Albion, Washington Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Albion, Washington CD rates include Gesa Credit UnionGesa Credit UnionA+5.0 ★Texas Ratio: 4.30%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.60% APY, Idaho Central Credit UnionIdaho Central Credit UnionA+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 UnionA+5.0 ★Texas Ratio: 1.51%Real return: +1.30%APY minus CPI (February 2026) offering 2 Year at 4.10% APY, PrimeSource Credit UnionPrimeSource Credit UnionA-4.9 ★Texas Ratio: 15.71%Real return: +1.30%APY minus CPI (February 2026) offering 12 MONTH YOUTH CERTIFICATE at 4.10% APY, and Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit UnionA-5.0 ★Texas Ratio: 13.00%Real return: +1.20%APY minus CPI (February 2026) offering 3-Month Share Certificate at 4.00% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Albion is a smaller community with no bank or credit union branches currently in our database. 722 institutions serving the Washington area are available to Albion residents, with CD rates as high as 4.60% APY from Gesa Credit Union. 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: August 28, 2026
Compare Best CD Rates in Albion, Washington & the Surrounding Area
Albion 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.66% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.66% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3 Month Share Certificate
$0
3.82%
▲ 2.48% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.48% above avgNationally 1.96%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 month Fixed
$0
3.60%
▲ 2.26% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.26% above avgNationally 1.96%
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.26%
3 Month Certificate
$0
3.55%
▲ 2.21% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.21% above avgNationally 1.96%
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3-Mo. Term
$1,000
3.51%
▲ 2.17% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.17% above avgNationally 1.96%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 90 Day Fixed Rate
$0
3.50%
▲ 2.16% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.16% above avgNationally 1.96%
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 month
$0
3.50%
▲ 2.16% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.16% above avgNationally 1.96%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 Day
$2,500
3.40%
▲ 2.06% above Washington avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 2.06% above avgNationally 1.96%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.30%
▲ 1.96% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.96% above avgNationally 1.96%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.15%
▲ 1.81% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.81% above avgNationally 1.96%
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business 3-Month CD
$500
3.04%
▲ 1.70% above Washington avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.70% above avgNationally 1.96%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.00%
▲ 1.66% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.66% above avgNationally 1.96%
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
90 Day Certificate
$500
3.00%
▲ 1.66% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.66% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.70%
▲ 1.36% above Washington avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.36% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.70%
▲ 1.36% above Washington avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.36% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.65%
▲ 1.31% above Washington avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.31% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.65%
▲ 1.31% above Washington avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.31% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.60%
▲ 1.26% above Washington avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.26% above avgNationally 1.96%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.60%
▲ 1.26% above Washington avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.26% above avgNationally 1.96%
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
3 Month
$0
2.50%
▲ 1.16% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.16% above avgNationally 1.96%
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Business 3 Month
$0
2.50%
▲ 1.16% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.16% above avgNationally 1.96%
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 3 Month Certificate
$0
2.50%
▲ 1.16% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 1.16% above avgNationally 1.96%
Details
Traditional Certificates
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Months
$100
2.25%
▲ 0.91% above Washington avg
▼
Rate2.23%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.91% above avgNationally 1.96%
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month
$0
2.10%
▲ 0.76% above Washington avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.76% above avgNationally 1.96%
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 3 Month Certificate of Deposit
$0
2.00%
▲ 0.66% above Washington avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.66% above avgNationally 1.96%
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months - OnPoint Rewards
$1,000
1.80%
▲ 0.46% above Washington avg
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.46% above avgNationally 1.96%
Details
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months
$1,000
1.55%
▲ 0.21% above Washington avg
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.21% above avgNationally 1.96%
Details
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months
$1,000
1.50%
▲ 0.16% above Washington avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.16% above avgNationally 1.96%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Build a CD (SEG & Community Builders) 3 Month Certificate
$250
1.50%
▲ 0.16% above Washington avg
▼
Rate1.49%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.16% above avgNationally 1.96%
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.40%
▲ 0.06% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▲ 0.06% above avgNationally 1.96%
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.30%
▼ 0.04% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.04% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3 Month - Member Perks
$0
1.25%
▼ 0.09% below Washington avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.09% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3-Month - Member Perks
$0
1.25%
▼ 0.09% below Washington avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.09% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates 3 Month - Member Perks
$0
1.25%
▼ 0.09% below Washington avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.09% below avgNationally 1.96%
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.25%
▼ 0.09% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.09% below avgNationally 1.96%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 3 Months
$0
1.25%
▼ 0.09% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.09% below avgNationally 1.96%
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.20%
▼ 0.14% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.14% below avgNationally 1.96%
Details
People's Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
1.00%
▼ 0.34% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.34% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3-Month
$0
1.00%
▼ 0.34% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.34% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business 3 Month
