What are the current interest rates at Cashmere Valley Bank?

Current rates for Cashmere Valley Bank include: 12-Month CD: 3.44%, 18-Month CD: 2.63%, 24-Month CD: 2.27%, 36-Month CD: 2.17%, 48-Month CD: 2.47%, Savings: 1.82%

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Cashmere Valley Bank Rates & Review October 2026

Q: How many branches does Cashmere Valley Bank operate?

Cashmere Valley Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Cashmere Valley Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cashmere Valley Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Cashmere Valley Bank's top rates as of October 14, 2026 are 3.85% APY on its 11-Month CD, 1.82% APY on savings, 1.82% APY on checking, and credit cards from 12.74% APR, according to rates verified by MonitorBankRates. Other Cashmere Valley Bank CD rates include 7-Month CD at 3.60%, 3-Month CD at 3.51%, and 12-Month CD at 3.44%. MonitorBankRates evaluates the financial stability of Cashmere Valley Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.44%. Rates last updated and verified on 10/14/2026.

Cashmere Valley Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cashmere Valley Bank? Share your experience about Cashmere Valley Bank by leaving a review below, or read customer reviews before you decide to use Cashmere Valley Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.44%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cashmere Valley Bank

117 Aplets Way
Cashmere, WA 98815

https://www.cashmerevalleybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cashmere Valley Bank CD Rates

Product	Rate	APY	Term
11 Month CD	3.79%	3.85%	11 Month
Min Balance $100 Details Maximum of $2.5 million per customer; other restrictions may apply; available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
7 Month CD	3.55%	3.60%	7 Month
Min Balance $100 Details Maximum of $2.5 million per customer; other restrictions may apply; available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
3 Month CD	3.46%	3.51%	3 Month
Min Balance $100 Details Maximum of $2.5 million per customer; other restrictions may apply; available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 Month CD	3.40%	3.44%	12 Month
Min Balance $100 Details Available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.44% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
25 Month CD	3.00%	3.03%	25 Month
Min Balance $100 Details Non-renewable at maturity; maximum of $2.5 million per customer; APY assumes interest remains on deposit until maturity; withdrawal will reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
18 Month CD	2.60%	2.63%	18 Month
Min Balance $100 Details Available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
9 Month CD	2.60%	2.63%	9 Month
Min Balance $100 Details Available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 Month CD	2.45%	2.47%	48 Month
Min Balance $100 Details Available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.47% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 Month CD	2.25%	2.27%	24 Month
Min Balance $100 Details Rising Rate Certificate: one-time option to adjust rate higher to the current 24 month rate without penalty; available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month CD	2.25%	2.27%	6 Month
Min Balance $100 Details Interest penalty for early withdrawal; available to customers age 16 or greater Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 Month CD	2.15%	2.17%	36 Month
Min Balance $100 Details Available to customers age 16 or greater; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Cashmere Valley Bank Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	1.80%	1.82%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 and above; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 1.61% → 1.82% ▲ 0.21 pts · high 1.82% / low 1.61% Oct 14, 20261.82%▲ from 1.61% Sep 24, 20261.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Health Savings Account (HSA)	1.60%	1.61%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - 249,999; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 1.06% → 1.61% ▲ 0.55 pts · high 1.61% / low 1.06% Oct 14, 20261.61%▲ from 1.06% Sep 24, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Health Savings Account (HSA)	1.05%	1.06%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000 - 24,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 1.06% ▲ 0.81 pts · high 1.06% / low 0.25% Oct 14, 20261.06%▲ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Health Savings Account (HSA)	1.05%	1.06%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - 49,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - 14,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Oct 14, 20260.25%▲ from 0.05% Sep 24, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $100 Min Balance $10 Details Balance: $10 - 4,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Personal Savings	0.05%	0.05%
Min Deposit $50 Min Balance $10 Details Tier 1; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Club 50	0.01%	0.01%
Min Deposit $100 Min Balance $10 Details Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Cashmere Valley Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
Min Deposit $50 Min Balance $10 Details Tier 1; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Cashmere Valley Bank Checking Rates

