Credit union · NCUA insured
STCU Savings Rates
STCU’s best savings rate is 2.79% APY on $10,000, with its Member Preferred Money Market. Rates checked October 22, 2026.
How STCU’s savings 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
2.79%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $279
Member Preferred 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
STCU savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.79%
- $10,000 balance$10,0002.79%
- $100,000 balance$100,0002.79%
- QualifiedQualified2.79%
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 STCU 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.
First5 Savings
0.25%APY
STCU membership required. One First5 Savings Account per person. Variable dividend rate subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500. No minimum balance required to earn the APY. | 5.10% | — | Applies to the first $500. No minimum balance required to earn the APY. |
| $500 and upApplies to balances above $500. | 0.25% | $25 | Applies to balances above $500. |
Sources (3)
All captured Sep 15, 2026
Member Preferred Money Market
2.79%APY
STCU membership is required to open account. Rate is variable and balance tiers may change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY accurate as of last dividend declaration date. Rate variable; balance tiers may change after opening. Dividends compounded monthly. No monthly service charge. Unlimited in-person deposits and withdrawals. Limited to six pre-authorized/remote transfers per month with excess fees possible.Any balance | 2.79% | $279 | APY accurate as of last dividend declaration date. Rate variable; balance tiers may change after opening. Dividends compounded monthly. No monthly service charge. Unlimited in-person deposits and withdrawals. Limited to six pre-authorized/remote transfers per month with excess fees possible. |
Sources (1)
- stcu.org/personal/saving-and-investing/money-markets · captured Sep 15, 2026
Standard Savings
0.15%APY
STCU membership required to open account. Dividends calculated on daily balance. Rate is variable and subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn the APY.Any balance | 0.15% | $15 | No minimum balance required to earn the APY. |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
Health Savings Account
0.15%APY
Must be enrolled in a qualifying high-deductible health plan (HDHP), not covered by any other non-HDHP health insurance, not enrolled in Medicare, and cannot be claimed as a dependent. One HSA allowed per person.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $2 fee is charged any month that your average monthly balance goes below $250. Rate is variable and may change after account is open.Any balance | 0.15% | $15 | A $2 fee is charged any month that your average monthly balance goes below $250. Rate is variable and may change after account is open. |
Sources (1)
- stcu.org/personal/saving-and-investing/health-savings · captured Sep 15, 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.