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 Spokane Teachers 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 Teachers Credit Union's 30-Month Select CD rates are at 4.26%, 19-Month Select CD rates are at 4.07%, President's Premium 30-month CD rates are at 3.56%, Standard CD - 12- to 24-month rates are at 3.30%, Standard CD - 6- to 12-month rates are at 3.30%. Spokane Teachers Credit Union's savings rates are at 5.10%. Spokane Teachers Credit Union's money market rates are at 2.79%. Spokane Teachers Credit Union's Auto Loan Rates are as low as 5.24%. Spokane Teachers Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A health rating. 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 10.05%. Rates last updated and verified on 10/30/2026. 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. Spokane Teachers Credit Union
Spokane Teachers Credit Union - Headquarters 1620 N Signal Dr
https://www.stcu.org Liberty Lake, WA 99019  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 Teachers Credit Union CD Rates
Spokane Teachers Credit Union Savings Rates
Spokane Teachers Credit Union Money Market Rates
Spokane Teachers Credit Union Auto Loan Rates
Spokane Teachers Credit Union RV, Boat and Powersport Loan Rates
Financial Health HistorySpokane Teachers Credit Union’s Texas Ratio rose from 1.98% in Q3 2023 to 10.05% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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 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
1,010
Part-Time Employees
26
Branch Locations
53
ATM Locations
52
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.05%
Return on Assets (ROA)
0.3338%
Return on Equity (ROE)
3.2156%
Non-Performing Loans Ratio (NPL)
1.39%
Total Assets
6,380,961,800
Total Amount of Shares and Deposits
5,428,539,529
Total Shares and Deposits < 1 Year
5,242,253,643
Total Shares and Deposits 1 3 Years
178,822,965
Total Shares and Deposits > 3 Years
7,462,922
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
548,318,270
Total Uninsured Shares and Deposits > $250K (F+J)
548,318,270
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,880,221,259
Total Interest Expense (Sum of items 6 8)
66,991,076
Share Certificates
23,720
Number of Accounts for Share Drafts
230,127
IRA KEOGH Accounts
6,200
Number of Accounts for Regular Shares
184,056
Non Member Deposits
588
Money Market Shares
41,296
Net Income (unless the amount is already included in Undivided Earnings)
21,301,081
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)
213,373,199
Total Liabilities
5,821,275,962
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Spokane Teachers Credit UnionDoes Spokane Teachers Credit Union offer CDs?Yes. Spokane Teachers Credit Union current CD rates include its 30-Month Select CD at 4.26% APY, its 19-Month Select CD at 4.07% APY and its President's Premium 30-month CD at 3.56% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Spokane Teachers Credit Union NCUA insured?Yes. Spokane Teachers Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Spokane Teachers Credit Union?The highest Spokane Teachers Credit Union CD rate is its 30-Month Select CD at 4.26% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Spokane Teachers Credit Union offer?Spokane Teachers Credit Union CD rates are 3.30% APY for a 12 month CD, 4.07% APY for an 18 month CD, 4.07% APY for a 19 month CD, 3.30% APY for a 2 year CD, 4.26% APY for a 30 month CD and 0.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Spokane Teachers Credit Union for its full lineup. What is the highest savings rate at Spokane Teachers Credit Union?The highest Spokane Teachers Credit Union savings rate is its First5 Savings at 5.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Spokane Teachers Credit Union?The highest Spokane Teachers Credit Union money market rate is its Member Preferred Money Market at 2.79% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Spokane Teachers Credit Union?The lowest Spokane Teachers Credit Union auto loan rate is its Auto loan at 5.24% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Teachers Credit Union rates compare?Spokane Teachers Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A health rating. Spokane Teachers Credit Union's top rates are its 30-Month Select CD at 4.26% APY, its First5 Savings at 5.10% APY, its Member Preferred Money Market at 2.79% APY and its Auto loan at 5.24% APR, verified by MonitorBankRates on October 30, 2026. Current Spokane Teachers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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