Spokane Teachers Federal Credit Union

Headquarters: Liberty Lake, Washington
Charter: Credit Union
Assets: $6.4B
Fed district: San Francisco

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Spokane Teachers Federal Credit Union: $5
Spokane Teachers Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Spokane Teachers Federal Credit Union: $29
Spokane Teachers Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Spokane Teachers Federal Credit Union: $29
Spokane Teachers Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Spokane Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Incorrect address fee$5
per month

Overdraft & NSF

NSF item paid fee$29
per item
Overdraft fee (Privilege pay)$29
NSF item returned$29

ATM & Card

Card replacement$5
Rush card replacement delivery$20
Foreign transaction fee (audience not stated, treated as personal)2%of the transaction
per year

Wire Transfers

Outgoing wire transfer$25
per item
Incoming wire transferNo charge

Check Services

Money Order$5
per item
Stop payment$25
per item
Check Cashing Fee (non-member)$5

Cash & Deposit

Cash Advance Fee$5

Account Services

Notary Service$5
Garnishment Processing$75

Retirement & IRA

IRA Outgoing Transfer$20

Other Fees

Loan Payment by Debit Card$10
Skip payment$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Incorrect address fee	$5	per month	None
Overdraft & NSF
NSF item paid fee	$29	per item	None
Overdraft fee (Privilege pay)	$29	Not stated	None
NSF item returned	$29	Not stated	None
ATM & Card
Card replacement	$5	Not stated	None
Rush card replacement delivery	$20	Not stated	None
Foreign transaction fee (audience not stated, treated as personal)	2%of the transaction	per year	None
Wire Transfers
Outgoing wire transfer	$25	per item	None
Incoming wire transfer	No charge	Not stated	None
Check Services
Money Order	$5	per item	None
Stop payment	$25	per item	None
Check Cashing Fee (non-member)	$5	Not stated	None
Cash & Deposit
Cash Advance Fee	$5	Not stated	None
Account Services
Notary Service	$5	Not stated	None
Garnishment Processing	$75	Not stated	None
Retirement & IRA
IRA Outgoing Transfer	$20	Not stated	None
Other Fees
Loan Payment by Debit Card	$10	Not stated	None
Skip payment	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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