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Spokane Teachers Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

Spokane Teachers Credit Union auto loans overview

Spokane Teachers Credit Union logo

Spokane Teachers Credit Union (STCU) was formed in 1934 and now has over 30 locations across Washington and Idaho. STCU provides flexible auto loans with great rates and payment options. Besides cars, trucks, and SUVs, STCU members can also secure loans for a range of recreational vehicles – motorcycles, boats, travel trailers, snowmobiles, and more.

Want to see what an STCU auto loan will cost? Try the Spokane Teachers Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Spokane Teachers Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100% financing.
  • Interest rates: From 7.24% APR.
  • Loan terms: Up to 96 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates for STCU credit card holders.

SPOKANE TEACHERS CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Spokane Teachers Credit Union offers auto loans and refinancing options with great rates and extended terms. You can secure a car, truck, or SUV starting at 7.24% APR and choose repayment periods of up to 96 months. Plus, you can finance up to 100% if you’re a qualified borrower.

Recreational vehicle loans

If you’re looking for more adventure, you can borrow up to 100% to fund recreational vehicles. With RV loans, you can finance motorhomes, boats, travel trailers, snowmobiles, motorcycles, campers, personal watercraft, and ATVs. Interest rates begin as low as 7.74% APR, and you can stretch your term for up to 180 months.

Spokane Teachers Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Spokane Teachers Credit Union

Spokane Teachers Credit Union auto loan

Spokane Teachers Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Spokane Teachers Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Spokane Teachers Credit Union auto loan

Eligibility criteria

Even if STCU doesn’t disclose the requirements, you should normally be:

  • An STCU member
  • At least 18 years old
  • A legal resident
  • Employed or have a steady source of income

Aside from the basic criteria, it will also be beneficial to check your credit score. Remember that credit unions may base your rates and terms on your creditworthiness. So, building your credit profile can help you get lower rates and monthly payments.

How to join STCU

To join STCU and qualify for credit, you should meet one of the following criteria:

  • Live, work, or worship in Washington or North Idaho
  • A relative of an STCU member
  • Attend college in Washington or North Idaho
  • Work for an STCU Community Business Partner
  • A member of a qualified association or organization

What you’ll need to have ready

Personal details

When you apply for auto financing with Spokane Teachers Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide STCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It helps to have a grasp of the loan application process, too. Familiarizing yourself with the steps can make your application easier and faster. Moreover, you can make guided decisions about your vehicle, so you can settle with a loan you can comfortably manage.

Ways to apply for an STCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (509) 326-1954

Additional Spokane Teachers Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but approval of loans may take a business day or more based on your application.
  • Rate discounts: 0.25% discount for having an STCU Credit Card in good standing.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Automatic payment, online banking, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Extended loan terms.
  • Up to 100% financing.
  • 0.25% discount for members with STCU Credit Cards in good standing.
  • No down payment for most loans.
  • Co-applicants allowed.
  • Purchase and refinance available.
  • Convenient online application.
  • Pre-approval offered.
  • Easy payment options – auto transfers, online banking, in a branch, and by mail.

Cons

  • Credit union membership required.
  • Loan fees undisclosed.
  • 1% refinance fee or $100 (whichever is greater) when refinancing existing STCU loans.

FREQUENTLY ASKED QUESTIONS

Are Spokane Teachers Credit Union car loan interest rates fixed or variable?

STCU’s loans have fixed interest rates, so you can easily plan your monthly budget.

How much interest does STCU charge on car loans?

Rates for seven model years and newer cars, trucks, and SUVs start as low as 7.24% APR.

What is the maximum length of a Spokane Teachers Credit Union car loan?

You can extend your repayment period for up to 96 months.

Are there discounts available on STCU vehicle financing?

STCU offers 0.25% discounts on loans for members with STCU Credit Cards that are in good standing.

Does STCU refinance auto loans?

Yes. You can transfer your current vehicle loan to STCU. But if you’re refinancing an existing STCU auto loan, you need to pay a 1% refinance fee or $100 (whichever is higher).

How do I make payments for my Spokane Teachers Credit Union vehicle loan?

You can make monthly payments for your STCU loan through automatic transfers, online banking, a branch, and mail.

How many pay slips does STCU require during my auto loan application?

While the credit union doesn’t list the exact requirements for a car loan, you usually need your 2 most recent pay stubs.

Video: John Nordine – STCU: The best of both worlds

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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