Overview / Commentary
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 59th largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 916 employees and 278,173 members at 41 locations. STCU's savings rates are 14X the national average, and it has a B+ 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

Reviews (5)

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

Posted by: |

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: |

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: |

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 - YTD0.03%
Return on Equity - YTD0.37%
Annual Interest Income$69.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$5.86B$5.77B
LoansQ1 2024vs Q1 2023$4.81B$4.68B
DepositsQ1 2024vs Q1 2023$4.67B$4.63B
Equity CapitalQ1 2024vs Q1 2023$488.5MM$458.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$38.9MM$37.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$13.8MM$9.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not STCU; 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.

STCU Savings Account Rates

7.19%*$0$500First5 Savings
OTHER TIERS: 0.25% $500+
4.07%$0-IRA Savings
0.15%$0-Standard Savings
0.15%$0-Business Savings

STCU Money Market Rates

3.04%*$1m*-President's Plus Money Market
OTHER TIERS: 1.51% $100k - $500k | 2.02% $500k - $1m
1.26%*$250k*-President's Premium Money Market
OTHER TIERS: 0.30% $0 - $25k | 0.65% $25k - $100k | 1.06% $100k - $250k
1.06%*$100k*-STCU Business Money Market
OTHER TIERS: 0.30% $0 - $25k | 0.65% $25k - $100k
0.45%*$50k*-STCU Money Market
OTHER TIERS: 0.15% $0 - $2.5k | 0.20% $2.5k - $10k | 0.30% $10k - $50k

STCU Checking Account Rates

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+
0.25%*$25k*-Business IOLTA Checking
OTHER TIERS: 0.15% $10k - $25k
0.25%*$25k*-Business IRETA - WA Checking
OTHER TIERS: 0.15% $0+
0.20%*$0$5kDividend Checking
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $25k | 0.15% $25k+
0.15%*$50k*-Business Growth Checking
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $50k


5.12%$2k-9 Month Select Certificate
5.12%$2k-18 Month Select Certificate
4.07%$500-12-24 Month Certificate
4.07%$500-Business 12-24 Month Certificate
3.56%$500-6-12 Month Certificate
3.56%$25k-30 Month President's Premium Certificate
3.56%$2k-5 Year Certificate
3.56%$500-Business 6-12 Month Certificate
3.56%$25k-Business 30 Month President's Premium Certificate
3.56%$2k-Business 5 Year Certificate
3.30%*$2k*-48-60 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
3.30%*$2k*-Business 48-60 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
3.04%*$2k*-36-48 Month Certificate
OTHER TIERS: 0.25% $500 - $2k
3.04%*$2k*-Business 36-48 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


5.12%$2k-18 Month Select IRA Certificate
5.12%$2k-9 Month Select IRA Certificate
4.07%$500-12-24 Month IRA Certificate
3.56%$500-6-12 Month IRA Certificate
3.56%$2k-5 Year IRA Certificate
3.56%$25k-30 Month President's Premium IRA Certificate
3.30%*$2k*-48-60 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $2k
3.04%*$2k*-36-48 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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