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Loans for all your needs.

From buying your first home to financing the boat of your dreams, we have loans to help you live well in every season of life.

Home Loans

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Two children hiding behind white picket fence in a yard. Green grass with shrubs bordering a brick house.

Reliable. Flexible. Simple. 

Whether buying for the first time or looking to build the house of your dreams, our home loan experts have the knowledge, experience, and resources to make the process as easy and efficient as possible. Talk to them today!

 

Apply Meet the Team

Fixed-Rate Home Loans

  • Steady rates for the duration of the loan = peace of mind
  • Principal and interest payments won't change over time
  • Flexible down payment options

Adjustable-Rate Mortgages

  • Lower initial payments up your purchasing power
  • Interest rates remain level for the first 5 years, adjusting annually thereafter
  • Caps on how much rates can adjust over the life of the loan

First-time Home Buyer Loans

  • No money-down options
  • Income limits apply
  • Homebuyer Education Seminar needed to be eligible*

Combo Home Loans

  • Lower down payment options with no mortgage insurance for qualified buyers
  • Down payment options as low as 5% vs. 20% for conventional loans
  • Additional financing through second mortgage**

Veteran (VA) Loans

  • Up to 100% financing
  • No money-down options
  • Available to Veterans, Reservists, Active Duty Personnel and eligible family members

FHA Loans

  • Low money-down option (as low as 3.5%)
  • Flexible for individuals with lower credit scores
  • Available with fixed or adjustable rates

Zero-Down Home Loans

  • No money-down means you only pay closing costs
  • Open to first-time home buyers and existing home owners
  • Fixed option means your interest rate doesn’t change

USDA Loans

Construction Loans

  • Combined construction and home loan in one convenient package***
  • Available with fixed rates
  • Interest-only payments during construction phase
  • Finance up to 90% of the estimated value whether building yourself or hiring a builder

Apply Meet the Team

*Covering the home-buying process, Homebuyer Education Seminars meet the educational requirements of and are accepted by Washington State Housing Finance Corporation (WSHFC) and USDA Rural Development Loans.

**Combine the second mortgage in a size to fit your needs – put 5% down, finance 15%; 10% down, finance 10%; 15% down, finance 5%. Home loan rate set to market rates at time of roll-over.

***Loan begins as a construction loan and then rolls into a longer fixed-rate home loan. Home loan rate set to market rates at time of roll-over.

All loans subject to approval

 

Rates as low as
4.210% APR

Wooden roof truss and frame. Home under construction. Sun shining through framing, blue sky with wispy clouds.
New home. Grey siding and cedar shake, white trim, stone pillars, large windows on front of house, attached garage.

Home Equity Line of Credit

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Person kneeling on wooden deck in paint speckled jeans hammering nails into a new deck with a pile of nails next to their hand.

Based on your home’s equity, you may qualify for a HELOC lets you withdraw what you need, when you need it. Home improvements, consolidate debt, take a vacation - use it for what you need.

  • Like a credit card – as you pay down the balance, the available balance replenishes
  • Speaking of credit cards - enjoy quick, easy access to your Home Equity Line of Credit with our HELOC Visa® card
  • Transfer the balance to a fixed rate and is available throughout the draw period of your loan
  • See current rates and terms

*Rate based on prime rate plus margin from .25% to 5.75%, with relationship discounts

All loans subject to approval

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Rates as low as
5.75%* APR

Home Equity Loans

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Man in grey vest and blue jeans measuring cabinets in a kitchen that is being remodeled. Dark wooden cabinets, tile backsplash.

As compared to HELOC Loans, Home Equity Loans maintain a fixed rate for the life of the loan and are typically paid out in one large, lump sum.

Learn more about the difference between HELOC vs. Home Equity Loan.

All loans subject to approval

Apply

 

Rates as low as
6.49% APR

Auto Loans

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Photo of white car overlooking an landscape of trees and mountain in the background

Finance your next car or truck with competitive Auto Loan rates to fit any budget.

You may qualify for an interest rate discount with a qualifying Numerica checking account. Discount includes .25% with autopay from a Numerica checking account and another .25% discount if you have a Numerica Visa card or other loan. Total loan discount: .50%*. Interested? Contact us for details.

  • New, used, or refinance
  • No Down Payment required for qualified members
  • Easy financing with over 100 new and used dealers
  • Flexible repayment terms
  • Subject to credit approval

Apply

*Up to .50% APR loan discount includes: .25% Autopay from Numerica checking; and a .25% discount with Numerica Visa credit card or another Numerica loan.

All loans subject to approval

Rates as low as
3.49% APR*

Recreational Loans

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4-door crew cab silver truck with a white truck bed camper and green ATV parked on gravel road. Pine trees in background.

RVs, boats, motorcycles, ATVs, snowmobiles, dirt bikes, jet skis and other personal watercrafts - whatever fun you choose, we have the right loan for you!

You may qualify for an interest rate discount with a qualifying Numerica checking account. Discount includes .25% with auto pay from a Numerica checking account and another .25% discount if you have a Numerica Visa® card or other loan. Total loan discount: .50%*. Interested? Contact us for details.

  • Easy financing with over 100 new and used dealers
  • Repayment terms to fit any budget
  • Subject to credit approval

Apply

*Up to .50% APR loan discount includes: .25% Autopay from Numerica checking; and a .25% discount with Numerica Visa credit card or another Numerica loan.

