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CD Rate Trends

Carlton, Washington Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 19, 2026

Carlton, Washington CD rates from banks and credit unions serving Washington range from 0.05% to 5.12% APY, verified by MonitorBankRates as of October 19, 2026. Current Carlton, Washington CD rates include Spokane Media Federal Credit UnionSpokane Media Federal Credit UnionB+4.8 ★Texas Ratio: 17.28%Real return: +2.32%APY minus CPI (February 2026) offering Certificate Builder - 1 Year at 5.12% APY, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionB4.6 ★Texas Ratio: 20.11%Real return: +1.95%APY minus CPI (February 2026) offering Share Certificate - 24 Month at 4.75% APY, HSBC Bank USAHSBC Bank USAA+5.0 ★Texas Ratio: 4.86%Real return: +1.80%APY minus CPI (February 2026) offering 24 Month New Money CD at 4.60% APY, Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month Certificate Accounts at 4.60% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.

Carlton is a smaller community with no bank or credit union branches currently in our database. 784 institutions serving the Washington area are available to Carlton residents, with CD rates as high as 5.12% APY from Spokane Media Federal Credit Union. Rates are continually updated, so 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: October 19, 2026

Compare Best CD Rates in Carlton, Washington & the Surrounding Area

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Carlton 3 Month CD Rates

Washington 3 Month CD Average2.42% APYNational 2.12%▲ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.16% above Washington avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.42%▲ 2.16% above avgNationally 2.12%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 19, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.58% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.58% above avgNationally 2.12%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 19, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85% ▲ 1.43% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.42%▲ 1.43% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 19, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82% ▲ 1.40% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.42%▲ 1.40% above avgNationally 2.12%
Details

Balance: $500+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
3.07%3.70%4.32%Sep 12, 2026: 3.57% APYSep 18, 2026: 3.82% APYSep 12, 2026Oct 19, 2026
  • Sep 18, 20263.82%▲ from 3.57%
  • Sep 12, 20263.57%first recorded
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Month Share Certificates
$0
3.82% ▲ 1.40% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.42%▲ 1.40% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 19, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.18% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.18% above avgNationally 2.12%
Details

Balance: $1,000+

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 19, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55% ▲ 1.13% above Washington avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.13% above avgNationally 2.12%
Details

Dividends Compounded Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 19, 2026
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month CD
$0
3.51% ▲ 1.09% above Washington avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.09% above avgNationally 2.12%
Details

Maximum of $2.5 million per customer; other restrictions may apply; available to customers age 16 or greater; penalty for early withdrawal

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 19, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term
$1,000
3.51% ▲ 1.09% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.09% above avgNationally 2.12%
Details

Compounds: Monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 19, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50% ▲ 1.08% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.08% above avgNationally 2.12%
Details

CD Term (Minimum Balance $500); Accurate as of 09/30/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.08% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.08% above avgNationally 2.12%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 19, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 90 Day Fixed Rate
$100
3.50% ▲ 1.08% above Washington avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.08% above avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50% ▲ 1.08% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.08% above avgNationally 2.12%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 3 month
$1,000
3.50% ▲ 1.08% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▲ 1.08% above avgNationally 2.12%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 19, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$1,000
3.45% ▲ 1.03% above Washington avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 1.03% above avgNationally 2.12%
Details

Prospective; *Not available for IRA accounts

Rate History
No change since Oct 10, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$2,500
3.40% ▲ 0.98% above Washington avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.98% above avgNationally 2.12%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40% ▲ 0.98% above Washington avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.42%▲ 0.98% above avgNationally 2.12%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.30% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.88% above avgNationally 2.12%
Details

Balance tier: min. balance $100,000

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15% ▲ 0.73% above Washington avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.73% above avgNationally 2.12%
Details

$25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.15% APYSep 15, 2026Oct 19, 2026
  • Oct 14, 20263.15%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.15% ▲ 0.73% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.73% above avgNationally 2.12%
Details

Balance tier: min. balance $50,000

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 19, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$50,000
3.10% ▲ 0.68% above Washington avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.68% above avgNationally 2.12%
Details

$50,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.10% APYSep 15, 2026Oct 19, 2026
  • Oct 14, 20263.10%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.05% ▲ 0.63% above Washington avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.63% above avgNationally 2.12%
Details

$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 19, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Business 3-Month CD
$500
3.04% ▲ 0.62% above Washington avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.62% above avgNationally 2.12%
Details

APY offered as of 1/1/2026

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 19, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01% ▲ 0.59% above Washington avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.59% above avgNationally 2.12%
Details

Dividend Rate; $25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
2.46%2.98%3.51%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 3.01% APYSep 15, 2026Oct 19, 2026
  • Oct 14, 20263.01%▲ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$1,000
3.00% ▲ 0.58% above Washington avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.58% above avgNationally 2.12%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 19, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.00% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.58% above avgNationally 2.12%
Details

Balance tier: min. balance $500

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 19, 2026
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
90 Day Certificate
$500
3.00% ▲ 0.58% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.58% above avgNationally 2.12%
Details

Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 19, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 3-Month Certificate
$1,000
2.96% ▲ 0.54% above Washington avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▲ 0.54% above avgNationally 2.12%
Details

Effective Date: 02/04/2026

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 19, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Business Certificates - 3 Month
$0
2.50% ▲ 0.08% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▲ 0.08% above avgNationally 2.12%
Details

Dividend Rate 2.47%; Early withdrawal penalties apply

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 19, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Certificate Accounts - 3 Month
$0
2.50% ▲ 0.08% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▲ 0.08% above avgNationally 2.12%
Details

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 19, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 3 Month Certificate
$500
2.50% ▲ 0.08% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.42%▲ 0.08% above avgNationally 2.12%
Details

Traditional Certificates

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.35% ▼ 0.07% below Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.07% below avgNationally 2.12%
Details

Balance: $75,000+

Rate History
No change since Oct 14, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 14, 2026: 2.35% APYOct 14, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.35% ▼ 0.07% below Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.07% below avgNationally 2.12%
Details

Balance: $75,000+

Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 5 times
1.85%2.35%2.85%Sep 22, 2026: 2.35% APYSep 22, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.30% ▼ 0.12% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.12% below avgNationally 2.12%
Details

Balance: $25,000-$74,999

Rate History
No change since Oct 14, 2026 · 2.30% APY
1.80%2.30%2.80%Oct 14, 2026: 2.30% APYOct 14, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.30% ▼ 0.12% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.12% below avgNationally 2.12%
Details

Balance: $25,000-$74,999

Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 5 times
1.80%2.30%2.80%Sep 22, 2026: 2.30% APYSep 22, 2026Oct 19, 2026
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
3 Month Fixed CD
$100
2.25% ▼ 0.17% below Washington avg
View
▼
Rate2.23%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.17% below avgNationally 2.12%
Details

Method of Compounding: Daily

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 19, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Business Jumbo Certificate of Deposit
$100,000
2.25% ▼ 0.17% below Washington avg
View
▼
Rate2.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.17% below avgNationally 2.12%
Details

Without Checking rate; Interest is compounded monthly; Early withdrawals are subject to a penalty

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 19, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Jumbo Certificate of Deposit
$0
2.25% ▼ 0.17% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.17% below avgNationally 2.12%
Details

Without Checking rate; Jumbo Certificates of Deposit $100,000 minimum

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.25% ▼ 0.17% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.17% below avgNationally 2.12%
Details

Balance: $0-$999

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.25% ▼ 0.17% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.17% below avgNationally 2.12%
Details

Balance: $0-$999

Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 22, 2026: 2.25% APYSep 22, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$0
2.00% ▼ 0.42% below Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.42% below avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 19, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.00% ▼ 0.42% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.42% below avgNationally 2.12%
Details

