Some things just go together

Like STCU and you. Join us!

STCU is a local, not-for-profit credit union of members who reflect the values of your community. We wouldn't be the same without you as a member!

It's easy to become a member, and most people qualify (see "Can I join STCU?" eligibility description to the right).




Click the "Join now" button to get started right now with your online application. When you join online, we waive the standard $10 membership fee!

Your membership application will take just minutes to complete, as you carefully provide us with information needed to securely verify your identity and automatically set up your First5 Savings Account, with no deposit required.

(What's a First5? It's our most popular savings account among members. We call it First5 because the first $500 you save earns a whopping 5.09% APY -- the kind of saving dividend your grandparents used to earn back in the day.*)


Tune in: 'Things that go together'

Turn on your speakers, and click on any of radio spots listed below for a 30-second radio announcement about "Things that go together:"

  1. The peanut butter to your jelly
  2. The surf to your sand
  3. The wristband to your concert
  4. STCU cares I
  5. STCU cares II

Download the mobile app

Once you're approved for membership, we recommend you register for free online banking. Then download the free mobile app onto your device for secure, 24-hour access to your accounts from anywhere on earth that has a wireless signal or Internet connection.

Learn more

Get the background story on STCU or feel free to contact a member service representative with your questions using LiveChat during business hours.

If you prefer to apply in person, STCU membership is also available at any of our branch locations. We'll be glad to help!

Our awesome president/CEO
5 reasons we're strong
"Do I have to be a teacher to join"... and other questions


*APY= Fancy abbreviation for "annual percentage yield." The 5.09% APY is accurate as of the last dividend declaration date and may change after the account is opened. The APY applies to the first $500 deposited in an STCU First5 account. Balances above $500 earn 0.15% APY. There is no minimum balance required to earn the APY, but only one First5 account is allowed per member. Fees could reduce earnings. Too much fine print could reduce eyesight.

Government required ID and verification for opening new accounts

To help the government fight the funding of terrorism and money laundering activities, federal law requires STCU and all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

That's why, when you open an account at the credit union, we will ask for your name, address, date of birth, and other information that allows us to properly identify you. We may also ask to see or request a copy of your driver's license or other identifying documents.

Thanks for understanding!

Can I join STCU?

If you live, work, worship, or go to school in the state of Washington or North Idaho (Benewah, Bonner, Boundary, Kootenai, Latah, or Shoshone counties), you are eligible to join the credit union. Click the "Join now!" button to get started.

Other membership questions

Online member benefits