Credit union · NCUA insured
STCU CD Rates
STCU’s best CD rate is 4.26% APY on a 30-month share certificate (CD). Terms run from 19 months to 30 months. Rates checked October 22, 2026.
How STCU’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where STCU has the most branches. $10,000, best rate first.
This credit union’s best
STCU
4.26%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $1,099
Select Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Select Certificate
Up to 4.26%APY · 2 terms
Minimum deposit of $2,000 required. No monthly fees. Dividends compound monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months | 4.07% | $652 |
| 30 months | 4.26% | $1,099 |
Sources (1)
- stcu.org/personal/saving-and-i…ting/certificates/select · captured Oct 22, 2026
Who can join STCU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.