Without Checking

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 19, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.00% ▼ 0.42% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.42% below avgNationally 2.12%
Details

Personal Certificates of Deposit; Without Checking

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 19, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Traditional & Roth IRA Certificates of Deposit - 3 months - OnPoint Rewards
$1,000
1.80% ▼ 0.62% below Washington avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▼ 0.62% below avgNationally 2.12%
Details

OnPoint Rewards rate; additional products and services required to qualify; 10-year relationship with OnPoint and 6 qualified transactions per monthly cycle; Subsequent deposits can be made on traditional and Roth IRA certificates of deposit

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 19, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Business Certificate of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.67% below Washington avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▼ 0.67% below avgNationally 2.12%
Details

Requires OnPoint Rewards; Rates effective 10-18-2026; APY assumes interest remains on deposit until maturity; early withdrawal penalty applies

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 19, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.67% below Washington avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▼ 0.67% below avgNationally 2.12%
Details

OnPoint Rewards: requires 10-year relationship with OnPoint and 6 qualified transactions per monthly cycle

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 19, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificates of Deposit - 3 months - OnPoint Rewards
$1,000
1.75% ▼ 0.67% below Washington avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▼ 0.67% below avgNationally 2.12%
Details

OnPoint Rewards: 10-year relationship with OnPoint and 6 qualified transactions per monthly cycle; subsequent deposits of $100 or more

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.87% below Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.87% below avgNationally 2.12%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 19, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Traditional & Roth IRA Certificates of Deposit - 3 months
$1,000
1.55% ▼ 0.87% below Washington avg
View
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.42%▼ 0.87% below avgNationally 2.12%
Details

Subsequent deposits can be made on traditional and Roth IRA certificates of deposit

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.92% below Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.42%▼ 0.92% below avgNationally 2.12%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 19, 2026

Carlton 6 Month CD Rates

Washington 6 Month CD Average3.14% APYNational 2.79%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.16% above Washington avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.14%▲ 1.16% above avgNationally 2.79%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 19, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 1.01% above avgNationally 2.79%
Details

Promotional CD available only October 6 - December 31, 2026; new deposits only; $10,000 minimum deposit to open and earn the APY; upon maturity renews once at 3.65% (3.68% APY) for the same 6-month term; early withdrawal penalty may apply

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 19, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.10% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.96% above avgNationally 2.79%
Details

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 27, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 27, 2026Oct 19, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
4.10% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.96% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 14, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08% ▲ 0.94% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.94% above avgNationally 2.79%
Details

Balance: $500+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 12, 2026: 3.82% APYSep 18, 2026: 4.08% APYSep 12, 2026Oct 19, 2026
  • Sep 18, 20264.08%▲ from 3.82%
  • Sep 12, 20263.82%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 6 month
$50,000
4.05% ▲ 0.91% above Washington avg
View
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.91% above avgNationally 2.79%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 14, 2026: 4.05% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD - Wealth Center/Telephone
$1,000
4.00% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 19, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 6 Month CD
$500
4.00% ▲ 0.86% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 6 Month Youth
$0
4.00% ▲ 0.86% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Youth Certificate Special; Members under age 18 only; opens for as little as $100 (up to $500)

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit
$50,000
4.00% ▲ 0.86% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 22, 2026: 3.60% APYOct 14, 2026: 4.00% APYSep 22, 2026Oct 19, 2026
  • Oct 14, 20264.00%▲ from 3.60%
  • Sep 22, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Jumbo Certificates of Deposit
$50,000
4.00% ▲ 0.86% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.79%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.81% above Washington avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.81% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.95% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.81% above avgNationally 2.79%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 6 month
$1,000
3.90% ▲ 0.76% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.76% above avgNationally 2.79%
Details

Bump Option: Not Eligible; Effective as of October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.50% APYOct 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.90%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.80% ▲ 0.66% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.79%
Details

Balance: $500.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Certificate of Deposit
$1,000
3.80% ▲ 0.66% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.79%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 22, 2026: 3.40% APYOct 10, 2026: 3.80% APYSep 22, 2026Oct 19, 2026
  • Oct 10, 20263.80%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Certificate
$1,000
3.80% ▲ 0.66% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.79%
Details

Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 19, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Featured rate, earn up to 3.75% APY; APY effective 10/13/2026; maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day Certificate of Deposit - Relationship
$500
3.75% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Relationship Account APY: requires an open, actively used consumer or business checking account with the bank; early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Term Certificates
$0
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Balance: $5,000

Rate History
1 change since Sep 21, 2026 · 1.00% → 3.75% ▲ 2.75 pts · high 3.75% / low 1.00%
0.00%3.25%6.50%Sep 21, 2026: 1.00% APYOct 5, 2026: 3.75% APYSep 21, 2026Oct 19, 2026
  • Oct 5, 20263.75%▲ from 1.00%
  • Sep 21, 20261.00%first recorded
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Term Certificates - 6 Months
$0
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Balance: $5,000

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Traditional/Roth IRA Certificate
$100,000
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Sep 18, 20263.75%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 month IRA Certificate
$500
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 90 days' dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 19, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6-month Certificate - Wave Club
$0
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 19, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates and IRA Certificates - 6 Month Term
$0
3.75% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Balance: $500.00; Minimum balance to open and earn stated APY

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75% ▲ 0.61% above Washington avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.79%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70% ▲ 0.56% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.56% above avgNationally 2.79%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Traditional/Roth IRA Certificate
$50,000
3.70% ▲ 0.56% above Washington avg
View
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.56% above avgNationally 2.79%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Share Certificates
$0
3.70% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.56% above avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 27, 2026: 3.70% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 6 Months
$0
3.70% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.56% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Super Share Certificate
$50,000
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Traditional/Roth IRA Certificates
$1,000
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 21, 2026: 3.70% APYOct 19, 2026: 3.65% APYSep 21, 2026Oct 19, 2026
  • Oct 19, 20263.65%▼ from 3.70%
  • Sep 21, 20263.70%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
6 Month Business Jumbo Certificate
$0
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 19, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Jumbo Certificates - 6 Month
$0
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
6-Month Certificate
$0
3.65% ▲ 0.51% above Washington avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.79%
Details

IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
2.45%3.35%4.25%Sep 18, 2026: 3.05% APYOct 14, 2026: 3.65% APYSep 18, 2026Oct 19, 2026
  • Oct 14, 20263.65%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 6 Months Jumbo
$100,000
3.64% ▲ 0.50% above Washington avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.50% above avgNationally 2.79%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 15, 2026: 3.64% APYOct 15, 2026Oct 19, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 6 Month BUMP
$500
3.61% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.47% above avgNationally 2.79%
Details

Dividends paid monthly

Rate History
No change since Oct 14, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 19, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6 Month Certificate of Deposit
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Minimum Balance $500; Accurate as of 09/30/2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 2, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 6 months
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 2, 2026: 3.60% APYOct 2, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Jumbo Certificates of Deposit
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 19, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Balance: $1,000+

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 19, 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 Month Jumbo Certificate
$60,000
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.60%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Jumbo; Early withdrawal penalty: 90 days dividends on amount withdrawn

Rate History
1 change since Sep 12, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 12, 2026: 3.10% APYOct 15, 2026: 3.60% APYSep 12, 2026Oct 19, 2026
  • Oct 15, 20263.60%▲ from 3.10%
  • Sep 12, 20263.10%first recorded
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Month Stash Certificate (Add-On)
$50
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.55%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Add-on savings certificate; Early Withdrawal Penalty: 90 days' dividends; Effective 10/16/2026

Rate History
No change since Oct 19, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 Month Share Certificates
$1,000
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Membership eligibility required; Penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 6 Month
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Fixed Rate; Add-on deposits in $100 increments allowed through the term

