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Spokane Teachers Credit Union

Overview
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Spokane Teachers Credit Union is a federally insured state credit union based in Liberty Lake, Washington. It has been opened since 1934, for 86 years.

With around $2,986,320,000 in assets, Spokane Teachers Credit Union is considered to be a very large credit union. It has 24 branches and 24 ATM locations.

About
Address 1620 North Signal Drive
Liberty Lake, Washington 99019
Website http://www.stcu.org
Phone (509) 326-1954
CEO Ezra Eckhardt
President of the Board Dolores Humiston
Services Offered
Map
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Score Card
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86 years
Years in business
Opened in 1934
Well Capitalized
Net worth classification
Source: NCUA
187,720 members
Membership type: State chartered natural person credit union
Above average number of members
282:1
Credit union member to staff ratio
282 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$2,986,315,665
Total assets
Above average
24 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
0.48%
Savings interest rate
Compared to 0.3% nationally
9.59%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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24 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
Spokane Teachers Credit Union Branch Locations

Spokane Teachers Credit Union - Bonner County Branch
477181 Highway 95
Ponderay, Idaho 83852
ATM Available
Spokane Teachers Credit Union - Liberty Lake Branch
2201 North Madson Road
Liberty Lake, Washington 99019
ATM Available
Spokane Teachers Credit Union - Silver Lake Branch
6704 North Government Way
Dalton Gardens, Idaho 83815
ATM Available
Spokane Teachers Credit Union - Post Falls Branch
3903 E. Primrose Lane
Post Falls, Idaho 83854
ATM Available
Spokane Teachers Credit Union - Queensgate Financial Center
2590 Queensgate Drive
Richland, Washington 99352
ATM Available
Spokane Teachers Credit Union - South Valley Branch
13211 E. 32nd Avenue
Spokane Valley, Washington 99216
ATM Available
Spokane Teachers Credit Union - Qualchan Branch
4233 S. Cheney Spokane Road
Spokane, Washington 99224
ATM Available
Spokane Teachers Credit Union - Crossroads Branch
2712 North Ramsey Road
Coeur D. Alene, Idaho 83815
ATM Available
Spokane Teachers Credit Union - Hutton Branch
9 S. Washington Street
Spokane, Washington 99201
ATM Available
Spokane Teachers Credit Union - Southridge Financial Center
4704 Hildebrand Boulevard
Kennewick, Washington 99338
ATM Available
Spokane Teachers Credit Union - Moran Prairie Branch
5711 S. Hailee Lane
Spokane, Washington 99223
ATM Available
Spokane Teachers Credit Union - Headquarters
1620 North Signal Drive
Liberty Lake, Washington 99019
No ATM
Spokane Teachers Credit Union - Indian Trail Branch
8703 North Indian Trail Road
Spokane, Washington 99208
ATM Available
Spokane Teachers Credit Union - Newport Branch
202 W. Walnut Street
Newport, Washington 99156
ATM Available
Spokane Teachers Credit Union - Downtown Spokane Branch
207 North Wall Street
Spokane, Washington 99201
ATM Available
Spokane Teachers Credit Union - South Branch
820 E. 29th Avenue
Spokane, Washington 99203
ATM Available
Spokane Teachers Credit Union - Valley Branch
13501 E. Sprague Avenue
Spokane Valley, Washington 99216
ATM Available
Spokane Teachers Credit Union - University District Branch
528 E. Spokane Falls Boulevard
Spokane, Washington 99202
ATM Available
Spokane Teachers Credit Union - Argonne Home Loan Center
9207 E. Mission Avenue
Spokane Valley, Washington 99206
ATM Available
Spokane Teachers Credit Union - Downtown Coeur D'Alene Branch
401 E. Front Avenue
Suite 100
Coeur D. Alene, Idaho 83814
ATM Available
Spokane Teachers Credit Union - Airway Heights Branch
10811 W. Sunset Highway
Airway Heights, Washington 99001
ATM Available
Spokane Teachers Credit Union - Northtown Square Branch
4727 North Division Street
Suite 105
Spokane, Washington 99207
ATM Available
Spokane Teachers Credit Union - North Branch
207 E. Hastings Road
Spokane, Washington 99218
ATM Available
Spokane Teachers Credit Union - Main Branch
106 W. Nora Avenue
Spokane, Washington 99205
ATM Available
Spokane Teachers Credit Union - Cheney Branch
2718 1st Street
Cheney, Washington 99004
ATM Available
Members
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187,720 members
Membership type: State chartered natural person credit union
Above average number of members

With 187,720 members, the Spokane Teachers Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 98% of credit unions.

Fees
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$68
Average fee per member
The average fee per member at the Spokane Teachers Credit Union is $68, which is high compared to most credit unions. This rate is higher than 65% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Spokane Teachers Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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282:1
Credit union member to staff ratio
282 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
664 staff members
FTE (full-time equivalent)
3% of employees are part-time
653 full-time, 23 part-time

Spokane Teachers Credit Union has 653 full-time staff members and 23 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Spokane Teachers Credit Union has around 282 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$2,986,315,665
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$20,181
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 92% of credit unions.

Spokane Teachers Credit Union holds a total of $2,600,290,000 in loans and leases, which is about $20,181 per member on average.

Savings interest rate
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0.48%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Spokane Teachers Credit Union pays 0.48%.

Loan rates
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9.59%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.59%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.03%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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5.03%
New car loan rate
Compared to 4.0% nationally
5.96%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.89%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.15%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally