Inspirus Credit Union

Overview / Commentary
5200 Southcenter Blvd
Tukwila, WA 98188

Inspirus Credit Union is headquartered in Tukwila and is the 11th largest credit union in the state of Washington. It is also the 230th largest credit union in the nation. It was established in 1936 and as of June of 2019, it had grown to 163 employees and 80,700 members at 6 locations. Inspirus Credit Union's CD rates are 50% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Inspirus Credit Union is open to those who live, work, worship, or attend school in Washington State.
See current membership details

Reviews (3)

A bit behind the times.

Posted by: Headpimi | Sep 4, 2017

I've been banking with Inspirus credit union for many years now, and I've been pretty satisfied with them. They are definitely not the most innovative credit union out there, but they are stable and have low fees. They are a bit behind the times when it comes to their online presence, however. The website design is counterintuitive and it lacks some features that other banks consider standard. There's no budgeting tool, for example. Things are not organized well and certain features direct you to a third party website that is affiliated with the bank. Doing an external transfer requires you to visit another company's website. And don't get me started on the mobile app. It's ugly, slow, and won't even let you view transaction details within it. If you try to even view a list of your recent transactions it gives you a message that you must login on a desktop to continue. What's with that?

Great credit union.

Posted by: Marcelino | Jul 16, 2015

I've been using SECUWA for many years now. My mother used to work for a school district, so I was able to get an account that way. They are a pretty standard credit union in a lot of respects, and offer all the same services you can expect of most banks. The one thing that makes them stand out, at least to me, is their customer service. Every time I call there is usually no hold time, and a person picks up almost immediately. They are always able to solve my issue right away. I currently have a savings account here, and the interest rate is competitive. It's a good place to park my money while I wait to do other things with it. Their mobile app is decent. When they first released it a few years ago it had a lot missing, but over the years it's gotten much better. They allow you to move money between internal and external accounts, call them with the press of a button, among other things. Their website is also quite good, having evolved just as well over the years. The focus they've put into improving their mobile and website experience is a reflection of the fact they have no physical branches, so keep that in mind. But it's totally possible to do all your banking with this company without a physical branch. They even have a huge network of ATM's where you can make deposits and withdraw money for no fee. You can even deposit with the mobile app now. Over all, I would say this is a great credit union, but quite restrictive because you must be a school employee or relative in order to open an account.

Hassle-free banking

Posted by: Erika2 | Mar 31, 2014

We've been using this credit union for about 8 years, and we just love it. The staff are friendly and helpful. We love that it's a small credit union because the service feels very personal. We've taken out a few loans, and they were so helpful and encouraging to us.

I also like the products they provide: savings accounts for my children, mobile deposit, easy & quick transfer of funds, etc. I do wish there wasn't a fee to exceed a certain number of transfers per month. I don't understand why they would charge such a fee.

They also let us open "savings envelopes" to keep track of specific savings. I wish this feature were available online instead of having to go in to the office, but I really enjoy the feature nonetheless. This has helped us to isolate funds for various savings goals.


Health Grade Components

NCUA #68362
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD10.53%
Annual Interest Income$25.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.38B$1.30B
LoansQ2 2019vs Q2 2018$1.10B$1.04B
DepositsQ2 2019vs Q2 2018$1.18B$1.11B
Equity CapitalQ2 2019vs Q2 2018$146.6MM$131.4MM
Loan Loss AllowanceQ2 2019vs Q2 2018$5.2MM$3.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.8MM$3.1MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Inspirus Credit Union Savings Account Rates

8.00%*$5$500Elements Savings
OTHER TIERS: 0.25% $500+
8.00%*$5$500eVisions Savings
OTHER TIERS: 0.25% $500+
8.00%*$5$500M3 Money Club Savings
OTHER TIERS: 0.25% $500+
8.00%*$5$500ADDvantage Savings
OTHER TIERS: 0.25% $500+
1.51%$5-Coverdell Education Savings
0.25%$5-IRA Savings

Inspirus Credit Union Checking Account Rates

8.00%*-$500ADDvantage Checking
OTHER TIERS: 0.10% $500+
8.00%*$5$500eVisons Checking
OTHER TIERS: 0.10% $500+
8.00%*-$500Elements Checking
OTHER TIERS: 0.10% $500+
0.10%--Regular Checking

Inspirus Credit Union CD Rates

2.50%$500-36 Month CD
2.35%$500-24 Month CD
1.85%$500-18 Month CD
1.35%$500-12 Month CD
0.50%$500-6 Month CD

Inspirus Credit Union IRA Rates

2.50%$500-36 Month IRA
2.35%$500-24 Month IRA
1.85%$500-18 Month IRA
1.35%$500-12 Month IRA
0.50%$500-6 Month IRA

Inspirus Credit Union Locations
Branch Office5123 E 3rd AveSpokane Valley, WA 99212
Corporate Office5200 Southcenter BlvdTukwila, WA 98188-2356
Branch Office3405 188th St SWLynnwood, WA 98037-4744
Branch Office10020 NE 137th StKirkland, WA 98034
Branch Office5363 Auto Center WayBremerton, WA 98312
Branch Office7300 Roosevelt Way NESeattle, WA 98115

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