Credit union · NCUA insured
Spokane Firefighters Credit Union
A $86.5M credit union headquartered in Spokane, WA, with 2,553 members and 1 branch in Washington. Best rates: CDs 3.29% and savings 0.40% APY.
Spokane Firefighters Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#15 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spokane Firefighters Credit Union
Spokane Firefighters Credit Union is a member-owned financial cooperative founded by Spokane firefighters in 1934 during the Great Depression.
- Headquarters
- 2002 N Atlantic St, Spokane, WA 99205-4805
- NCUA charter
- 68205
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Spokane Firefighters Credit Union are eligible for membership.
Military, government and schools
- Employees of any fire department or fire district located in specified Panhandle counties in Idaho (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in specified Idaho counties (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in any school district within the state of Washington are eligible for membership.
- Employees of any fire department or fire district in the state of Washington are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, parents-in-law, children-in-law, grandparent, grandchild, including step and adoptive relationships) of primary membership groups are eligible for membership.
1 more way to join
Other ways
- Directors, employees, volunteers, and retirees of any of the eligible organizations (fire departments/districts in WA or specified ID counties, or the credit union) are eligible for membership.
Branches
1 branch in Washington
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Washington
1 branch
- SfcuMain office2002 N Atlantic St, Spokane, WA 99205Directions
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 | 14.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.88% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio14.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Spokane Firefighters Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.