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 6 Month
$0
3.60% ▲ 0.46% above Washington avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.79%
Details

Fixed Rate

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 19, 2026

Carlton 12 Month CD Rates

Washington 12 Month CD Average3.33% APYNational 3.01%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
Certificate Builder - 1 Year
$1
5.12% ▲ 1.79% above Washington avg
View
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 1.79% above avgNationally 3.01%
Details

Balance: $1.00 to $5,000.00; Limit one active Certificate Builder per member; Build balance with monthly contributions up to $5,000 by maturity; Not available for online purchase

Rate History
No change since Oct 15, 2026 · 5.12% APY
4.62%5.12%5.62%Oct 15, 2026: 5.12% APYOct 15, 2026Oct 19, 2026
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Share Certificates
$0
4.55% ▲ 1.22% above Washington avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 1.22% above avgNationally 3.01%
Details

Rates effective 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD Special
$1,000
4.50% ▲ 1.17% above Washington avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 1.17% above avgNationally 3.01%
Details

Membership eligibility required; Penalties for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 19, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificates - CD Special
$500
4.50% ▲ 1.17% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 1.17% above avgNationally 3.01%
Details

CD SPECIAL

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 19, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Youth Certificates
$100
4.50% ▲ 1.17% above Washington avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 1.17% above avgNationally 3.01%
Details

Balance: $100.00-$2,000.00; Certificate must be opened on an account where the primary member is 18 years or younger; one deposit per month, minimum $25.00; one youth certificate per member; rolls over to regular youth certificate at maturity; transfers to primary share account at maturity once primary member reaches age 19

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.50% ▲ 1.17% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 1.17% above avgNationally 3.01%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 14, 2026: 4.00% APYOct 10, 2026: 3.60% APYOct 14, 2026: 4.50% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.50%▲ from 3.60%
  • Oct 10, 20263.60%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.40% ▲ 1.07% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 1.07% above avgNationally 3.01%
Details

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 27, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 27, 2026Oct 19, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 27, 20264.35%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 1.05% above Washington avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.33%▲ 1.05% above avgNationally 3.01%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 Month
$1,000
4.38% ▲ 1.05% above Washington avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.33%▲ 1.05% above avgNationally 3.01%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.02% above Washington avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.35% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 14, 2026: 3.85% APYOct 10, 2026: 3.45% APYOct 14, 2026: 4.35% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.35%▲ from 3.45%
  • Oct 10, 20263.45%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.33% ▲ 1.00% above Washington avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 1.00% above avgNationally 3.01%
Details

Balance: $100,000+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 12, 2026: 4.07% APYSep 18, 2026: 4.33% APYSep 12, 2026Oct 19, 2026
  • Sep 18, 20264.33%▲ from 4.07%
  • Sep 12, 20264.07%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD - Wealth Center/Telephone
$1,000
4.30% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.97% above avgNationally 3.01%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 19, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.97% above avgNationally 3.01%
Details

Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 1 year
$50,000
4.26% ▲ 0.93% above Washington avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.93% above avgNationally 3.01%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
3.30%4.03%4.76%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.26% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.26%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.24% ▲ 0.91% above Washington avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 0.91% above avgNationally 3.01%
Details

Balance: $500 to $99,999; Early withdrawal penalties may apply

Rate History
No change since Oct 4, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Oct 4, 2026: 4.24% APYOct 4, 2026Oct 19, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 1 year
$2,000
4.20% ▲ 0.87% above Washington avg
View
▼
Rate4.11%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.87% above avgNationally 3.01%
Details

APY assumes interest remains on deposit until maturity; early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 8, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.20% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.87% above avgNationally 3.01%
Details

Balance: $500.00 - $49,999.99

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.30%
2.40%3.75%5.10%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.30% APYOct 14, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.20%▲ from 3.30%
  • Oct 10, 20263.30%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
1-Year CD / IRA CD
$0
4.17% ▲ 0.84% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.84% above avgNationally 3.01%
Details

Relationship rate; Terms and conditions apply. Compare all CD rates and terms at fsbwa.com/rates

Rate History
1 change since Oct 8, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Oct 8, 2026: 3.85% APYOct 14, 2026: 4.17% APYOct 8, 2026Oct 19, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Oct 8, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year CD
$500
4.17% ▲ 0.84% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 0.84% above avgNationally 3.01%
Details

Featured rate, earn up to 4.17% APY; APY effective 10/13/2026; maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Sep 14, 2026: 3.85% APYOct 14, 2026: 4.17% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year Certificate of Deposit - Relationship
$500
4.17% ▲ 0.84% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 0.84% above avgNationally 3.01%
Details

Relationship Account APY: requires an open, actively used consumer or business checking account with the bank; early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 14, 2026: 4.17% APYOct 14, 2026Oct 19, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificates of Deposit - 12 Month
$1,000
4.15% ▲ 0.82% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

APYs effective as of 10/7/26; interest compounded daily, paid quarterly; penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 19, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit (CD) - 12 Month
$1,000
4.15% ▲ 0.82% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Available nationwide; Interest compounded daily, paid quarterly; Penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 19, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 12 Month CD
$500
4.15% ▲ 0.82% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.82% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year Business Jumbo Certificate of Deposit
$50,000
4.15% ▲ 0.82% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 22, 2026: 3.70% APYOct 14, 2026: 4.15% APYSep 22, 2026Oct 19, 2026
  • Oct 14, 20264.15%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year Jumbo Certificates of Deposit
$50,000
4.15% ▲ 0.82% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 14, 2026: 4.15% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 1 year
$1,000
4.11% ▲ 0.78% above Washington avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.78% above avgNationally 3.01%
Details

Bump Option: Not Eligible; Effective as of October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.11% ▲ 0.45 pts · high 4.11% / low 3.66%
3.16%3.89%4.61%Sep 14, 2026: 3.66% APYOct 14, 2026: 4.11% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.11%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.77% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.77% above avgNationally 3.01%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
4.10% ▲ 0.77% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.77% above avgNationally 3.01%
Details

APY tier: min. balance $100,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 14, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.72% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.72% above avgNationally 3.01%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 12 Month
$0
4.05% ▲ 0.72% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 0.72% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 19, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
12 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.05% ▲ 0.72% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.72% above avgNationally 3.01%
Details

Balance: $0-$999; Nonprofit organizations only; new money required for promotional rate; Effective dates: 10/12/26 - 10/18/26

Rate History
No change since Oct 10, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 10, 2026: 4.05% APYOct 10, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 19, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Platinum TCD
$0
4.00% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

GBC 50th Anniversary Special!