$0
1.00%
▼ 0.34% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.34% below avgNationally 1.96%
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates 3 Month
$0
1.00%
▼ 0.34% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.34% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months
$0
0.60%
▼ 0.74% below Washington avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.74% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.60%
▼ 0.74% below Washington avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.74% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.55%
▼ 0.79% below Washington avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.79% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.50%
▼ 0.84% below Washington avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.84% below avgNationally 1.96%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Certificate
$1,000
0.45%
▼ 0.89% below Washington avg
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.89% below avgNationally 1.96%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Roth IRA / IRA Certificate
$250
0.45%
▼ 0.89% below Washington avg
▼
Rate0.45%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 0.89% below avgNationally 1.96%
Details
Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 months
$75,000
0.20%
▼ 1.14% below Washington avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 1.14% below avgNationally 1.96%
Details
Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 months
$10,000
0.15%
▼ 1.19% below Washington avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 1.19% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.28% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average1.34%▼ 1.28% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Albion 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%
IRA CD 6 Months
$0
4.10%
▲ 1.64% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.64% above avgNationally 2.67%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.54% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.54% above avgNationally 2.67%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Promo CD
$500
3.95%
▲ 1.49% above Washington avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.49% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.95%
▲ 1.49% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.49% above avgNationally 2.67%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.80%
▲ 1.34% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.34% above avgNationally 2.67%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.80%
▲ 1.34% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.34% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.75%
▲ 1.29% above Washington avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.29% above avgNationally 2.67%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-month Certificate | Wave Club
$500
3.75%
▲ 1.29% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.29% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.70%
▲ 1.24% above Washington avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.24% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70%
▲ 1.24% above Washington avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.24% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$1,000
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 6 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Business Jumbo Certificates - 6 Month
$0
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
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.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Jumbo Certificates 6 Month
$0
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 6 month
$50,000
3.65%
▲ 1.19% above Washington avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.19% above avgNationally 2.67%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Not Eligible
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month BUMP
$500
3.61%
▲ 1.15% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.15% above avgNationally 2.67%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
6 month Fixed
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 months
$1,000
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Commercial 6 Month
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 6 Months
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 Month CD
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 6 month
$50,000
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 6 month
$50,000
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 6 month
$0
3.60%
▲ 1.14% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.14% above avgNationally 2.67%
Details
Bump Option: Not Eligible
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
6 months
$0
3.56%
▲ 1.10% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.10% above avgNationally 2.67%
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
6 Month Share Certificate
$0
3.56%
▲ 1.10% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.10% above avgNationally 2.67%
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
6 Month Certificate
$0
3.55%
▲ 1.09% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.09% above avgNationally 2.67%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 6 month
$0
3.55%
▲ 1.09% above Washington avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.09% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 Month CD
$500
3.50%
▲ 1.04% above Washington avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 months
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6 month
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Special
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6-Month Certificate
$1,000
3.50%
▲ 1.04% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
APY = Annual Percentage Yield. Rate is subject to change without notice. The maximum deposit per each certificate special is $250,000 per member.
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Months
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
6 Month Certificate
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
Youth 6 Months
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 month IRA Certificate
$500
3.50%
▲ 1.04% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 90 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 months
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 90 days' dividends
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Certificate
$1,000
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Roth IRA / IRA Certificate
$250
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
PrimeSource Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.71%
6 MONTH CERTIFICATE
$500
3.50%
▲ 1.04% above Washington avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-month Certificate
$500
3.50%
▲ 1.04% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 6 month
$1,000
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
Bump Option: Not Eligible
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month
$0
3.50%
▲ 1.04% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 1.04% above avgNationally 2.67%
Details
BUMP
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 6 Months
$0
3.45%
▲ 0.99% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 0.99% above avgNationally 2.67%
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
6-Month CD Special
$0
3.40%
▲ 0.94% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 0.94% above avgNationally 2.67%
Details
Limited Time CD Special
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 6 Months
$0
3.40%
▲ 0.94% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.46%▲ 0.94% above avgNationally 2.67%
