Numerica Rates — Savings, Certificates & Loan APR

Numerica rates cover the deposit APYs and loan APRs published by Numerica Credit Union — the Six7 Savings yield, Bonus Checking, share certificates and the HELOC line. This is an independent member guide, not the official site; the figures below are shown as reference points as of August 2026 and should always be confirmed on the official Numerica rates page before you open an account or apply for a loan.

Numerica rates by product

Numerica rates at a glance

1. Six7 Savings — 6.00% APY on the first $700, one of the higher starter-savings yields in the region.
2. Bonus Checking — up to 2.00% APY when monthly qualifying activity is met.
3. Share certificates (CDs) — as high as 4.00% APY depending on the term you choose.
4. HELOC — home equity line as low as 7.00% APR, variable with the market.
5. Home & mortgage loans — fixed and adjustable options priced on the official site; see the Numerica home loans guide.
6. Auto & personal loans — installment APRs set by term, amount and credit profile.
7. Visa credit cards — everyday and rewards cards with their own purchase APR.

APY vs APR — which number matters

The two headline abbreviations describe opposite sides of your money, and mixing them up is the most common mistake members make when comparing offers. APY is the yield on money you deposit — savings, checking and certificates — and it already accounts for compounding, so a higher APY means more interest earned. APR is the cost of money you borrow — a HELOC, mortgage, auto loan or credit card — so a lower APR means a cheaper loan. Numerica quotes its Six7 Savings, Bonus Checking and certificates in APY, and its HELOC, home loans and installment loans in APR.

Because the two are not comparable, always line up like with like: compare a certificate APY against another certificate APY, and a HELOC APR against another HELOC APR. When you are ready to act on a specific product, open the home loans page for borrowing details or head straight to the official site to confirm the live figure.

Certificate terms and how they work

A share certificate is Numerica's version of a CD: you lock a deposit for a fixed term in exchange for a fixed APY that is typically higher than a regular savings account. The posted 4.00% APY represents the top of the range as of August 2026; the yield you actually receive depends on the term length you select and, on some specials, the deposit amount. Longer terms usually pay more, but they also keep your money committed for longer, and withdrawing early generally triggers a dividend penalty.

Before choosing a term, weigh how soon you may need the cash. A short certificate keeps you flexible; a longer one locks in today's yield if you expect rates to fall. Members who want to keep funds fully liquid may prefer the Six7 Savings or Bonus Checking instead — see the checking and savings overview for how those accounts compare, and the membership page if you still need to join.

Why rates change and how to verify them

Deposit APYs and loan APRs are not fixed forever. They move with the broader interest-rate environment, competitive pressure and each product's own rules, which is exactly why an independent guide cannot promise a live number. What this page can do is give you an accurate reference point and a safe route to the source. Numerica is federally insured, and you can confirm that protection at the National Credit Union Administration, a U.S. government agency that insures member deposits up to applicable limits.

Numerica reports roughly $4.3 billion in assets and serves members through 23 branches across Washington, Idaho and Oregon, so it posts a full rate sheet across dozens of products. To confirm any figure, use the official channel: view current rates on the official Numerica site › You can also reach member service at 1-800-433-1837 through the contact page.

Numerica rate facts

Numerica rates — FAQ

What is the Numerica Six7 Savings rate?

6.00% APY on the first $700; balances above $700 earn the standard savings rate. Verify the current figure on the official Numerica site.

What are current Numerica CD (certificate) rates?

Share certificates are posted as high as 4.00% APY as of August 2026, depending on term. Confirm the term you want on the official site.

What is the Numerica HELOC rate?

A home equity line as low as 7.00% APR, variable with credit and loan-to-value. More on the home loans page.

How often do Numerica rates change?

They can change at any time and often track the broader rate environment. Treat any rate here as a reference and verify the live number on the official site.

What is the difference between APY and APR?

APY is what you earn on deposits (higher is better); APR is what you pay to borrow (lower is better). Numerica quotes savings in APY and loans in APR.

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