Serving our members and the community.
We continue to maintain full services at many of our branch locations in the Spokane region, North Idaho, and the Tri-Cities.
While we have shifted resources and implemented some restrictions, drive-through lanes are open at most locations and all external ATMs are open.
Before visiting any STCU location, please visit our locations page to check hours for your branch or ATM.
Please remember that STCU is limiting the number of members in some branch lobbies at any given time. That number will vary depending on branch size as we make every effort to protect members and staff. Thank you for your cooperation!
For those who need it, we're offering to defer your next two eligible consumer loan (auto, RV, personal) payments, with no fee. You can take advantage of this offer right now by logging into online banking and choosing the "defer a loan payment" option in Self-service.
If you experience a hardship and need assistance with your mortgage, home equity loan, or credit card, call us at (509) 755-7930 for available options.
We know you have questions about the comprehensive stimulus package that was recently passed by Congress in response to the coronavirus outbreak. As much as we'd love to provide answers, everything we know is in this IRS press release from March 30.
If you qualify for a stimulus check and had your 2018 or 2019 tax return direct deposited into an STCU account, then that is where your stimulus will be deposited by the IRS. If your return wasn't direct-deposited, the IRS will provide an opportunity for you to provide that information to them. Otherwise, you'll receive a check by mail.
In addition to the press release, the IRS has also established a coronavirus information page on its website, and is suggesting taxpayers check that site often for updates.
Manage your money from home.
As much as we love seeing you — it's often the best part of our day! — we understand if you are reluctant at this time to go out in public. We're happy to provide easy-to-use options for safe and convenient access to your accounts 24 hours a day:
Online banking and mobile app.
To provide safe social distancing for staff and members, we offer multiple options for banking from home including online banking, our mobile app, and telephone banking.
- Check balances
- Pay bills
- Make transfers
- Deposit checks
- View statements
- Open accounts
- Send us a secure message
- App users can also deposit checks from home with our mobile deposit feature.
With telephone banking you can:
- Check your balances
- Transfer funds
- Search for cleared checks and deposits
- And more!
The credit union is one of the best places around to keep your money. Remember, all deposits at STCU are federally insured up to $250,000 per account by NCUA, and continue to earn dividends regardless of public health concerns or Wall Street panic. Learn how members can insure 10 times as much!
Should I withdraw extra cash?
Some people say you should withdraw cash to protect yourself during the coronavirus outbreak. We wonder, why? Here are four reasons withdrawing extra cash may actually be your worst possible move right now:
Cash is vulnerable. Credit union accounts are federally insured to $250,000, making them a gazillion times safer than keeping your money under the mattress or in your pocket. If your cash is stolen from your house, car, or wallet, you're out of luck, whereas losses from a stolen debit or credit card often are reimbursed. Since 1934, no one has ever lost a dime in savings at STCU or any other federally insured credit union.
Cash is not required. With so many secure ways to access your accounts and to pay your bills, there’s almost no reason you’ll need extra cash. The safest choice is to let your credit union keep your money safe in the vault, then pay with your convenient debit or credit card, or write a check, at the store. Plus, you can pay bills and loans online from your credit union account, or use the credit union's mobile app to deposit checks from home.
Cash is tempting. With restaurants, conventions, sports and entertainment centers, and other public places forced to close during the coronavirus outbreak, you may actually need less cash at this time. Unless, of course, you've got it stuffed in your wallet, tempting you to spend money you would not have spent if it were secure in the bank, earning dividends.
Cash is, well, kind of dirty. As regards your personal health, the Centers for Disease Control and Prevention recommends always washing hands thoroughly after handling cash, because you never know where it's been. It's a good idea to keep a few dollars on hand for parking meters, yard sales, and so on. But carrying around your personal savings will not protect you from viruses or financial hardship.
Health and safety.
With the current stay home, stay healthy order from Gov. Inslee, STCU is considered an "essential critical infrastructure". Many of our employees are now working from home, but many are also essential to serving our members and are reporting to work.
We are following the CDC guidelines for preventing the spread of illness (wash hands for 20 seconds, often; don't touch your face; cover your cough) and our branches are receiving extra sterilization and hand sanitizer. We're also sterilizing back office areas for employees and increasing our orders of soap, paper towels, and sanitizers.
"Our first concern is the health and safety of our staff and members," said Ezra Eckhardt, STCU president and CEO. "With this plan, and the flexibility to make changes as needed, we're confident we can meet our members' needs."
Scam artists often prey on unsuspecting victims during emergencies. Protect yourself from scams by following the advice on the STCU money blog.
The Federal Trade Commission to be wary of medical breakthrough claims related to coronavirus, or requests for donations. The U.S. Securities and Exchange Commission warns about supposed investment opportunities related to the outbreak. And the World Health Organization warns that criminals are phishing for personal data by posing as WHO representatives.
Reach out from home.
For your convenience, we offer multiple ways to get in touch with STCU. If you need help with anything you can:
Looking for business resources? Visit our coronavirus business resources page.