Credit union · NCUA insured
Spokane City Credit Union Savings Rates
Top CarrotSpokane City Credit Union’s best savings rate is 2.02% APY on $10,000, with its Preferred Share Investment (Money Market). Rates checked October 22, 2026.
How Spokane City Credit Union’s savings rates compare
Compared with banks and credit unions near Spokane, WA, where Spokane City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spokane City Credit Union
2.02%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $202
Preferred Share Investment (Money Market)
Top rate
Progressions Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Spokane City Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.79%
- QualifiedQualified2.02%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Spokane City Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Preferred Share Investment (Money Market)
2.02%APY
Dividends compounded and credited: earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. Fees could reduce earnings. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Minimum balance to earn stated APY is $0.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. | 0.85% | — | Minimum balance to earn stated APY is $0.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. |
| $5,000 – $10,000Minimum balance to earn stated APY is $5,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. | 0.85% | — | Minimum balance to earn stated APY is $5,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. |
| $10,000 – $50,000Minimum balance to earn stated APY is $25,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. | 2.02% | $202 | Minimum balance to earn stated APY is $25,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. |
| $50,000 – $100,000Minimum balance to earn stated APY is $50,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. | 2.53% | — | Minimum balance to earn stated APY is $50,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. |
| $100,000 and upMinimum balance to earn stated APY is $100,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. | 2.79% | — | Minimum balance to earn stated APY is $100,000.00. Earned daily, posted last day of month. If closed prior to month end, dividend is forfeited. |
Share (Savings)
0.75%APY
$20 nonrefundable membership fee required to open account. Dividends compounded and credited quarterly based on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.75% | — |
| $1,000 – $5,000 | 0.75% | — |
| $5,000 – $10,000 | 0.75% | — |
| $10,000 – $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.75% | — |
| $100,000 and up | 0.75% | — |
Sources (3)
All captured Sep 15, 2026
Special-purpose accounts
NexGen Savings
0.75%APY
For members under 18 years old. $20 nonrefundable membership fee required to open account. Dividends compounded and credited quarterly based on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balances from $5.00 to $1,000.00. | 5.00% | — | Applies to balances from $5.00 to $1,000.00. |
| Over $1,000Applies to balances above $1,000.00. | 0.75% | $75 | Applies to balances above $1,000.00. |
Holiday Savings Club
2.02%APY
$20 nonrefundable membership fee required. Maximum deposit balance is $5,000.00. Entire balance automatically transfers to designated account on or after November 1st. Dividends earned daily and credited monthly. Account closure before crediting forfeits accrued dividends unless closed within 7 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 2.02% | — |
Sources (3)
- sccu.net/rates-savings
- sccu.net/disclosures/truth-in-savings-disclosures
- sccu.net/holiday-savings-club
All captured Sep 15, 2026
Individual Retirement Accounts
0.90%APY
Includes Traditional, Roth Conversion, and Roth Contribution Accounts. $20 nonrefundable membership fee required. Dividends compounded and credited quarterly based on daily balance. Limited to 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.80% | — |
| $1,000 – $5,000 | 0.85% | — |
| $5,000 – $10,000 | 0.85% | — |
| $10,000 – $25,000 | 0.90% | $90 |
| $25,000 – $50,000 | 0.90% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.11% | — |
Sources (2)
All captured Sep 15, 2026
Coverdell Education Savings Account
0.80%APY
$20 nonrefundable membership fee required. Dividends compounded and credited quarterly based on daily balance. Limited to 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.80% | $80 |
Sources (2)
All captured Sep 15, 2026
Who can join Spokane City Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in the state of Washington.
Membership information collected October 4, 2026.