Details
Albion 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%
IRA CD 12 Months
$0
4.50%
▲ 1.53% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.53% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.35%
▲ 1.38% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.38% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.20%
▲ 1.23% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.23% above avgNationally 2.83%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
12 Month Promo CD
$500
4.15%
▲ 1.18% above Washington avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.18% above avgNationally 2.83%
Details
PrimeSource Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.71%
12 MONTH YOUTH CERTIFICATE
$100
4.10%
▲ 1.13% above Washington avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.13% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
4.10%
▲ 1.13% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.13% above avgNationally 2.83%
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 year
$0
4.00%
▲ 1.03% above Washington avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.03% above avgNationally 2.83%
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month CD
$0
4.00%
▲ 1.03% above Washington avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.03% above avgNationally 2.83%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month Certificate | Wave Club
$500
4.00%
▲ 1.03% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.03% above avgNationally 2.83%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month IRA Wave Club Certificate
$0
4.00%
▲ 1.03% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 1.03% above avgNationally 2.83%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 12 months
$1,000
3.95%
▲ 0.98% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.98% above avgNationally 2.83%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
3.95%
▲ 0.98% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.98% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91%
▲ 0.94% above Washington avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.94% above avgNationally 2.83%
Details
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Month Platinum TCD
$0
3.88%
▲ 0.91% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.91% above avgNationally 2.83%
Details
Terms and Conditions
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 12 Months
$0
3.85%
▲ 0.88% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.88% above avgNationally 2.83%
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business 12-Month CD
$500
3.82%
▲ 0.85% above Washington avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.85% above avgNationally 2.83%
Details
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
12 MONTH CD SPECIAL
$500
3.80%
▲ 0.83% above Washington avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
12 MONTH IRA CD SPECIAL
$50
3.80%
▲ 0.83% above Washington avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.83% above Washington avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month
$1,000
3.80%
▲ 0.83% above Washington avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 12 Month
$50,000
3.80%
▲ 0.83% above Washington avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates (Traditional and Roth) 12 months
$0
3.80%
▲ 0.83% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
3.80%
▲ 0.83% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 1 year
$50,000
3.80%
▲ 0.83% above Washington avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.83% above avgNationally 2.83%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Not Eligible
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
12 Month
$1,000
3.75%
▲ 0.78% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Business Jumbo Certificates - 12 Month
$0
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
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.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Jumbo Certificates 12 Month
$0
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12-Month Certificate
$500
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo 12-Month Certificate
$50,000
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month Certificate
$500
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month IRA Certificate
$0
3.75%
▲ 0.78% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.78% above avgNationally 2.83%
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1 year
$0
3.71%
▲ 0.74% above Washington avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.74% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 12 Months
$0
3.70%
▲ 0.73% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.73% above avgNationally 2.83%
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 Month CD
$0
3.70%
▲ 0.73% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.73% above avgNationally 2.83%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 1 year
$50,000
3.70%
▲ 0.73% above Washington avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.73% above avgNationally 2.83%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 1 year
$50,000
3.70%
▲ 0.73% above Washington avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.73% above avgNationally 2.83%
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 1 year
$0
3.70%
▲ 0.73% above Washington avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.73% above avgNationally 2.83%
Details
Bump Option: Not Eligible
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month BUMP
$500
3.66%
▲ 0.69% above Washington avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.69% above avgNationally 2.83%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 1 year
$1,000
3.66%
▲ 0.69% above Washington avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.69% above avgNationally 2.83%
Details
Bump Option: Not Eligible
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 0.68% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.68% above avgNationally 2.83%
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 0.68% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.68% above avgNationally 2.83%
Details
Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1-year CD (New)
$0
3.65%
▲ 0.68% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.68% above avgNationally 2.83%
Details
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds).
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
12 month
$0
3.65%
▲ 0.68% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.68% above avgNationally 2.83%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 12 month
$0
3.65%
▲ 0.68% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.68% above avgNationally 2.83%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
12 month Fixed
$0
3.60%
▲ 0.63% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.63% above avgNationally 2.83%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 months
$1,000
3.60%
▲ 0.63% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.63% above avgNationally 2.83%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 12 months
$250
3.60%
▲ 0.63% above Washington avg
▼
Rate3.54%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.63% above avgNationally 2.83%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 12 months
$500
3.60%
▲ 0.63% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.63% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.60%
▲ 0.63% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.97%▲ 0.63% above avgNationally 2.83%
Details
Albion 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%
IRA CD 18 Months
$0
4.60%
▲ 1.29% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 1.29% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.45%
