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%	4.66% →
1-Year CD	3.75%	4.59% →
2-Year CD	2.50%	4.25% →
5-Year CD	3.00%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

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

2025 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 $5851.12 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	$5,851.12 million
Loans	$4,894.16 million
Deposits	$4,817.60 million
Capital	$627.30 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 - June 15, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.15%	$0	-	Learn More Reviews
Money Market	1.00%	$0	$25,000	Learn More Reviews
Money Market	2.00%	$25,000	$49,999	Learn More Reviews
Money Market	2.25%	$50,000	$74,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
1 Mo CD	0.50%	$98,000	-	Learn More Reviews
6 Mo CD	3.25%	$2,000	-	Learn More Reviews
12 Mo CD	3.75%	$2,000	-	Learn More Reviews
18 Mo CD	2.25%	$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	2.50%	$2,000	-	Learn More Reviews
30 Mo CD	2.50%	$10,000	$24,999	Learn More Reviews
30 Mo CD	3.50%	$25,000	-	Learn More Reviews
30 Mo CD	2.50%	$100,000	$199,999	Learn More Reviews
36 Mo CD	2.75%	$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
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

Fixed IRA Rates	APY	MIN	MAX
18 Mo FIRA	2.25%	$2,000	-	Learn MoreShow Less
30 Mo FIRA	3.50%	$25,000	-	Learn MoreShow Less
60 Mo FIRA	3.00%	$2,000	-	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 - June 15, 2025

Your Current Location: New York, NY 10116

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 - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.494%	6.375%	0.63	$3,998	$1,997	Learn More
NMLS ID: 401822	6.746%	6.625%	0.63	$3,995	$2,049	Learn More
NMLS ID: 3030						Learn More
NMLS ID: 401822						Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$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
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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:
New York City,New York

Spokane Teachers Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Spokane Teachers Credit Union - Downtown Coeur d'Alene Branch	1138.30	A	View Lobby Hours
Community Bank	2313.24	B	View Lobby Hours
Clarkston Branch	2314.62	C	View Lobby Hours
Spokane Teachers Credit Union - Bonner County Branch	2314.94	D	View Lobby Hours
Enterprise Branch	2316.48	E	View Lobby Hours
Spokane Teachers Credit Union - Silver Lake Branch	2318.65	F	View Lobby Hours
Spokane Teachers Credit Union - Post Falls Branch	2324.09	G	View Lobby Hours
Wallowa Branch	2330.90	H	View Lobby Hours
Spokane Teachers Credit Union - Liberty Lake Branch	2333.93	I	View Lobby Hours
Spokane Teachers Credit Union - Headquarters	2334.07	J	View Lobby Hours
Spokane Teachers Credit Union - Newport Branch	2338.58	K	View Lobby Hours
Baker City Branch	2339.08	L	View Lobby Hours
South Valley Branch	2340.02	M	View Lobby Hours
Spokane Teachers Credit Union - Valley Branch	2340.23	N	View Lobby Hours
Spokane Teachers Credit Union - South Branch	2348.92	O	View Lobby Hours
Spokane Teachers Credit Union - University District Branch	2349.58	P	View Lobby Hours
Spokane Teachers Credit Union - Main Branch	2350.35	Q	View Lobby Hours
Spokane Teachers Credit Union - Downtown Spokane Branch	2350.61	R	View Lobby Hours
Spokane Teachers Credit Union - Northtown Square Branch	2350.70	S	View Lobby Hours
Elgin Branch	2351.31	T	View Lobby Hours
Spokane Teachers Credit Union - North Branch	2351.35	U	View Lobby Hours
Spokane Teachers Credit Union - Indian Trail Branch	2354.91	V	View Lobby Hours
Spokane Teachers Credit Union - Cheney Branch	2355.89	W	View Lobby Hours
Valley Branch	2357.50	X	View Lobby Hours
La Grande Branch	2358.54	Y	View Lobby Hours
Walla Walla Branch	2378.54	Z	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
4.66%	7.07

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, 2024, Spokane Teachers had $30,741,514 in non-current loans and $105,200 in owned assets. To cover these potential losses it had $627,302,795 in net worth and $35,079,564 in loans loss reserves. That gives it a Texas Ratio of 4.66%.

Net Worth

Spokane Teachers	U.S. Average
10.72%	14.25%

Spokane Teachers FCU has a net worth of 10.72% versus the BestCashCow average of 14.25. 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