Rate History
1 change since Sep 7, 2026 · 3.88% → 4.00% ▲ 0.12 pts · high 4.00% / low 3.88%
3.38%3.94%4.50%Sep 7, 2026: 3.88% APYSep 19, 2026: 4.00% APYSep 7, 2026Oct 19, 2026
  • Sep 19, 20264.00%▲ from 3.88%
  • Sep 7, 20263.88%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.67% above Washington avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$0
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 12 month
$1,000
4.00% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12-month Certificate - Wave Club
$0
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12-month IRA Wave Club Certificate
$500
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 12 Month
$0
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Fixed Rate; Add-on deposits in $100 increments allowed through the term

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 14, 2026: 3.30% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.00%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 12 Month
$0
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Fixed Rate

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
4.00% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Balance tier: min. balance $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Term Certificates - 12-Months
$0
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Compounded/Paid Monthly

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 30, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 30, 2026Oct 19, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00% ▲ 0.67% above Washington avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
3.95% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.62% above avgNationally 3.01%
Details

APY tier: min. balance $50,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
3.10%3.78%4.45%Sep 14, 2026: 3.60% APYOct 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.95%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 12 Months Jumbo
$100,000
3.93% ▲ 0.60% above Washington avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.33%▲ 0.60% above avgNationally 3.01%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 15, 2026: 3.93% APYOct 15, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.58% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 0.58% above avgNationally 3.01%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 10 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.58% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.33%▲ 0.58% above avgNationally 3.01%
Details

($100,000.00 and over) tier; Dividend Rate 3.84%

Rate History
No change since Oct 9, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 9, 2026: 3.91% APYOct 9, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year Business Certificate of Deposit
$1,000
3.90% ▲ 0.57% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.33%▲ 0.57% above avgNationally 3.01%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Sep 22, 2026: 3.45% APYOct 10, 2026: 3.90% APYSep 22, 2026Oct 19, 2026
  • Oct 10, 20263.90%▲ from 3.45%
  • Sep 22, 20263.45%first recorded

Carlton 18 Month CD Rates

Washington 18 Month CD Average3.23% APYNational 2.88%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.60% ▲ 1.37% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 1.37% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
3.60%4.35%5.10%Sep 14, 2026: 4.10% APYOct 14, 2026: 4.60% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.60%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.45% ▲ 1.22% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 1.22% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.45% ▲ 0.50 pts · high 4.45% / low 3.95%
3.45%4.20%4.95%Sep 14, 2026: 3.95% APYOct 14, 2026: 4.45% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.45%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.30% ▲ 1.07% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 1.07% above avgNationally 2.88%
Details

Balance: $500.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.30% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 0.97% above Washington avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.23%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.97% above Washington avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 0.95% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.95% above avgNationally 2.88%
Details

GBC 50th Anniversary Special!

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 19, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.92% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15% ▲ 0.92% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.92% above avgNationally 2.88%
Details

Special Rate!; dividends compounded monthly; dividends credited monthly

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
2.97%3.86%4.74%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20264.15%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 19, 2026
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10% ▲ 0.87% above Washington avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Featured Deposit Rates

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 19, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 18 Month
$0
4.10% ▲ 0.87% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 18 Month
$0
4.10% ▲ 0.87% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Fixed Rate

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.10% ▲ 1.10 pts · high 4.10% / low 3.00%
1.90%3.55%5.20%Sep 14, 2026: 3.00% APYOct 14, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 18 Month
$0
4.10% ▲ 0.87% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Fixed Rate

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
4.10% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Balance tier: min. balance $100,000

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 18 Months
$0
4.10% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.87% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit (CD) - 18 Month
$1,000
4.05% ▲ 0.82% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.82% above avgNationally 2.88%
Details

At maturity, the account auto-renews to a regular 12 month CD and subsequent renewals are also 12 months; Available nationwide; Interest compounded daily, paid quarterly; Penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 0.77% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Sep 18, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 18 month
$1,000
4.00% ▲ 0.77% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.77% above avgNationally 2.88%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18-month Certificate Special
$0
4.00% ▲ 0.77% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.77% above avgNationally 2.88%
Details

Special Certificates

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.95% ▲ 0.72% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.72% above avgNationally 2.88%
Details

Balance tier: min. balance $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 0.67% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.67% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 19, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.62% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.62% above avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 18 Months Jumbo
$100,000
3.80% ▲ 0.57% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.57% above avgNationally 2.88%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.80% ▲ 0.57% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.57% above avgNationally 2.88%
Details

Balance tier: min. balance $500

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18-Month
$500
3.75% ▲ 0.52% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit
$0
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Certificate of Deposit - 18 Month
$500
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

$500.00 minimum to open and minimum balance to obtain APY (footnote 3); rates assume principal and interest remain on deposit for entire term; penalty may be applied for early withdrawal

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 19, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Individual Retirement Accounts - 18 Month
$500
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

IRA certificate; $500.00 minimum to open and minimum balance to obtain APY (footnote 3); rates assume principal and interest remain on deposit for entire term; penalty may be applied for early withdrawal

Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 19, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month IRA Share Certificates
$1,000
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month Promotional Share Certificates
$5,000
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Opening & Min. Balance Req. $5,000+

Rate History
No change since Oct 15, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 19, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate, 18 month
$1,000
3.75% ▲ 0.52% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 19, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Term Certificates - 18-Months
$0
3.75% ▲ 0.52% above Washington avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.52% above avgNationally 2.88%
Details

Compounded/Paid Monthly

Rate History
1 change since Sep 30, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 30, 2026: 3.25% APYOct 10, 2026: 3.75% APYSep 30, 2026Oct 19, 2026
  • Oct 10, 20263.75%▲ from 3.25%
  • Sep 30, 20263.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.47% above Washington avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.47% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Month Money Builder Certificate
$25
3.68% ▲ 0.45% above Washington avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.45% above avgNationally 2.88%
Details

Up to 3.68% APY; add-on certificate with unlimited additional deposits of $25 or more; dividends compound monthly

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificates of Deposit
$2,500
3.65% ▲ 0.42% above Washington avg
View
▼
Rate3.59%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.42% above avgNationally 2.88%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 19, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Super Share Certificate
$50,000
3.65% ▲ 0.42% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 19, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$0
3.60% ▲ 0.37% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.37% above avgNationally 2.88%
Details

Balance: $1,000+

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month IRA Certificate
$500
3.60% ▲ 0.37% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month Share Certificates
$1,000
3.60% ▲ 0.37% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.37% above avgNationally 2.88%
Details

Membership eligibility required; Penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - 18 months
$500
3.60% ▲ 0.37% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificates of Deposit - 18 Months
$0
3.55% ▲ 0.32% above Washington avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.32% above avgNationally 2.88%
Details

Early withdrawal penalty: 180 days' interest

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 18 Months
$500
3.55% ▲ 0.32% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.32% above avgNationally 2.88%
Details

Minimum Monthly Balance $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 19, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Share Certificate
$500
3.55% ▲ 0.32% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 19, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.32% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.32% above avgNationally 2.88%
Details

Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply; Any CD can be used for an IRA

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 19, 2026
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
18 Month Certificate
$0
3.50% ▲ 0.27% above Washington avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average3.23%▲ 0.27% above avgNationally 2.88%
Details

Dividend Rate 3.455%; APY* 3.50%

Rate History
1 change since Sep 25, 2026 · 2.90% → 3.50% ▲ 0.60 pts · high 3.50% / low 2.90%
2.30%3.20%4.10%Sep 25, 2026: 2.90% APYOct 15, 2026: 3.50% APYSep 25, 2026Oct 19, 2026
  • Oct 15, 20263.50%▲ from 2.90%
  • Sep 25, 20262.90%first recorded
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 month IRA Certificate
$500
3.50% ▲ 0.27% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.27% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 days' dividends

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 19, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
  • Oct 19, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate
$1,000
3.50% ▲ 0.27% above Washington avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Roth IRA / IRA Certificate
$250
3.50% ▲ 0.27% above Washington avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.23%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates and IRA Certificates - 18 Month Term
$0
3.50% ▲ 0.27% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.23%▲ 0.27% above avgNationally 2.88%
Details

Balance: $500.00; Minimum balance to open and earn stated APY

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 19, 2026

Carlton 24 Month CD Rates

Washington 24 Month CD Average2.92% APYNational 2.90%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 24 Month
$0
4.75% ▲ 1.83% above Washington avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 1.83% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 15, 2026: 4.75% APYOct 15, 2026Oct 19, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.60% ▲ 1.68% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.68% above avgNationally 2.90%
Details

