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CD Rate Trends

Covington, Washington Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Covington, Washington CD rates range from 0.05% to 5.12% APY, verified by MonitorBankRates as of October 12, 2026. Current Covington, Washington CD rates include Red Canoe Credit UnionRed Canoe Credit Union27022 176th Pl SE, Covington, WA 98042A+5.0 ★Texas Ratio: 3.68%Real return: +0.50%APY minus CPI (February 2026) offering 6 Month Certificate at 3.30% APY, BECU Boeing Employees Credit UnionBECU Boeing Employees Credit Union17307 SE 272nd St Ste 110, Covington, WA 98042 5306A+5.0 ★Texas Ratio: 2.16%Real return: -1.65%APY minus CPI (February 2026) offering 60 Month Business CD at 1.15% APY, 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 Balance Certificate Builder - 1 Year at 5.12% APY, IQ Credit UnionIQ Credit UnionA+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, and Northwest Plus Credit UnionNorthwest Plus Credit UnionA+5.0 ★Texas Ratio: 3.16%Real return: +2.03%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.83% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Covington has 18 local institutions in our database, with CD rates as high as 3.30% APY from Red Canoe Credit Union at 27022 176th Pl SE, Covington, WA 98042. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. 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 12, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Covington 3 Month CD Rates

Washington 3 Month CD Average2.32% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
3 Month Certificate
$0
2.10% ▼ 0.22% below Washington avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.22% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.26% above Washington avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 2.26% above avgNationally 2.09%
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 13, 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%
3-Month Certificate
$0
4.00% ▲ 1.68% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.68% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.68% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.68% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85% ▲ 1.53% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.53% above avgNationally 2.09%
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 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82% ▲ 1.50% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▲ 1.50% above avgNationally 2.09%
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 13, 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 Certificate
$500
3.82% ▲ 1.50% above Washington avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▲ 1.50% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 5, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Fixed
$0
3.60% ▲ 1.28% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▲ 1.28% above avgNationally 2.09%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55% ▲ 1.23% above Washington avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month Certificate
$0
3.51% ▲ 1.19% above Washington avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
3-Mo. Term
$1,000
3.51% ▲ 1.19% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50% ▲ 1.18% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.18% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

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 13, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50% ▲ 1.18% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month IRA Certificate
$0
3.50% ▲ 1.18% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Share Certificate
$0
3.45% ▲ 1.13% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.13% above avgNationally 2.09%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
3.45% ▲ 1.13% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.13% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
2.70%3.33%3.95%Sep 14, 2026: 3.20% APYSep 27, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.45%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$0
3.40% ▲ 1.08% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.08% above avgNationally 2.09%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40% ▲ 1.08% above Washington avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▲ 1.08% above avgNationally 2.09%
Details

Balance: $2,500.00 to $99,999.99

Rate History
No change since Oct 9, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.30% ▲ 0.98% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.98% above avgNationally 2.09%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15% ▲ 0.83% above Washington avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.83% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.15% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.83% above avgNationally 2.09%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10% ▲ 0.78% above Washington avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.78% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05% ▲ 0.73% above Washington avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.73% above avgNationally 2.09%
Details

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 13, 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% ▲ 0.72% above Washington avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.72% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00% ▲ 0.68% above Washington avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

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 13, 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 CD
$0
3.00% ▲ 0.68% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
90 Day Certificate
$500
3.00% ▲ 0.68% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.75% ▲ 0.43% above Washington avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.43% above avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.75% ▲ 0.43% above Washington avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.43% above avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%

Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 19, 2026: 2.50% APYOct 7, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20262.75%▲ from 2.50%
  • Sep 19, 20262.50%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.50% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.50% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3 Month Certificate
$0
2.50% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 3 Month Certificate
$500
2.50% ▲ 0.18% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
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 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Business Certificate Accounts
$0
2.35% ▲ 0.03% above Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.03% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Sep 22, 2026: 2.35% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Certificate
$0
2.35% ▲ 0.03% above Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.03% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Oct 10, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 10, 2026: 2.35% APYOct 10, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Business Certificate Accounts
$0
2.30% ▼ 0.02% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.02% below avgNationally 2.09%
Details