▲ 1.14% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 1.14% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.30%
▲ 0.99% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.99% above avgNationally 2.67%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Promo CD
$500
4.20%
▲ 0.89% above Washington avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.89% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
4.10%
▲ 0.79% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.79% above avgNationally 2.67%
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month CD
$0
4.00%
▲ 0.69% above Washington avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.69% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 0.69% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.69% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9 & 18 months
$500
4.00%
▲ 0.69% above Washington avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.69% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
CD SPECIAL 9 & 18 months
$1,000
4.00%
▲ 0.69% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.69% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates CD SPECIAL 9 & 18 months
$500
4.00%
▲ 0.69% above Washington avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.69% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 0.64% above Washington avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.64% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 0.64% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.64% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
3.95%
▲ 0.64% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.64% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90%
▲ 0.59% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.59% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
3.80%
▲ 0.49% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.49% above avgNationally 2.67%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18-month GreenUp Certificate
$1,000
3.75%
▲ 0.44% above Washington avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.44% above avgNationally 2.67%
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
18 Month
$1,000
3.65%
▲ 0.34% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.34% above avgNationally 2.67%
Details
At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
18 month Fixed
$0
3.60%
▲ 0.29% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.29% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
18 months
$1,000
3.60%
▲ 0.29% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.29% above avgNationally 2.67%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 18 months
$500
3.60%
▲ 0.29% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.29% above avgNationally 2.67%
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$0
3.56%
▲ 0.25% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.25% above avgNationally 2.67%
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 18 Months
$0
3.55%
▲ 0.24% above Washington avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.24% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Certificate Account
$500
3.55%
▲ 0.24% above Washington avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.24% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 18 Months
$0
3.55%
▲ 0.24% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.24% above avgNationally 2.67%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Certificate
$1,000
3.50%
▲ 0.19% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.19% above avgNationally 2.67%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Roth IRA / IRA Certificate
$250
3.50%
▲ 0.19% above Washington avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.19% above avgNationally 2.67%
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$0
3.45%
▲ 0.14% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.14% above avgNationally 2.67%
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 months
$0
3.35%
▲ 0.04% above Washington avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.04% above avgNationally 2.67%
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$500
3.35%
▲ 0.04% above Washington avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.04% above avgNationally 2.67%
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
18 Month
$0
3.35%
▲ 0.04% above Washington avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▲ 0.04% above avgNationally 2.67%
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
18 month
$0
3.30%
▼ 0.01% below Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.01% below avgNationally 2.67%
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA 18 month
$0
3.30%
▼ 0.01% below Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.01% below avgNationally 2.67%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month BUMP
$500
3.30%
▼ 0.01% below Washington avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.01% below avgNationally 2.67%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 18 Month Fixed Rate
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Mo Certificate - Regular, IRA, ESA
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 18 Mo Certificate - Regular, IRA, ESA
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Business Jumbo Certificates - 18 Month
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
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.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Jumbo Certificates 18 Month
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 month IRA Certificate
$500
3.25%
▼ 0.06% below Washington avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 months
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Early Withdrawal Penalty: 180 days' dividends
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18-Mo. Term
$1,000
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Months
$0
3.25%
▼ 0.06% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.06% below avgNationally 2.67%
Details
Mint Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Certificate
$1,000
3.20%
▼ 0.11% below Washington avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.11% below avgNationally 2.67%
Details
Rates subject to change. **APY is accurate as of 10/26/2023.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18-Month Flex-Withdrawal Certificate
$0
3.15%
▼ 0.16% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.16% below avgNationally 2.67%
Details
Flex-Withdrawal Certificate; One penalty-free withdrawal for up to 50% of the balance may be taken during the term. Additional withdrawals may incur a penalty. IRA Certificates are not eligible. Early withdrawals on all other certificates may also incur a penalty. See Certificate Rate and Fee Schedule for details.
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
18 month
$0
3.10%
▼ 0.21% below Washington avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.21% below avgNationally 2.67%
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 18 Month Certificate
$0
3.10%
▼ 0.21% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.21% below avgNationally 2.67%
Details
Traditional Certificates
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05%
▼ 0.26% below Washington avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.26% below avgNationally 2.67%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
18 month
$0
3.05%
▼ 0.26% below Washington avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.26% below avgNationally 2.67%
Details
Industrial Credit Union of Whatcom County
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Months
$0
3.00%
