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Spokane City

PO Box 9639, Spokane, WA 99209
NCUA Insured4.0 (32 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 9639

Spokane, WA 99209

Service Area

This credit union is located in Spokane and serves members in the WA area. Currently serving 4,312 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.95%

Used Auto Loan

5.90%

Personal Loan

10.68%

Credit Card APR

9.20%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WA

Lowest rates currently reported by credit unions in WA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.0

32 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Chentel Adams

Chentel Adams

4 years ago

I’ve been going to Spokane City Credit Union since I was a young girl. My whole family banked here forever if that tells you anything!:) Everyone who works here feels like family as most of them have been here forever, so in my mind, they must be doing something right to have little to no turnover and get to see the same smiling faces when I stop by. Their online banking is great! They take good care of their customers and I couldn’t say enough good things about this establishment! Great rates too!:) I would recommend then any day over a large banking institution! Credit unions is where it’s at!

Brittany Aguayo

Brittany Aguayo

2 years ago

Didnt realize when you get cash from there atm they wont break it down to ones for you unless your a member. crazy ... like the bank cant tell if the cash (from their ATM) is real or not. but i do recall not choosing this bank because of the negative reviews. now i get it. policy or not its the lack of any genuine customer service.

WoofWoof World

WoofWoof World

6 years ago

Teeny and best credit union with the lowest loan rates. I have gotten 2 loans here in the last 2 years. They finance motorcycles. Yay. I am a fan of the "i own it" aspect of non profit credit unions. The building is pretty cool and it is in an old and pretty funky fun Spokane neighborhood. I like the vibe. I love the nice people. But most of all because I'm a cheapskate, I like the rates. Note: to join a credit union i needed a credit score at 650 or better and no unpaid collections, because it is an actual membership not just an account like at a for profit bank. 650 is hardly perfect credit, over 800 is. I like to be part of something that i own and that saves me money

Ted VanDyke

Ted VanDyke

3 years ago

Best credit union/bank in Spokane! Hands down!!! They have saved me a ton of money on my loans, and they make financing or refinancing anything a breeze! The staff is awesome! I will never bank anywhere else!

Kevin Harnish

Kevin Harnish

7 years ago

This is a solid, small town financial institution. The tellers will greet you by name once they get to know you. They aren’t fancy, big or complicated. Mobile banking is clunky but functional. They tend to be conservative when it comes to underwriting loans. They only have one location and two ATMs I think. Overall, if you want a big box bank experience and the gadgets and flashy tools that go along, this isn’t the place. If you, like me, want a simple, straightforward banking relationship for the long term, I can’t think of a better place in Spokane.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).