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.

For further consideration, here is the precise analysis depicted below on STCU CD rates.

STCU CD Rates Offers

The most functional CD rates offers are;

6- to 12-Month Certificate

  • Minimum Opening Deposit: $500
  • Early Withdrawal Penalty: 90 days’ dividends
  • Dividend Rate/Annual Percentage Yield: 3.50% / 3.56%


  • Ideal for short-term savings goals.
  • Monthly compounding maximizes interest.

Pros & Cons

Ideal for short-term savings goalsEarly withdrawal penalty of 90 days’ dividends
Monthly compounding for max interestLimited balance range information

12- to 24-Month Certificate

  • Minimum Opening Deposit: $500
  • Early Withdrawal Penalty: 180 days’ dividends
  • Dividend Rate/Annual Percentage Yield: 4.00% / 4.07%


  • Suited for mid-term savings objectives.
  • Monthly compounding for optimal returns.

Pros & Cons

No specific information on the balance rangeNo specific information on balance range

24- to 36-Month Certificate

  • Minimum Opening Deposit: $500
  • Early Withdrawal Penalty: 180 days’ dividends
  • Dividend Rate/Annual Percentage Yield: 0.25% / 0.25%


  • Automatic renewal streamlines the investment process.
  • Additional deposits are permitted for added flexibility.

Pros & Cons

Monthly compounding for consistencyEarly withdrawal penalties apply

Are STCU CD Rates Competitive?

STCU’s Certificate of Deposit rates demonstrate competitiveness, particularly in the 6- to 12-month and 12- to 24-month terms, with APYs of 3.56% and 4.07% respectively.

These rates are notably higher than the industry average, making these short to mid-term certificates an attractive option for individuals seeking competitive returns on their savings.

The 24- to 36-month CD, while providing a longer investment horizon, offers a lower interest rate at 0.25% with an annual percentage yield of 0.25%.

Despite the decrease, the rates are still within the realm of industry standards for longer-term certificates.

STCU’s allowance for additional deposits and the automatic renewal feature further enhance the appeal of these CDs, providing flexibility and ease of reinvestment. While the rates in the longer term may not be as high, the overall CD offerings from STCU demonstrate a commitment to competitiveness in the market, offering a range of options to cater to varying savings goals.

Overview STCU 

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.


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.

Locations STCU

Branches in Washington 

The branches in Washington are:

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 

The branches in Idaho are:

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

Frequently Asked Questions 

How often is the dividend period for STCU’s Certificates of Deposit?

The dividend period for STCU’s CDs is monthly. This means that interest is calculated and credited to the account every month.

Can I opt not to renew my STCU CD automatically?

STCU’s CDs renew automatically. However, account holders may want to check with the institution directly for options regarding manual renewal or changes to renewal preferences.

How is the interest in STCU’s 24- to 36-month CD compared to the shorter-term CDs?

The interest rate on the 24- to 36-month CD is lower at 0.25% with an annual percentage yield of 0.25%. While this rate is lower than the shorter-term CDs, it still falls within industry standards for longer-term certificates. Investors should consider their goals and time horizon when choosing a CD term.

How often are dividends compounded and credited on STCU’s CDs?

Dividends on STCU’s CDs are compounded and credited monthly, ensuring a consistent and regular return on your investment.

Can I make additional deposits into my STCU CD after the initial opening?

Yes, STCU allows additional deposits into their CDs. This feature provides flexibility for account holders to contribute more funds during the certificate term.