--- title: "Spokane Teachers Credit Union Rates: CDs to 2.75%, Personal 3.25%" description: "Spokane Teachers Credit Union has the lowest tracked personal loan rate in Washington (3.25% APR) among 35 credit unions we verify. Spokane Teachers Credit Union rates today: savings & CDs up to 2.75% APY, personal loans from 3.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Spokane Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/spokane-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Spokane Teachers Credit Union Rates: CDs to 2.75%, Personal 3.25% ### Mortgage rates 12 offers | Product | Published | Rate | Term / condition | Status | | **USDA 30-Year Fixed** 30 year fixed | — APR | 6.500% | — | Standard | | **30-Year Fixed, Construction** 30 year fixed | — APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.125% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | — APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **5/6 ARM** 5 1 arm | — APR | 6.250% | — | Standard | | **20-Year Fixed W/10-Year Balloon** 20 year fixed | — APR | 6.500% | — | Standard | | **7/6 ARM** 7 1 arm | — APR | 6.500% | — | Standard | | **5/5 ARM** 5 5 arm | — APR | 6.785% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.875% | — | Standard | | **Jumbo 5/5 ARM** 5 5 arm | — APR | 7.000% | — | Standard | | **ARM, Construction** arm | — APR | 7.125% | — | Standard | Spokane Teachers Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto/truck loan** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **120-Month RV Loan** rv_any_120mo | — APR | 6.740% | 120 mo | Standard | Spokane Teachers Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed annual percentage rate** heloc_fixed | — APR | 6.740% | — | Standard | | **Variable annual percentage rate** heloc_variable | — APR | 7.740% | — | Standard | Spokane Teachers Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 3.250% APR | 3.250% | — | Standard | | **Credit Fit Loan** personal | 5.250% APR | 5.250% | — | Standard | | **Certificate-Secured Loan** personal_secured | 6.000% APR | 6.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 11.240% APR | 11.240% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 11.990% | — | Standard | | **Budget Fit Loan** personal | 18.000% APR | 18.000% | — | Standard | Spokane Teachers Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 32 offers | Product | Published | Rate | Term / condition | Status | | **Dividend rate / Annual percentage yield** savings | 0.01% APY | 0.01% | — | Standard | | **Under $5,000.01** savings | 0.01% APY | 0.01% | — | Standard | | **$5,000.01 To $10,000.00** savings | 0.10% APY | 0.10% | — | Standard | | **$10,000.01 To $25,000.00** savings | 0.10% APY | 0.10% | — | Standard | | **$25,000.01 To $50,000.00** savings | 0.25% APY | 0.25% | — | Standard | | **$50,000.01 To $75,000.00** savings | 0.25% APY | 0.25% | — | Standard | | **$75,000.01 To $100,000.00** savings | 0.25% APY | 0.25% | — | Standard | | **$500.00 To $1,999.99** savings | — APY | 0.25% | — | Standard | | **$100,000.01 Or More** savings | 0.50% APY | 0.50% | — | Standard | | **$2,500.00 To $9,999.99** savings | — APY | 1.00% | — | Standard | | **$10,000.00 To $24,999.99** savings | — APY | 1.00% | — | Standard | | **Under $2,500.00** savings | — APY | 1.00% | — | Standard | | **$25,000.00 To $49,999.99** savings | — APY | 1.25% | — | Standard | | **$50,000.00 To $74,999.99** savings | — APY | 1.50% | — | Standard | | **$75,000.00 To $99,999.99** savings | — APY | 1.75% | — | Standard | | **$100,000.00 To $149,999.99** savings | — APY | 2.00% | — | Standard | | **$150,000.00 To $199,999.99** savings | — APY | 2.25% | — | Standard | | **$2,000.00 To $9,999.99** savings | — APY | 2.25% | — | Standard | | **$100,000.00 Or More** savings | — APY | 2.25% | — | Standard | | **$200,000.00 To $249,999.99** savings | — APY | 2.25% | — | Standard | | **$50,000.00 To $99,999.99** savings | — APY | 2.25% | — | Standard | | **$400,000.00 To $499,999.99** savings | — APY | 2.50% | — | Standard | | **$250,000.00 To $299,999.99** savings | — APY | 2.50% | — | Standard | | **$300,000.00 To $399,999.99** savings | — APY | 2.50% | — | Standard | | **$5,000,000.00 Or More** savings | — APY | 2.75% | — | Standard | | **$1,000,000.00 To $1,499,999.99** savings | — APY | 2.75% | — | Standard | | **$1,500,000.00 To $1,999,999.99** savings | 2.75% APY | 2.75% | — | Standard | | **$2,000,000.00 To $2,999,999.99** savings | 2.75% APY | 2.75% | — | Standard | | **$3,000,000.00 To $3,999,999.99** savings | 2.75% APY | 2.75% | — | Standard | | **$4,000,000.00 To $4,999,999.99** savings | 2.75% APY | 2.75% | — | Standard | | **$500,000.00 To $749,999.99** savings | — APY | 2.75% | — | Standard | | **$750,000.00 To $999,999.99** savings | — APY | 2.75% | — | Standard | Spokane Teachers Credit Union savings & cd rates as of November 12, 2026 Personal loan rates from 3.25% APR. Savings and certificate yields up to 2.