Credit union · NCUA insured
Numerica Credit Union Savings Rates
Numerica Credit Union’s best savings rate is 0.10% APY on $10,000, with its Peak Money Market. Rates checked October 22, 2026.
How Numerica Credit Union’s savings 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
0.20%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $20
Bonus Money Market
Top rate
Progressions Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Numerica Credit Union savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Six7 Savings
0.05%APY
Limit one Six7 savings account per person. Monthly fee charged for paper statements (one fee per membership number), which can be avoided by enrolling in eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $700Earn 6.00% APY on the first $700 deposited in the account. | 6.00% | — | Earn 6.00% APY on the first $700 deposited in the account. |
| Over $700Base APY on balances above $700. | 0.05% | $5 | Base APY on balances above $700. |
Sources (4)
- numericacu.com/six7
- membership.numericacu.com/products
- numericacu.com/personal/savings
- numericacu.com/rates
All captured Oct 22, 2026
Bonus Saver
0.05%APY
Limit one Bonus Saver account per person. Base APY of 0.05% on entire balance. Additional APY earned up to $2,500 after meeting qualifiers during 6-month qualification cycles: deposit $25+ per month and/or make no withdrawals. A monthly fee is charged for paper statements, waived by enrolling in eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Two qualifiers met during 6-month qualification cycle: (a) deposit $25 or more each month in aggregate, and (b) make no withdrawals. | 2.05% | — | Two qualifiers met during 6-month qualification cycle: (a) deposit $25 or more each month in aggregate, and (b) make no withdrawals. |
| Up to $2,500One qualifier met during 6-month qualification cycle: either deposit $25 or more each month in aggregate OR make no withdrawals. | 1.05% | — | One qualifier met during 6-month qualification cycle: either deposit $25 or more each month in aggregate OR make no withdrawals. |
| Over $2,500Base non-qualifying rate or portion of balance above $2,500. | 0.05% | $5 | Base non-qualifying rate or portion of balance above $2,500. |
Bonus Money Market
Up to 0.20%APY
Limit one Bonus Money Market account per person. Minimum opening deposit $25. A monthly fee is charged for paper statements (avoidable by enrolling in eStatements).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. | 0.20% | $20 | Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. |
| Up to $50,000Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. | 0.05% | $5 | Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. |
| $50,000 – $100,000Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. | 0.30% | — | Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. |
| $50,000 – $100,000Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. | 0.10% | — | Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. |
| $100,000 – $250,000Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. | 0.35% | — | Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. |
| $100,000 – $250,000Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. | 0.20% | — | Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. |
| $250,000 and upQualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. | 0.40% | — | Qualifying rate: requires opening a Bonus Checking account on the same account number and meeting the Bonus Checking qualifiers during each monthly qualification cycle. Paper statement fee applies unless enrolled in eStatements. |
| $250,000 and upNon-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. | 0.25% | — | Non-qualifying rate: applied when Bonus Money Market qualifiers are not met. Paper statement fee applies unless enrolled in eStatements. |
Peak Money Market
0.10%APY
Minimum opening deposit $25. Minimum balance $0. Monthly service fees None. A monthly fee is charged for paper statements (avoidable by enrolling in eStatements).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Paper statement fee applies unless enrolled in eStatements. | 0.05% | — | Paper statement fee applies unless enrolled in eStatements. |
| $5,000 – $10,000Paper statement fee applies unless enrolled in eStatements. | 0.05% | — | Paper statement fee applies unless enrolled in eStatements. |
| $10,000 – $25,000Paper statement fee applies unless enrolled in eStatements. | 0.10% | $10 | Paper statement fee applies unless enrolled in eStatements. |
| $25,000 – $50,000Paper statement fee applies unless enrolled in eStatements. | 0.10% | — | Paper statement fee applies unless enrolled in eStatements. |
| $50,000 – $75,000Paper statement fee applies unless enrolled in eStatements. | 0.15% | — | Paper statement fee applies unless enrolled in eStatements. |
| $75,000 – $100,000Paper statement fee applies unless enrolled in eStatements. | 0.15% | — | Paper statement fee applies unless enrolled in eStatements. |
| $100,000 and upPaper statement fee applies unless enrolled in eStatements. | 0.20% | — | Paper statement fee applies unless enrolled in eStatements. |
Regular Savings
0.05%APY
A monthly fee will be charged for paper statements (one fee per membership number), which can be avoided by enrolling in eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn 0.05% APY on entire balance.Any balance | 0.05% | $5 | Earn 0.05% APY on entire balance. |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
Growth Savings
0.05%APY
Designed for youth members ages 0-17. Joint ownership with parents/guardians. When primary account holder turns 18, the account is closed and entire balance is automatically transferred to Regular Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Earn 1.00% APY on first $2,000. | 1.00% | — | Earn 1.00% APY on first $2,000. |
| Over $2,000Earn 0.05% APY on balances above $2,000. | 0.05% | $5 | Earn 0.05% APY on balances above $2,000. |
Sources (3)
All captured Oct 22, 2026
IRA Savings
0.10%APY
Available as Traditional or Roth IRA. Contributions subject to IRS limits. Early withdrawal penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.15% | — |
| $75,000 – $100,000 | 0.15% | — |
| $100,000 and up | 0.20% | — |
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.