Washington CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Washington CD rates include Gesa Credit UnionGesa Credit Union825 Goethals Dr, Richland, WA 99352A+5.0 ★Texas Ratio: 4.30%Real return: +1.60%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.40% APY, Idaho Central Credit UnionIdaho Central Credit Union41 W Riverside Ave, Spokane, WA 99201A+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801A+5.0 ★Texas Ratio: 1.51%Real return: +1.30%APY minus CPI (February 2026) offering 3 Year at 4.10% APY, Numerica Credit UnionNumerica Credit Union14610 E Sprague Ave, Spokane Valley, WA 99216A+5.0 ★Texas Ratio: 2.57%Real return: +1.20%APY minus CPI (February 2026) offering 12 month at 4.00% APY, and Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union11201 SE 8th St, Bellevue, WA 98004 6420A+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus CPI (February 2026) offering 12-Mo. Wave Club Certificate at 4.00% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Washington side-by-side. Washington CD rates currently reach as high as 4.40% APY from Gesa Credit Union at 825 Goethals Dr, Richland, WA 99352. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Washington
Washington 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA 98136
3 Month Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
3 month Fixed
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.26%
320 SW Mt Si Blvd, North Bend, WA 98045
3 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.26%
320 SW Mt Si Blvd, North Bend, WA 98045
3-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
90 Day Fixed Rate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
3 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
3 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
90 Day
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
3 Month CD Special
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
3 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
3 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
3 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 3 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
3 Month
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$0
1.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
Traditional & Roth IRA Certificate of Deposit - 3 months
$1,000
1.55%
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 1.79%, APY with OnPoint Rewards: 1.80%
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
3 months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 1.74%, APY with OnPoint Rewards: 1.75%
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
Business 3 months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 1.74%, APY with OnPoint Rewards: 1.75%
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 3 Months
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
IRA Certificate 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Member Perks APY: 1.25%
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
IRA Certificates 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Member Perks Rate: 1.246%, Member Perks APY: 1.25%
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Business 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
3-Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Member Perks Rate: 1.246%, Member Perks APY: 1.25%
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
3-Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Member Perks Rate: 1.246%, Member Perks APY: 1.25%
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
90 Day CD
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
90 Day CD
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
90 Day CD
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
90 Day CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
301 W Wishkah St, Aberdeen, WA 98520 6130
3 Months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1500 Cornwall Ave, Bellingham, WA 98225
3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2801 Wetmore Ave, Everett, WA 98201
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2801 Wetmore Ave, Everett, WA 98201
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1500 Cornwall Ave, Bellingham, WA 98225
3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 6 Months
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
6 Month Promo CD
$500
3.95%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Rate: 3.95%
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 6 Months
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 6 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
6-Mo. Wave ClubCertificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate | Wave Club
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
6 Month New Money CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money CD 6 months
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 6 Month
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
6 Month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates 6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
6 months Online CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
6 Month
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
BUMP
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
6 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Commercial 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
6 month Fixed
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA 98136
6 Month Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
6 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
3102 Broadway, Everett, WA 98201 4421
6 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
6 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 90 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
6 month IRA Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 90 days' dividends
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
301 W Wishkah St, Aberdeen, WA 98520 6130
6 Months
$0
3.50%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
6 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
Youth 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
6-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
6 month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA 98584
6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BUMP rate
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 6 month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
6 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
6 Month Fixed Rate
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 6 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 6 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
6 month Certificate
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
244 W Main Ave, Spokane, WA 99201
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time CD Special
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
6 Months Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 6 month
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
6 month
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
6 months add-on
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 90 days' dividends
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1725 NW Louisiana Ave, Chehalis, WA 98532
6-Month Add-On Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Annual Percentage Yield (APY)
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 6 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 12 Months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
12 Month Promo CD
$500
4.15%
▼
Rate4.09%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Rate: 4.09%
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
12-Month Promo CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Limited-time offer. Promo CD.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 12 Months
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
12-Mo. Wave Club Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate | Wave Club
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
118 E Yakima Ave, Yakima, WA 98901
12 Month CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 12 Months
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
1-Year CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money CD 12 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
1 year
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
12 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 1 year
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
12 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
12 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 12 Month
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
12 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit 1 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit 1 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit - 1 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit 1 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
12 Month
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
BUMP
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 1 year
$1,000
3.66%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Not Eligible
Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1411 E Mission Ave, Spokane, WA 99202 1902
1-year CD (New)
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds).