▼ 0.31% below Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.31% below avgNationally 2.67%
Details
PrimeSource Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.71%
18 MONTH CERTIFICATE
$500
3.00%
▼ 0.31% below Washington avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.31%▼ 0.31% below avgNationally 2.67%
Details
Albion 24 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%
IRA CD 24 Months
$0
4.30%
▲ 1.25% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 1.25% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 24 Months
$0
4.15%
▲ 1.10% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 1.10% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▲ 1.05% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 1.05% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▲ 1.00% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 1.00% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▲ 0.95% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.95% above avgNationally 2.71%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Month Promo CD
$500
4.00%
▲ 0.95% above Washington avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.95% above avgNationally 2.71%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month Certificate | Wave Club
$500
4.00%
▲ 0.95% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.95% above avgNationally 2.71%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month IRA Wave Club Certificate
$0
4.00%
▲ 0.95% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.95% above avgNationally 2.71%
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 year
$0
3.90%
▲ 0.85% above Washington avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.85% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.90%
▲ 0.85% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.85% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month
$0
3.87%
▲ 0.82% above Washington avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.82% above avgNationally 2.71%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month IRA
$0
3.87%
▲ 0.82% above Washington avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.82% above avgNationally 2.71%
Details
With .25% Bonus*
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.80%
▲ 0.75% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.75% above avgNationally 2.71%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 2 year
$50,000
3.80%
▲ 0.75% above Washington avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.75% above avgNationally 2.71%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month Certificate
$500
3.75%
▲ 0.70% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.70% above avgNationally 2.71%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month IRA Certificate
$0
3.75%
▲ 0.70% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.70% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.75%
▲ 0.70% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.70% above avgNationally 2.71%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 2 year
$50,000
3.70%
▲ 0.65% above Washington avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.65% above avgNationally 2.71%
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 2 year
$50,000
3.70%
▲ 0.65% above Washington avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.65% above avgNationally 2.71%
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 2 year
$0
3.70%
▲ 0.65% above Washington avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.65% above avgNationally 2.71%
Details
Bump Option: Eligible
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 24 month
$0
3.70%
▲ 0.65% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.65% above avgNationally 2.71%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 2 year
$1,000
3.66%
▲ 0.61% above Washington avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.61% above avgNationally 2.71%
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.65%
▲ 0.60% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.60% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month
$1,000
3.61%
▲ 0.56% above Washington avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.56% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month IRA
$500
3.61%
▲ 0.56% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.56% above avgNationally 2.71%
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 24 Months
$0
3.60%
▲ 0.55% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
24 month Fixed
$0
3.60%
▲ 0.55% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 months
$1,000
3.60%
▲ 0.55% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 24 months
$250
3.60%
▲ 0.55% above Washington avg
▼
Rate3.54%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 24 months
$500
3.60%
▲ 0.55% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.60%
▲ 0.55% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24-Month Certificate
$500
3.60%
▲ 0.55% above Washington avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Fixed 3.60% APY for 24 months
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 24 Month Certificate
$0
3.60%
▲ 0.55% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.55% above avgNationally 2.71%
Details
Traditional Certificates
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
24 Month Term Share (or IRA)
$500
3.56%
▲ 0.51% above Washington avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.51% above avgNationally 2.71%
Details
Special Rate!
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 24 Months
$0
3.55%
▲ 0.50% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.50% above avgNationally 2.71%
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
24 Month
$1,000
3.50%
▲ 0.45% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.45% above avgNationally 2.71%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2-Year Certificate
$1,000
3.50%
▲ 0.45% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.45% above avgNationally 2.71%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2-Year Roth IRA / IRA Certificate
$250
3.50%
▲ 0.45% above Washington avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.45% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.50%
▲ 0.45% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.45% above avgNationally 2.71%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
2 year Certificate
$1,000
3.45%
▲ 0.40% above Washington avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.40% above avgNationally 2.71%
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
24 Months
$0
3.40%
▲ 0.35% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.35% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 24 Months
$100,000
3.40%
▲ 0.35% above Washington avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.35% above avgNationally 2.71%
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
24 Month
$0
3.40%
▲ 0.35% above Washington avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.35% above avgNationally 2.71%
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 month
$0
3.30%
▲ 0.25% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.25% above avgNationally 2.71%
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA 24 month
$0
3.30%
▲ 0.25% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.25% above avgNationally 2.71%
Details
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24-Month CD
$1,000
3.25%
▲ 0.20% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.20% above avgNationally 2.71%
Details
A great option if you want: Redeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase.? If CD rates go up during your 24-month term, you can choose once to update your CD to the new rate currently being offered on a 24-month CD. Available in these states.
