Spokane Teachers Credit Union
Headquarters
1620 N Signal Dr
Liberty Lake, WA 99019
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Phone 800-858-3750
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 $5788.27 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 | $5,788.27 million |
| Loans | $4,783.18 million |
| Deposits | $4,592.56 million |
| Capital | $614.16 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 - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.15% | $0 | - |
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|
|
Money Market
|
0.15% | $0 | $25,000 |
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|
|
Money Market
|
0.65% | $25,000 | $49,999 |
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|
|
Money Market
|
0.65% | $50,000 | $74,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.50% | $2,000 | - |
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|
| 12 Mo CD
|
4.00% | $2,000 | - |
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|
| 18 Mo CD
|
4.00% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
4.00% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $2,000 | - |
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|
| 30 Mo CD
|
2.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
2.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.25% | $2,000 | - |
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|
| 48 Mo CD
|
0.25% | $2,000 | - |
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|
| 60 Mo CD
|
0.25% | $2,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
4.00% | $1 | $6,000 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.20% | $1 | $5,000 | Learn More |
| INTCK
|
0.10% | $10,000 | $25,000 | Learn More |
Loan Rates - April 23, 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 |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.608% | 6.500% | 0.88 | $3,600 | $2,023 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Spokane Teachers
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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
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 |
|---|---|
| 3.88% | 6.97 |
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 December 31, 2023, Spokane Teachers had $25,073,123 in non-current loans and $121,155 in owned assets. To cover these potential losses it had $614,160,569 in net worth and $35,079,564 in loans loss reserves. That gives it a Texas Ratio of 3.88%.
Net Worth
| Spokane Teachers | U.S. Average |
|---|---|
| 10.61% | 13.62% |
Spokane Teachers FCU has a net worth of 10.61% versus the BestCashCow average of 13.62. 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 |
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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