STCU credit cards

Get 0% intro APR for six months!

Open your STCU credit card today and enjoy 0% APR on everything you buy during the next seven billing cycles (that's at least six months).

There is no catch to this deal. Just genuine member benefits!

You can even move existing balances from non-STCU cards and loans to lower your cost of old debt. Open your STCU credit card and get 1.9% APR on your balance transfer for a year. With no balance transfer fee!

NOTE: This introductory rate is available to our members who do not yet have an STCU credit card. Standard purchase rates will apply to your remaining balance after the introductory periods ends. See our highly competitive rates!

No-fee balance transfers as low as 5.9% APR.

Move your high-cost loans and credit card balances to your STCU credit card by September 30, 2015, and reduce your cost of debt to as low as 5.9% APR until September 2016. With no balance transfer fee! Ask us how to make the move to lower your cost of debt by chat, call (800) 858-3750, or visit any branch location.

Passport Unlimited

Just when you thought this deal couldn't get any better, every STCU credit card comes with Passport Unlimited® instant savings built right in.

Passport Unlimited is an exclusive deal offered by no other financial institution in the Inland Northwest. Pay with your STCU credit card, you can get up to 50% off, or complimentary second entree, at hundreds of local, regional, and national participating restaurants, merchants, and online stores -- instantly! There's no annual fee, no secret handshake, and no limit on how many times you can cash in on the Passport Unlimited discount.

Print out a current list of participating Passport Unlimited merchants.

Other credit card benefits and features

Low interest rates. Your STCU credit card rate will depend on your creditworthiness, but may be several percentage points lower than the competition.

Transfer high-cost balances and save.  Lower your cost of debt today! Return this completed form to STCU and transfer your high-cost, non-STCU balances to an STCU credit card! 

STCU credit card features
Credit line no minimum
Current annual percentage rate (APR) click here
24-hour telephone banking access Yes
24-hour cash machine access Yes
Free traveler's insurance Yes
Auto rental insurance Yes
Automatic overdraft protection Yes
Personal identity theft protection Yes
Cardholder inquiry service Yes
Travel assistance services Yes
Emergency card replacement service Yes
Annual fee No

Cash advances. Access your available credit with a cash advance from STCU branch locations or ATMs that accept major credit cards worldwide. You can also call STCU's 24-hour telephone banking or use STCU's online banking to transfer an advance right into your checking account. (Subject to cash advance fee.)

Rental car insurance waiver. With your STCU credit card, you have access to auto rental collision damage waiver benefits and emergency services.

ID theft protection. Every STCU credit card covers personal identity theft expenses at no charge to you!

Verified by Visa. Verified by Visa is a free security service for STCU members. It ensures that only you can use your STCU credit or debit card for online purchases at a growing number of participating merchants. Click one of the following to register:

Get your STCU credit card verified
Get your STCU debit card verified

Store coupons. Get discount coupons from dozens of merchants before shopping with your STCU credit card. Click here to view the current offers, or check back later for more savings.*

Avoid overdrawn balances.  Set your credit card as automatic overdraft protection for your STCU checking account

Apply online, activate your card

Apply online or call the 24-hour lending center at (509) 326-1954 or (800) 858-3750.

Activate your STCU credit card by calling (888) 691-8661 in the United States or (515) 457-2085 internationally.

Report a lost or stolen card

To report a lost or stolen STCU credit card, call the credit union immediately at (800) 858-3750. After hours, call (800) 234-5354 in the United States or (410) 581-9994 internationally.

*The products and services offered through Passport Unlimited are not endorsed or vouched for by STCU. STCU accepts no liability in connection with their use. List of participating Passport Unlimited merchants changes monthly.

How 0% APR intro works

  1. APR is your annual percentage rate.
  2. 0% APR applies to new purchases made during the first 7 billing cycles from the account opening date.
  3. After the intro rate period ends, your APR will be 8.9%, 10.9%, or 13.9% APR, depending on your creditworthiness.
STCU credit card rates

Fraud protection

Fraud monitoring

For your protection, STCU's fraud monitoring service may call you if unauthorized use of your credit or debit cards is detected. Fraud monitoring calls originate only from one of these two numbers: (888) 241-2440 and (866) 499-3559.

STCU card disclosures/benefits