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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 95th largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 506 employees and 124,346 members. Spokane Teachers Credit Union's savings rates are 10X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

If you live, work, worship, or go to school in the state of Washington or in Bonner or Kootenai counties in Idaho, you are eligible to join STCU. - See Details

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Top 30-Month CD Rate at STCU in WA and Parts of ID - 11/19/2013

It’s hard to beat PenFed’s CD deal , but Spokane Teachers Credit Union (STCU) has come out with a CD that’s even better. The rate is the same, but the term is a little shorter. STCU’s CD is called the ...

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Spokane Teachers Credit Union had $4.49 million in non-current loans and owned real-estate with $214.4 million in equity and loan loss allowances on hand to cover it. This gives Spokane Teachers Credit Union a Texas Ratio of 2.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Spokane Teachers Credit Union decreased slightly from 2.35% as of March 31, 2013 to 2.10% as of March 31, 2014, resulting in a positive change of 10.94%.This indicates that the balance sheet and financial strength for Spokane Teachers Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Spokane Teachers Credit Union has increased its total deposits by $108.58 million, resulting in 7.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Spokane Teachers Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Spokane Teachers Credit Union has $1.9 billion in assets with $214.4 million in equity, resulting in a capitalization level of 11.27%, which is excellent.

Institution Statistics

NCUA #68203
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$1.90 billion
Loans$1.55 billion
Deposits$1.56 billion
Equity Capital$203.87 million
Loan Loss Allowance$10.54 million
Unbacked Noncurrent Loans$3.65 million
Real Estate Owned$846,000
Historic Data - March 2013
Assets$1.76 billion
Equity Capital$189.80 million
Loan Loss Allowance$10.42 million
Unbacked Noncurrent Loans$3.65 million
Real Estate Owned$1.32 million
Profit Margin - Quarterly
Return on Assets1.01%
Return on Equity9.46%
Interest Income$18.50 million

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Spokane Teachers Credit Union Savings Account Rates

5.09%-$500First5 Savings
0.55%--Christmas Savings
0.50%$6k-IRA Savings
0.50%$6k-Roth IRA Savings
0.50%$6k-SEP IRA Savings
0.15%--Standard Savings
0.15%--Business Savings

Spokane Teachers Credit Union Money Market Rates

0.35%$50k-STCU Money Market
0.35%$50k-STCU Business Money Market

Spokane Teachers Credit Union Checking Account Rates

0.25%$25k-Business Plus Checking
0.25%$25k-Dividend Checking

Spokane Teachers Credit Union CD Rates

1.71%$2k-5 Year Certificate
1.31%$100k-48-60 Month Certificate
1.26%$25k-30 Month President's Premium Certificate
1.21%$100k-36-48 Month Certificate
1.11%$100k-24-36 Month Certificate
0.60%$2k-12-24 Month Certificate
0.50%$2k-18 Month Bump Rate Certificate
0.35%$2k-6-12 Month Certificate
0.30%$98k-1-3 Month Jumbo Certificate

Spokane Teachers Credit Union IRA Rates

1.71%$2k-5 Year IRA Certificate
1.31%$100k-48-60 Month IRA Certificate
1.21%$100k-36-48 Month IRA Certificate
1.11%$100k-24-36 Month IRA Certificate
0.60%$2k-12-24 Month IRA Certificate
0.35%$2k-6-12 Month IRA Certificate

Spokane Teachers Credit Union has 17 locations. Click to view all Spokane Teachers Credit Union locations.