Featured Savings Rates
Featured Accounts

Spokane Teachers Credit Union

Popular Accounts at this Credit Union

1.76%3-year CD30 Month President's Premium Certificate
5.09%SavingsFirst5 Savings
1.11%2-year CD24-36 Month Certificate

Overview / Commentary
1620 N Signal Dr
Liberty Lake, WA 99019

Spokane Teachers Credit Union is headquartered in Liberty Lake and is the 3rd largest credit union in the state of Washington. It is also the 85th largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 612 employees and 167,557 members at 22 locations. Spokane Teachers Credit Union's savings rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Spokane Teachers Credit Union is open to those who live, work, attend school, or worship in the state of Washington or in Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, or Shoshone Counties in Idaho.
See current membership details

Related Posts

Spokane Teachers CU (WA/ID) Ups Rate On 24-36 Month Certificate - 10/21/2016

Spokane Teachers CU (WA/ID) has raised the rate on its 24-36 month CD (1.51% APY). Minimum deposit is $2k. Additional deposits allowed through the life of the CD.

$100 Bonus For Direct Deposit In WA State - 10/19/2016

STCU is offering members $100 for starting direct deposit in October Details To qualify for the $100 bonus, please sign up for STCU direct deposit October 1-31, 2016. There's no minimum checking account balance required to earn your $100 bonus. The bonus will be deposited to your account after your direct deposit of $250 or more has posted for two consecutive months. link STCU: Direct deposit

View all posts from:

Reviews (5)

10 Years With Stcu, And They'Ve Treated Me Right.

Posted by: Dalton1 | Apr 5, 2016

I've had an account with STCU since I was 16. I've always felt welcomed in their numerous branch offices around Spokane. They've made managing my money a lot less scary than it might be with a larger and less personal bank.

I especially remember one winter where my holiday shopping ended up draining my checking account, and I had four overdraft fees because of my purchases. When I explained the problem to an STCU rep, they were able to forgive the overdrafts without any issues. Also they were very helpful when I lost my debit card. Their online banking is also very well set up, transfers are fast, and their budgeting page is very helpful for keeping an eye on income and spending.

My only complaint would probably be that their branches are not open on weekends, which can make it somewhat difficult to make deposits from time to time.

But overall, I'm glad that STCU is my bank.

STCU Has Done A Good Job For Me.

Posted by: pearlbrown | Dec 2, 2014

I have been doing business with this credit union for over 5 years and have been pleased with them. They have been easy to work with, and have continued to maintain a very strong (currently A+) health rating on DA. Among their CD offerings, they have some with the capability to add funds after initial opening. The add-on CDs can be helpful in a time of uncertain rates. Currently a 5 year CD with add-on capability pays 2.02%APY, min $2K deposit), although the amount which can be added in any month is capped at $5K.

At one time, the credit union had an online membership application which allowed eligibility for membership through an association (see details here) and perhaps they will keep that avenue open in the new version of the membership app.

STCU helps with student loans

When I was in the agonizing steps of paying my student loans I suddenly found myself short on funds and incapable of making payments. I subsequently changed my student loan payment plan but not before an additional, and unauthorized, transaction went through on my Spokane Teachers Credit Union account from my student loans. Despite my frustration STCU was able to talk me down, and guide me through the steps of getting my money back. The process took maybe a week, and roughly an hour of my time on the phone and with the scanner, but STCU got me my money back and made it as painless as humanly possible. I will always be grateful for their assistance with that matter, and I continue to be impressed with their service. I highly recommend this bank to anyone who is currently frustrated with their own.


Posted by: heyomt | Dec 29, 2014

The branch in Cheney is very convenient. I use these guys with my Global account, since the nearest Global branch is all the way in downtown Spokane. Because of this, I can't really speak to products or using their website. I can only talk about the in-person experience at that branch. They are friendly and helpful, and I've never seen a long line. There's always lots of room to park, too. The drive-through ATM is the most convenient way to get money out in Cheney as well. STCU is near...well everything in Cheney, since it's such a small place, so it's never out of the way to drop by. It's in the lot with Safeway and Starbucks.

Overdraft Fees

When I first started banking at STCU I thought they were great. They seemed very helpful and seemed as though they had the customers best interest. As my time banking with them went on I found different. They charge overdraft fees like no other. They have a system where if you run out of money and try to buy something with your debit card they still allow you to purchase your item and then charge you a $25 overdraft fee. They act like they are doing you a favor by allowing you to buy whatever it is you're buying. In addition if you buy gas, the gas station will cause a pending transaction of $100 and then later charge you for the amount of gas you actually bought. Well, if you only have $75 in your account and buy gas for $30 and then right after that try to purchase something they charge you an overdraft fee because that $100 is pending. When I called to ask about this the best answer I received was that I needed to check my account before purchasing items. Apparently even when you have money in your account you're not always allowed to use it. Awesome STCU. You sure are looking out for us.


Health Grade Components

NCUA #68203
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD6.49%
Annual Interest Income$47.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.59B$2.38B
LoansQ2 2017vs Q2 2016$2.26B$2.06B
DepositsQ2 2017vs Q2 2016$2.11B$1.87B
Equity CapitalQ2 2017vs Q2 2016$274.0MM$257.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$15.9MM$10.9MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$8.7MM$6.2MM
Real Estate OwnedQ2 2017vs Q2 2016$109.00K$174.00K
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Spokane Teachers Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Spokane Teachers Credit Union Savings Account Rates

5.09%*-$500First5 Savings
OTHER TIERS: 0.15% $500+
0.40%*$6k*-IRA Savings
OTHER TIERS: 0.30% Up to $6k
0.15%--Standard Savings
0.15%--Business Savings

Spokane Teachers Credit Union Money Market Rates

0.50%*$100k*-STCU Business Money Market
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k | 0.25% $10k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k
0.35%*$50k*-STCU Money Market
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k | 0.25% $10k - $50k

Spokane Teachers Credit Union Checking Account Rates

0.25%*$25k*-Business Checking Plus
OTHER TIERS: 0.15% $10k - $25k
0.25%*$25k*-Dividend Checking
OTHER TIERS: 0.15% $10k - $25k

Spokane Teachers Credit Union CD Rates

2.02%$2k-5 Year Certificate
1.76%*$2k*-48-60 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
1.76%$25k-30 Month President's Premium Certificate
1.36%$2k-18 Month Bump Rate Certificate
1.26%*$2k*-36-48 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
1.11%*$2k*-24-36 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
1.00%*$2k*-12-24 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
0.50%*$2k*-6-12 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
0.35%$98k-1-3 Month Jumbo Certificate

Spokane Teachers Credit Union IRA Rates

1.76%*$2k*-48-60 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k
1.76%$2k-5 Year IRA Certificate
1.26%*$2k*-36-48 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k
1.11%*$2k*-24-36 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k
1.00%*$2k*-12-24 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k
0.50%*$2k*-6-12 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k