Credit union · NCUA insured
Numerica Credit Union CD Rates
Numerica Credit Union’s best CD rate is 4.25% APY on a 17-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Numerica Credit Union’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Numerica Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Numerica Credit Union
4.25%APY
- Term
- 17 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $607
Certificates
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Numerica Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Numerica Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 9 terms
Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.50% | $173 |
| 12 months | 4.00% | $400 |
| 17 monthsRequires a Numerica Checking account. Limited-time offer ending October 31, 2026 | 4.25% | $607 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 9 terms
Available as Traditional or Roth IRA. Early withdrawal taxes and penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.50% | $173 |
| 12 months | 4.00% | $400 |
| 17 monthsRequires a Numerica Checking account. Limited-time offer ending October 31, 2026. Requires $1,000 minimum deposit at account opening | 4.25% | $607 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (3)
All captured Oct 22, 2026
Who can join Numerica Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, or worships in North Idaho.
- Eligibility is open to anyone who lives, works, or worships in Washington state.
Family and household
- Eligibility is open to individuals who are related to or live with someone who is eligible.
Cost to join
- There is no membership fee to join Numerica Credit Union.
Membership information collected October 4, 2026.