Disclosures - Complete

Account is free with eStatements. A fee of $3 will be charged for each paper statement issued. Members can avoid this fee if a member enrolls for eStatements for their accounts through Online Banking or the Mobile App. 

All loans subject to approval. Rates, terms, and conditions are subject to change. Up to 0.50% loan discount includes: (a) 0.25% discount when you set up automatic payments from a Numerica checking account, such as Bonus Checking; and (b) 0.25% relationship discount with another Numerica loan or credit card. Loan types eligible for the discount are some auto, boat/RV, HELOC, and toy loans.

All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 

APR reflects discounts up to 0.50%. Discounts individuals may qualify for are 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan.

This content has been provided for educational purposes only and is not intended to replace the advice of a tax accountant, attorney, financial adviser, or loan representative. Information contained on this website does not constitute legal or tax advice. Any examples provided are for illustration only and may not apply to your situation. Since every situation is different, we recommend consulting with a trusted professional adviser regarding your specific needs. 

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. $50 document preparation fee required. As low as 0% down payment on approved credit. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan. Estimated monthly payment example: $391.22 a month based on a 5-year, $20,000 loan at 6.59% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

Calculation of 25x is based on national average of 0.08% APY from the December 2024 update of FDIC’s National Rates and Rate Caps.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. Earn 2.00% APY on the first $25,000 and 0.05% APY on balances $25,000.01 and above by meeting these Bonus Checking qualifiers during each monthly qualification cycle: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements). If either monthly qualifier is not met, no dividends will be paid. The minimum opening deposit required for this account is $25. Limit one Bonus Checking account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. $50 document preparation fee required. As low as 0% down payment on approved credit. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan. Estimated monthly payment example: $396.01 a month based on a 5-year, $20,000 loan at 7.10% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. Qualifiers for Bonus Money Market accounts to earn a higher dividend are (a) opening a Bonus Checking account on the same account number, and (b) meeting the Bonus Checking qualifiers during each monthly qualification cycle. Qualifying rates are 0.20% APY on the first $49,999.99, 0.30% APY on balances $50,000 to $99,999.99, 0.35% APY on balances $100,000 to $249,999.99, and 0.40% APY on balances $250,000 and above. When Bonus Money Market qualifiers are not met (non-qualifying rate), earn 0.05% APY on the first $49,999.99, 0.10% APY on balances $50,000 to $99,999.99, 0.20% APY on balances $100,000 to $249,999.99, and 0.25% APY on balances $250,000 and above. The minimum opening deposit required for this account is $25. Limit one Bonus Money Market account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. Earn 2.05% APY on the first $2,500 when Bonus Saver qualifiers are met during each 6-month qualification cycle: (a) each month, deposit $25 or more to your Bonus Saver account (in aggregate), and (b) do not make any withdrawals from your Bonus Saver account. Earn 0.05% APY when both of the qualifiers are not met (non-qualifying rate) or on balances $2,500.01 and above. Earn 1.05% APY on the first $2,500 when one, but not both, of the Bonus Saver qualifiers are met. The minimum opening deposit required for this account is $25. Limit one Bonus Saver account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

Loans are subject to credit approval and other underwriting criteria; not every applicant will qualify. $50 setup fee at account opening; $35 annual maintenance fee. Other fees may apply. Certain conditions and restrictions apply. Business and commercial loan programs, terms, and conditions are subject to change without notice.

Businesses who have applied for a license with the Liquor and Cannabis Board are also eligible.

Required transparency rate and payment file

APY = Annual Percentage Yield. Rates effective as of 10/28/2024. Fees may reduce earnings. $25,000 new money balance requirement to open. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties may apply.

APR = Annual Percentage Rate. APR is fixed to equal the sum of Numerica’s Certificate account dividend rate on the date your loan is approved, plus a 3% margin. Loan term up to the term of the certificate securing the loan.  Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify.  Estimated monthly payment example: $219.34 a month based on a 2-year, $5,000 loan at 5.00% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024. Fees may reduce earnings. Early withdrawal taxes and penalties may apply. $500 minimum balance requirement to open most IRA Certificates. The APY is based on an assumption that dividends will remain in the account until maturity. Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change. Fees may reduce earnings. $1,000 minimum balance requirement to open most Certificates. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties may apply.