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
12 month Fixed
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
12 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
12 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
220 S Lincoln St, Port Angeles, WA 98362 3003
1-Year Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Open Account
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
220 S Lincoln St, Port Angeles, WA 98362 3003
CD 1 Year
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
as high as
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
3102 Broadway, Everett, WA 98201 4421
12 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA 98584
1 Year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BUMP rate
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
521 W Railroad Ave, Shelton, WA 98584 3520
12 Month Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rates effective as of June 30, 2026. Dividends are paid quarterly. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
521 W Railroad Ave, Shelton, WA 98584 3520
12 Month Save To Win Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rates effective as of June 30, 2026. Dividends are paid quarterly. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
1 YEAR CERTIFICATE OF DEPOSIT
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 12 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
IRA 12 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA 98584
1 Year
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BUMP rate
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
12 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 1 year
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
12 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Washington 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 18 Months
$0
4.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 18 Months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
18 Month Promo CD
$500
4.20%
▼
Rate4.14%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Rate: 4.14%
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
18-Month Promo CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Limited-time offer. Promo CD.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 18 Months
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
18 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 18 Month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
18-month GreenUp Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
118 E Yakima Ave, Yakima, WA 98901
18 Month CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA 98516
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
18 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
18 Month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
18 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
18 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
18 month Fixed
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
18 Month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
BUMP
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
IRA 18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
18 Months Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
18 Month Fixed Rate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
18 month IRA Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
18 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 18 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1725 NW Louisiana Ave, Chehalis, WA 98532
18 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Commercial 18 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
18 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts - 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 18 Month (Flex)
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Unlimited deposits. Upon request, rate will be increased to current Flex Certificate rate. Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 18 Month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
521 W Railroad Ave, Shelton, WA 98584 3520
18 Month Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rates effective as of June 30, 2026. Dividends are paid quarterly. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificate
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 18-Month Certificate
$50,000
2.56%
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
9706 4th Ave NE Ste 400, Seattle, WA 98115 2199
18 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
9706 4th Ave NE Ste 400, Seattle, WA 98115 2199
IRA Certificate of Deposit 18 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$1,000.00 - $2,499.99
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificate
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Fixed Rate IRA Certificate
$500
2.41%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Certificate
$500
2.41%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
Traditional & Roth IRA Certificate of Deposit - 18 months
$1,000
2.36%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 2.58%, APY with OnPoint Rewards: 2.61%
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
18 months
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 2.53%, APY with OnPoint Rewards: 2.56%
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
Business 18 months
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 2.53%, APY with OnPoint Rewards: 2.56%
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 18-Month Certificate
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
18 Month CD
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
301 W Wishkah St, Aberdeen, WA 98520 6130
18 Month Bump
$0
1.86%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
301 W Wishkah St, Aberdeen, WA 98520 6130
18 Month Bump Term Certificate
$0
1.86%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Washington 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate | Wave Club
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
24 Month Promo CD
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Rate: 3.94%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month IRA
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
24 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money CD 24 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 2 year
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
24 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
24 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit 2 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Variable - Member has discretion
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit 2 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit - 2 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit 2 year
$50,000
3.70%
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
24 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 2 year
$1,000
3.66%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
24-month certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
24 month Fixed
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
24 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
24 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
2 year
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
2 year Certificate
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 2 year
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
2 year
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 24 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
IRA 24 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
24 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
24 Months Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
9706 4th Ave NE Ste 400, Seattle, WA 98115 2199
24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
9706 4th Ave NE Ste 400, Seattle, WA 98115 2199
IRA Certificate of Deposit 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$1,000.00 - $2,499.99
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
24 month IRA Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
24 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
2 YEAR CERTIFICATE OF DEPOSIT
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
24 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
24 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
3102 Broadway, Everett, WA 98201 4421
24 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 3 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month IRA
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
With .25% Bonus**
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 36 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
36 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 3 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 36 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 3 year
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit - 3 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit 3 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
36 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit 3 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit 3 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Variable - Member has discretion
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
36-month Pacific Northwest (PNW) Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
3 year
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
36 month Fixed
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 36 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
3 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
3 year Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 3 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
36 Months Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
36 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
36 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
36 month IRA Certificate
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
36 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days' dividends
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
36 month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2501 James St, Bellingham, WA 98225 3529
IRA 36 month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates 36 Month
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Commercial 36 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
36 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
36 Months
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Washington 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 48 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 4 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 48 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 4 year
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit 4 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Variable - Member has discretion
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit 4 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit - 4 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit 4 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
48 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
48 Month IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
4 year
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
48 Months Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 4 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
4 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
4 year Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate | Wave Club
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
48 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
48 month Fixed
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
48 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Commercial 48 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Months
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
48 months
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
48 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts - 48 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts 48 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 48 Months
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
48 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
BUMP
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
48 month IRA Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 360 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
48 months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 360 days' dividends
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 48 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
4 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 24, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
IRA 4 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 24, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6711 NE 63rd St, Vancouver, WA 98661
Traditional & Roth IRA Certificate of Deposit - 48 months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Interest rate with OnPoint Rewards: 2.72%, APY with OnPoint Rewards: 2.75%
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1725 NW Louisiana Ave, Chehalis, WA 98532
48 months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 48 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
521 W Railroad Ave, Shelton, WA 98584 3520
48 Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rates effective as of June 30, 2026. Dividends are paid quarterly. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.
