CD Rates Washington (WA) for April 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 Northwest Plus Credit UnionNorthwest Plus Credit Union2821 Hewitt Ave, Everett, WA 98201A+5.0 ★Texas Ratio: 4.75%Real return: +2.03%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.83% APY, Gesa Credit UnionGesa Credit Union825 Goethals Dr, Richland, WA 99352A+5.0 ★Texas Ratio: 4.63%Real return: +1.45%APY minus CPI (February 2026) offering IRA CD 12 Months at 4.25% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801A+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 5 Year Retirement Share Certificate at 4.10% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union11201 SE 8th St, Bellevue, WA 98004 6420A+5.0 ★Texas Ratio: 3.96%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate at 4.00% APY, and Avista Corp Credit UnionAvista Corp Credit Union1411 E Mission Ave, Spokane, WA 99202 1902A+5.0 ★Texas Ratio: 0.09%Real return: +1.12%APY minus CPI (February 2026) offering 1-year CD (Auto Renewing) at 3.92% APY. CD rates as of April 23, 2026 according to verified data from MonitorBankRates.
We compared 671 CD rates from 70 banks and credit unions available in Washington to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Washington side-by-side. Washington CD rates currently reach as high as 4.83% APY from Northwest Plus Credit Union at 2821 Hewitt Ave, Everett, WA 98201. 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: April 23, 2026
Compare Best CD Rates in Washington
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: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
3 Month Share Certificates
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
3 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
Fixed CD 3 Months
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
118 E Yakima Ave, Yakima, WA 98901
3 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
90 day Personal Certificate Account
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
3 Month Certificate of Deposit (CDs)
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
3 Month Certificate of Deposit
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.23%; With Checking: 2.72%
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
3 Month Certificate Accounts
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 3 months
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
3 Months Share Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
3 Months Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
3 Month Certificate of Deposit
$100,000
0.55%
▼
Rate0.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
$100,000 - over
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
3 Months Term Certificates
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2801 Wetmore Ave, Everett, WA 98201
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 23, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 6 Months
$100,000
4.10%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
6 Month Certificate of Deposit
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18000 International Blvd Ste 107, Seatac, WA 98188 4258
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
New money only.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Wave Club
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
6 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
6 Month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
6 Month Certificate Account
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
6 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money Certificate of Deposit 6 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
6 Month Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
3102 Broadway, Everett, WA 98201 4421
6 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
118 E Yakima Ave, Yakima, WA 98901
6 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
6 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 6 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
6 Months Term Certificates
$10,000
3.50%
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 23, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
6 month Certificates Of Deposit3
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
6 months Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 6 month
$50,000
3.46%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
6 Months Certificates (Includes IRA Certificates)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1725 NW Louisiana Ave, Chehalis, WA 98532
6-Month Add-On Share Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Limited time Certificate of Deposit Special
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
6 Mo. Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
5303 112th St E, Tacoma, WA 98446
Business 6-Month CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
6 Month & Easy Saver Certificate Accounts
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
6 month CD Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early Withdrawal Penalties May Apply
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
$1,000 Min.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
6 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1617 6th Ave Fl 5, Seattle, WA 98101
6 Month Certificate Account
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
6-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
6 Month Certificate of Deposit
$10,000
3.10%
▼
Rate3.06%
Min Deposit$10,000
Min Balance—
UpdatedApr 23, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA 98032
Jumbo 6-month Certificates
$60,000
3.10%
▼
Rate3.10%
Min Deposit$60,000
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
6 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
6-Month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2501 James St, Bellingham, WA 98225 3529
6 month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2002 N Atlantic St, Spokane, WA 99205 4805
6-MONTH CERTIFICATE
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
Jumbo 6-Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$50,000
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
6 Mo. CD
$2,500
3.00%
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 23, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA 98383
6 month share certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
6 months Single Deposit CD
$100
3.00%
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
6 Month Share Certificates
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
6 Month Certificate of Deposit
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.52%; With Checking: 3.01%
Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3107 John Stevens Way, Hoquiam, WA 98550
Savings Certificates 6 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
6 Month Certificate of Deposit (CDs)
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 6 months
$1,000
2.01%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
White River Credit Union Enumclaw, WA
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1499 Garrett St, Enumclaw, WA 98022
6 months Certificate of Deposit
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early withdrawal penalty - 3 month interest
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA 98362 3003
6 Month CD
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
6 Months Certificate
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83%
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 12 Months
$100,000
4.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Wave Club
Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1411 E Mission Ave, Spokane, WA 99202 1902
1-year CD (Auto Renewing)
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). This rate applies to existing CDs at Avista CU that automatically renew/rollover for an additional 1-year term.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$10,000 - $49,999.99
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
478 2nd St SE, E Wenatchee, WA 98802
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
8608 South Tacoma Way, Lakewood, WA 98499
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Limited time offer. Only available in our branches.