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
IRA Certificate of Deposit - 24 Months
$0
3.25%
▲ 0.20% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.20% above avgNationally 2.71%
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 month IRA Certificate
$500
3.25%
▲ 0.20% above Washington avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.20% above avgNationally 2.71%
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 months
$0
3.25%
▲ 0.20% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.20% above avgNationally 2.71%
Details
Early Withdrawal Penalty: 180 days' dividends
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
24-Mo. Term
$1,000
3.25%
▲ 0.20% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average3.05%▲ 0.20% above avgNationally 2.71%
Details
Albion 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%
3 Year
$0
4.10%
▲ 1.36% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.36% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 1.31% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.31% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 1.26% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.26% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 1.26% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.26% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95%
▲ 1.21% above Washington avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.21% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 1.21% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.21% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90%
▲ 1.16% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.16% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$0
3.87%
▲ 1.13% above Washington avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.13% above avgNationally 2.66%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$0
3.87%
▲ 1.13% above Washington avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.13% above avgNationally 2.66%
Details
With .25% Bonus*
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.75%
▲ 1.01% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 1.01% above avgNationally 2.66%
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 36 Months
$0
3.65%
▲ 0.91% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.91% above avgNationally 2.66%
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
36 Month Term Share (or IRA)
$0
3.61%
▲ 0.87% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.87% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$1,000
3.61%
▲ 0.87% above Washington avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.87% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$500
3.61%
▲ 0.87% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.87% above avgNationally 2.66%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
36 months
$1,000
3.60%
▲ 0.86% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 36 months
$250
3.60%
▲ 0.86% above Washington avg
▼
Rate3.54%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 36 months
$500
3.60%
▲ 0.86% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 3 year
$50,000
3.60%
▲ 0.86% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 36 Months
$0
3.60%
▲ 0.86% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.55%
▲ 0.81% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.81% above avgNationally 2.66%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 3 year
$1,000
3.51%
▲ 0.77% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.77% above avgNationally 2.66%
Details
Bump Option: Eligible
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
36 Month
$1,000
3.50%
▲ 0.76% above Washington avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 years
$0
3.50%
▲ 0.76% above Washington avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
1x Bump Up
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
36 Month Term Share (or IRA)
$0
3.50%
▲ 0.76% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 month
$0
3.50%
▲ 0.76% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50%
▲ 0.76% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.50%
▲ 0.76% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
▲ 0.76% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
▲ 0.76% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 3 year
$0
3.50%
▲ 0.76% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Bump Option: Eligible
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
36 Month
$0
3.45%
▲ 0.71% above Washington avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.71% above avgNationally 2.66%
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3 year
$0
3.40%
▲ 0.66% above Washington avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.66% above avgNationally 2.66%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
36 month Fixed
$0
3.40%
▲ 0.66% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.66% above avgNationally 2.66%
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
36 Month Term Share (or IRA)
$500
3.40%
▲ 0.66% above Washington avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.66% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.35%
▲ 0.61% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.61% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.30%
▲ 0.56% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.56% above avgNationally 2.66%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
3 year Certificate
$1,000
3.30%
▲ 0.56% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.56% above avgNationally 2.66%
Details
Bump Option: Eligible
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3-Year Certificate
$1,000
3.25%
▲ 0.51% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.51% above avgNationally 2.66%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3-Year Roth IRA / IRA Certificate
$250
3.25%
▲ 0.51% above Washington avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.51% above avgNationally 2.66%
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
36-Mo. Term
$1,000
3.25%
▲ 0.51% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.51% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 36 Months
$0
3.25%
▲ 0.51% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.51% above avgNationally 2.66%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Months
$0
3.25%
▲ 0.51% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.51% above avgNationally 2.66%
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
36 Month Certificate
$0
3.20%
▲ 0.46% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.46% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.10%
▲ 0.36% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.36% above avgNationally 2.66%
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 36 Month Certificate
$0
3.10%
▲ 0.36% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.36% above avgNationally 2.66%
Details
Traditional Certificates
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 36 Months
$0
3.05%
▲ 0.31% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.31% above avgNationally 2.66%
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 month IRA Certificate
$500
3.00%
▲ 0.26% above Washington avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.26% above avgNationally 2.66%
Details
Early Withdrawal Penalty: 180 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 months
$0
3.00%
▲ 0.26% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.26% above avgNationally 2.66%
Details
Early Withdrawal Penalty: 180 days' dividends
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Year CD
$1,000
3.00%
▲ 0.26% above Washington avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.26% above avgNationally 2.66%
Details
Dividends Compounded/Credited Annually Monthly
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.00%
▲ 0.26% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.74%▲ 0.26% above avgNationally 2.66%
Details
Albion 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%
IRA CD 48 Months
$0
3.75%
▲ 0.89% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 4 year
$50,000
3.60%
▲ 0.74% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.74% above avgNationally 2.65%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 48 Months
$0
3.60%
▲ 0.74% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.74% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.55%
▲ 0.69% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.69% above avgNationally 2.65%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 4 year
$1,000
3.51%
▲ 0.65% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.65% above avgNationally 2.65%
Details
Bump Option: Eligible
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month
$0
3.50%
▲ 0.64% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.50%
▲ 0.64% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
48 Month
$0
3.50%
▲ 0.64% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
▲ 0.64% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
▲ 0.64% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 4 year
$0
3.50%
▲ 0.64% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Bump Option: Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month
$1,000
3.45%
▲ 0.59% above Washington avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.59% above avgNationally 2.65%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month IRA
$500
3.45%
▲ 0.59% above Washington avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.59% above avgNationally 2.65%
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 year
$0
3.40%
▲ 0.54% above Washington avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.54% above avgNationally 2.65%
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
48-Mo. Term
$1,000
3.35%
▲ 0.49% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.49% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.35%
▲ 0.49% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.49% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.30%
▲ 0.44% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.44% above avgNationally 2.65%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
4 year Certificate
$1,000
3.30%
▲ 0.44% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.44% above avgNationally 2.65%
Details
Bump Option: Eligible
