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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. 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
  • 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 home owners
  • 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 90% 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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Person kneeling on wooden deck in paint speckled jeans hammering nails into a new deck with a pile of nails next to their hand.

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
5.00%* 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 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 100 to 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
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


*Up to .50% 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.


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

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 800.621.6323 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 Numerishield Member Agreement for more details on optional Numerishield 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)

Extended Warranty Brochure

Folleto de garantía extendida

  • Factory Type Coverage. Bumper to bumper coverage for all items covered under the manufacturer’s original warranty*.
    For 2016 and newer model vehicles with odometer reading up to 100,000 miles.
  • Deluxe Coverage. Engine, automatic transmission, air conditioning, front suspension, steering, brakes, cooling, fuel delivery, and electrical systems*.
    For 2012 and newer model vehicles with odometer reading up 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 Bentley, Ferrari, Tesla, Maserati

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Toy Loan Warranty

On Road Extended Warranty

Off Road Extended 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.

Visit a Branch

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.*

A serious or fatal accident could change your family’s life in a heartbeat.

Numerica members are entitled to $3000 of no-cost TruStage® Accidental Death & Dismemberment Insurance—an exclusive benefit fully paid for by Numerica Credit Union. You can enroll in your no-cost coverage in just a few minutes. **

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.

**TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO 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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Woman sitting on a bed studying

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae® Student loans from Numerica Credit Union in partnership with Sallie Mae® could help! 

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1


  • Smart Option Student Loan® for Undergraduate Students
  • Parent Loan
  • Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.


Today's Rates

July 5, 2022

Home Equity Line of Credit

as low as 5.00% APR


as high as 0.90% APY

Visa Rates

as low as 9.49% APR

Auto/Truck (New/Used)

as low as 3.49% APR

Bonus Checking

0.90% APY