Product	Rate	APY
Cash Management Checking	1.80%	1.82%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 and above; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 1.61% → 1.82% ▲ 0.21 pts · high 1.82% / low 1.61% Oct 14, 20261.82%▲ from 1.61% Sep 24, 20261.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	1.80%	1.82%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 and above; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 1.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Cash Management Checking	1.60%	1.61%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - 249,999; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 1.06% → 1.61% ▲ 0.55 pts · high 1.61% / low 1.06% Oct 14, 20261.61%▲ from 1.06% Sep 24, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	1.60%	1.61%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - 249,999; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Cash Management Checking	1.05%	1.06%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000 - 24,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 1.06% ▲ 0.81 pts · high 1.06% / low 0.25% Oct 14, 20261.06%▲ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Cash Management Checking	1.05%	1.06%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - 49,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	1.05%	1.06%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000 - 24,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	1.05%	1.06%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - 49,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Cash Management Checking	0.25%	0.25%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - 14,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Oct 14, 20260.25%▲ from 0.05% Sep 24, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	0.25%	0.25%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - 14,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Cash Management Checking	0.05%	0.05%
Min Deposit $100 Min Balance $10 Details Balance: $10 - 4,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Investment Checking	0.05%	0.05%
Min Deposit $100 Min Balance $10 Details Balance: $10 - 4,999.99; Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Personal Interest Checking	0.01%	0.01%
Min Deposit $100 Min Balance $10 Details Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Cashmere Valley Bank Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.01%	0.01%
Min Deposit $100 Min Balance $10 Details Tier 2; Minimum Balance to Obtain APY $10 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Cashmere Valley Bank Credit Card Rates

Product	Rate	APR
Visa Cash Back	-	12.74%
Details As Low As; Earn 1.5% cash back on net purchases annually; credited to Visa statement every April Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 12.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Visa Traditional Rewards	-	12.74%
Details As Low As; Earn 1 point for each $1 of net purchases Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 12.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cashmere Valley Bank’s Texas Ratio stayed near 1.35% in Q3 2023 to 1.44% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.3B	1.44%	5.0	A+
March 31, 2026	$2.3B	1.65%	5.0	A+
December 31, 2025	$2.3B	1.70%	5.0	A+
September 30, 2025	$2.3B	1.92%	5.0	A+
June 30, 2025	$2.2B	1.72%	5.0	A+
March 31, 2025	$2.1B	1.48%	5.0	A+
December 31, 2024	$2.1B	1.52%	5.0	A+
September 30, 2024	$2.1B	1.30%	5.0	A+
June 30, 2024	$2.1B	1.12%	5.0	A+
March 31, 2024	$2.1B	1.18%	5.0	A+
December 31, 2023	$2.0B	1.04%	5.0	A+
September 30, 2023	$2.0B	1.35%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cashmere Valley Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cashmere Valley Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cashmere Valley Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Cashmere Valley Bank

Website https://www.cashmerevalleybank.com

Address 117 Aplets Way, Cashmere, WA 98815 · Chelan

FDIC Certificate # 1265

Regulator FDIC

Established September 24, 1932

FDIC Insurance Date January 1, 1934

Domestic Offices 12

Total Branches 12

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.44%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1025%

Return on Equity (ROE)

9.6700%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

$2,316,834,000

Total Deposits

$1,962,766,000

Equity Capital

$256,611,000

Net Income

$12,663,000

Headquarters

Cashmere

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Cashmere Valley Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Cashmere Valley Bank

How many branches does Cashmere Valley Bank operate?

Cashmere Valley Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cashmere Valley Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cashmere Valley Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cashmere Valley Bank offer online and mobile banking?

Most modern institutions like Cashmere Valley Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cashmerevalleybank.com.