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Months
$0
3.30%
▲ 0.44% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.44% above avgNationally 2.65%
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
48 Month Certificate
$0
3.25%
▲ 0.39% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.39% above avgNationally 2.65%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month Certificate | Wave Club
$500
3.25%
▲ 0.39% above Washington avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.39% above avgNationally 2.65%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month IRA Wave Club Certificate
$0
3.25%
▲ 0.39% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.39% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
3.25%
▲ 0.39% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.39% above avgNationally 2.65%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
48 month Fixed
$0
3.20%
▲ 0.34% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.34% above avgNationally 2.65%
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 48 Month Certificate
$0
3.20%
▲ 0.34% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.34% above avgNationally 2.65%
Details
Traditional Certificates
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.10%
▲ 0.24% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.24% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
3.05%
▲ 0.19% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.19% above avgNationally 2.65%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4-Year Certificate
$1,000
3.00%
▲ 0.14% above Washington avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4-Year Roth IRA / IRA Certificate
$250
3.00%
▲ 0.14% above Washington avg
▼
Rate2.96%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month Certificate
$500
3.00%
▲ 0.14% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month IRA Certificate
$0
3.00%
▲ 0.14% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.00%
▲ 0.14% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 48 Months
$100,000
3.00%
▲ 0.14% above Washington avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
48 months
$0
2.90%
▲ 0.04% above Washington avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▲ 0.04% above avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.85%
▼ 0.01% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.01% below avgNationally 2.65%
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month
$0
2.85%
▼ 0.01% below Washington avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.01% below avgNationally 2.65%
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Commercial 48 Month
$0
2.85%
▼ 0.01% below Washington avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.01% below avgNationally 2.65%
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 months
$0
2.85%
▼ 0.01% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.01% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
2.85%
▼ 0.01% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.01% below avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.80%
▼ 0.06% below Washington avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 48 Month
$0
2.80%
▼ 0.06% below Washington avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
2.80%
▼ 0.06% below Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 48 Months
$50,000
2.80%
▼ 0.06% below Washington avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.75%
▼ 0.11% below Washington avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 months - OnPoint Rewards
$1,000
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Industrial Credit Union of Whatcom County
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Months
$0
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 month IRA Certificate
$500
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Early Withdrawal Penalty: 360 days' dividends
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 months
$0
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Early Withdrawal Penalty: 360 days' dividends
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
48 months
$1,000
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 48 months
$500
2.75%
▼ 0.11% below Washington avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.86%▼ 0.11% below avgNationally 2.65%
Details
Albion 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%
5 Year
$0
4.10%
▲ 1.29% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.29% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 1.24% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.24% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90%
▲ 1.09% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.76%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Promo CD
$500
3.90%
▲ 1.09% above Washington avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.75%
▲ 0.94% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.94% above avgNationally 2.76%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 60 Months
$0
3.65%
▲ 0.84% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.84% above avgNationally 2.76%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 5 year
$50,000
3.60%
▲ 0.79% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.79% above avgNationally 2.76%
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month
$1,000
3.55%
▲ 0.74% above Washington avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.76%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month IRA
$500
3.55%
▲ 0.74% above Washington avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.55%
▲ 0.74% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.76%
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
60-Mo. Term
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.76%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificate 5 year
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.76%
Details
Bump Option: Eligible
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 month
$0
3.50%
▲ 0.69% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.50%
▲ 0.69% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.76%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
▲ 0.69% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.76%
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
▲ 0.69% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.76%
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 5 year
$0
3.50%
▲ 0.69% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.76%
Details
Bump Option: Eligible
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 year
$0
3.40%
▲ 0.59% above Washington avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.59% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.35%
▲ 0.54% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.54% above avgNationally 2.76%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Months
$0
3.35%
▲ 0.54% above Washington avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.54% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.76%
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
60 Month Certificate
$0
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.30%
▲ 0.49% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.76%
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
5 year Certificate
$1,000
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.76%
Details
Bump Option: Eligible
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 60 Month Certificate
$0
3.30%
▲ 0.49% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.76%
Details
Traditional Certificates
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 years
$0
3.29%
▲ 0.48% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.48% above avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5-Year IRA
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 60 Months
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5-Year IRA
$0
3.20%
▲ 0.39% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.39% above avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5-Year IRA
$0
3.15%
▲ 0.34% above Washington avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.34% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.15%
▲ 0.34% above Washington avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.34% above avgNationally 2.76%
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60-Month Certificate
$0
3.15%
▲ 0.34% above Washington avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.34% above avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5-Year IRA
$0
3.10%
▲ 0.29% above Washington avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.29% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.10%
▲ 0.29% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.29% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.10%
▲ 0.29% above Washington avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.29% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 60 month
$0
3.10%
▲ 0.29% above Washington avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.29% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 60 Months
$0
3.05%
▲ 0.24% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.24% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.05%
▲ 0.24% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.24% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 60 month
$0
3.05%
▲ 0.24% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.24% above avgNationally 2.76%
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
60 month Fixed
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 60 Months
$100,000
3.00%
▲ 0.19% above Washington avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 60 month
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.76%
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month
$0
2.85%
▲ 0.04% above Washington avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Washington Average2.81%▲ 0.04% above avgNationally 2.76%
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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Albion, WA CD Rate Trends
Compare local Albion, WA 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
2.972%
▼ 0.314 vs 7 days ago
Washington 12-month CD rates fell 0.314 points over the past 7 days to 2.972% APY.
