Credit union · NCUA insured
STCU
A $6.4B credit union, the 63rd largest of 4,329, headquartered in Liberty Lake, WA, with 310,577 members and 54 branches in 3 states. Best rates: CDs 4.26% and savings 2.79% APY.
STCU Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#11 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About STCU
STCU was launched in October 1934 by educators in a classroom at Lewis and Clark High School to make access to credit unions easier.
It is a not-for-profit, member-owned cooperative operating 51 locations across the Inland Northwest.
- Headquarters
- 1620 N Signal Dr, Liberty Lake, WA 99019
- NCUA charter
- 68203
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend college in North Idaho (Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, and Shoshone counties) are eligible for membership.
- Persons who live, work, worship, or attend college in Eastern Oregon (Baker, Crook, Gilliam, Grant, Harney, Hood River, Malheur, Morrow, Sherman, Umatilla, Union, Wallowa, Wasco, and Wheeler counties) are eligible for membership.
- Persons who live, work, worship, or attend college in Washington state are eligible for membership.
Employers and groups
- Employees of an STCU Community Business Partner are eligible for membership.
Family and household
- Anyone related or married to someone who meets the eligibility requirements is eligible for membership.
Cost to join
- Membership fee is waived for any eligible employed educator who joins the credit union.
- Becoming a member is free when joining online.
Branches
54 branches in 3 states
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Washington
40 branches
Spokane area · 21
- Spokane Teachers Credit Union - Airway Heights Branch10811 W State Route 2, Airway Heights, WA 99001Directions
- Spokane Teachers Credit Union - Cheney Branch2718 1st St, Cheney, WA 99004Directions
- Spokane Teachers Credit Union - Chewelah Branch111 S 2nd St E, Chewelah, WA 99109Directions
- Spokane Teachers Credit Union - Colville Branch621 S Main St, Ste 101, Colville, WA 99114Directions
- Spokane Teachers Credit Union - Kettle Falls Branch375 W 3rd Ave, Kettle Falls, WA 99141Directions
- Spokane Teachers Credit Union - Liberty Lake Branch2201 N Madson Rd, Liberty Lake, WA 99019Directions
- Spokane Teachers Credit Union - Medical Lake Branch120 S Broad St, Medical Lake, WA 99022Directions
- Spokane Teachers Credit Union - Downtown Spokane Branch207 N Wall St, Spokane, WA 99201Directions
- Spokane Teachers Credit Union - Hutton Branch9 S Washington St, Spokane, WA 99201Directions
- Spokane Teachers Credit Union - Indian Trail Branch8703 N Indian Trail Rd, Spokane, WA 99208Directions
- Spokane Teachers Credit Union - Main Branch106 W Nora Ave, Spokane, WA 99205Directions
- Spokane Teachers Credit Union - Moran Prairie Branch5711 S Hailee Ln, Spokane, WA 99223Directions
- Spokane Teachers Credit Union - Mt. Spokane Branch1734 E Renshaw Dr, Spokane, WA 99218Directions
- Spokane Teachers Credit Union - North Spokane Branch207 E Hastings Rd, Spokane, WA 99218Directions
- Spokane Teachers Credit Union - Northtown Square Branch4727 N Division St, Suite 105, Spokane, WA 99207Directions
- Spokane Teachers Credit Union - Qualchan Branch4233 S Cheney Spokane Rd, Spokane, WA 99224Directions
- Spokane Teachers Credit Union - South Spokane Branch820 E 29th Ave, Spokane, WA 99203Directions
- Spokane Teachers Credit Union - Argonne Branch9209 E Mission Ave, Spokane Valley, WA 99206Directions
- Spokane Teachers Credit Union - Argonne Home Loan Center9207 E Mission Ave, Spokane Valley, WA 99206Directions
- Spokane Teachers Credit Union - South Valley Branch13211 E 32nd Ave, Spokane Valley, WA 99216Directions
- Spokane Teachers Credit Union - Spokane Valley Branch13501 E Sprague Ave, Spokane Valley, WA 99216Directions
Kennewick area · 5
- Spokane Teachers Credit Union - Southridge Branch and Home Loan Center4842 W Hildebrand Blvd, Kennewick, WA 99338Directions