Balance: $25,000-$74,999

Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 22, 2026: 2.30% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Certificate
$0
2.30% ▼ 0.02% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.02% below avgNationally 2.09%
Details

Balance: $25,000-$74,999

Rate History
No change since Oct 10, 2026 · 2.30% APY
1.80%2.30%2.80%Oct 10, 2026: 2.30% APYOct 10, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%

Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%

Rate History
1 change since Sep 19, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25%
1.75%2.50%3.25%Sep 19, 2026: 2.75% APYSep 24, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20262.25%▼ from 2.75%
  • Sep 19, 20262.75%first recorded
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3 Month Certificate of Deposit
$500
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

$500.00 minimum to open. Penalty may be applied for early withdrawal. Fees could reduce earnings.

Rate History
No change since Sep 28, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 28, 2026: 2.25% APYSep 28, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Business Certificate Accounts
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Balance: $0-$999

Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 22, 2026: 2.25% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Certificate
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 10, 2026: 2.25% APYOct 10, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$1,000
2.00% ▼ 0.32% below Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.00% ▼ 0.32% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.00% ▼ 0.32% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Traditional & Roth IRA Certificates of Deposit
$1,000
1.55% ▼ 0.77% below Washington avg
View
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▼ 0.77% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.79%; APY with OnPoint Rewards: 1.80%

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Business Certificates of Deposit
$1,000
1.50% ▼ 0.82% below Washington avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▼ 0.82% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Certificates of Deposit
$1,000
1.50% ▼ 0.82% below Washington avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▼ 0.82% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%

Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 22, 2026: 1.50% APYSep 22, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Build a CD (SEG & Community Builders)
$250
1.50% ▼ 0.82% below Washington avg
View
▼
Rate1.49%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.32%▼ 0.82% below avgNationally 2.09%
Details

3 Month Certificate

Rate History
No change since Oct 9, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 9, 2026: 1.50% APYOct 9, 2026Oct 13, 2026

Covington 6 Month CD Rates

Washington 6 Month CD Average3.13% APYNational 2.78%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
6 Month Certificate
$0
3.30% ▲ 0.17% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
6 Month Easy Saver
$0
3.30% ▲ 0.17% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.17% above Washington avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 1.17% above avgNationally 2.78%
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 13, 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% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 1.02% above avgNationally 2.78%
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

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 13, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
4.10% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.97% above avgNationally 2.78%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08% ▲ 0.95% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.95% above avgNationally 2.78%
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 13, 2026
  • Sep 18, 20264.08%▲ from 3.82%
  • Sep 12, 20263.82%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month Certificate of Deposit
$500
4.06% ▲ 0.93% above Washington avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.06%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificate 6 month
$50,000
4.05% ▲ 0.92% above Washington avg
View
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

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 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 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
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 6 Month CD
$500
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
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 13, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 6 month
$50,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; 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 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 6 month
$50,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
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 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 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% ▲ 0.82% above Washington avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 6 Month Promo CD
$500
3.95% ▲ 0.82% above Washington avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
3.95% ▲ 0.82% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.82% above avgNationally 2.78%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month IRA Certificate
$1,000
3.90% ▲ 0.77% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.77% above avgNationally 2.78%
Details

Bump Option: Not Eligible

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 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
3.80% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Certificate of Deposit
$1,000
3.80% ▲ 0.67% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
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 13, 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% ▲ 0.67% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
Details

Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Term Certificate
$5,000
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $5,000 - $9,999.99

Rate History
1 change since Sep 17, 2026 · 1.00% → 3.75% ▲ 2.75 pts · high 3.75% / low 1.00%
0.00%3.25%6.50%Sep 17, 2026: 1.00% APYOct 9, 2026: 3.75% APYSep 17, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 1.00%
  • Sep 17, 20261.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $100,000

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 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6-month Certificate - Wave Club
$500
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificates and IRA Certificates
$0
3.75% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500.00 - $10,000.00

