Credit union · NCUA insured
STCU Credit Card Rates
STCU credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How STCU’s credit card rates compare
Compared with banks and credit unions near Spokane, WA, where STCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
STCU
12.99%APR
- Annual fee
- $49
- Up to
- 22.99% APR
STCU Premier Rewards World Mastercard
Lowest rate
Cheney Federal Credit Union
7.25%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Responders Emergency Services Credit Union
8.90%APR
- Annual fee
- None
- Up to
- —
STCU credit card score
64
Credit card score
Higher than 11% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where STCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
STCU Mastercard
Fixed-rate credit card with $1,000 minimum credit limit. Introductory rate availability based on creditworthiness; not all applicants will qualify. All loans subject to approval. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% intro annual percentage rate (APR) for 6 months on purchases. Introductory rate availability based on creditworthiness. |
| Ongoing | 11.99%–22.99% | None | Fixed APR thereafter for traditional cards based on creditworthiness. No balance transfer fee after 90 days. |
Sources (2)
All captured Oct 15, 2026
STCU Premier Rewards World Mastercard
Minimum credit limit of $5,000. Introductory rate availability based on creditworthiness; not all applicants will qualify. All loans subject to approval. $0 intro annual fee for the first year, then $49/year.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% intro APR for 6 months. Introductory rate availability based on creditworthiness. Does not apply to cash advances. |
| Ongoing | 12.99%–22.99% | $49 | Variable APR thereafter based on creditworthiness. $0 intro annual fee for the first year, then $49/year. |
Sources (2)
- stcu.org/personal/credit-cards/credit-card-comparison
- stcu.org/personal/credit-cards/rewards-mastercards
All captured Oct 15, 2026
STCU Rewards World Mastercard
Minimum credit limit of $1,000 (per comparison page). Introductory rate availability based on creditworthiness; not all applicants will qualify. All loans subject to approval. No annual fee. Balance transfers from existing STCU loans or credit cards are not permitted.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR for 7 billing cycles from the account opening date. Introductory rate availability based on creditworthiness. |
| Ongoing | 12.99%–22.99% | None | After introductory period, APR will be 12.99% to 22.99% based on creditworthiness; varies with the market based on the Prime Rate. |
| Ongoing | 18.99%–26.99% | None | APR for Cash Advances based on creditworthiness; varies with the market based on the Prime Rate. Either $5 or 3% of each cash advance, whichever is greater. Interest begins charging on transaction date. |
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.