Washington 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA 99201
60 Month Promo CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Rate: 3.84%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 5 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 60 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 5 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
60 Month IRA
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 60 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
60 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificate 5 year
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit 5 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Variable - Member has discretion
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit 5 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit - 5 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificates of Deposit 5 year
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
5 year
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1451 15th St, Clarkston, WA 99403
60 Months Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
IRA CD 60 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
5 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
5 year Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
Business Certificate of Deposit 5 year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
IRA Certificate 60 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $100,000+
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA 99216
60 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 60 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
60 month Fixed
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
60 months
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Months
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY for balances $500 - $49,999.99
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
60 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Commercial 60 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
60 Month Certificate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA 99352
Bump CD 60 Months
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA 98004 6420
60-month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
60 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
BUMP
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
60 month IRA Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 360 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
600 E Holly St, Bellingham, WA 98225
60 months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 360 days' dividends
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
60 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts - 60 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
IRA Certificate Accounts 60 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 24, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Washington CD Rate Trends
Compare local Washington CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — WA Avg
2.916%
▼ 0.010 vs 7 days ago
Washington 12-month CD rates fell 0.010 points over the past 7 days to 2.916% APY.
6-Month CD — WA Avg
2.444%
▼ 0.017 vs 7 days ago
Washington 6-month CD rates fell 0.017 points over the past 7 days to 2.444% APY.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
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WA CD Rate Forecast — Next 12 Months
Where are Washington CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
2.916%
6-Month Forecast
2.916%
Range: 2.72% – 3.07%
12-Month Forecast
2.666%
Range: 2.47% – 2.82%
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What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.197% | $59.87 | $119.74 | $299.35 | $598.70 |
| 6-Month CD | 2.444% | $122.20 | $244.39 | $610.98 | $1,221.95 |
| 12-Month CD | 2.916% | $145.79 | $291.58 | $728.95 | $1,457.90 |
| 18-Month CD | 3.184% | $159.21 | $318.41 | $796.03 | $1,592.05 |
| 24-Month CD | 2.778% | $138.91 | $277.81 | $694.53 | $1,389.05 |
| 36-Month CD | 2.713% | $135.65 | $271.29 | $678.23 | $1,356.45 |
| 48-Month CD | 2.831% | $141.56 | $283.11 | $707.78 | $1,415.55 |
| 60-Month CD | 2.523% | $126.14 | $252.27 | $630.68 | $1,261.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Washington Savers
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.197% | $59.87 |
| 2 | 6-Month CD | $5,000 | 2.444% | $122.20 |
| 3 | 12-Month CD | $5,000 | 2.916% | $145.79 |
| 4 | 24-Month CD | $5,000 | 2.778% | $138.91 |
| 5 | 36-Month CD | $5,000 | 2.713% | $135.65 |
| Total ($25,000 invested) | $25,000 | 2.410% blended | $602.42/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
671
CD Rates
Tracked in Washington
Tracked in Washington
12 Banks
44 Credit Unions
About Our Washington CD Rate Database
MonitorBankRates tracks 671 CD rates from 12 banks and 44 credit unions with locations in Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Gesa Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Washington.
How to Find the Best CD Rates in Washington
What to compare when shopping for a CD in Washington
To find the best APYs in Washington, start with credit unions and online-only banks — Washington has 44 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Washington
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Washington — 56 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Washington savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Washington money market rates
Washington Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.6%
National avg: 17.3%
Median Individual Earnings
$54,551
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$159/yr
At WA 12-mo avg 2.916% APY
16.6% of residents are 65 or older — below the national average of 17.3%. At today’s WA 12-month CD average of 2.916%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $159 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Washington
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Washington
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Washington typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Washington as everywhere in the U.S.
Choosing a CD Term in Washington
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Washington savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Years at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Washington Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Washington saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Washington
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Washington CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Washington depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Washington
Are CD rates in Washington FDIC insured?
Yes, most established banks in Washington are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Washington?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Washington.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Washington may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Washington?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.40% APY (IRA CD 18 Months)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Firefighters First Federal Credit Union: 4.10% APY (3 Year)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate | Wave Club)
- Yakima Federal S&L: 4.00% APY (12 Month CD)
- Numerica Credit Union: 4.00% APY (12 month)
- Horizon Credit Union: 3.87% APY (24 Month)
- HSBC Bank USA: 3.85% APY (New Money CD 12 months)
- Pacific Crest SB: 3.85% APY (1-Year CD)
- TAPCO Credit Union: 3.82% APY (Business 12-Month CD)
Rates reflect recent verified offers available in Washington. Last Updated: July 25, 2026
CD Calculators for Washington
Washington CD Calculator
At today’s WA top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Washington CD LadderWA CD rates currently range from 1.197% (3-month) to 2.713% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Washington CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 2.916% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Washington CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Washington. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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