Rates

APY = Annual Percentage Yield. Rates effective as of 05/07/2025 and are subject to change after account opening. Fees may reduce earnings. Earn 2.00% APY on the first $25,000 and 0.05% APY on balances $25,000.01 and above by meeting these Bonus Checking qualifiers during each monthly qualification cycle: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements). If either monthly qualifier is not met, no dividends will be paid. The minimum opening deposit required for this account is $25. Limit one Bonus Checking account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

APY = Annual Percentage Yield. Rates effective as of 05/07/2025 and are subject to change after account opening. Fees may reduce earnings. Qualifiers for Bonus Money Market accounts to earn a higher dividend are (a) opening a Bonus Checking account on the same account number, and (b) meeting the Bonus Checking qualifiers during each monthly qualification cycle. Qualifying rates are 0.20% APY on the first $49,999.99, 0.30% APY on balances $50,000 to $99,999.99, 0.35% APY on balances $100,000 to $249,999.99, and 0.40% APY on balances $250,000 and above. When Bonus Money Market qualifiers are not met (non-qualifying rate), earn 0.05% APY on the first $49,999.99, 0.10% APY on balances $50,000 to $99,999.99, 0.20% APY on balances $100,000 to $249,999.99, and 0.25% APY on balances $250,000 and above. The minimum opening deposit required for this account is $25. Limit one Bonus Money Market account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

APY = Annual Percentage Yield. Rates effective as of 05/07/2025 and are subject to change after account opening. Fees may reduce earnings.  Earn 0.05% APY on the first $9,999.99, 0.10% APY APY on balances $10,000 to $49,999.99, 0.15% APY on balances $50,000 to $99,999.99, and 0.20% APY on balances $100,000 and above. The minimum opening deposit required for this account is $25. Information contained on this website does not constitute legal or tax advice.  Individuals should consult with their financial adviser and/or attorney.

APR = Annual Percentage Rate. Rate shown applies to a purchase loan and assumes a single-family primary residence with a property value of $400,000 and a loan amount of $300,000. Scenario is based on a borrower credit score of 740 or higher, a down payment of 25% or more, and includes a 1% origination fee. Maximum conventional loan amount is $806,500. Loans with down payments of less than 20% may require mortgage insurance, which could increase the APR. Monthly payment estimates are based on a $300,000 loan amount. Payments do not include taxes or insurance; your actual payment will be higher. Rates for refinance loans may be higher. Other rates and fees may apply based on the borrower’s creditworthiness and the property’s characteristics. Other programs and financing options are available. Ask us for details about specific products, rates, and terms. Rates are subject to change without notice. Rates are subject to change at any time based on market conditions. To lock a rate, an application must be submitted and a rate lock request processed with a real estate loan officer. All loans are subject to credit approval and other underwriting criteria; not every applicant will qualify. Additional terms and conditions may apply. Ask us for details.

APR = Annual Percentage Rate. Rate shown applies to a purchase loan and assumes a single-family primary residence with a property value of $1,100,000 and a loan amount of $825,000. Scenario assumes a borrower credit score of 740 or higher, a down payment of 25% or more, and includes a 1.25% origination fee. Monthly payment estimates are based on a $825,000 loan amount. Payments do not include taxes or insurance; your actual payment will be higher. Rates for refinance loans may be higher. Other rates and fees may apply based on the borrower’s creditworthiness and the property’s characteristics. Other programs and financing options are available. Ask us for details about specific products, rates, and terms. Rates are subject to change without notice. Rates are subject to change at any time based on market conditions. To lock a rate, an application must be submitted and a rate lock request processed with a real estate loan officer. All loans are subject to credit approval and other underwriting criteria; not every applicant will qualify. Additional terms and conditions may apply. Ask us for details.

APR = Annual Percentage Rate. Rate shown applies to a 30-year fixed rate construction loan for a single-family primary residence with a property value of $400,000 and a loan amount of $300,000. Scenario assumes a borrower credit score of 680 or higher, a down payment of 25% or more, and includes a 1.50% origination fee. During the construction phase, interest-only payments are required on the amount of credit outstanding. Monthly payment estimates shown reflect the permanent financing phase of the loan and are based on a $300,000 loan amount. Payments do not include taxes or insurance; your actual payment will be higher. Other rates and fees may apply based on the borrower’s creditworthiness and the property’s characteristics. Other programs and financing options are available. Ask us for details about specific products, rates, and terms. Rates are subject to change without notice. Rates are subject to change at any time based on market conditions. To lock a rate, an application must be submitted and a rate lock request processed with a real estate loan officer. All loans are subject to credit approval and other underwriting criteria; not every applicant will qualify. Additional terms and conditions may apply. Ask us for details.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. Cash advance fee up to $2. Overdraft transfer fee is $5. Foreign transaction fee is 2% of U.S. dollar amount. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. Cash advance fee up to $2. Overdraft transfer fee is $5. $29 annual fee, which may be waived with annual net purchases of at least $10,000. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. $50 document preparation fee required. As low as 0% down payment on approved credit. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are 0.25% discount with automatic payment from Numerica checking account and/or a 0.25% discount with a Numerica Visa credit card or another Numerica loan. Estimated monthly payment example: $396.01 a month based on a 5-year, $20,000 loan at 7.10% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. Financing is subject to Numerica Credit Union membership, credit approval, and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $210.03 a month based on a 5-year, $10,000 loan at 9.49% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. APR is fixed to equal the sum of Numerica’s Certificate account dividend rate on the date your loan is approved, plus a 3% margin. Loan term up to the term of the certificate securing the loan.  Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify.  Estimated monthly payment example: $219.34 a month based on a 2-year, $5,000 loan at 5.00% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.