CD Rates Bothell, Washington (WA) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Bothell, Washington CD rates include Harborstone Credit UnionHarborstone Credit Union9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510A5.0 ★Texas Ratio: 7.16% offering Jumbo 12-Month Certificate at 3.15% APY, Wells FargoWells Fargo200 W Base St, Madison, FL 32340A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, BECU Boeing Employees Credit UnionBECU Boeing Employees Credit Union12770 Gateway Dr S, Tukwila, WA 98168A+5.0 ★Texas Ratio: 2.18% offering 60 Month Business CD at 1.15% APY, Northwest Plus Credit UnionNorthwest Plus Credit Union2821 Hewitt Ave, Everett, WA 98201A+5.0 ★Texas Ratio: 4.75% offering 12 Month Certificate of Deposit at 4.83% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union1520 W Colorado Blvd, Pasadena, CA 91105 1413A+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY.
To help you find the best CD rates in Bothell, Washington, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 22, 2026
Bothell, WA CD Rate Trends
Compare local Bothell, WA CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — WA Avg
2.858%
▲ 0.030 from last week
Washington 12-month CD rates rose 0.030 points this week to 2.858% APY, up from 2.828% last week.
6-Month CD — WA Avg
2.371%
▼ 0.800 from last week
Washington 6-month CD rates fell 0.800 points this week to 2.371% APY, down from 3.171% last week.
As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Bothell, Washington & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No minimum deposit.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
3 Month Share Certificates
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
313 Waldrip Street, Elma, WA 98541
3 MONTH CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
3 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 6-Month Certificate
$50,000
3.03%
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
6-Month Certificate
$500
2.93%
▼
Rate2.89%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
6 Month Certificate of Deposit
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
14985 Glazier Ave, Apple Valley, MN 55124
6-Month Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 22, 2026
Details
New money only.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
6 Month Promo CD
$500
3.85%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2919 E Mission AVE, Spokane, WA 99202 3624
6 Month Term Certificates and IRA Certificates
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 6 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wave Club
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate | Wave Club
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR 97201 3464
6 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.15%
▼
Rate3.10%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
12-Month Certificate
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 12-Month Certificate
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 12-Month Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83%
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit 12 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1411 E Mission Ave, Spokane, WA 99202 1902
1-year CD (Auto Renewing)
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). This rate applies to existing CDs at Avista CU that automatically renew/rollover for an additional 1-year term.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wave Club
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate | Wave Club
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month IRA Wave Club Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
12 Month Promo CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 18-Month Certificate
$50,000
2.56%
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Certificate
$500
2.41%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Fixed Rate IRA Certificate
$500
2.41%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 18-Month Certificate
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit 18 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
18-month GreenUp Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
18 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
IRA Share Certificates | 18 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
18 Month Certificate of Deposit and IRA Accounts
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
18 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼
Rate2.43%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
24-Month Certificate
$500
2.36%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wave Club
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate | Wave Club
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month IRA Wave Club Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit 24 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
24 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
36-Month Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 36-Month Certificate
$500
1.74%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit 36 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 3 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedMar 21, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificate of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificate Term
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Certificates 3 year
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
3-year (1x bump-up) IRA Share Certificate special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
48-Month Certificate
$500
1.79%
▼
Rate1.77%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
48 Month Certificate of Deposit and IRA Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Business Certificates of Deposit 48 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
IRA Accounts 48 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12770 Gateway Dr S, Tukwila, WA 98168
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
60 Month Promo CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
60 Month Certificate of Deposit and IRA Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
IRA Accounts 60 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Bothell, Washington
Are CD rates in Bothell, Washington FDIC insured?
Yes, most established banks in Bothell, 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 Bothell, 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 Bothell, 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 Bothell, 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 Bothell, Washington?
Here are recent top rates found for this area:
- Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Liberty Bank Poulsbo, WA: 4.07% APY (IRA Certificate of Deposit 12 Month)
- Avista Corp Credit Union: 4.00% APY (1-year CD (Auto Renewing))
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Certificate)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate)
- Idaho Central Credit Union: 3.95% APY (18 Month Promo CD)
- Austin Capital Bank: 3.91% APY (3 Month Certificate of Deposit)
- Wings Financial Credit Union: 3.90% APY (6-Month Certificate)
- Cornerstone Capital Bank, SSB: 3.85% APY (Consumer 3 Month CD)
Rates reflect recent verified offers available in Bothell, Washington. Last Updated: March 22, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bothell, Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Bothell, 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: March 22, 2026
