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STCU


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.stcu.org
509-326-1954
106 W. Nora Ave.
Spokane, WA 99205-4845

STCU is headquartered in Liberty Lake and is the 2nd largest credit union in the state of Washington. It is also the 63rd largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 922 employees and 288,963 members at 43 locations. STCU's savings rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

STCU is open to those who reside, work, attend school, or worship in the state of Washington or in the following northern Idaho counties: Bonner, Benewah, Boundary, Latah, Kootenai, Lewis, Shoshone, or Nez Perce. Anyone related by blood, marriage, or adoption to an individual who meets eligibility requirements also qualifes for membership. Employees of any of the Credit Union's Community Business Partners are eligible.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68203
Year Chartered1934
Employees922
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD4.23%
Annual Interest Income$75.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$5.92B$5.86B
LoansQ1 2025vs Q1 2024$4.95B$4.81B
DepositsQ1 2025vs Q1 2024$4.87B$4.67B
Equity CapitalQ1 2025vs Q1 2024$508.5MM$488.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$53MM$38.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$15.9MM$13.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

STCU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%*$0$500First5 Savings
OTHER TIERS: 0.25% → $500+
0.15%$0-Standard Savings
0.15%$0-Business Savings

STCU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$100k*-Member Preferred Money Market
OTHER TIERS: 1.01% → $0 - $25k | 2.02% → $25k - $50k | 2.27% → $50k - $75k | 2.53% → $75k - $100k
2.53%*$250k*-STCU Business Money Market
OTHER TIERS: 0.10% → $0 - $25k | 0.65% → $25k - $100k | 1.06% → $100k - $250k

STCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%*$0$10kRelationship Rewards Checking - Level 2
OTHER TIERS: 0.40% → $10k - $25k | 0.75% → $25k - $100k | 1.26% → $100k+
3.04%*$0$5kRelationship Rewards Checking - Level 1
OTHER TIERS: 0.40% → $5k - $25k | 0.75% → $25k - $100k | 1.26% → $100k+
0.75%$0-Business Analyzed Checking
0.20%*$0$5kDividend Checking
OTHER TIERS: 0.05% → $5k - $10k | 0.10% → $10k - $25k | 0.15% → $25k+
0.15%*$50k*-Business IOLTA Checking
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Business IRETA - WA Checking
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Business Growth Checking
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k

STCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$2k-15 Month Select Certificate
4.07%$2k-20 Month Select Certificate
3.82%$500-12-24 Month Certificate
3.82%$500-Business 12-24 Month Certificate
3.56%$25k-30 Month President's Premium Certificate
3.56%$25k-Business 30 Month President's Premium Certificate
3.30%$500-6-12 Month Certificate
3.30%$500-Business 6-12 Month Certificate
3.04%$2k-5 Year Certificate
3.04%$2k-Business 5 Year Certificate
2.78%*$2k*-36-48 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.78%*$2k*-48-60 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.78%*$2k*-Business 36-48 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.78%*$2k*-Business 48-60 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.53%*$2k*-24-36 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.53%*$2k*-Business 24-36 Month Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.27%$2k-18 Month Bump Rate Certificate
2.27%$2k-Business 18 Month Bump Rate Certificate
0.50%$98k-1-3 Month Jumbo Certificate
0.50%$98k-Business 1-3 Month Jumbo Certificate

STCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$2k-15 Month IRA select certificate
4.07%$2k-20 Month IRA select certificate
3.82%$500-12-24 Month IRA Certificate
3.56%$25k-30 Month President's Premium IRA Certificate
3.30%$500-6-12 Month IRA Certificate
3.04%$0-IRA Savings
3.04%$2k-5 Year IRA Certificate
2.78%*$2k*-36-48 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.78%*$2k*-48-60 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.53%*$2k*-24-36 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $2k
2.27%$2k-18 Month Bump Rate IRA Certificate
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