Join us!

Apply online and your membership fee is waived

It's easy to join STCU. Click the "Join now" button below to get started. STCU's standard $10 membership fee is waived when you join online!

Your membership application will take just minutes to complete, as you carefully provide us with information needed to securely verify your identity. 

When finished, STCU automatically opens a First5 Savings Account for every new member. No deposit is required, though the sooner you add funds to your account, the sooner you'll begin to earn a whopping 5.09% APY.*


If approved for membership, consider registering for online banking, with free billpay, mobile banking, and online opening of new accounts

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

*APY= 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 first $500 deposited in an STCU First5 account, with balances above $500 earning 0.15% APY. No minimum balance required to earn the APY. One First5 account per member. Fees could reduce earnings. Too much fine print could reduce eyesight. 

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, federal law requires 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, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see or request a copy of your driver's license or other identifying documents.

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