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
1 year Certificates Of Deposit3
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
12 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money Certificate of Deposit 12 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
12 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 1 year
$50,000
3.56%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA 98362 3003
1 Year CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
1 Year (BUMP) Launch Savings Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
1-Year Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
3102 Broadway, Everett, WA 98201 4421
12 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
1 Year Certificate of Deposit
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
12 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Washington Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
223 5th Ave Se, Olympia, WA 98501
12-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 12 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
12 Months Certificates (Includes IRA Certificates)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2501 James St, Bellingham, WA 98225 3529
12 month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Share & IRA Certificates 12 Month Term
$250
3.42%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
12 Month Certificate Account
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
12 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2002 N Atlantic St, Spokane, WA 99205 4805
12-MONTH CERTIFICATE
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
12 months Single Deposit CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
12 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA 98383
12 month share certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
12 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
12 Month Certificate Accounts
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Pendleton Avenue and North 12th Street, Fort Lewis, WA 98433
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
1-Year Fixed Rate Accumulator IRA Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
12 Mo. IRA
$50
3.10%
▼
Rate3.01%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA 98032
Jumbo 12-month Certificates
$60,000
3.10%
▼
Rate3.07%
Min Deposit$60,000
Min Balance—
UpdatedApr 23, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
IRA Share Certificates 1 Year
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3107 John Stevens Way, Hoquiam, WA 98550
Savings Certificates 12 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
IRA/HSA Certificates 12 Months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.
White River Credit Union Enumclaw, WA
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1499 Garrett St, Enumclaw, WA 98022
12 months Certificate of Deposit
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early withdrawal penalty - 6 months interest
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
12 Month Share Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1617 6th Ave Fl 5, Seattle, WA 98101
12 Month Certificate Account
$1,000
2.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
12-Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
12 month CD Certificates
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early Withdrawal Penalties May Apply
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
12 Month Certificate of Deposit
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.81%; With Checking: 3.30%
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
1 Year CD
$1,000
2.83%
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
$1,000 Min.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
12 Month Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 12 months
$1,000
2.51%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
1-Year Certificates of Deposit
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
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: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100,000 and over
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
18-month GreenUp Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
118 E Yakima Ave, Yakima, WA 98901
18 Month CD
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
18 months Certificate Special
$100
3.65%
▼
Rate3.59%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Rate is accurate as of March 15, 2026. Rate is subject to change at any time. Automatically renews into 12-month CD upon maturity.
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
18 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 18 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
796 Commerce Ave, Longview, WA 98632 2459
18 Month Money Builder Certificates
$25
3.39%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
18 Months Certificates (Includes IRA Certificates)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2501 James St, Bellingham, WA 98225 3529
18 month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
18 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
18 Mo Certificate - Regular, IRA, ESA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
18 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Share & IRA Certificates 18 Month Term
$250
3.19%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 23, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
18 Month Share Certificates
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
IRA Certificates 18 month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
520 1ST ST, Cheney, WA 99004 1603
IRA Share Certificate 18 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
18 month CD Certificates
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early Withdrawal Penalties May Apply
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
18 Month Certificate Account
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
18 Mo. IRA
$50
3.00%
▼
Rate2.92%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
18 Month Certificate Accounts
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
18 Month Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 18 months
$1,000
2.56%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
Jumbo 18-Month Certificate
$0
2.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$50,000
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
18 Months Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
18 Month Certificate of Deposit
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.23%; With Checking: 2.72%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
18 Month IRA
$100
1.95%
▼
Rate1.94%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
18 Month Bump Term Certificates
$500
1.86%
▼
Rate1.85%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
18 Month Certificate of Deposit (CDs)
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
18 Month CD
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100,000 and over
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Wave Club
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
24 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
New Money Certificate of Deposit 24 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 2 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
24 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
24 Month* Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 24 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
2 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Community-Impact Certificate Accounts for Nonprofit Organizations 24 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2501 James St, Bellingham, WA 98225 3529
24 month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
24 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