- Spokane Teachers Credit Union - Tri-Cities Commercial Banking Center9001 W Tucannon Ave, Kennewick, WA 99336Directions
- Spokane Teachers Credit Union - Pasco Branch5677 Rd 68, Pasco, WA 99301Directions
- Spokane Teachers Credit Union - Columbia Center Branch2001 N Columbia Center Blvd, Richland, WA 99352Directions
- Spokane Teachers Credit Union - Queensgate Branch2590 Queensgate Dr, Richland, WA 99352Directions
Othello area · 3
- Spokane Teachers Credit Union - Othello Branch450 E Main St, Othello, WA 99344Directions
- Spokane Teachers Credit Union - Othello Drive-Through1335 E Main St, Othello, WA 99344Directions
- Spokane Teachers Credit Union - Ritzville Branch108 E 1st Ave, Ritzville, WA 99169Directions
Walla Walla area · 2
- Spokane Teachers Credit Union - College Place Branch1288 SE Commercial Dr, College Place, WA 99324Directions
- Spokane Teachers Credit Union - Walla Walla Branch28 E Alder St, Walla Walla, WA 99362Directions
Moses Lake area · 2
- Spokane Teachers Credit Union - Coulee City Branch309 W Main St, Coulee City, WA 99115Directions
- Spokane Teachers Credit Union - Penn Plaza Branch1035 N Stratford Rd Unit 1, Moses Lake, WA 98837Directions
Brewster area · 1
- Spokane Teachers Credit Union - Brewster Branch106 US Highway 97, Brewster, WA 98812Directions
Lewiston area · 1
- Spokane Teachers Credit Union - Clarkston Branch118 Bridge St, Clarkston, WA 99403Directions
Wenatchee area · 1
- Spokane Teachers Credit Union - Coulee Dam Branch402 N Columbia Ave, Coulee Dam, WA 99116Directions
Creston area · 1
- Spokane Teachers Credit Union - Creston Branch290 Watson St NW, Creston, WA 99117Directions
Newport area · 1
- Spokane Teachers Credit Union - Newport Branch202 W Walnut St, Newport, WA 99156Directions
Omak area · 1
- Spokane Teachers Credit Union - Omak Branch323 S Main St, Omak, WA 98841Directions
Republic area · 1
- Spokane Teachers Credit Union - Republic Branch84 E Delaware Ave, Republic, WA 99166Directions
Idaho
7 branches
Coeur d'Alene area · 6
- Spokane Teachers Credit Union - Crossroads Branch2712 N Ramsey Rd, Coeur d'Alene, ID 83815Directions
- Spokane Teachers Credit Union - Downtown Coeur d'Alene Branch401 E Front Ave, Ste 100, Coeur d'Alene, ID 83814Directions
- Spokane Teachers Credit Union - Silver Lake Branch6704 N Government Way, Dalton Gardens, ID 83815Directions
- Spokane Teachers Credit Union - Hayden Branch255 W Hayden Ave, Hayden, ID 83835Directions
- Spokane Teachers Credit Union - Post Falls Branch3903 E Primrose Ln, Ste 101, Post Falls, ID 83854Directions
- Spokane Teachers Credit Union - Rathdrum Branch15573 N Vera St, Rathdrum, ID 83858Directions
Sandpoint area · 1
- Spokane Teachers Credit Union - Bonner County Branch477123 Highway 95, Ponderay, ID 83852Directions
Oregon
7 branches
La Grande area · 2
- Spokane Teachers Credit Union - Elgin Branch109 S 8th Ave, Elgin, OR 97827Directions
- Spokane Teachers Credit Union - La Grande Branch2313 Adams Ave, La Grande, OR 97850Directions
Hermiston area · 2
- Spokane Teachers Credit Union - Hermiston Branch50 E Theater Ln, Hermiston, OR 97838Directions
- Spokane Teachers Credit Union - Pendleton Branch157 S Main St, Pendleton, OR 97801Directions
Baker City area · 1
- Spokane Teachers Credit Union - Baker City Branch1190 Campbell St, Baker City, OR 97814Directions
Enterprise area · 1
- Spokane Teachers Credit Union - Enterprise Branch300 NW 1st St, Enterprise, OR 97828Directions
Joseph area · 1
- Spokane Teachers Credit Union - Joseph Branch609 N Main St, Joseph, OR 97846Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.38% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.39% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.67% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalNet worth ratio10.38%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.39%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 STCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.