All loans subject to approval

Rates as low as
4.99% APR*

Personal Loans

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Two people sitting in cream and navy striped folding hammock chairs in the sand on the beach, viewed from the back. Ocean in the background.

Whether you are looking to consolidate bills, take that dream vacation, finance a life event, build credit or have an unexpected expense, Numerica offers a variety of financing options:

  • Unsecured Loan. Get the funds you need up front with a fixed payment, term and loan amount.
  • Cash Secured Loan. Use a savings account or Certificate of Deposit (CD) as collateral to get the cash you need with a fixed term and payment.
  • Personal Line of Credit. Borrow what you need, when you need it. As your balance decreases, the available balance replenishes and allows for future borrowing with a variable rate.

Not sure, what loan type is right for you? We’re here to help! Call 800.433.1837 or stop by your branch today.

Apply

All loans subject to approval

Asset and Debt Protection

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Man in grey jacket with black backpack holding child's hand. Child in blue jacket with red baseball cap. View from behind, on cement trail, grass and shrubs, pines and mountains in the background.

Debt cancellation protection, extended warranty protection, and life insurance protect you during life’s twists and turns.

Debt Protection

In your time of need, our claims process is quick and easy. If you elected credit life, disability, or involuntary unemployment on your loan, you can use this convenient claims process to quickly file your insurance claim. You can also call 844.707.4964 and a CUNA Mutual Group Claims Specialist will guide you through the process.

File a Claim

*CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union.

Protect your loan payment

Loan debt cancellation coverage can help relieve the burden of monthly loan payments if you are unable to make your payments. Eligible loans include credit cards, autos, motorcycles, ATVs, boats, RVs, and personal lines of credit.

  • Life Plus
  • Life Plus and Disability
  • Life Plus, Disability and Involuntary Unemployment

*Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Numershield Member Agreement for more details on optional Numershield product.

Protect your loan balance (GAP)

Cover the "gap" that occurs between the amount your insurance company pays and the amount you owe should your vehicle (auto, boat, RV, or toy) be stolen or totaled. This loan coverage can be used for new or used vehicles.

Extended Warranty Protection

Take standard to stellar. Extended Warranty Protection for your auto, ATV, motorcycle, golf cart, etc. picks up where the manufacturer’s warranty ends. Eligible for loans already with Numerica, loans with another financial institution, or loans that have been paid off in full.

Auto Loan Warranty - Major Mechanical Protection (MMP)

  • Factory Type Coverage. Bumper to bumper coverage for all items covered under the manufacturer’s original warranty*.
    For 2011 and newer model vehicles with odometer reading of 0 to 85,000 miles.
  • Deluxe Coverage. Engine, automatic transmission, air conditioning, front suspension, steering, brakes, cooling, fuel delivery, and electrical systems*.
    For 2007 and newer model vehicles with odometer reading 0 to 140,000 miles.
  • Drivetrain Coverage. Engine, transmission (automatic and standard), drive axle assembly, seals, and gaskets*.
    No year, model, mileage limit.

* Full list of coverage available in branch. Cost of package is determined by specific collateral. Excluded vehicles include Audi, Corvette, Land Rover, Saab, Jaguar, Porsche, Hummer H1, all exotics/limited production vehicles, Mercedes (except C&E Class), Any Mercedes AMG service, BMW Series 6,7,8, X, Z & M

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Toy Loan Warranty

  • Minor emergencies* including towing, flat tire assistance, fluid delivery, minor adjustments and rental car allowance
  • Protection on repairs to prolong the life of your motorcycle or ATV
  • Engine parts, transmission (automatic and manual), drive axle, brakes, cooling, electrical, fuel system, fluids, steering, suspension, touring equipment, seals, and gaskets

To find out more about Extended Warranty Protection options, come see us at your favorite Numerica branch or give us a call at 800.433.1837. 

* Service and towing are not available in off-road areas.

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Life Insurance Protection (TruStage)

As a credit union member, you are eligible for whole life and term life insurance through TruStage Life Insurance, underwritten by CMFC Life Insurance Company.

Here’s the Legal stuff: Non-Deposit Investment Products are not federally insured, are not obligations of the credit union, are not guaranteed by the credit union or any affiliated entity, involve investment risks and may lose value, including the possible loss of principal, and may be offered by an employee who serves both functions of accepting members’ deposits and the selling of non-deposit investment products.

Student Loans

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Girl with short hair wearing black glasses, orange sweater and blue jeans, sitting on a bed looking at laptop, holding book.

Whether an undergraduate, graduate, or parent of one, our partners at Sallie Mae have school loans to fit your needs.

  • Undergraduate – for Bachelor’s and Associate’s degrees or certificates
  • Parent – Finance your student’s education
  • Graduate – MBA, Master’s or Doctoral degrees
  • Medical, Dental, Bar Study, Medical Residency, Dental Residency, and more
  • Competitive interest rates
  • Multiple repayment options

Apply

All loans subject to approval 

Today's Rates

July 20, 2019

Home Equity Line of Credit

as low as 5.75% APR

Certificates

as high as 2.55% APY

Visa Rates

as low as 10.24% APR

Mortgage Rates

as low as 3.867% APR

Auto/Truck (New/Used)

as low as 3.49% APR

Bonus Checking

2.00% APY

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