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70% ▲ 0.57% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70% ▲ 0.57% above Washington avg
View
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate
$0
3.70% ▲ 0.57% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
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 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month IRA Certificate
$0
3.70% ▲ 0.57% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 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% ▲ 0.52% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
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 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
6 Month Business Jumbo Certificate
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Jumbo Certificates 6 Month
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.51% above Washington avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.51% above avgNationally 2.78%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month BUMP
$500
3.61% ▲ 0.48% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.48% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 22, 2026: 3.61% APYSep 22, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6 Month Certificate
$500
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

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 7, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Jumbo Certificates of Deposit
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Fixed
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 Month CD SPECIAL
$1,000
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 6 months
$1,000
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6 Month Certificate
$100
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

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 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6 Month IRA Certificate
$100
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 6 Month
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

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 13, 2026

Covington 12 Month CD Rates

Washington 12 Month CD Average3.29% APYNational 2.99%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
12 Month Certificate
$0
3.20% ▼ 0.09% below Washington avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▼ 0.09% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 12 Month
$500
3.20% ▼ 0.09% below Washington avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▼ 0.09% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
12 Month Flex
$0
2.95% ▼ 0.34% below Washington avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▼ 0.34% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 12 Month Flex
$500
2.95% ▼ 0.34% below Washington avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▼ 0.34% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
Balance Certificate Builder - 1 Year
$0
5.12% ▲ 1.83% above Washington avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.83% above avgNationally 2.99%
Details

Balance: $1.00 to $5,000.00

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 4 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
12 Month Certificate of Deposit
$500
4.83% ▲ 1.54% above Washington avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.54% above avgNationally 2.99%
Details

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.83% ▲ 1.80 pts · high 4.83% / low 3.03%
1.23%3.93%6.63%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.83% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.83%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month First CD
$10,000
4.58% ▲ 1.29% above Washington avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Share Certificate
$0
4.55% ▲ 1.26% above Washington avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.26% above avgNationally 2.99%
Details

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 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD SPECIAL
$500
4.50% ▲ 1.21% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

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 13, 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%
CD SPECIAL - 12 months
$1,000
4.50% ▲ 1.21% above Washington avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 1, 2026: 4.50% APYOct 1, 2026Oct 13, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Youth Certificates
$0
4.50% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

Balance: $100.00-$2,000.00

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month IRA CD
$0
4.50% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$1,000
4.38% ▲ 1.09% above Washington avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.09% above avgNationally 2.99%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 9, 2026: 4.38% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 1.09% above Washington avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.09% above avgNationally 2.99%
Details

Balance: $25,000.00 to $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35%
2.32%3.87%5.41%Sep 18, 2026: 3.35% APYOct 1, 2026: 4.38% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.38%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.06% above Washington avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month IRA CD
$0
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.33% ▲ 1.04% above Washington avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 1.04% above avgNationally 2.99%
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 13, 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
$1,000
4.30% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificate 1 year
$50,000
4.26% ▲ 0.97% above Washington avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.97% above avgNationally 2.99%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

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 10, 2026: 4.26% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 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% ▲ 0.95% above Washington avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.95% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 4, 2026 · 4.24% APY · checked 3 times
3.74%4.24%4.74%Oct 4, 2026: 4.24% APYOct 4, 2026Oct 13, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1 Year Certificate
$0
4.20% ▲ 0.91% above Washington avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.91% above avgNationally 2.99%
Details

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 13, 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 IRA CD
$0
4.20% ▲ 0.91% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.91% above avgNationally 2.99%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
12 Month Business Certificate of Deposit
$1,000
4.15% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 19, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
12 Month Certificate
$1,000
4.15% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 7, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 7, 20263.75%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 12 Month CD
$500
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
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 13, 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% ▲ 0.86% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 12 Month Promo CD
$500
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 1 year
$50,000
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; 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 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 1 year
$50,000
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
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 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year IRA Certificate
$1,000
4.11% ▲ 0.82% above Washington avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.82% above avgNationally 2.99%
Details

Bump Option: Not Eligible

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 10, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.11%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
4.10% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.81% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 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% ▲ 0.76% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 10, 2026: 4.05% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Platinum TCD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Terms and Conditions

