What are the current interest rates at Spokane Teachers Credit Union?

Current rates for Spokane Teachers Credit Union include: Savings: 0.15%, MMA: 2.79%

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Spokane Teachers Credit Union

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Spokane Teachers Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Spokane Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Spokane Teachers Credit Union's savings rates are at 0.15%. Spokane Teachers Credit Union's money market rates are at 2.79%. Spokane Teachers Credit Union's Auto Loan Rates are as low as 4.74%. MonitorBankRates evaluates the financial stability of Spokane Teachers Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.46%. Rates last updated and verified on 09/22/2026.

Spokane Teachers 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 Teachers Credit Union? Share your experience about Spokane Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Spokane Teachers Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.46%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Spokane Teachers Credit Union
Spokane Teachers Credit Union - Headquarters

1620 N Signal Dr
Liberty Lake, WA 99019

https://www.stcu.org

Spokane Teachers Credit Union Savings Rates

Product	Rate	APY
First5 Savings	-	5.10%
Min Balance $500 Details Balances above $500 earn 0.25% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
First5 Savings	-	0.25%
Min Balance $500 Details Balances above $500 earn 0.25% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Health savings account	-	0.15%
Details APY effective 07/01/2026. Rate is variable and may change after account is open. A $2 fee is charged any month that your average monthly balance goes below $250. One health savings account is allowed per person. No minimum balance to open an STCU health savings account. Fees may reduce earnings. Consult your tax advisor. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Standard savings	-	0.15%
Details APY effective 07/01/2026. No minimum balance required to earn the APY and no penalty for withdrawals. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Spokane Teachers Credit Union Money Market Rates

Product	Rate	APY	View More
Member Preferred Money Market	-	2.79%
Details As high as 2.79 % APY*. APY effective 07/01/2026. Rate is variable and balance tiers may change after account is opened. STCU membership is required to open account and fees may reduce earnings. STCU allows up to six (6) pre-authorized, automatic, or remote (such as online and mobile banking) transfers to another account, including other accounts you own, per calendar month. A $5 "excess item fee" may be charged for the first three items above that limit, and $15 for each additional item after that. See transaction limits. STCU deposits are federally insured by NCUA up to $250,000 per account owner. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Spokane Teachers Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto loan	-	-	4.74%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Spokane Teachers Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV loan	-	6.49%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Spokane Teachers Credit Union’s Texas Ratio rose from 1.82% in Q2 2023 to 6.46% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$6.4B	6.46%	5.0	A
December 31, 2025	$6.3B	3.40%	5.0	A+
September 30, 2025	$6.4B	3.13%	5.0	A+
June 30, 2025	$6.3B	3.03%	5.0	A+
March 31, 2025	$5.9B	2.35%	5.0	A+
December 31, 2024	$5.9B	2.95%	5.0	A+
September 30, 2024	$5.9B	4.58%	5.0	A+
June 30, 2024	$5.9B	2.39%	5.0	A+
March 31, 2024	$5.9B	2.12%	5.0	A+
December 31, 2023	$5.8B	4.30%	5.0	A+
September 30, 2023	$5.8B	1.98%	5.0	A+
June 30, 2023	$5.7B	1.82%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Spokane Teachers 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 Teachers 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 Teachers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Spokane Teachers Credit Union

Website https://www.stcu.org

Address 1620 N Signal Dr, Liberty Lake, WA 99019

Phone 509-326-1954

Fax

President Addy Hatch

CEO Lindsey Myhre

Full-Time Employees 1,018

Part-Time Employees 27

Branch Locations 54

ATM Locations 53

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.46%

Return on Assets (ROA)

0.1163%

Return on Equity (ROE)

1.1429%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

6,376,176,817

Total Amount of Shares and Deposits

5,445,493,704

Total Shares and Deposits < 1 Year

5,289,863,749

Total Shares and Deposits 1 3 Years

146,458,605

Total Shares and Deposits > 3 Years

9,171,351

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

548,535,197

Total Uninsured Shares and Deposits > $250K (F+J)

548,535,197

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,896,958,507

Total Interest Expense (Sum of items 6 8)

32,526,046

Share Certificates

23,335

Number of Accounts for Share Drafts

228,640

IRA KEOGH Accounts

6,317

Number of Accounts for Regular Shares

184,107

Non Member Deposits

517

Money Market Shares

39,726

Net Income (unless the amount is already included in Undivided Earnings)

7,412,325

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)

263,874,198

Total Liabilities

5,828,719,837

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Spokane Teachers Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Spokane Teachers Credit Union

How many branches does Spokane Teachers Credit Union operate?

Spokane Teachers 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 Teachers Credit Union?

Yes, to access services at Spokane Teachers 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 Teachers 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 Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Spokane Teachers Credit Union offer online and mobile banking?

Most modern institutions like Spokane Teachers 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.stcu.org.