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/spokane-teachers) , verified from [Spokane Teachers Credit Union's official website](https://stcu.org/) Best product position **#1 of 35** personal loan Gap to state best **0 bp** State market leader Vs. state median **669 bp better than median** personal loan Products ranked **1** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 3.25% | #1 of 35 · lowest in Washington | State market leader | 669 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Spokane Teachers Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=spokane-teachers&state=washington&code=WA&name=Spokane%20Teachers%20Credit%20Union) Loading branch locator… ## About Spokane Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 310.6K Assets $6.4B Founded 1934 Locations reported 55 NCUA charter 68203 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Valley Educators** CU NORTHWEST · LIBERTY LAKE · WA · 99019 About 2.5 miles away](https://rateapi.dev/credit-unions/colorado/valley-educators) [**Calcoe** CU*Northwest · Liberty Lake · WA · 99019-7613 About 2.7 miles away](https://rateapi.dev/credit-unions/washington/calcoe) [**Delta Schools** CU*Northwest · Liberty Lake · WA · 99016 About 2.7 miles away](https://rateapi.dev/credit-unions/california/delta-schools) [**Northwestern Energy Employees** CU*Northwest · Liberty Lake · WA · 99019 About 2.7 miles away](https://rateapi.dev/credit-unions/montana/northwestern-energy-employees) [**Rolling F** CU NorthWest Emergency · Liberty Lake · WA · 99019-7613 About 2.7 miles away](https://rateapi.dev/credit-unions/california/rolling-f) [**Slo** CU*NORTHWEST · Liberty Lake · WA · 99019-7613 About 2.7 miles away](https://rateapi.dev/credit-unions/california/slo) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Spokane Teachers Credit Union Membership eligibility from Spokane Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Spokane Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Spokane Teachers Credit Union's membership page](https://stcu.org/) . Final membership determination is always made by the credit union. ## Work at Spokane Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Spokane Teachers Credit Union ranks against Washington peers. - See which AI assistants fetched Spokane Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=spokane-teachers&state=washington&code=WA&name=Spokane%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Spokane Teachers Credit Union offer? Spokane Teachers Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Spokane Teachers Credit Union rates updated? RateAPI verifies Spokane Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Spokane Teachers Credit Union's rate data? Rate data is collected directly from Spokane Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Spokane Teachers Credit Union's personal loan rate? As of November 12, 2026, Spokane Teachers Credit Union offers personal loans from 3.25% APR. ### What is Spokane Teachers Credit Union's best CD rate? As of November 12, 2026, Spokane Teachers Credit Union offers savings and certificate (CD) yields up to 2.75% APY. ### Who can join Spokane Teachers Credit Union? Spokane Teachers Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Spokane Teachers Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington mortgage rate leaders](https://rateapi.dev/mortgage-rates/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington HELOC rate leaders](https://rateapi.dev/heloc-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://stcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Spokane Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Washington credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Spokane Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/washington /spokane-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Spokane Teachers Credit Union locations Search, filter, and browse all 55 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/washington/spokane-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp