Credit union · NCUA insured
Responders Emergency Services Credit Union
Top CarrotA $57M credit union headquartered in Spokane, WA, with 2,606 members and 2 branches in 2 states. Best rates: CDs 3.66% and savings 0.70% APY.
Responders Emergency Services Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#2 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Responders Emergency Services Credit Union
Responders Emergency Services Credit Union was originally organized in Spokane, Washington, in 1966 as Spokane Police Credit Union.
The institution became Spokane Law Enforcement Credit Union in the mid-1990s before adopting its current name in 2017 to serve broader first-responder communities.
Operating as a member-owned cooperative focused on first responders and their families, RESCU expanded by opening a second branch in Post Falls in 2024.
- Headquarters
- 924 W Sinto Ave, Spokane, WA 99201-2531
- NCUA charter
- 68305
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Law Enforcement related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Firefighter related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Emergency Medical Services related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
Family and household
- Family members sponsored by a current RESCU member in good standing are eligible for membership.
Branches
2 branches in 2 states
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Idaho
1 branch
- Responders Emergency Services Credit Union Post Falls Branch3640 E Seltice Way, Post Falls, ID 83854Directions
Washington
1 branch
- Responders Emergency Services Credit UnionMain office924 W Sinto Ave, Spokane, WA 99201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.32% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.01% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.49% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio17.32%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.01%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Responders Emergency Services Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.