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Helping you live well financially.

Life and money are in constant motion. As life moves, Numerica is committed to helping its members live well financially.

Better rates. Lower fees. Digital tools. No-stress services. Outstanding support. Numerica is committed to your financial well-being.

Mission and history

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Group of people standing outside commercial brick building. Woman in a grey dress holding large scissors cutting red ribbon stretched across building.

Enhancing lives, fulfilling dreams, and building communities. That’s Numerica’s core purpose. It’s not just painted on our walls; it’s the guiding force behind our actions.

Members from Spokane, North Idaho, Tri-Cities, and the Wenatchee Valley bring us their realities, hopes, and dreams. As a not-for-profit owned by its members, Numerica uses the money it makes for a couple pretty cool purposes:

  1. Providing better rates, reduced fees, and improved services
  2. Investing in community causes

Watch the Annual Meeting or review our Annual Report for recent examples of Numerica’s core purpose in action.

Numerica’s history

Credit unions are united by the philosophy of “people helping people.” That’s what happened in the late 1930s, when local railroad workers pooled modest savings in support of one another, birthing the organization known today as Numerica.

  • 1937: Workers representing the Great Northern Railway and the Spokane, Portland & Seattle Railway form the Great Northern Employees Credit Union, serving members from the Hillyard Depot in Spokane.
  • 1941: 44 workers from numerous railway companies form Railway Workers Credit Union by pooling a total of $120.
  • 1970: As consolidation sweeps the railroad industry, Great Northern and Railway Workers merge to form Spokane Railway Credit Union (SRCU).
  • 1982: SRCU amends its field of membership to include employees of shippers — by rail or by truck — and their family members.
  • 1990s: SRCU adopts a community charter. It expands over time to offer membership to anyone who lives, works, or worships in the state of Washington and North Idaho.
  • 1995: Numerica opens a branch in Coeur d’Alene, its first in Idaho.
  • 2000: To reflect its expanded membership base, SRCU changes its name to Numerica Credit Union.
  • 2003: Numerica begins serving the Wenatchee Valley community through a merger with North Central Credit Union.
  • 2004: Numerica enters the Tri-Cities market by building a branch in Kennewick. Numerica has since opened branches in Pasco and Richland.
  • 2011: CEO Dennis Cutter retires after 40 years leading the credit union. Numerica surprises him by naming its Sprague Avenue headquarters location after him.

Today's Rates

August 18, 2022

Home Equity Line of Credit

as low as 5.75% APR

Certificates

as high as 0.90% APY

Visa Rates

as low as 10.24% APR

Auto/Truck (New/Used)

as low as 3.99% APR

Bonus Checking

0.90% APY