To be eligible for a Numerica Charitable Fund grant, the organization must:

• Be a public, 501(c)(3) nonprofit
• Support vulnerable youth and families located in Numerica’s service area (Spokane, North Idaho, Tri-Cities, and Wenatchee Valley)

Please note the Numerica Charitable Fund does not award event sponsorships or funding for:

• Individuals or personal endeavors, schools, clubs, or teams
• Trips or tours
• Labor or fraternal organizations
• Churches
• Political or partisan groups

Requests for these can be made as a community sponsorship.

See Numerica consumer credit card terms and conditions

The Credit Builder Visa has a fixed $300 limit, backed by Numerica funds. This limited time offer is available to those who complete Numerica’s credit education class, meet all other Secured Visa Platinum terms and conditions, and apply while funds are still available. The available limit cannot be increased by adding additional funds. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. Numerica reserves the right to cancel or change the promotion at any time. For more information, ask us.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. All loans subject to approval. Cash advance fee up to $2. Overdraft transfer fee is $5. Foreign transaction fee is 2% of U.S. dollar amount.

²APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. All loans subject to approval. Cash advance fee up to $2. Overdraft transfer fee is $5. $29 annual fee, which may be waived with annual net purchases of at least $10,000.

Message and data rates may apply. Airtime, roaming, data usage, and minutes of use may be billed by your mobile provider. See carrier for specific rates and terms.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. Earn 1.00% APY on the first $2,000 and 0.05% APY on balances $2,000.01 and above. The minimum opening deposit required for this account is $5. When the primary account holder turns 18, the account will be closed and the entire balance automatically transferred to a Regular Savings account, subject to the terms and conditions of that account. 

APR = Annual Percentage Rate. Available during the HELOC draw period only, the option to convert any portion of the outstanding principal balance to a fixed rate balance. APR based on credit scoring at HELOC origination and the Wall Street Journal Prime Rate in effect on the date of conversion. Subject to a $50 fee for conversions occurring 30 days after HELOC origination. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust quarterly but will never exceed 18.00% APR or go below 2.99% APR.  The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are a 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan. All fees/costs, except full appraisal if required, are typically paid by Numerica if the loan amount is less than $250,000. Full appraisal is required for loan amounts exceeding $250,000, manufactured homes, land greater than 20 acres, investment properties, or underwriter discretion. Investment property and bridge-purpose loans are subject to all fees/costs. Fees/costs to open HELOC generally range between $0 to $1,500. HELOCs are subject to recovery charges if closed within two years of origination. Recovery charges are the lesser of total third-party costs paid by Numerica or $500. 10-year draw period with a 15-year repayment period, variable rate throughout. Interest-only payments during the draw period, $75 minimum payment. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

At Numerica, we protect the information privacy of our younger members. We do not knowingly collect, maintain, or use personal information about children under age 13 from our website. If a person sends personal information to us through any online service and identifies himself or herself as being under the age of 13, we will only use that information to respond directly to that child or to notify the parents. We will not retain such information unless we obtain parental consent.

For complete information about how interest accrues on your Numerica Visa, review your credit card agreement. 

Early withdrawal taxes and penalties may apply. Consult with your tax adviser and/or attorney for complete information, including annual contribution limits and age requirements.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings.  Earn 0.05% APY on the first $9,999.99, 0.10% APY APY on balances $10,000 to $49,999.99, 0.15% APY on balances $50,000 to $99,999.99, and 0.20% APY on balances $100,000 and above. The minimum opening deposit required for this account is $25. Information contained on this website does not constitute legal or tax advice.  Individuals should consult with their financial adviser and/or attorney.