6-Month CD — WA Avg
2.461%
▼ 0.544 vs 7 days ago
Washington 6-month CD rates fell 0.544 points over the past 7 days to 2.461% APY.
As of Aug 30, 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 August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
2.972%
6-Month Forecast
2.972%
Range: 2.77% – 3.12%
12-Month Forecast
2.722%
Range: 2.52% – 2.87%
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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 | 1.344% | $67.22 | $134.43 | $336.08 | $672.15 |
| 6-Month CD | 2.461% | $123.07 | $246.13 | $615.32 | $1,230.65 |
| 12-Month CD | 2.972% | $148.61 | $297.22 | $743.05 | $1,486.10 |
| 18-Month CD | 3.312% | $165.59 | $331.18 | $827.95 | $1,655.90 |
| 24-Month CD | 3.051% | $152.56 | $305.11 | $762.78 | $1,525.55 |
| 36-Month CD | 2.738% | $136.90 | $273.80 | $684.50 | $1,369.00 |
| 48-Month CD | 2.864% | $143.19 | $286.37 | $715.93 | $1,431.85 |
| 60-Month CD | 2.810% | $140.52 | $281.03 | $702.57 | $1,405.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Albion, 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 | 1.344% | $67.22 |
| 2 | 6-Month CD | $5,000 | 2.461% | $123.07 |
| 3 | 12-Month CD | $5,000 | 2.972% | $148.61 |
| 4 | 24-Month CD | $5,000 | 3.051% | $152.56 |
| 5 | 36-Month CD | $5,000 | 2.738% | $136.90 |
| Total ($25,000 invested) | $25,000 | 2.513% blended | $628.36/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.
799
CD Rates
Tracked in Albion, Washington
Tracked in Albion, Washington
17 Banks
62 Credit Unions
About Our Albion, Washington CD Rate Database
MonitorBankRates tracks 799 CD rates from 17 banks and 62 credit unions with locations in Albion, 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 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Albion, Washington.
How to Find the Best CD Rates in Albion, Washington
What to compare when shopping for a CD in Albion, Washington
To find the best APYs in Albion, Washington, start with credit unions and online-only banks — Albion, Washington has 62 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 Albion, 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 Albion, Washington — 79 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Albion, Washington savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Albion, Washington money market rates
Washington Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$162/yr
At WA 12-mo avg 2.972% 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 2.972%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $162 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 Albion, 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 Albion, 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 Albion, 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 Albion, Washington as everywhere in the U.S.
Choosing a CD Term in Albion, 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 Albion, 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 Year at 4.10% 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 Albion, 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 Albion, 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 Albion, 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 Albion, 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 Albion, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Albion, 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 Albion, Washington
Are CD rates in Albion, Washington FDIC insured?
Yes, most established banks in Albion, 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 Albion, 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 Albion, 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 Albion, 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 Albion, Washington?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.60% APY (IRA CD 18 Months)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Firefighters First Federal Credit Union: 4.10% APY (2 Year)
- PrimeSource Credit Union: 4.10% APY (12 MONTH YOUTH CERTIFICATE)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Share Certificate)
- Pacific Crest SB: 4.00% APY (1 year)
- Yakima Federal S&L: 4.00% APY (12 Month CD)
- Governmental Employees Credit Union: 4.00% APY (9 & 18 months)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate | Wave Club)
- HSBC Bank USA: 3.95% APY (New Money CD 12 months)
Rates reflect recent verified offers available in Albion, Washington. Last Updated: August 28, 2026
Albion, Washington CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Albion, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Albion, Washington
Albion, Washington CD Calculator
At today’s WA top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Albion, Washington CD LadderWA CD rates currently range from 1.344% (3-month) to 2.738% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Albion, Washington CD at 4.60% 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 2.972% 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 Albion, 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 Albion, 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 Albion, 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: August 28, 2026
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