|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Spokane City Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Spokane City Credit Union's savings rates are at 5.00%. Spokane City Credit Union's money market rates are at 2.79%. Spokane City Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.69%. Spokane City Credit Union's Credit Card Rates are at 10.99%. Spokane City Credit Union's savings rates are 571% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Spokane City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.74%. Rates last updated and verified on 10/30/2026. Spokane City Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Spokane City Credit Union? Share your experience about Spokane City Credit Union by leaving a review below, or read customer reviews before you decide to use Spokane City Credit Union. Spokane City Credit Union
Spokane City Credit Union 1930 N Monroe St
https://www.sccu.net Spokane, WA 99205-4538  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Spokane City Credit Union Savings Rates
Spokane City Credit Union Money Market Rates
Spokane City Credit Union Auto Loan Rates
Spokane City Credit Union RV, Boat and Powersport Loan Rates
Spokane City Credit Union Credit Card Rates
Spokane City Credit Union Personal Loan Rates
Spokane City Credit Union Other Rates
Financial Health HistorySpokane City Credit Union’s Texas Ratio stayed near 0.29% in Q3 2023 to 0.74% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Spokane City Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Spokane City Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Spokane City Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Spokane City Credit Union
Website
https://www.sccu.net
Address
1930 N Monroe St,
Spokane, WA 99205-4538
Phone
509-325-7228
Fax
509-325-9818
President
Gene Jakubczak
CEO
Deanna Hanley
Full-Time Employees
11
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.74%
Return on Assets (ROA)
0.2143%
Return on Equity (ROE)
2.0181%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
65,916,110
Total Amount of Shares and Deposits
58,445,198
Total Shares and Deposits < 1 Year
54,241,175
Total Shares and Deposits 1 3 Years
4,204,023
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,302,458
Total Uninsured Shares and Deposits > $250K (F+J)
2,302,458
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,142,740
Total Interest Expense (Sum of items 6 8)
338,533
Share Certificates
232
Number of Accounts for Share Drafts
2,443
IRA KEOGH Accounts
96
Number of Accounts for Regular Shares
3,798
All other shares
14
Money Market Shares
108
Net Income (unless the amount is already included in Undivided Earnings)
141,228
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,506,225
Total Liabilities
58,918,114
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Spokane City Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Spokane City Credit Union
Frequently Asked Questions About Spokane City Credit UnionWhat is the highest savings rate at Spokane City Credit Union?The highest Spokane City Credit Union savings rate is its NexGen Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Spokane City Credit Union?The highest Spokane City Credit Union money market rate is its Money Market / Preferred Share Investment (PSI) at 2.79% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Spokane City Credit Union?The lowest Spokane City Credit Union auto loan rate is its Autos and Motorcycles at 3.99%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Spokane City Credit Union?The lowest Spokane City Credit Union personal loan rate is its ATVs, Snowmobiles, Motorcycles, and Personal Water Craft Loan at 6.69%, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Spokane City Credit Union?The lowest Spokane City Credit Union credit card APR is its Diamond VISA Credit Card at 3.99%, verified by MonitorBankRates as of October 30, 2026. How many branches does Spokane City Credit Union operate?Spokane City Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Spokane City Credit Union?Yes, to access services at Spokane City Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Spokane City Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Spokane City Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Spokane City Credit Union offer online and mobile banking?Most modern institutions like Spokane City Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sccu.net. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Spokane City Credit Union rates compare?Spokane City Credit Union's savings rates are 571% higher than the MonitorBankRates national average, and it has an A+ health rating. Spokane City Credit Union's top rates are its NexGen Savings at 5.00% APY, its Money Market / Preferred Share Investment (PSI) at 2.79% APY, its ATVs, Snowmobiles, Motorcycles, and Personal Water Craft Loan at 6.69% APR and its Classic VISA Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026. Current Spokane City Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
The Catholic Credit Union
South Bay Credit Union
Southern Star Credit Union
Macon Firemens Credit Union
Columbus Club Federal Credit Union
Southwest Montana Community Federal Credit Union
Division #6 Highway Credit Union
Quincy Postal Employees Credit Union
Northern Star Credit Union
River Town Federal Credit Union
Canandaigua Credit Union
Jackson County Federal Credit Union
3Hill Credit Union
Share Advantage Credit Union
Ulster Federal Credit Union
Riverfront Federal Credit Union
Avanti Federal Credit Union
Pittsburgh City Hall Employees Federal Credit Union
Ed-Med Federal Credit Union
Valley 1st Community Federal Credit Union
Kellogg Community Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
