Spokane Teachers Credit Union


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

Phone 800-858-3750

Notable Rates APY Vs.Others
Savings 0.05% 4.01% →
1-Year CD 0.40% 4.50% →
2-Year CD 1.10% 4.73% →
5-Year CD 3.25% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 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 $5295.73 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 $5,295.73 million
Loans $4,315.41 million
Deposits $4,530.96 million
Capital $539.57 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 - November 30, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $0 - Learn More
Money Market
0.10% $0 $25,000 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
Money Market
0.10% $50,000 $74,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $2,000 - Learn More
12 Mo CD
0.40% $2,000 - Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
1.10% $2,000 - Learn More
30 Mo CD
3.00% $10,000 $14,999 Learn More
30 Mo CD
3.00% $100,000 $199,999 Learn More
36 Mo CD
0.65% $2,000 - Learn More
48 Mo CD
3.25% $2,000 - Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 $6,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.20% $1 $5,000 Learn MoreShow Less
0.20% $10,000 $25,000 Learn MoreShow Less

Loan Rates - November 30, 2022

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
6.125% 6.000% 1.00 $3,368 $1,499 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.779% 7.625% 1.00 $3,750 $1,770 Learn More
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

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



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:

Spokane Teachers Locations

Climate 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.

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
1.78% 4.24

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, 2022, Spokane Teachers had $10,123,742 in non-current loans and $27,788 in owned assets. To cover these potential losses it had $539,568,361 in net worth and $31,624,104 in loans loss reserves. That gives it a Texas Ratio of 1.78%.

Net Worth
Spokane Teachers U.S. Average
10.19% 12.40%

Spokane Teachers FCU has a net worth of 10.19% versus the BestCashCow average of 12.40. 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

  • December 22, 2021 |

    CDs 12 Month Rates

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

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