Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Spokane Teachers Federal Credit Union

Liberty Lake, WashingtonCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly service charge$5Within the typical range ($5–$17.50 nationally)

Overdraft & NSFVerified

Expedited overnight check$20Within the typical range ($7.81–$30 nationally)
$2.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=overdraft; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Expedited overnight check | $20 per item | NSF item paid fee (created by check, | $29 per overdraft item" · Source
NSF item returned$29Within the typical range ($15–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=nsf; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="NSF item returned | $29" · Source
or 3% of the amount of | Overdraft fee (Privilege pay)$29Within the typical range ($7.81–$30 nationally)
$6.50 above the national median
per day · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=overdraft; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Cash Advance Fee | Either $5 or 3% of the amount of | Overdraft fee (Privilege pay) | $29 ($174 daily limit for overdraft" · Source
per item | NSF item paid fee (created by check$29Within the typical range ($15–$30 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=nsf; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Expedited overnight check | $20 per item | NSF item paid fee (created by check, | $29 per overdraft item" · Source

ATM & CardVerified

Rush card replacement delivery$20Below the typical range ($30–$50 nationally)
$20 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=rush_card; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Rush card replacement delivery | $20 | 4 in. × 10 in. box | $60 per year" · Source

Wire TransfersVerified

Outgoing wire transfer$25Within the typical range ($20–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=wire_domestic_outgoing; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Outgoing wire transfer | $25 per transfer" · Source
Priority shipping$15Within the typical range ($10–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=wire_domestic_incoming; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Priority shipping | $15 | Incoming wire transfer | None" · Source

Check ServicesVerified

Check Cashing Fee (non-member)$5Within the typical range ($5–$25 nationally)
$4.50 below the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=check_cashing; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Check Cashing Fee (non-member) | $5 (on-us checks $50 or more)" · Source
Money Order$5Within the typical range ($1.50–$5 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=money_order; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Money Order | $5 per item" · Source
Stop payment$25Within the typical range ($20–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=stop_payment; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Stop payment | $25 per item | ACH and debit transactions)" · Source

Cash & DepositVerified

Cash Advance Fee | Either$5Within the typical range ($5–$10 nationally)
At the national median
per day · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=cash_advance; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Cash Advance Fee | Either $5 or 3% of the amount of | Overdraft fee (Privilege pay) | $29 ($174 daily limit for overdraft" · Source
Coin Counting Services | Incorrect address fee$5Within the typical range ($1.08–$25 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=coin_counting; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Coin Counting Services | Incorrect address fee | $5 per month" · Source

Account ServicesVerified

Garnishment Processing$75Within the typical range ($30–$100 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=garnishment_levy; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Garnishment Processing | $75 unless limited by state law" · Source
Notary Service$5Within the typical range ($0–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=notary_fee; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Notary Service | $5 for non-STCU documents" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Monthly service charge	$5Within the typical range ($5–$17.50 nationally)	$3.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=monthly_maintenance; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Monthly service charge \| $5 reward status: not qualified"	Source
Overdraft & NSFVerified
Expedited overnight check	$20Within the typical range ($7.81–$30 nationally)	$2.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=overdraft; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Expedited overnight check \| $20 per item \| NSF item paid fee (created by check, \| $29 per overdraft item"	Source
NSF item returned
ATM & CardVerified
Rush card replacement delivery	$20Below the typical range ($30–$50 nationally)	$20 below the national median	per year	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=rush_card; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Rush card replacement delivery \| $20 \| 4 in. × 10 in. box \| $60 per year"	Source
Wire TransfersVerified
Outgoing wire transfer	$25Within the typical range ($20–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=wire_domestic_outgoing; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Outgoing wire transfer \| $25 per transfer"	Source
Priority shipping
Check ServicesVerified
Check Cashing Fee (non-member)	$5Within the typical range ($5–$25 nationally)	$4.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=check_cashing; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Check Cashing Fee (non-member) \| $5 (on-us checks $50 or more)"	Source
Money Order
Cash & DepositVerified
Cash Advance Fee \| Either	$5Within the typical range ($5–$10 nationally)	At the national median	per day	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=cash_advance; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Cash Advance Fee \| Either $5 or 3% of the amount of \| Overdraft fee (Privilege pay) \| $29 ($174 daily limit for overdraft"	Source
Coin Counting Services \| Incorrect address fee
Account ServicesVerified
Garnishment Processing	$75Within the typical range ($30–$100 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2552. canonical_hint=garnishment_levy; text_hash=dfd242c35c819ad7ece4bfa2edeb5f0433b9fcdebe713b9bc59b47ce219e61d8; excerpt="Garnishment Processing \| $75 unless limited by state law"	Source
Notary Service	$5

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$20

Overdraft fee: $20

11% below the national median overdraft fee

Total fees: 15 — leaner than most institutions

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$6.4B

Total deposits

$5.4B

Service charge income (year to date)

$14.5M

Fee income ratio

7.0%

Return on assets

0.67%

Financial profile · Pro

Spokane Teachers Federal Credit Union

Published fees

Get an email when Spokane Teachers Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings