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Lending for all your needs.

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


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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. Find a home loan that is as unique as you are.


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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 contact us to find out about upcoming free seminars.

Combo Home Loan

  • A solution for homebuyers who don't have a 20% down payment for a conventional home loan but can afford 5% down
  • Receive additional financing through a second mortgage that can be combined in different sizes (small, medium or large) to fit your needs. Put 5% down finance 15%; 10% down finance 10%; 15% down 5% second mortgage finance
  • More flexibility to pay down the loan principal and avoid paying mortgage insurance

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

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! 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 rates
  • Loan up to 90% of the estimated value of the build

*Home loan rate set to market rates at time of roll-over. 

All loans subject to approval

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Rates as low as
4.590 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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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.
  • Enjoy quick, easy access to your HELOC funds when you enroll in our HELOC Visa® card!

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

All loans subject to approval


Rates as low as
5.75% APR

Home Equity

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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

All loans subject to approval



Rates as low as
6.49% APR


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  • 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

*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
3.74% APR*


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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 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

*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*


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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.

We know life moves and are here to help you find the loan that fits your needs best. Numerica provides a variety of financing options. Whether you are looking to pay off bills, take that dream vacation, finance a life event, 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.
  • 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 which loan is right for you? We are here to help! Call or stop by your favorite branch today.

All loans subject to approval


Asset and Debt Protection

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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) should it 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.

Today's Rates

May 23, 2019

Home Equity Line of Credit

as low as 5.75% APR


as high as 3.05% APY

Visa Rates

as low as 10.24% APR

Mortgage Rates

as low as 4.120% APR

Auto/Truck (New/Used)

as low as 3.74% APR

Bonus Checking

2.00% APY

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