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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 Media Federal Credit Union Rates & Review October 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.
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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 9, 2026
Spokane Media Federal Credit Union's top rates as of October 9, 2026 are 5.12% APY on its Balance CD Builder - 1 Year, 0.10% APY on savings, personal loans from 13.49% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Spokane Media Federal Credit Union CD rates include 6-Month Term Regular CD at 3.25%, IRA CD - 1 Year (Traditional or Roth) at 3.24%, and 12-Month Term Regular CD at 3.04%. MonitorBankRates evaluates the financial stability of Spokane Media Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.28%. Rates last updated and verified on 10/09/2026. Spokane Media Federal 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 Media Federal Credit Union? Share your experience about Spokane Media Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Spokane Media Federal Credit Union. Spokane Media Federal Credit Union
Spokane Media FCU 6103 N Astor St
https://smfcu.org Spokane, WA 99208-8102  Customer Reviews
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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 Media Federal Credit Union CD Rates
Spokane Media Federal Credit Union Savings Rates
Spokane Media Federal Credit Union Auto Loan Rates
Spokane Media Federal Credit Union RV, Boat and Powersport Loan Rates
Spokane Media Federal Credit Union Credit Card Rates
Spokane Media Federal Credit Union Personal Loan Rates
Financial Health HistorySpokane Media Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 17.28% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 Media Federal 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 Media Federal 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 Media Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Spokane Media Federal Credit Union
Website
https://smfcu.org
Address
6103 N Astor St,
Spokane, WA 99208-8102
Phone
509-777-8962
Fax
509-456-4697
President
Brad Banta
CEO
Sarah Dahmen
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.28%
Return on Assets (ROA)
-0.0790%
Return on Equity (ROE)
-0.8160%
Non-Performing Loans Ratio (NPL)
2.93%
Total Assets
16,571,836
Total Amount of Shares and Deposits
14,865,964
Total Shares and Deposits < 1 Year
14,865,964
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
133,647
Total Uninsured Shares and Deposits > $250K (F+J)
133,647
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,732,317
Total Interest Expense (Sum of items 6 8)
58,157
Share Certificates
147
Number of Accounts for Share Drafts
912
IRA KEOGH Accounts
51
Number of Accounts for Regular Shares
1,561
Net Income (unless the amount is already included in Undivided Earnings)
-13,086
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)
1,220,588
Total Liabilities
14,968,068
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Spokane Media Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Spokane Media Federal Credit Union
Frequently Asked Questions About Spokane Media Federal Credit UnionHow many branches does Spokane Media Federal Credit Union operate?Spokane Media Federal 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 Media Federal Credit Union?Yes, to access services at Spokane Media Federal 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 Media Federal 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 Media Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Spokane Media Federal Credit Union offer online and mobile banking?Most modern institutions like Spokane Media Federal 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://smfcu.org. Current Spokane Media Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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