After nearly 17 years of working for Spokane Teachers Credit Union, Steve Dahlstrom understands the local market. People here are honest folks with decent credit ratings who, by and large, pay their bills on time, the credit union CEO said. Like the rest of the nation, they could do a better job of saving. Dahlstrom estimates that 60 percent of STCU's members don't have savings accounts, adding, "It's everybody. I've got retirees who don't have a cent in savings either." To inspire members to set aside money for a rainy day, the credit union is offering a savings account that pays 6 percent interest on the first $500. It's an expensive move for a credit union, he said, but the board of directors agreed that encouraging members to plan for the future is worth the investment.