Spokane Teachers Credit Union
Spokane Teachers Credit Union — Flexible auto financing with terms reaching up to 96 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Spokane Teachers Credit Union does not publish this on their public site. "No restriction" means Spokane Teachers Credit Union explicitly states no limit.
Overview
Spokane Teachers Credit Union (STCU) provides auto loan refinancing for vehicles seven model years and newer. You can access rates as low as 4.74% APR, effective as of October 2026, which includes a 0.25% discount for maintaining an STCU credit card in good standing.…
What’s great
- Extended terms available up to 96 months
- Rate discounts for credit card holders and reward checking members
- Financing available for up to 100% of vehicle value
What to know
- Refinancing existing STCU loans incurs a refinance fee of 1% or a flat minimum, whichever is greater
- Maximum 72-month term required for the lowest advertised rates
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 4.74% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 96 months |
| States served | Not disclosed |
| Membership requirement | You live, work, worship, or attend college in Washington state, North Idaho, or Eastern Oregon. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Spokane Teachers Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Spokane Teachers Credit Union before applying.
- [1]Auto loans | STCU — 4.74% APR effective Oct 2026 — STCUhttps://stcu.org/personal/loans/autoLast checked: October 2026
- [2]Vehicle loan Rates — effective Oct 4, 2026 — STCUhttps://stcu.org/rates/showpdf?pdfName=Auto+loan.pdfLast checked: October 2026