Credit union · NCUA insured
Numerica Credit Union Credit Card Rates
Numerica Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Numerica Credit Union’s credit card rates compare
Compared with banks and credit unions near Spokane, WA, where Numerica Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Numerica Credit Union
11.99%APR
- Up to
- 20.99% APR
Visa Platinum
Lowest rate
Cheney Federal Credit Union
7.25%APR
- Up to
- —
2nd-lowest rate
Responders Emergency Services Credit Union
8.90%APR
- Up to
- —
Numerica Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Numerica Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured Visa Platinum
For members looking to establish or rebuild credit. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 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.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.99% | None | Purchases. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. No annual fee. |
| Ongoing | 19.99% | None | Cash advance. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. Cash advance fee up to $2. No annual fee. |
Visa Luna
$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 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.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74%–22.74% | $29 | Purchases. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. $29 annual fee, which may be waived with annual net purchases of at least $10,000. |
| Ongoing | 20.74%–27.74% | $29 | Cash advance. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. Cash advance fee up to $2. $29 annual fee, which may be waived with annual net purchases of at least $10,000. |
Visa Platinum
All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 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.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–20.99% | None | Purchases. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. No annual fee. |
| Ongoing | 14.99%–23.99% | None | Cash advance. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. Cash advance fee up to $2. No annual fee. |
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.