2 Year Certificate of Deposit
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
24 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
24 Month Share Certificates
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Share Certificate Accounts and IRA Share Certificates 24 month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
2-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
3102 Broadway, Everett, WA 98201 4421
24 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
24 Month Certificate Accounts
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Share & IRA Certificates 24 Month Term
$250
2.88%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
24 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
24 Month Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
2 Year Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA 98383
24 month share certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
24 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
$1,000 Min.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
24 Mo. IRA
$50
2.70%
▼
Rate2.63%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 24 months
$1,000
2.61%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA 98032
Jumbo 24-month Certificates
$60,000
2.57%
▼
Rate2.55%
Min Deposit$60,000
Min Balance—
UpdatedApr 23, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
2 Year Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
24 month CD Certificates
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early Withdrawal Penalties May Apply
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA 98362 3003
2 Year CD
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
24 months Single Deposit CD
$100
2.50%
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
2-Year Fixed Rate Accumulator IRA Certificate
$0
2.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
24 Months Certificate
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
24 Month Certificate of Deposit
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.33%; With Checking: 2.81%
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
11215 NE 28th St, Vancouver, WA 98682 7805
2 Year IRA Term Share Special
$50,000
2.35%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
IRA/HSA Certificates 24 Months
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
2 Year IRA
$100
2.20%
▼
Rate2.18%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2002 N Atlantic St, Spokane, WA 99205 4805
24-MONTH CERTIFICATE
$1,000
2.02%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
2-Year Certificates of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA 98501 1540
24 Months Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
24 Month CD
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
24 Month Certificate of Deposit (CDs)
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3107 John Stevens Way, Hoquiam, WA 98550
IRA Certificates 24 Months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
White River Credit Union Enumclaw, WA
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1499 Garrett St, Enumclaw, WA 98022
24 months Certificate of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Early withdrawal penalty - 9 months interest
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: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 36 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 3 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
36 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
520 1ST ST, Cheney, WA 99004 1603
36 Months Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
36 month Fixed Certificate of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
3 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
478 2nd St SE, E Wenatchee, WA 98802
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
36 Month Share Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
36 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Share Certificate Accounts and IRA Share Certificates 36 month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
36 months Certificate
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA 98362 3003
3 Year CD
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2501 James St, Bellingham, WA 98225 3529
36 month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
36 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
36 Month Certificate Accounts
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 36 month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
36 months Single Deposit CD
$100
2.80%
▼
Rate2.77%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
3-Year Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 36 months
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
3 Year Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
3 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA 99016
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
$1,000 Min.
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
36 Months Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
36 Mo. IRA
$50
2.40%
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
11215 NE 28th St, Vancouver, WA 98682 7805
3 Year IRA Term Share Special
$50,000
2.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
3 Year IRA
$100
2.30%
▼
Rate2.28%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Share & IRA Certificates 36 Month Term
$250
2.27%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 23, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
IRA/HSA Certificates 36 Months
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA 98383
36 month share certificate
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA 98032
36-month Certificates
$1,000
2.11%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2002 N Atlantic St, Spokane, WA 99205 4805
36-MONTH CERTIFICATE
$1,000
2.02%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
3102 Broadway, Everett, WA 98201 4421
36 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
36 Month Certificate of Deposit
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 1.93%; With Checking: 2.42%
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
36-Month Certificate
$0
1.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$500
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA 98501 1540
36 Months Share Certificate
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
36 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
36 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3107 John Stevens Way, Hoquiam, WA 98550
IRA Certificates 36 Months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 48 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
48 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
4 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Share Certificate Accounts and IRA Share Certificates 48 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
48 Month Certificates of Deposit
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
48 Months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Wave Club
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
2419 Pacific Ave SE, Olympia, WA 98501
48 Month Share Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
48 month Fixed Certificate of Deposit
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
520 1ST ST, Cheney, WA 99004 1603
IRA Share Certificate 48 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
48 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
4-Year Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
48 months Single Deposit CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
48 Month Certificate Accounts
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
48 months Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 4 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 48 months