The Top 20 Program Managers - 2013 (honorable mention) & 2016 issued by Financial Planning magazine (formerly Bank Investment Consultant magazine). Recognizes the most successful banks and credit union managers in several criteria: number of advisors, team assets under management, team production, percentage growth in team AUM, and percentage growth in team production per advisor. Listing in this publication and/or award is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the financial professional by any client. No compensation was provided directly or indirectly by the recipient or in connection with obtaining or using the third-party rating or award.

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $210.03 a month based on a 5-year, $10,000 loan at 9.49% APR.

²APR = Annual Percentage Rate. APR is fixed to equal the sum of Numerica’s Certificate account dividend rate on the date your loan is approved, plus a 3% margin. Loan term up to the term of the certificate securing the loan.  Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $219.34 a month based on a 3-year, $5,000 loan at 5.00% APR.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust quarterly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. All loans subject to approval.

²APR = Annual Percentage Rate. APR is fixed to equal the sum of Numerica’s Regular Savings account dividend rate on the date your loan is approved, plus a 3% margin. Loan amounts up to $50,000.  Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $145.53 a month based on a 3-year, $5,000 loan at 3.05% APR.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. Earn 0.05% APY on the first $9,999.99, 0.10% APY on balances $10,000 to $49,999.99, 0.15% APY on balances $50,000 to $99,999.99, and 0.20% APY on balances $100,000 and above. The minimum opening deposit required for this account is $25. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust quarterly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change after account opening. Fees may reduce earnings. The minimum opening deposit required for this account is $25. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

Government loans between $100,000 and $5,000,000 can be used to start, expand, or purchase an existing business.

Typical structure with the Small Business Administration providing 40% of the total project costs, Numerica covering up to 50% of the total project costs, and the borrower contributing 10% of the project costs. This loan can't be used for working capital or inventory, consolidating or repaying debt, or refinancing (except for projects with an expansion component or that meet the temporary refinancing provisions of the Small Business Jobs Act of 2010).

Setup fees may apply.

APR = Annual Percentage Rate. APR is fixed to equal the sum of the savings account dividend rate on the date your loan is approved, plus a 3% margin. Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $145.53 a month based on a 3-year, $5,000 loan at 3.05% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $210.03 a month based on a 5-year, $10,000 loan at 9.49% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

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APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. $50 document preparation fee required. As low as 0% down payment on approved credit. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan. Estimated monthly payment example: $398.28 a month based on a 5-year, $20,000 loan at 7.35% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. Cash advance fee up to $2. Overdraft transfer fee is $5. $29 annual fee, which may be waived with annual net purchases of at least $10,000. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. Cash advance fee up to $2. Overdraft transfer fee is $5. Foreign transaction fee is 2% of U.S. dollar amount. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

(a) Open a Bonus Checking account by Dec. 31, 2024, using promo code MACQ0324.
(b) Set up a recurring deposit to your new Bonus Checking account within 30 days of account opening.

The second instance of your recurring deposit activates the bonus. A $100 deposit will be made to your Bonus Checking account the day following the second deposit. Existing Numerica members do not qualify for the $100 bonus. You must qualify for membership. Limit one $100 bonus per individual (based on Social Security Number).

Rates stated as Annual Percentage Yield (APY) and subject to change after account opening. APY is accurate as of the last dividend declaration date. Earn 2.00% APY on the first $25,000 and 0.05% APY on balances $25,000.01 and greater by meeting these Bonus Checking qualifiers during each monthly qualification cycle: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements). If either monthly qualifier is not met, no dividends will be paid. The minimum balance required to open this account is $25. Fees may reduce earnings. Limit one Bonus Checking account per person.

Monthly qualifiers for Bonus Checking must be met for ATM fees to be refunded.

Up to $500 in dividends is not guaranteed when opening a Bonus Checking account. In order to earn up to $500 in dividends, an account balance of at least $25,000 must be maintained, and monthly qualifiers must be met, for 12 consecutive monthly qualification cycles.

APY = Annual Percentage Yield.