Rates

APY = Annual Percentage Yield. Rates effective as of 10/28/2024 and are subject to change. 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 10/28/2024 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 10/28/2024 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. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust quarterly but will never exceed 18.00% APR or go below 2.99% APR.  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. APR reflects discounts up to 0.50%. Discounts individuals may qualify for are a 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. All fees/costs, except full appraisal if required, are typically paid by Numerica if the loan amount is less than $250,000. Full appraisal is required for loan amounts exceeding $250,000, manufactured homes, land greater than 20 acres, investment properties, or underwriter discretion. Investment property and bridge-purpose loans are subject to all fees/costs. Fees/costs to open HELOC generally range between $0 to $1,500. HELOCs are subject to recovery charges if closed within two years of origination. Recovery charges are the lesser of total third-party costs paid by Numerica or $500. 10-year draw period with a 15-year repayment period, variable rate throughout. Interest-only payments during the draw period, $75 minimum payment. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.

APR = Annual Percentage Rate. Available during the HELOC draw period only, the option to convert any portion of the outstanding principal balance to a fixed rate balance. APR based on credit scoring at HELOC origination and the Wall Street Journal Prime Rate in effect on the date of conversion. Subject to a $50 fee for conversions occurring 30 days after HELOC origination. 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: $391.22 a month based on a 5-year, $20,000 loan at 6.59% 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. $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: $398.28 a month based on a 5-year, $20,000 loan at 7.35% 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 rates may vary based on the Wall Street Journal Prime Rate and can adjust quarterly. 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. 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 the savings account dividend rate on the date your loan is approved, plus a 3% margin. Financing is subject to Numerica Credit Union membership and other underwriting criteria; not every applicant will qualify. Estimated monthly payment example: $145.53 a month based on a 3-year, $5,000 loan at 3.05% APR. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.