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
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—
UpdatedApr 23, 2026
Details
$1,000 Min.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
48 Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
48 Mo. IRA
$50
2.40%
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
4 Year IRA
$100
2.35%
▼
Rate2.33%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
4 Year Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2002 N Atlantic St, Spokane, WA 99205 4805
48-MONTH CERTIFICATE
$1,000
2.27%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
48-Month Certificates of Deposit
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
48 Month Certificate of Deposit
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.03%; With Checking: 2.52%
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
48-Month Certificate
$0
1.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$500
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA 98501 1540
48 Months Share Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
48 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
48 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
IRA CD 60 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1451 15th St, Clarkston, WA 99403
60 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Share Certificate Accounts and IRA Share Certificates 60 month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
5 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
60 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA 98032 4009
5-Year Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
520 1ST ST, Cheney, WA 99004 1603
IRA Share Certificate 60 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 23, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
60 Month Certificates of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
60 month Fixed Certificate of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
60 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
601 Williams Blvd, Richland, WA 99354
60 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
60 months Single Deposit CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
60-month Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Business Certificates of Deposit 60 months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Must qualify for OnPoint Rewards.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
60 months Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 5 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 23, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
60 Month Certificate Accounts
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
60 month Personal Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
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—
UpdatedApr 23, 2026
Details
$1,000 Min.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
60 Mo. IRA
$50
2.60%
▼
Rate2.53%
Min Deposit$50
Min Balance—
UpdatedApr 23, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
5 Year Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
521 W Railroad Ave, Shelton, WA 98584 3520
60 Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA 98663
5 Year IRA
$100
2.40%
▼
Rate2.38%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
60 Month Certificate of Deposit
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Without Checking: 2.18%; With Checking: 2.67%
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7403 NE Hazel Dell Ave, Vancouver, WA 98665 8310
60 Months Certificate
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
5-Year Certificates of Deposit
$500
1.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
5-Year Fixed Rate IRA Certificate
$0
1.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
$100
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
320 SW Mt Si Blvd, North Bend, WA 98045
60 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA 98501 1540
60 Months Share Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12770 Gateway Dr S, Tukwila, WA 98168
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
60 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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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
2.987%
▲ 0.009 vs 7 days ago
Washington 12-month CD rates rose 0.009 points over the past 7 days to 2.987% APY.
6-Month CD — WA Avg
2.424%
▼ 0.217 vs 7 days ago
Washington 6-month CD rates fell 0.217 points over the past 7 days to 2.424% APY.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WA CD Rate Forecast — Next 12 Months
Where are Washington CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
2.987%
6-Month Forecast
2.987%
Range: 2.79% – 3.14%
12-Month Forecast
2.737%
Range: 2.54% – 2.89%
Powered by
MonitorBankRates
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 | 1.238% | $61.91 | $123.82 | $309.55 | $619.10 |
| 6-Month CD | 2.424% | $121.18 | $242.35 | $605.88 | $1,211.75 |
| 12-Month CD | 2.987% | $149.36 | $298.71 | $746.78 | $1,493.55 |
| 18-Month CD | 2.919% | $145.96 | $291.92 | $729.80 | $1,459.60 |
| 24-Month CD | 2.729% | $136.45 | $272.89 | $682.23 | $1,364.45 |
| 36-Month CD | 2.717% | $135.86 | $271.71 | $679.28 | $1,358.55 |
| 48-Month CD | 2.816% | $140.80 | $281.59 | $703.98 | $1,407.95 |
| 60-Month CD | 2.568% | $128.38 | $256.75 | $641.88 | $1,283.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 23, 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 | 1.238% | $61.91 |
| 2 | 6-Month CD | $5,000 | 2.424% | $121.18 |
| 3 | 12-Month CD | $5,000 | 2.987% | $149.36 |
| 4 | 24-Month CD | $5,000 | 2.729% | $136.45 |
| 5 | 36-Month CD | $5,000 | 2.717% | $135.86 |
| Total ($25,000 invested) | $25,000 | 2.419% blended | $604.76/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
15 Banks
51 Credit Unions
About Our Washington CD Rate Database
MonitorBankRates tracks 671 CD rates from 15 banks and 51 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: Northwest Plus Credit Union offers a CD at 4.83% APY with a minimum deposit of $500. 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 51 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 — 66 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
$163/yr
At WA 12-mo avg 2.987% 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 2.987%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $163 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 |
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:
- Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
- Gesa Credit Union: 4.25% APY (IRA CD 12 Months)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate)
- Avista Corp Credit Union: 3.92% APY (1-year CD (Auto Renewing))
- Wings Financial Credit Union: 3.90% APY (6-month certificate)
- Waterfront Federal Credit Union: 3.82% APY (3 Month Share Certificates)
- TAPCO Credit Union: 3.82% APY (Business 12-Month CD)
- Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
- Bank of Hope: 3.80% APY (12-month CD)
Rates reflect recent verified offers available in Washington. Last Updated: April 23, 2026
CD Calculators for Washington
Washington CD Calculator
At today’s WA top rate of 4.83% APY, a $10,000 deposit earns $483 in the first year. Enter your amount to see your exact return.
Washington CD LadderWA CD rates currently range from 1.238% (3-month) to 2.717% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Washington CD at 4.83% 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 2.987% 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
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 pulling data straight 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: April 23, 2026
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