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Lending for all your needs.

From home loans to the boat of your dreams, find the financing to live well.

Home

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Front lawn view of white picket fence to a home.

Reliable. Flexible. Simple. Find a home loan that is as unique as you are.

Fixed-Rate Home Loans

  • Steady rates for the life of the loan
  • Principal and interest payments never ever change
  • Flexible down payment options

Adjustable-Rate Mortgages

  • Lower initial payments up your purchasing power
  • Rates adjust following a fixed-rate period

First Time Home Buyer Loans

  • No money-down options available through WSHFC (Washington State Housing Finance Corporation) and USDA Rural Development Loans
  • Income restrictions apply
  • Homebuyer Education Seminars are a great place to learn more. These five-hour seminars through WSHFC cover the home buying process, first mortgage programs, down payment assistance, and other loan programs; and are accepted by all affordable housing loan programs as meeting or exceeding educational requirements. Register for an online course, or check out upcoming free seminars:

Veterans (VA) Loans

  • For qualified veterans, reservists, active duty personnel and eligible family members
  • Up to 100% financing
  • No money-down options

Federal Housing Administration (FHA) Loans

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

USDA Loans

Construction Loans

  • Combined construction and home loan in one convenient package! The loan begins as a construction loan and then rolls into a longer fixed rate home loan
  • Option for interest only payments during construction phase
  • Whether you plan to build-it-yourself or hire a builder
  • Available with fixed or adjustable rates
  • Loan up to 80% of the estimated value of the build

Lot Loans

  • Whether you're planning to build a home or using the land for recreation
  • Available for primary and second home options
  • Borrow up to 75% of the estimated lot value

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Meet the Team

Rates as low as
2.99% APR

Home Equity Line of Credit

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Man measuring cabinets.

Home Equity Line of Credit

  • A loan based on your home's equity that lets you withdraw what you need, when you need it
  • As your balance decreases, the available balance replenishes
  • SmartLine lets you transfer the balance to a fixed rate. This option is available throughout the life of the loan, however, only three SmartLines can be open at once.

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Rates as low as
3.75% APR

Home Equity

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Man measuring cabinets.

Home Equity Loans

  • Use your home's equity to fund your next vacay or remodel
  • Fixed rate for the life of the loan
  • Score the entire balance after signing

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Rates as low as
3.49% APR

Auto

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A car driving away.
  • Score an interest rate discount with a qualifying Numerica checking account, contact us for more information
  • Up to 125% financing for qualified members
  • Repayment terms to fit any budget
  • Loans are subject to credit approval

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Rates as low as
2.24% APR

Recreational

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Truck and ATV outside.
  • RVs, boats, motorcycles, ATVs, snowmobiles, dirt bikes, jet skis and other personal watercraft
  • Larger boat and RV loans available with longer terms
  • Score an interest rate discount with qualifying Numerica checking account, contact us for more information
  • Easy financing through partnership with over 100 new and used dealers
  • Repayment terms to fit any budget
  • Loans are subject to credit approval

Apply

Rates as low as
2.99% APR

Personal

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Two kids sitting on a stone wall.

We know life is constantly moving so Numerica provides a variety of financing options. Whether you are looking to pay off bills, build credit or have an unexpected expense, here are some options you may be interested in:

  • Unsecured Loan. Get the funds you need up front with a fixed payment, term and loan amount.
  • 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.
  • 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.
Apply
Spokane Arena

Numerica Signs On As Signature Sponsor Of Spokane Arena And Spokane Chiefs

Numerica Credit Union, Spokane Arena and the Spokane Chiefs announced Numerica as a Signature Sponsor of the Spokane Arena.

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Home Loan

5 Things Lenders Look at Before Giving a Loan

While credit score plays a large decision in your financing, there are several other considerations. In the financial world, these factors are referred to as the "Five C's."

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Mobile Enhancements

3 New Mobile App Features

Just when you thought Numerica's Mobile Banking App couldn't get any better, three new features are added to save you time.

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Is worrying about money making you sick?

Money leads as the top four sources of stress followed by work, family, and health respectively. Skip a Pay can help to reduce that stress.

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5 Home Buying Myths

While a lot has changed in the housing market, home buying myths continue to plague potential buyers.

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eRecycle

eRecycling Event

Turn old technology into new opportunities. All electronic items with a plug or battery will be accepted.

Read More

Today's Rates

September 28, 2016

Visa Rates

as low as 8.24% APR

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Mortgage Rates

as low as 2.99% APR

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Auto/Truck (New/Used)

as low as 2.24% APR

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Sequel Checking

1.35% APY

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Home Equity Line of Credit

as low as 3.75% APR

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