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 13, 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% ▲ 0.71% above Washington avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
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 13, 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% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month IRA Certificate
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Month IRA Wave Club Certificate
$500
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12-month Certificate - Wave Club
$500
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed CD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12-Months Term Certificate
$0
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

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 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
3.95% ▲ 0.66% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.66% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months Jumbo Certificate
$100,000
3.93% ▲ 0.64% above Washington avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.64% above avgNationally 2.99%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.62% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.62% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 13, 2026

Covington 18 Month CD Rates

Washington 18 Month CD Average3.17% APYNational 2.87%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
18 Month Certificate
$0
3.00% ▼ 0.17% below Washington avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▼ 0.17% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 18 Month
$500
3.00% ▼ 0.17% below Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▼ 0.17% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.60% ▲ 1.43% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.43% above avgNationally 2.87%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.45% ▲ 1.28% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.28% above avgNationally 2.87%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.30% ▲ 1.13% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.13% above avgNationally 2.87%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 1.03% above Washington avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 1.03% above avgNationally 2.87%
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 13, 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% ▲ 1.03% above Washington avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 18 Month Promo CD
$500
4.20% ▲ 1.03% above Washington avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 9, 2026: 4.20% APYOct 9, 2026Oct 13, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 1.01% above avgNationally 2.87%
Details

Terms and Conditions

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 13, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15% ▲ 0.98% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.98% above avgNationally 2.87%
Details

Special Rate!

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 13, 2026
  • Oct 9, 20264.15%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10% ▲ 0.93% above Washington avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificate
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
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 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month IRA Certificate
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month Certificate
$1,000
4.05% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.88% above avgNationally 2.87%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.

Rate History
1 change since Sep 19, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 19, 2026: 3.65% APYOct 7, 2026: 4.05% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
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% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 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%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
CD SPECIAL - 9 & 18 months
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month IRA Certificate
$0
4.00% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18-month Certificate Special
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Certificate Special

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.95% ▲ 0.78% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.73% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.73% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85% ▲ 0.68% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80% ▲ 0.63% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.87%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.80% ▲ 0.63% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.87%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month IRA Certificate
$500
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month IRA Share Certificates
$1,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Promotional Share Certificates - 18 Months
$5,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Opening & Min Balance Req. $5,000+

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
18-Months Term Certificate
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

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 13, 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% ▲ 0.53% above Washington avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit
$0
3.70% ▲ 0.53% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit
$0
3.70% ▲ 0.53% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 19, 2026: 3.45% APYOct 7, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificates of Deposit
$0
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.87%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Super Share Certificate
$50,000
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month Fixed
$0
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month CD SPECIAL
$1,000
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month IRA Certificate
$500
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
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 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 18 months
$1,000
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificate of Deposit - 18 Months
$0
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Certificate
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Share Certificate
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

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 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate
$1,000
3.50% ▲ 0.33% above Washington avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.33% above avgNationally 2.87%
Details

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 13, 2026

Covington 24 Month CD Rates

Washington 24 Month CD Average2.86% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
24 Month Certificate
$0
2.90% ▲ 0.04% above Washington avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 24 Month
$500
2.90% ▲ 0.04% above Washington avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month Second CD
$10,000
5.09% ▲ 2.23% above Washington avg
View
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 2.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificate 2 year
$50,000
4.46% ▲ 1.60% above Washington avg
View
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.60% above avgNationally 2.88%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

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 10, 2026: 4.46% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 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
$1,000
4.45% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.59% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.59% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40% ▲ 1.54% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.54% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.54% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.54% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 2 year
$50,000
4.35% ▲ 1.49% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.49% above avgNationally 2.88%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; 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 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 2 year
$50,000
4.35% ▲ 1.49% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.49% above avgNationally 2.88%
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 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year IRA Certificate
$1,000
4.31% ▲ 1.45% above Washington avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.45% above avgNationally 2.88%
Details

Bump Option: Eligible

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 10, 2026: 4.31% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.31%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.30% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.44% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
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 13, 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%
2 Year Certificate
$0
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

