Numerica Checking & Savings — Six7 & Bonus Checking

Numerica checking and savings accounts range from Bonus Checking at 2.00% APY to Six7 Savings, which pays 6.00% APY on your first $700 — alongside regular share savings, money market and certificates. This is an independent member guide that explains each Numerica deposit account and how to open one on the official site; it is not the official Numerica website.

Open an account on the official Numerica site ›

The Numerica deposit lineup

Numerica deposit accounts at a glance

Numerica groups its everyday money accounts into a short, easy-to-compare lineup. Here are the main Numerica checking and savings options, from the rewards accounts down to longer-term certificates.

1. Bonus Checking — rewards checking earning as high as 2.00% APY when you meet monthly activity requirements.
2. Six7 Savings — starter savings paying 6.00% APY on the first $700 in balance.
3. Regular share savings — the membership account that establishes you as a Numerica owner.
4. Money market — tiered savings for larger balances with easier access than a certificate.
5. Certificates (share certificates) — fixed-term savings earning as high as 4.00% APY.
6. Youth & IRA savings — accounts for younger savers and tax-advantaged retirement contributions.

Current numbers change over time, so confirm every figure on the official Numerica rates page before you decide.

Bonus Checking — earn on your everyday balance

Bonus Checking is Numerica's rewards checking account. Instead of leaving a checking balance idle, qualifying members can earn as high as 2.00% APY on their balance up to a set cap. To earn the bonus rate in a given month you typically need to complete a handful of everyday activities — things like a set number of debit-card purchases, a direct deposit, and switching to electronic statements. If you miss the requirements one month, the account still works normally; you simply earn the base rate for that cycle.

Because the rewards rate is tied to activity rather than to a large minimum balance, Bonus Checking suits members who use their debit card and receive a paycheck by direct deposit. Set up your paycheck with routing number 325182690 to make qualifying automatic.

Six7 Savings — 6.00% APY on your first $700

Six7 Savings is built to reward the habit of saving rather than the size of your balance. It pays a headline 6.00% APY on the first $700 you set aside, with the standard savings rate applying to anything above that threshold. That structure makes it especially useful for a starter emergency fund: the money that matters most early on — your first few hundred dollars — earns the strongest rate.

Pairing Six7 Savings with Bonus Checking is a common approach. Your checking handles day-to-day spending while the savings account grows the cushion behind it. Both accounts sit under the same membership and share the same Numerica routing number for transfers and direct deposit.

Regular savings, money market and certificates

Your regular share savings account is the foundation of Numerica membership: opening it with a small deposit is what makes you a member-owner and unlocks every other product. Once you are a member, a money market account gives larger balances a tiered rate while keeping funds more accessible than a certificate, which suits savers who want to earn more without locking money away.

When you can commit funds for a fixed term, share certificates lock in a guaranteed return — as high as 4.00% APY at the terms Numerica currently posts. Laddering several certificates with different maturities is a simple way to keep part of your savings maturing on a regular schedule while the rest earns the fixed rate. Retirement savers can hold certificates or savings inside an IRA for tax advantages.

How to open a Numerica account

Opening a Numerica checking or savings account is straightforward, and every step happens on the official Numerica website rather than here:

First, confirm you are within Numerica's field of membership across Washington, Idaho and Oregon. Next, open a regular share savings account on the official site to establish membership — this usually takes a small opening deposit and a valid ID. Once you are a member, add Bonus Checking, Six7 Savings, a money market or a certificate from inside online banking. Finally, set up direct deposit using routing number 325182690 so your paycheck lands automatically. New members can review eligibility on the membership page, and returning members can sign in through the login guide.

Start your Numerica application on the official site ›

Numerica deposit accounts — key facts

Numerica is a member-owned credit union with roughly $4.3 billion in assets, chartered in 1937 and serving members through 23 branches across the Inland Northwest. Deposits are federally insured; you can verify that protection at ncua.gov.

Numerica checking & savings — FAQ

What APY does Six7 Savings pay?

6.00% APY on your first $700, with the standard savings rate above that. See rates for current figures.

What is Numerica Bonus Checking?

A rewards checking account earning as high as 2.00% APY when you meet the monthly qualifying activities.

How do I open an account?

Open a share savings account on the official Numerica site to join, then add checking, Six7 Savings or a certificate. See membership.

What is the routing number?

325182690 — used for direct deposit and transfers on every account. Details on the routing number page.

Are Numerica deposits insured?

Yes, by the NCUA up to applicable limits. Numerica also offers Visa cards and business banking.

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