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 19, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 2 year
$50,000
4.46% ▲ 1.54% above Washington avg
View
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.54% above avgNationally 2.90%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
3.14%4.13%5.12%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.46% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.46%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD - Wealth Center/Telephone
$1,000
4.40% ▲ 1.48% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 19, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.48% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Jumbo Certificate of Deposit
$50,000
4.35% ▲ 1.43% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 22, 2026: 3.70% APYOct 14, 2026: 4.35% APYSep 22, 2026Oct 19, 2026
  • Oct 14, 20264.35%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Jumbo Certificates of Deposit
$50,000
4.35% ▲ 1.43% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Bump Option: Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 14, 2026: 4.35% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 2 year
$1,000
4.31% ▲ 1.39% above Washington avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.39% above avgNationally 2.90%
Details

Bump Option: Eligible; Effective as of October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
3.01%3.99%4.96%Sep 14, 2026: 3.66% APYOct 14, 2026: 4.31% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.31%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.30% ▲ 1.38% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.38% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.40%
2.50%3.85%5.20%Sep 14, 2026: 3.80% APYOct 10, 2026: 3.40% APYOct 14, 2026: 4.30% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.30%▲ from 3.40%
  • Oct 10, 20263.40%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25% ▲ 1.33% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 2 year
$2,000
4.25% ▲ 1.33% above Washington avg
View
▼
Rate4.16%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.33% above avgNationally 2.90%
Details

APY assumes interest remains on deposit until maturity; early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 8, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Oct 8, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25% ▲ 1.33% above Washington avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25% ▲ 1.33% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Balance: $0-$999; Nonprofit organizations only; new money required for promotional rate; Effective dates: 10/12/26 - 10/18/26

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.15% ▲ 1.23% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.23% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.25%
2.35%3.70%5.05%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.25% APYOct 14, 2026: 4.15% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.15%▲ from 3.25%
  • Oct 10, 20263.25%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.18% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Certificate of Deposit
$1,000
4.10% ▲ 1.18% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 22, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 19, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Certificate
$1,000
4.10% ▲ 1.18% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificates
$0
4.10% ▲ 1.18% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 24 Months
$0
4.10% ▲ 1.18% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 1.13% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.13% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYSep 18, 2026: 4.05% APYSep 14, 2026Oct 19, 2026
  • Sep 18, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 1.08% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.08% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 24 month
$1,000
4.00% ▲ 1.08% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate - Wave Club
$0
4.00% ▲ 1.08% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month IRA Wave Club Certificate
$500
4.00% ▲ 1.08% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.00% ▲ 1.08% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Balance: $500.00 - $49,999.99

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.10%
2.20%3.55%4.90%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.10% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20264.00%▲ from 3.10%
  • Oct 10, 20263.10%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 1.03% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90% ▲ 0.98% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.92%▲ 0.98% above avgNationally 2.90%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.90% ▲ 0.98% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.98% above avgNationally 2.90%
Details

APY tier: min. balance $100,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificates of Deposit - 24 Month
$1,000
3.85% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.93% above avgNationally 2.90%
Details

APYs effective as of 10/7/26; interest compounded daily, paid quarterly; penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit (CD) - 24 Month
$1,000
3.85% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Available nationwide; Interest compounded daily, paid quarterly; Penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$50,000
3.85% ▲ 0.93% above Washington avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; * penalty may be imposed for early withdrawal

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.85% ▲ 0.29 pts · high 3.85% / low 3.56%
3.06%3.71%4.35%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 19, 2026
  • Oct 9, 20263.85%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Jumbo Certificates of Deposit
$0
3.80% ▲ 0.88% above Washington avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 24 Month
$0
3.80% ▲ 0.88% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Fixed Rate

Rate History
1 change since Sep 14, 2026 · 2.85% → 3.80% ▲ 0.95 pts · high 3.80% / low 2.85%
1.90%3.33%4.75%Sep 14, 2026: 2.85% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.80%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 24 Month
$0
3.80% ▲ 0.88% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Fixed Rate

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.80% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Balance tier: min. balance $100,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 24 Months Jumbo
$100,000
3.75% ▲ 0.83% above Washington avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$5,000
3.75% ▲ 0.83% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.75% ▲ 0.19 pts · high 3.75% / low 3.56%
3.06%3.66%4.25%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.75% APYSep 21, 2026Oct 19, 2026
  • Oct 9, 20263.75%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate
$0
3.75% ▲ 0.83% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Standard Certificates

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month IRA Certificate
$500
3.75% ▲ 0.83% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

IRA Certificates

Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.75% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

APY tier: min. balance $50,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
24-Month Certificate
$0
3.75% ▲ 0.83% above Washington avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.83% above avgNationally 2.90%
Details

IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.75% ▲ 0.85 pts · high 3.75% / low 2.90%
2.05%3.32%4.60%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.75% APYSep 18, 2026Oct 19, 2026
  • Oct 14, 20263.75%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 0.78% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.78% above avgNationally 2.90%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificates of Deposit
$2,500
3.70% ▲ 0.78% above Washington avg
View
▼
Rate3.64%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.78% above avgNationally 2.90%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66% ▲ 0.74% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.74% above avgNationally 2.90%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 19, 2026
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
24 Month Certificate
$0
3.65% ▲ 0.73% above Washington avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Dividend Rate 3.601%; APY* 3.65%

Rate History
1 change since Sep 25, 2026 · 2.75% → 3.65% ▲ 0.90 pts · high 3.65% / low 2.75%
1.85%3.20%4.55%Sep 25, 2026: 2.75% APYOct 15, 2026: 3.65% APYSep 25, 2026Oct 19, 2026
  • Oct 15, 20263.65%▲ from 2.75%
  • Sep 25, 20262.75%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Super Share Certificate
$50,000
3.65% ▲ 0.73% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$500
3.65% ▲ 0.73% above Washington avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Dividends compounded monthly; dividends credited monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.65% ▲ 0.09 pts · high 3.65% / low 3.56%
3.06%3.61%4.15%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.65% APYSep 21, 2026Oct 19, 2026
  • Oct 9, 20263.65%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.65% ▲ 0.73% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Balance tier: min. balance $50,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 19, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate
$1,000
3.65% ▲ 0.73% above Washington avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Prospective

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 19, 2026

Carlton 36 Month CD Rates

Washington 36 Month CD Average2.76% APYNational 2.82%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Share Certificates
$500
4.50% ▲ 1.74% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 1.74% above avgNationally 2.82%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly

Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 15, 2026: 4.50% APYOct 15, 2026Oct 19, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25% ▲ 1.49% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.76%▲ 1.49% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificates
$0
4.20% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.44% above avgNationally 2.82%
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 36 Months
$0
4.20% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.44% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.39% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.39% above avgNationally 2.82%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.34% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 19, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 36 Month
$0
4.05% ▲ 1.29% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 1.29% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.24% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 1.24% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Sep 18, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Share Certificates
$0
4.00% ▲ 1.24% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Rates effective 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 1.19% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.19% above avgNationally 2.82%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificate
$50,000
3.95% ▲ 1.19% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.19% above avgNationally 2.82%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$50,000
3.90% ▲ 1.14% above Washington avg
View
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 1.14% above avgNationally 2.82%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; * penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61%
3.11%3.76%4.40%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20263.90%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 1.14% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.14% above avgNationally 2.82%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 1.14% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 1.14% above avgNationally 2.82%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 19, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificates of Deposit - 36 Month
$1,000
3.85% ▲ 1.09% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.09% above avgNationally 2.82%
Details

APYs effective as of 10/7/26; interest compounded daily, paid quarterly; penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit (CD) - 36 Month
$1,000
3.85% ▲ 1.09% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.09% above avgNationally 2.82%
Details

Available nationwide; Interest compounded daily, paid quarterly; Penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Jumbo Certificates of Deposit
$0
3.85% ▲ 1.09% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.09% above avgNationally 2.82%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
36-Month Certificate
$0
3.85% ▲ 1.09% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 1.09% above avgNationally 2.82%
Details

IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
1.95%3.38%4.80%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.85% APYSep 18, 2026Oct 19, 2026
  • Oct 14, 20263.85%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 36 Months Jumbo
$100,000
3.80% ▲ 1.04% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 1.04% above avgNationally 2.82%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 19, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$5,000
3.80% ▲ 1.04% above Washington avg
View
▼
Rate3.74%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 1.04% above avgNationally 2.82%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.80% ▲ 0.19 pts · high 3.80% / low 3.61%
3.11%3.71%4.30%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20263.80%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificates of Deposit
$2,500
3.75% ▲ 0.99% above Washington avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.99% above avgNationally 2.82%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.75% ▲ 0.99% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.99% above avgNationally 2.82%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.75%▲ from 3.00%
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$500
3.70% ▲ 0.94% above Washington avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 0.94% above avgNationally 2.82%
Details

Dividends compounded monthly; dividends credited monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.70% ▲ 0.09 pts · high 3.70% / low 3.61%
3.11%3.66%4.20%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20263.70%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificates of Deposit - 36 Months
$0
3.65% ▲ 0.89% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.89% above avgNationally 2.82%
Details

Early withdrawal penalty: 365 days' interest

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 19, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificate
$1,000
3.65% ▲ 0.89% above Washington avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.89% above avgNationally 2.82%
Details

Prospective

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 0.85% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.76%▲ 0.85% above avgNationally 2.82%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 36 Month
$1,000
3.61% ▲ 0.85% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.76%▲ 0.85% above avgNationally 2.82%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Clubhouse Certificates
$250
3.60% ▲ 0.84% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 0.84% above avgNationally 2.82%
Details

Youth program for members between the ages of birth and 18; Penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month IRA Certificate
$500
3.60% ▲ 0.84% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 0.84% above avgNationally 2.82%
Details

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Share Certificates
$1,000
3.60% ▲ 0.84% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 0.84% above avgNationally 2.82%
Details

Membership eligibility required; Penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - 36 months
$500
3.60% ▲ 0.84% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 0.84% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 3 year
$50,000
3.60% ▲ 0.84% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.84% above avgNationally 2.82%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 36 Months
$500
3.55% ▲ 0.79% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 0.79% above avgNationally 2.82%
Details

Minimum Monthly Balance $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 19, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month Bump Rate Certificate
$500
3.55% ▲ 0.79% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 0.79% above avgNationally 2.82%
Details

Dividend Rate 3.50%; APY 3.55%

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.55% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.79% above avgNationally 2.82%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYOct 14, 2026: 3.55% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.55%▲ from 2.80%
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month Certificate of Deposit
$500
3.54% ▲ 0.78% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.78% above avgNationally 2.82%
Details

Balance: $500 - $9,999

Rate History
1 change since Oct 1, 2026 · 1.46% → 3.54% ▲ 2.08 pts · high 3.54% / low 1.46%
0.00%2.81%5.62%Oct 1, 2026: 1.46% APYOct 14, 2026: 3.54% APYOct 1, 2026Oct 19, 2026
  • Oct 14, 20263.54%▲ from 1.46%
  • Oct 1, 20261.46%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month Certificates of Deposit
$500
3.54% ▲ 0.78% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.78% above avgNationally 2.82%
Details

Rate History
No change since Sep 30, 2026 · 3.54% APY · checked 5 times
3.04%3.54%4.04%Sep 30, 2026: 3.54% APYSep 30, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 3 year
$1,000
3.51% ▲ 0.75% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.75% above avgNationally 2.82%
Details

Bump Option: Eligible; Effective as of October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 36 month
$1,000
3.50% ▲ 0.74% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.76%▲ 0.74% above avgNationally 2.82%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36-month Pacific Northwest (PNW) Certificate
$0
3.50% ▲ 0.74% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.74% above avgNationally 2.82%
Details

Special Certificates

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.50% ▲ 0.74% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.74% above avgNationally 2.82%
Details

APY tier: min. balance $100,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.74% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.74% above avgNationally 2.82%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.74% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.74% above avgNationally 2.82%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Share Certificate
$500
3.45% ▲ 0.69% above Washington avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.69% above avgNationally 2.82%
Details

$500 minimum to open

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$0
3.40% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.64% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.65%

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$0
3.40% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.64% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.65%

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.40% APYOct 2, 2026Oct 19, 2026
  • Oct 7, 20263.40%▼ from 3.50%
  • Oct 2, 20263.50%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 3 year
$2,000
3.40% ▲ 0.64% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.64% above avgNationally 2.82%
Details

APY assumes interest remains on deposit until maturity; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 19, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$0
3.40% ▲ 0.64% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.76%▲ 0.64% above avgNationally 2.82%
Details

Balance: $1,000+

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 19, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Year Share Certificates
$0
3.40% ▲ 0.64% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.76%▲ 0.64% above avgNationally 2.82%
Details

Balance: $100,000+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 12, 2026: 3.14% APYSep 18, 2026: 3.40% APYSep 12, 2026Oct 19, 2026
  • Sep 18, 20263.40%▲ from 3.14%
  • Sep 12, 20263.14%first recorded

Carlton 48 Month CD Rates

Washington 48 Month CD Average2.69% APYNational 2.81%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20% ▲ 1.51% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 1.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20% ▲ 1.51% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 1.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 48 Month
$0
4.05% ▲ 1.36% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.69%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 19, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificates of Deposit - 48 Month
$1,000
3.85% ▲ 1.16% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 1.16% above avgNationally 2.81%
Details

APYs effective as of 10/7/26; interest compounded daily, paid quarterly; penalty assessed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 48 Months Jumbo
$100,000
3.85% ▲ 1.16% above Washington avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.69%▲ 1.16% above avgNationally 2.81%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.75% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.75%▲ from 3.00%
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$1,000
3.70% ▲ 1.01% above Washington avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 1.01% above avgNationally 2.81%
Details

Prospective

Rate History
No change since Oct 10, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.65% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.96% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.65% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.96% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 19, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 48 Months
$500
3.60% ▲ 0.91% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.69%▲ 0.91% above avgNationally 2.81%
Details

Minimum Monthly Balance $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 4 year
$50,000
3.60% ▲ 0.91% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.91% above avgNationally 2.81%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.55% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.86% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYOct 14, 2026: 3.55% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.55%▲ from 2.80%
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 4 year
$1,000
3.51% ▲ 0.82% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.82% above avgNationally 2.81%
Details

Bump Option: Eligible; Effective as of October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.50% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.50% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 48 month
$1,000
3.50% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.50% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

APY tier: min. balance $100,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Share Certificate
$500
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

$500 minimum to open

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.76% above Washington avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 48 Month
$0
3.45% ▲ 0.76% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 19, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 4 year
$2,000
3.40% ▲ 0.71% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.71% above avgNationally 2.81%
Details

APY assumes interest remains on deposit until maturity; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 19, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate - 48-Mo. Term
$1,000
3.35% ▲ 0.66% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Compounds & Credits: Monthly

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 19, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 48-Mo. Term
$1,000
3.35% ▲ 0.66% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Compounds: Monthly

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.35% ▲ 0.66% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Balance: $500.00 - $49,999.99

Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
1.85%2.97%4.10%Sep 14, 2026: 2.85% APYOct 10, 2026: 2.60% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.35%▲ from 2.60%
  • Oct 10, 20262.60%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.30% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

APY tier: min. balance $50,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
2.50%3.15%3.80%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.30%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Certificate
$1,000
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 19, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 48 Months
$0
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 19, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate of Deposit
$500
3.29% ▲ 0.60% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.60% above avgNationally 2.81%
Details

