Membership is open to those "live, work, worship, or attend school" in Washington state, or counties in northern Idaho.

In 2010, the company updated its online banking system with features such as account alerts, secure messaging, and external transfers.

Members pay no fees to use nearly 30,000 ATMs worldwide affiliated with the Co-Op Network of credit unions.

[9] On August 13, 2024, STCU announced plans to acquire all the assets and liabilities of the Oregon-based Community Bank pending regulatory and shareholder approval.

[14] Johnson has said that STCU's long-term planning is guided by three core values: growth in market share, customer service, and efficiency.