union. Numerica Credit Union
Headquarters 14610 E Sprague Ave
https://www.numericacu.com Spokane Valley, WA 99216  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Numerica Credit Union CD Rates
Numerica Credit Union Savings Rates
Numerica Credit Union Money Market Rates
Numerica Credit Union Checking Rates
Numerica Credit Union Mortgage Rates
Numerica Credit Union Home Equity & HELOC
Numerica Credit Union Auto Loan Rates
Numerica Credit Union RV, Boat and Powersport Loan Rates
Numerica Credit Union Credit Card Rates
Numerica Credit Union Personal Loan Rates
Numerica Credit Union Other Rates
Financial Health HistoryNumerica Credit Union’s Texas Ratio rose from 0.94% in Q3 2023 to 2.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Numerica Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Numerica Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Numerica Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Numerica Credit Union
Website
https://www.numericacu.com
Address
14610 E Sprague Ave,
Spokane Valley, WA 99216
Phone
509-535-7613
Fax
President
Wesley Mortensen
CEO
Carla Cicero
Full-Time Employees
631
Part-Time Employees
13
Branch Locations
23
ATM Locations
23
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.22%
Return on Assets (ROA)
0.4999%
Return on Equity (ROE)
4.1547%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
4,321,682,065
Total Amount of Shares and Deposits
3,674,448,809
Total Shares and Deposits < 1 Year
3,182,956,003
Total Shares and Deposits 1 3 Years
476,799,733
Total Shares and Deposits > 3 Years
14,693,072
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
617,477,850
Total Uninsured Shares and Deposits > $250K (F+J)
617,477,850
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,056,970,959
Total Interest Expense (Sum of items 6 8)
46,054,441
Share Certificates
21,948
Number of Accounts for Share Drafts
148,311
IRA KEOGH Accounts
4,794
Number of Accounts for Regular Shares
123,877
Non Member Deposits
2,203
Money Market Shares
13,653
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
349,711,984
Total Liabilities
3,885,430,593
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Numerica Credit UnionDoes Numerica Credit Union offer CDs?Yes. Numerica Credit Union current CD rates include its 17 Month CD at 4.25% APY, its 12 Month CD at 4.00% APY and its 18 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Numerica Credit Union NCUA insured?Yes. Numerica Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Numerica Credit Union?The highest Numerica Credit Union CD rate is its 17 Month CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Numerica Credit Union offer?Numerica Credit Union CD rates are 4.00% APY for a 12 month CD, 4.25% APY for a 17 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Numerica Credit Union for its full lineup. What is the highest savings rate at Numerica Credit Union?The highest Numerica Credit Union savings rate is its Growth Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Numerica Credit Union?The highest Numerica Credit Union money market rate is its Bonus Money Market at 0.40% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Numerica Credit Union?The highest Numerica Credit Union checking rate is its Bonus Checking at 2.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Numerica Credit Union?The lowest Numerica Credit Union 30 year fixed mortgage rate is its Home Loan - 30-year Fixed at 7.125%, verified by MonitorBankRates as of October 29, 2026. Numerica Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.625% for a 15 year mortgage. What is the lowest auto loan rate at Numerica Credit Union?The lowest Numerica Credit Union auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Numerica Credit Union?The lowest Numerica Credit Union personal loan rate is its Personal Loans at 10.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Numerica Credit Union?The lowest Numerica Credit Union credit card APR is its Visa Platinum (purchases) Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Numerica Credit Union operate?Numerica Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Numerica Credit Union?Yes, to access services at Numerica Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Numerica Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Numerica Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Numerica Credit Union offer online and mobile banking?Most modern institutions like Numerica Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.numericacu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Numerica Credit Union rates compare?Numerica Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. Numerica Credit Union's top rates are its 17 Month CD at 4.25% APY, its Six7 Savings at 6.00% APY, its Bonus Money Market at 0.40% APY, its Bonus Checking at 2.00% APY, its Home Loan - 15-year Fixed at 6.625%, its Personal Loans at 10.99% APR and its Visa Platinum (purchases) Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026. Current Numerica Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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