Deal Summary

24 and 36-month certificates with APY rates up to 0.65%, minimum deposits as low as $500, premium rates go up to 1.05%, dividends paid monthly, options to make further deposits to certain CD’s before maturity

STCU Bank and Trust’s Top CD Rates

The top CD rate at STCU is 1.00% for a 5-year certificate with a minimum balance of $2,000.

CD rates at STCU for 24 and 36-month terms have an APY of up to 0.65%. You have the option to choose your own term between 1-month and 5-years.

You can make further deposits to most CD’s monthly to accelerate the interest-earning potential of the CD. They allow you to bump your APY rate up every 18-months with an STCU “bump-rate certificate” with a qualifying minimum deposit.

Special certificates have some of the highest APY rates at the credit union, but require higher deposits (starting at $2,000) to receive the top rates. The best CD rate is for premium 30-month certificates which yield 1.05% APY. The premium rate requires a $25,000 minimum balance with no additional deposits allowed.

Standard CD’s with a balance of between $500-$1,999 receive an APY fixed rate of 0.25% for all terms. Deposits over $2,000 receive higher rates between 0.35% and 0.90% based on the length of the term.

Dividends for interest bearing CD’s are compounded and paid out monthly. Withdrawals before the maturity of the CD will be subject to applicable penalties which may affect overall earnings. Additional deposits can also be made monthly.


To qualify for the top CD rates at STCU you will first need to become a member. It is easy to sign up for an account through their online portal by scanning your government issued ID on your mobile device. You must live or work in their service area to join.

Branches in Washington 

Airway Heights, Spokane Valley, Ponderay, Cheney, Kennewick, Spokane, Coulee, Deer Park, Liberty Lake, Medical Lake, Newport, Othello, Pasco, Richland, Ritzville, Nine Mile Falls, Richland

Branches in Idaho 

Coeur D’Alene, Post Falls, Rathdrum, Sandpoint, Dalton Gardens

Bank Overview

STCU is a non profit financial institution that was first established to serve Spokane and the surrounding community in 1934. Not only do you get a free purple pen when you sign up for a new membership, but you are a partial owner of the credit union and get treated as such. They offer incentives for new memberships such as $50 bonuses for referrals.

It is a locally based credit union that is focused on education. Those employed as educators can join the credit union free of charge. All members have little to no fees. They make their members feel like family with perks such as free cookies for members on payday. STCU has a great online banking portal as well as a user-friendly mobile app.

They are based in Washington, but also offer services and home loans to areas of Idaho and Oregon. STCU is a supporter of the arts and education. One of the many benefits of joining the credit union is discounts on shows and films. They provide comprehensive saving, investing, and lending financial services with a multitude of perks.