Liberty Lake, WA 99019
See all branch locations →

Phone 800-858-3750

Notable Rates APY Vs.Others
Savings 0.15% 1.55% →
1-Year CD 0.80% 1.35% →
2-Year CD 0.75% 1.35% →
5-Year CD 1.11% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $3219.68 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
Charter Number # # 68203
Date Established 1934
Assets $3,219.68 million
Loans $2,826.16 million
Deposits $2,562.78 million
Capital $345.28 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 6, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $1 - Learn More
Money Market
0.15% $1 $24,999 Learn More
Money Market
0.30% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
Special: 1 Mo CD
0.35% $98,000 - Learn More
3 Mo CD
0.35% $98,000 - Learn More
6 Mo CD
0.60% $10,000 $24,999 Learn More
6 Mo CD
0.60% $100,000 - Learn More
12 Mo CD
0.80% $10,000 $24,999 Learn More
12 Mo CD
0.80% $100,000 - Learn More
Special: 18 Mo CD
0.70% $2,000 - Learn More
18 Mo CD
0.80% $10,000 $24,999 Learn More
18 Mo CD
0.80% $100,000 - Learn More
24 Mo CD
0.75% $10,000 $24,999 Learn More
24 Mo CD
0.75% $100,000 - Learn More
30 Mo CD
0.75% $10,000 $24,999 Learn More
Special: 30 Mo CD
1.06% $25,000 - Learn More
30 Mo CD
0.75% $100,000 - Learn More
36 Mo CD
0.95% $10,000 $24,999 Learn More
36 Mo CD
0.95% $100,000 - Learn More
48 Mo CD
1.00% $10,000 $24,999 Learn More
48 Mo CD
1.00% $100,000 - Learn More
Special: 60 Mo CD
1.11% $2,000 - Learn More
60 Mo CD
1.00% $10,000 $24,999 Learn More
60 Mo CD
1.00% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
0.30% $1 $5,999 Learn MoreShow Less
Fixed IRA
0.25% $500 $1,999 Learn MoreShow Less
Special: 18 Mo FIRA
0.70% $2,000 - Learn MoreShow Less
Special: 30 Mo FIRA
1.06% $25,000 - Learn MoreShow Less
Special: 60 Mo FIRA
1.11% $2,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.75% $1 $5,000 Learn MoreShow Less

Loan Rates - June 6, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$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.

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Spokane Teachers Locations

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
2.82% 5.92

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 September 30, 2019, Spokane Teachers had $10,156,528 in non-current loans and $26,100 in owned assets. To cover these potential losses it had $345,282,510 in net worth and $15,418,337 in loans loss reserves. That gives it a Texas Ratio of 2.82%.

Net Worth
Spokane Teachers U.S. Average
10.72% 13.86%

Spokane Teachers FCU has a net worth of 10.72% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Spokane Teachers

Branches and Savings

What is Spokane Teachers?

A federal credit union, registered with the NCUA under certificate #68203.
Learn more about credit unions here.

Is Spokane Teachers FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Spokane Teachers?

Please see Field of Membership information above for information on who is eligible to join.

What are Spokane Teachers's share account and share certificate rates?

Spokane Teachers's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Spokane Teachers?

Spokane Teachers has total capital of $345.28 million. Full information on Spokane Teachers's financial position is located above.

Who owns Spokane Teachers?

Credit Unions are owned by their members.

Where are Spokane Teachers branches located?

See branch locations nearby.

Are Spokane Teachers ATMs Open 24/7?

Do Spokane Teachers ATMs accept cash deposits?

Can Spokane Teachers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Spokane Teachers have a mobile app?

Does Spokane Teachers have mobile deposit?

Does Spokane Teachers have quick pay?

How can Spokane Teachers transfer money to other banks or credit unions?

Does Spokane Teachers report to credit bureaus?

Does Spokane Teachers use Chexsystems?

Does Spokane Teachers use Equifax?

What is Spokane Teachers's toll free phone number?

What is Spokane Teachers's ACH Routing Number?

What is Spokane Teachers's SWIFT code?

Where can I find Spokane Teachers's wire transfer form?

What is the Spokane Teachers address for deposits?

What Products Does Spokane Teachers Offer

Does Spokane Teachers offer mortgages?

Compare mortgage rates here.

Does Spokane Teachers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spokane Teachers offer auto and RV loans?

Compare auto loan rates here.

Does Spokane Teachers offer student loans or personal loans?

Compare personal loan rates here.

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