Balance: $500 - $9,999

Rate History
1 change since Oct 1, 2026 · 1.51% → 3.29% ▲ 1.78 pts · high 3.29% / low 1.51%
0.00%2.54%5.07%Oct 1, 2026: 1.51% APYOct 14, 2026: 3.29% APYOct 1, 2026Oct 19, 2026
  • Oct 14, 20263.29%▲ from 1.51%
  • Oct 1, 20261.51%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificates of Deposit
$500
3.29% ▲ 0.60% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 30, 2026: 3.29% APYSep 30, 2026Oct 19, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

CD Term (Minimum Balance $500)

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 2, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
  • Oct 2, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 19, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
48 Month Certificate
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 19, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6 - 48 Month Standard CDs
$1,000
3.25% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Rates as high as; Redeem 2,500 Salal Rewards points at application or request for a 0.25% rate increase; One-time option to update to new 12- or 24-month CD rate if rates go up

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month Certificate - Wave Club
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 19, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month IRA Wave Club Certificate
$500
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card

Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 48 Month
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Fixed Rate

Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
2.35%3.05%3.75%Sep 14, 2026: 2.85% APYOct 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.25%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 48 Month
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Fixed Rate

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Fixed Rate 48 Month
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

IRA fixed rate time deposit; rates effective 10/6/2026

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 19, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA Certificate - 48 Month
$100
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
2.35%3.05%3.75%Sep 22, 2026: 2.85% APYOct 14, 2026: 3.25% APYSep 22, 2026Oct 19, 2026
  • Oct 14, 20263.25%▲ from 2.85%
  • Sep 22, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 48 Month
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

IRA; Fixed Rate; Rates effective 10/6/2026

Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
2.35%3.05%3.75%Sep 14, 2026: 2.85% APYOct 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.25%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.25% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance tier: min. balance $100,000

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 19, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$0
3.20% ▲ 0.51% above Washington avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.51% above avgNationally 2.81%
Details

Balance: $1,000+

Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 20, 2026: 3.20% APYSep 20, 2026Oct 19, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 48 Month Certificate
$500
3.20% ▲ 0.51% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.69%▲ 0.51% above avgNationally 2.81%
Details

Traditional Certificates

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.10% ▲ 0.41% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.41% above avgNationally 2.81%
Details

APY tier: min. balance $500; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.10% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.05% ▲ 0.36% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.69%▲ 0.36% above avgNationally 2.81%
Details

Balance tier: min. balance $50,000

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 19, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month IRA Share Certificate
$2,000
3.03% ▲ 0.34% above Washington avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.69%▲ 0.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.04% → 3.03% ▼ 0.01 pts · high 3.04% / low 3.03%
2.53%3.04%3.54%Sep 12, 2026: 3.04% APYOct 4, 2026: 3.03% APYSep 12, 2026Oct 19, 2026
  • Oct 4, 20263.03%▼ from 3.04%
  • Sep 12, 20263.04%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
48-Month Certificate of Deposit - Relationship
$500
3.00% ▲ 0.31% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.69%▲ 0.31% above avgNationally 2.81%
Details

Relationship Account APY: requires an open, actively used consumer or business checking account with the bank; early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 19, 2026

Carlton 60 Month CD Rates

Washington 60 Month CD Average2.88% APYNational 2.93%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 1.42% above Washington avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.42% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 19, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25% ▲ 1.37% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.88%▲ 1.37% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 19, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20% ▲ 1.32% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.32% above avgNationally 2.93%
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 19, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 60 Months
$0
4.20% ▲ 1.32% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.32% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 19, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 60 Month
$0
4.10% ▲ 1.22% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 1.22% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.22% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.22% above avgNationally 2.93%
Details

($100,000.00 and over) tier; Dividend Rate 4.03%

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 1.17% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.17% above avgNationally 2.93%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 10 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 19, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-Month Certificate
$0
4.05% ▲ 1.17% above Washington avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.17% above avgNationally 2.93%
Details

IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 18, 2026: 3.15% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 19, 2026
  • Oct 14, 20264.05%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 1.12% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.12% above avgNationally 2.93%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.12% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.12% above avgNationally 2.93%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 1.12% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.12% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 19, 2026
  • Sep 18, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95% ▲ 1.07% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.07% above avgNationally 2.93%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificate
$50,000
3.95% ▲ 1.07% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.07% above avgNationally 2.93%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Jumbo Share Certificates
$100,000
3.93% ▲ 1.05% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 1.05% above avgNationally 2.93%
Details

Rate up to 3.93% APY; Monthly compounding dividends; High dividends

Rate History
No change since Sep 25, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Sep 25, 2026: 3.93% APYSep 25, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.02% above avgNationally 2.93%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.90% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.02% above avgNationally 2.93%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 4.15%

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.90% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 1.02% above avgNationally 2.93%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 4.15%

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 19, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 1.02% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.02% above avgNationally 2.93%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 19, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 1.02% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 1.02% above avgNationally 2.93%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 19, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 60 Months Jumbo
$100,000
3.87% ▲ 0.99% above Washington avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 0.99% above avgNationally 2.93%
Details

Jumbo; Minimum Monthly Balance $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 15, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 15, 2026: 3.87% APYOct 15, 2026Oct 19, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.97% above avgNationally 2.93%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.87% above avgNationally 2.93%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 4.00%

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 19, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.75% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.87% above avgNationally 2.93%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 4.00%

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.75% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.87% above avgNationally 2.93%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.75%▲ from 3.00%
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Share Certificate
$1,000
3.70% ▲ 0.82% above Washington avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.82% above avgNationally 2.93%
Details

Prospective

Rate History
No change since Oct 10, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month IRA Certificates
$500
3.68% ▲ 0.80% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 0.80% above avgNationally 2.93%
Details

Rate up to 3.68% APY; Tax-deferred growth; Competitive rates

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Share Certificates
$500
3.68% ▲ 0.80% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 0.80% above avgNationally 2.93%
Details

Rate up to 3.68% APY; Monthly compounding dividends; High dividends

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 19, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Certificate - 60 Months
$500
3.62% ▲ 0.74% above Washington avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 0.74% above avgNationally 2.93%
Details

Minimum Monthly Balance $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62%
3.12%3.65%4.18%Oct 8, 2026: 3.68% APYOct 12, 2026: 3.62% APYOct 8, 2026Oct 19, 2026
  • Oct 12, 20263.62%▼ from 3.68%
  • Oct 8, 20263.68%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 5 year
$50,000
3.60% ▲ 0.72% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.72% above avgNationally 2.93%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.67% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.88%▲ 0.67% above avgNationally 2.93%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 19, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 60 Month
$1,000
3.55% ▲ 0.67% above Washington avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.88%▲ 0.67% above avgNationally 2.93%
Details

Balance: 1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.55% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.67% above avgNationally 2.93%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYOct 14, 2026: 3.55% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.55%▲ from 2.80%
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate - 60-Mo. Term
$1,000
3.51% ▲ 0.63% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.63% above avgNationally 2.93%
Details

Compounds & Credits: Monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 19, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 60-Mo. Term
$1,000
3.51% ▲ 0.63% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.63% above avgNationally 2.93%
Details

Compounds: Monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 5 year
$1,000
3.51% ▲ 0.63% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.63% above avgNationally 2.93%
Details

Bump Option: Eligible; Effective as of October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 19, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Certificate of Deposit - 60 Month
$500
3.50% ▲ 0.62% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

$500.00 minimum to open and minimum balance to obtain APY (footnote 3); rates assume principal and interest remain on deposit for entire term; penalty may be applied for early withdrawal

Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 28, 2026: 3.50% APYSep 28, 2026Oct 19, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Individual Retirement Accounts - 60 Month
$500
3.50% ▲ 0.62% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

