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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.

Want to pay from another financial institution, but don’t want to use online banking? This web portal allows you to make a quick, secure online payment from another financial institution toward your Numerica loan. If you opt to use our convenient online card or funds transfer processing service when making a loan payment, a service fee may apply.

Home Loans

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Two children hiding behind white picket fence in a yard

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
  • Check rates

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
  • Check rates

First-time Home Buyer Loans

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

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**
  • Check rates

Veteran (VA) Loans

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

FHA Loans

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

Zero-Down Home Loans

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

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 80% of the estimated value whether building yourself or hiring a builder
  • Check rates

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

Home Equity Line of Credit

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You may qualify for a Home Equity Line of Credit (HELOC) that lets you withdraw the funds you need, when you need them.

  • Fixed-rate flexibility: Transfer all or part of your balance to a fixed-rate loan.**
  • Works like a credit card: As you pay down the balance, the available balance replenishes.
  • Quick and easy access: Tap into your funds with Online Banking, the Mobile App, or our HELOC Visa.
  • Uses abound: From tackling debt to tackling a remodel, from dream vacations to new toys, a HELOC may be the answer.

Interested in learning more?

Read up on HELOCs or check out our current rates and terms.

*Rate based on prime rate plus margin from 0.25% to 5.75%, with relationship discounts. Prime assessed quarterly.

**During the draw period of the HELOC (the first 10 years), fixed-rate options are available up to 15 years. After the draw period, there is a 15-year repayment period. During this time, the loan can be converted to a fixed rate so long as the term does not extend beyond the original maturity date of the loan.

All loans subject to approval.


Rates as low as
8.75%* APR

Auto Loans

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White car driving down rural road

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 auto pay from a Numerica checking account and another .25% discount if you have a Numerica Visa card or other Numerica loan*. Interested? Contact us for details.

  • New, used, or refinance
  • No Down Payment required for qualified members
  • Easy financing with over 200 new and used dealers
  • Flexible repayment terms
  • Subject to credit approval

*Up to .50% loan discount includes: .25% automatic pay from Numerica checking; .25% discount with Numerica Visa credit card or another Numerica loan. All loans subject to approval.



Rates as low as
5.99% APR*

Recreational Loans

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Truck with camper, ATV

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


*Up to .50% loan discount includes: .25% automatic pay from Numerica checking; .25% discount with Numerica Visa credit card or another Numerica loan. All loans subject to approval.

Rates as low as
6.99% APR*

Personal Loans

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Two people sitting on a beach

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 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.


*All loans subject to approval. Terms and conditions are subject to change.

Protection products

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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.

From a stolen car to a lost job, Numerica offers products* to help you live well when life happens.

  • GAP protection
  • Extended warranties
  • Payment protection
  • Insurance

*Here’s the legal stuff: Your purchase of protection products is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

Guaranteed Asset Protection (GAP)

Protect your loan balance if your vehicle is stolen or totaled. GAP protection covers the “gap” that occurs between the amount your insurance company pays and the amount you owe on the loan. New or used autos, boats, RVs, and toys qualify.

What’s more, your coverage helps you get back on your feet if your vehicle is deemed a total loss. With GAP Advantage, receive a $1,000 principal payment on your next vehicle loan if you finance with Numerica.*

*Here’s the legal stuff: All loans subject to approval.

Extended Warranty Protection

Whether you financed your vehicle through Numerica or not, transform your standard protection into stellar protection. The brochures linked below have more info about extended warranties available for your:

Extended warranties may cover your mechanical or electrical repairs in order to prolong the life of your vehicle. All extended warranties come with roadside assistance*, which includes towing, flat tire assistance, fluid delivery, minor adjustments, and rental car allowance.

*Here's the legal stuff: Service and towing are not available in off-road areas.


During a financially stressful life event, you don’t want to worry about payments on your Numerica loan. That’s where Numerishield protection comes in.

  • Simple to add to your loan
  • Comforting, to help put you at ease
  • Flexible, cancel at any time

File a Numerishield claim

If you have Numerishield on your loan, our partners at TruStage can help you file a claim quickly and conveniently. Call 800.621.6323 or use the button below.

File a claim


Insurance Protection

  • Life insurance: Numerica members are eligible to apply for whole life and term life insurance through TruStage Life Insurance, underwritten by CMFC Life Insurance Company.*
  • Auto insurance: TruStage offers vehicle coverage in partnership with Liberty Mutual**, and Numerica members may qualify for discounts***.
  • Home and renters insurance: TruStage coverage is underwritten by Liberty Mutual**.

In addition, Numerica members who live in Washington state may receive $3,000 of no-cost TruStage Accidental Death and Dismemberment Insurance**** ($1,500 for age 70 and older). It’s an exclusive benefit fully paid for by Numerica. Claim your coverage today.

*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.

**Auto and home insurance products are issued by Liberty Mutual Insurance Company, 175 Berkeley St., Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

***Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution.

****TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency LLC and issued by CMFG Life Insurance Company, P.O. Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit and is not federally insured, sold, or guaranteed by your credit union.

Student Loans

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Wherever you are in your higher education, get the money you need for school. Student loans from Numerica in partnership with Sallie Mae® could help!

Sallie Mae® student loans are designed for the needs of all types of students.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty*

Find out which loan is right for you.

Advice before you borrow

Debating whether a student loan is your next step? Our partners at GreenPath can help. Receive free, expert advice personalized to your situation.

Today's Rates

July 23, 2024