Protect your investment

No one has ever lost a penny in federally insured savings, making STCU accounts one of the safest investments around. That's a comfort to any STCU member who has worked hard to save for a down payment on a home, wedding, dream vacation, retirement, and more.

Federally insured STCU accounts include:

  • Checking
  • Savings
  • Money Markets
  • Certificates
  • Individual Retirement Accounts

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Protect up to $2.5 million

The National Credit Union Administration, a federal agency, insures deposits up to $250,000 per person per account. However, by carefully structuring your savings in multiple accounts, it's possible to increase your insurance coverage to $2.5 million! Here's how a family of four does it:

Type of STCU account Insured to this amount
 Primary account in your name  $250,000
 Separate account in spouse's name  $250,000
 Joint account shared by husband and wife  $500,000
 IRA in your name  $250,000
 IRA in spouse's name  $250,000
 Revocable trust in your name
(payable to your two children upon death)
 Revocable trust in spouse's name
(payable to your two children upon death)
 Total NCUA insurance coverage  $2.5 million

Other combinations for insuring large deposits are available under the law. More


Open account

STCU members can open new accounts right now!

  • Click the button above to log into online banking.
  • After you sign in, click the "Accounts" tab, then the "Add account" button to open a new account.
  • Click on the type of account you want.
  • Choose whether to fund your certificate from existing STCU funds or from deposits held at other financial institutions.


New to STCU?

Join STCU online and open your savings accounts. (Membership fee is waived when you join online. More)

You can also join the credit union by visiting the STCU branch location nearest you.

Need help setting up your account? Call or chat with an STCU member service representative during regular business hours.