IRA certificate; $500.00 minimum to open and minimum balance to obtain APY (footnote 3); rates assume principal and interest remain on deposit for entire term; penalty may be applied for early withdrawal

Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 3, 2026: 3.50% APYOct 3, 2026Oct 19, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 60 month
$1,000
3.50% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.50% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

APY tier: min. balance $100,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.62% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.62% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.62% above avgNationally 2.93%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 19, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 5 year
$2,000
3.40% ▲ 0.52% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.52% above avgNationally 2.93%
Details

APY assumes interest remains on deposit until maturity; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.35% ▲ 0.47% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.47% above avgNationally 2.93%
Details

Balance: $500.00 - $49,999.99

Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
1.85%2.97%4.10%Sep 14, 2026: 2.85% APYOct 10, 2026: 2.60% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.35%▲ from 2.60%
  • Oct 10, 20262.60%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 60 Months
$0
3.35% ▲ 0.47% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.47% above avgNationally 2.93%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 19, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.30% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

Balance: $250,000 minimum tier; Rates as of 10/14/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
60 Month Certificate
$0
3.30% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 19, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.30% ▲ 0.42% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

APY tier: min. balance $50,000; table not explicitly headed IRA on page

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
2.50%3.15%3.80%Sep 14, 2026: 3.00% APYOct 14, 2026: 3.30% APYSep 14, 2026Oct 19, 2026
  • Oct 14, 20263.30%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 19, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Certificate
$1,000
3.30% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 19, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 60 Month Certificate
$500
3.30% ▲ 0.42% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.88%▲ 0.42% above avgNationally 2.93%
Details

Traditional Certificates

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 19, 2026
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.

Top CD Rates from Carlton, Washington Institutions

Highest verified APYs available today, updated October 19, 2026

B Top 5 Bank Rates
HSBC Bank USA
24 Month New Money CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.60%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Cornerstone Capital Bank, SSB
Consumer 24 Month CD
A+ 5.0 ★ TX: 3.21%
Min: $500
4.25%
Pacific Crest SB
Certificates Of Deposit - 2 year
A+ 5.0 ★ TX: 3.40%
Min: $2,000
4.25%
GBC International Bank
18 Month Platinum TCD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.18%
CU Top 5 Credit Union Rates
Spokane Media Federal Credit Union
Certificate Builder - 1 Year
B+ 4.8 ★ TX: 17.28%
Min: $1
5.12%
Ironworkers USA Federal Credit Union
Share Certificate - 24 Month
B 4.6 ★ TX: 20.11%
Min: $0
4.75%
Gesa Credit Union
18 Month Certificate Accounts
A 5.0 ★ TX: 6.57%
Min: $0
4.60%
Topeka Firemens Credit Union
1 Year Share Certificates
A+ 5.0 ★ TX: 0.05%
Min: $0
4.55%
Ukrainian Federal Credit Union
3 Year Share Certificates
A 5.0 ★ TX: 10.53%
Min: $500
4.50%
Rates verified October 19, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Carlton, WA CD Rate Trends

Compare local Carlton, 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.

View Full Washington CD Trends
12-Month CD WA Avg
3.325%
▲ 0.032 vs 7 days ago

Washington 12-month CD rates rose 0.032 points over the past 7 days to 3.325% APY.

6-Month CD WA Avg
3.144%
▲ 0.017 vs 7 days ago

Washington 6-month CD rates rose 0.017 points over the past 7 days to 3.144% APY.

As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions

WA CD Rate Forecast, Next 12 Months

Where are Washington CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WA 12-Month Avg APY
3.325%
6-Month Forecast
3.325%
Range: 3.13%, 3.48%
12-Month Forecast
3.575%
Range: 3.38%, 3.73%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Washington average 12-month CD APY in our database.

Spread model: The Washington 12-month CD average currently trades 1.05% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.422% $121.09 $242.17 $605.43 $1,210.85
6-Month CD 3.144% $157.20 $314.40 $786.00 $1,572.00
12-Month CD 3.325% $166.27 $332.53 $831.32 $1,662.65
18-Month CD 3.235% $161.73 $323.46 $808.65 $1,617.30
24-Month CD 2.925% $146.24 $292.47 $731.18 $1,462.35
36-Month CD 2.759% $137.94 $275.87 $689.68 $1,379.35
48-Month CD 2.686% $134.32 $268.64 $671.60 $1,343.20
60-Month CD 2.877% $143.85 $287.70 $719.25 $1,438.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026.
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Sample CD Ladder for Carlton, 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.

Build Your Ladder
Rung Term Deposit WA Avg APY Annual Earnings
1 3-Month CD $5,000 2.422% $121.09
2 6-Month CD $5,000 3.144% $157.20
3 12-Month CD $5,000 3.325% $166.27
4 24-Month CD $5,000 2.925% $146.24
5 36-Month CD $5,000 2.759% $137.94
Total ($25,000 invested) $25,000 2.915% blended $728.74/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.

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1,432
CD Rates
Tracked in Carlton, Washington
25 Banks 67 Credit Unions

About Our Carlton, Washington CD Rate Database

MonitorBankRates tracks 1,432 CD rates from 25 banks and 67 credit unions with locations in Carlton, 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 to 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: Spokane Media Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $1. Use the rate table above to compare all current offers in Carlton, Washington.

How to Find the Best CD Rates in Carlton, Washington

What to compare when shopping for a CD in Carlton, Washington

To find the best APYs in Carlton, Washington, start with credit unions and online-only banks: Carlton, Washington has 67 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 Carlton, 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 Carlton, Washington: 92 institutions here report CD rates

Consider an Alternative If…

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
$181/yr
At WA 12-mo avg 3.325% 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 3.325%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $181 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 Carlton, 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 to 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 Carlton, 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 Carlton, 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 Carlton, Washington as everywhere in the U.S.

Choosing a CD Term in Carlton, 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 Carlton, Washington savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Idaho Central Credit Union is offering its 60 Month Promo CD at 4.30% 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 Carlton, 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 Carlton, 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 Carlton, 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 Carlton, 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 Carlton, Washington

Most CDs carry a fixed rate that is locked for the entire term, protecting a Carlton, 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 Carlton, Washington

Are CD rates in Carlton, Washington FDIC insured?

Yes, most established banks in Carlton, 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 Carlton, 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 Carlton, 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 Carlton, 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 Carlton, Washington?

Here are recent top rates found for this area:
  • Spokane Media Federal Credit Union: 5.12% APY (Certificate Builder - 1 Year)
  • Ironworkers USA Federal Credit Union: 4.75% APY (Share Certificate - 24 Month)
  • HSBC Bank USA: 4.60% APY (24 Month New Money CD)
  • Gesa Credit Union: 4.60% APY (18 Month Certificate Accounts)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
  • Ukrainian Federal Credit Union: 4.50% APY (3 Year Share Certificates)
  • Governmental Employees Credit Union: 4.50% APY (12 Month CD Special)
  • Progressions Credit Union: 4.50% APY (12 Month Youth Certificates)
  • Seattle Metropolitan Credit Union: 4.46% APY (IRA Jumbo Certificates - 2 year)
Rates reflect recent verified offers available in Carlton, Washington. Last Updated: October 19, 2026

Carlton, 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 Carlton, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Carlton, Washington CD Rates by Term

Verified October 19, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Carlton, Washington. Averages shown use the Washington state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Carlton, Washington

Carlton, Washington CD Calculator

At today’s WA top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

Carlton, Washington CD Ladder

WA CD rates currently range from 2.422% (3-month) to 2.759% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Carlton, Washington CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Washington’s average 12-month CD is 3.325% 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 Carlton, 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 Carlton, 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 Carlton, 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: October 19, 2026

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