Spokane Teachers Credit Union

Headquarters

1620 N Signal Dr
Liberty Lake, WA 99019
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.15%	5.50% →
1-Year CD	3.75%	4.65% →
2-Year CD	0.25%	4.25% →
5-Year CD	3.00%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by Guy | December 22, 2021 |

CDs 12 Month Rates

STCU this rate is over twice what I was told at the credit union

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Spokane Teachers is an NCUA insured institution located in Liberty Lake, WA. It was founded in 1934 and has approximately $5877 millions in assets.

Who can join?

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.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 68203
Date Established	1934
Assets	$5,877.00 million
Loans	$4,876.06 million
Deposits	$4,706.75 million
Capital	$624.74 million

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.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.15%	$0	-	Learn More Reviews
Money Market	0.15%	$0	$25,000	Learn More Reviews
Money Market	0.65%	$25,000	$49,999	Learn More Reviews
Money Market	0.65%	$50,000	$74,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.25%	$2,000	-	Learn More Reviews
12 Mo CD	3.75%	$2,000	-	Learn More Reviews
18 Mo CD	3.75%	$10,000	$14,999	Learn More Reviews
18 Mo CD	3.75%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.25%	$2,000	-	Learn More Reviews
30 Mo CD	2.50%	$10,000	$14,999	Learn More Reviews
30 Mo CD	2.50%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.25%	$2,000	-	Learn More Reviews
48 Mo CD	0.25%	$2,000	-	Learn More Reviews
60 Mo CD	3.00%	$2,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	3.00%	$1	$6,000	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.20%	$1	$5,000	Learn MoreShow Less
INTCK	0.10%	$10,000	$25,000	Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Spokane Teachers

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750%	1.00	$4,432	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Spokane Teachers
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Spokane Teachers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Spokane Teachers Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Spokane Teachers Credit Union - Downtown Coeur d'Alene Branch	731.39	A	View Lobby Hours
Spokane Teachers Credit Union - Bonner County Branch	1869.27	B	View Lobby Hours
Spokane Teachers Credit Union - Silver Lake Branch	1869.51	C	View Lobby Hours
Spokane Teachers Credit Union - Post Falls Branch	1874.73	D	View Lobby Hours
Spokane Teachers Credit Union - Liberty Lake Branch	1884.17	E	View Lobby Hours
Spokane Teachers Credit Union - Headquarters	1884.29	F	View Lobby Hours
South Valley Branch	1889.87	G	View Lobby Hours
Spokane Teachers Credit Union - Valley Branch	1890.24	H	View Lobby Hours
Spokane Teachers Credit Union - Newport Branch	1891.62	I	View Lobby Hours
Spokane Teachers Credit Union - South Branch	1898.60	J	View Lobby Hours
Spokane Teachers Credit Union - University District Branch	1899.42	K	View Lobby Hours
Spokane Teachers Credit Union - Main Branch	1900.26	L	View Lobby Hours
Spokane Teachers Credit Union - Downtown Spokane Branch	1900.42	M	View Lobby Hours
Spokane Teachers Credit Union - Northtown Square Branch	1900.75	N	View Lobby Hours
Spokane Teachers Credit Union - North Branch	1901.76	O	View Lobby Hours
Spokane Teachers Credit Union - Cheney Branch	1904.77	P	View Lobby Hours
Spokane Teachers Credit Union - Indian Trail Branch	1905.08	Q	View Lobby Hours
CRESTON BRANCH	1958.40	R	View Lobby Hours
Almira Branch	1978.77	S	View Lobby Hours
COULEE DAM FEDERAL CREDIT UNION	1985.88	T	View Lobby Hours
Republic Branch	1986.92	U	View Lobby Hours
Bridgeport Branch	2021.82	V	View Lobby Hours
OMAK BRANCH	2022.08	W	View Lobby Hours
BREWSTER BRANCH	2023.37	X	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

SPOKANE TEACHERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Spokane Teachers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spokane Teachers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Spokane Teachers	U.S. Average
3.13%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Spokane Teachers had $20,503,040 in non-current loans and $126,553 in owned assets. To cover these potential losses it had $624,742,103 in net worth and $35,079,564 in loans loss reserves. That gives it a Texas Ratio of 3.13%.

Net Worth

Spokane Teachers	U.S. Average
10.63%	13.93%

Spokane Teachers FCU has a net worth of 10.63% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Spokane Teachers

Guy

December 22, 2021 |

CDs 12 Month Rates

STCU this rate is over twice what I was told at the credit union

Is this review helpful? Yes:0 / No: 1

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