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 13, 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% ▲ 1.39% above Washington avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
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 13, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 24 Month Promo CD
$500
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.15% ▲ 1.29% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.29% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.24% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Certificate of Deposit
$1,000
4.10% ▲ 1.24% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
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 13, 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% ▲ 1.24% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Eligible

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Certificate
$0
4.10% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
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 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month IRA Certificate
$0
4.10% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.19% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month IRA Certificate
$0
4.00% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month IRA Wave Club Certificate
$500
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate - Wave Club
$500
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.00% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 1.09% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.09% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90% ▲ 1.04% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.90% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.04% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
24 Month Business Certificate of Deposit
$1,000
3.85% ▲ 0.99% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
24 Month Certificate
$1,000
3.85% ▲ 0.99% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 7, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 7, 20263.50%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$50,000
3.85% ▲ 0.99% above Washington avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

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 13, 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% ▲ 0.94% above Washington avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.80% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.94% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Jumbo Certificate
$100,000
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$5,000
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

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 13, 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 IRA Certificate
$500
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate
$500
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.75% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificates of Deposit
$0
3.70% ▲ 0.84% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 0.84% above avgNationally 2.88%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Super Share Certificate
$50,000
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$500
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

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 13, 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 CD
$0
3.65% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month IRA Share Certificate
$0
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate
$0
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
3.61% ▲ 0.75% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 0.75% above avgNationally 2.88%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 13, 2026

Covington 36 Month CD Rates

Washington 36 Month CD Average2.71% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
36 Month Certificate
$0
2.85% ▲ 0.14% above Washington avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 36 Month
$500
2.85% ▲ 0.14% above Washington avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25% ▲ 1.54% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.54% above avgNationally 2.81%
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 13, 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 Certificate
$0
4.20% ▲ 1.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
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 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month IRA Certificate
$0
4.20% ▲ 1.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.44% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.39% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.39% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.34% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.34% above avgNationally 2.81%
Details

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% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 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%
3 Year Business Share Certificates
$0
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

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 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Share Certificate
$0
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

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 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 1.24% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 1.24% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$50,000
3.90% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

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 13, 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% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Month Business Certificate of Deposit
$1,000
3.85% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Month Certificate
$1,000
3.85% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 7, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 7, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Jumbo Certificates of Deposit
$0
3.85% ▲ 1.14% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Jumbo Certificate
$100,000
3.80% ▲ 1.09% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$5,000
3.80% ▲ 1.09% above Washington avg
View
▼
Rate3.74%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificates of Deposit
$0
3.75% ▲ 1.04% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month IRA CD
$0
3.75% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$500
3.70% ▲ 0.99% above Washington avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
2.90%3.55%4.20%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$100,000
3.65% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificate of Deposit - 36 Months
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month IRA Share Certificate
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificate
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61% ▲ 0.90% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 0.90% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month CD SPECIAL
$1,000
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Clubhouse Certificates
$250
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month IRA Certificate
$500
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
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 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Clubhouse Certificates - 36 months
$250
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 36 months
$1,000
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificate 3 year
$50,000
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Certificate
$500
3.55% ▲ 0.84% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month IRA CD
$0
3.55% ▲ 0.84% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month Certificate of Deposit
$500
3.54% ▲ 0.83% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 3.54% APY · checked 4 times
3.04%3.54%4.04%Sep 30, 2026: 3.54% APYSep 30, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year IRA Certificate
$1,000
3.51% ▲ 0.80% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.80% above avgNationally 2.81%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 2, 2026: 3.25% APYOct 7, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Oct 2, 20263.25%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month IRA Certificate
$0
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Pacific Northwest (PNW) Certificate

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 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

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 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 3 year
$50,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% 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 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 3 year
$50,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Bump Option: Eligible

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 13, 2026

Covington 48 Month CD Rates

Washington 48 Month CD Average2.61% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
48 Month Certificate
$0
2.80% ▲ 0.19% above Washington avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 48 Month
$500
2.80% ▲ 0.19% above Washington avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Certificate
$0
4.20% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
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 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month IRA Certificate
$0
4.20% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90% ▲ 1.29% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.29% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Month Business Certificate of Deposit
$1,000
3.85% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.85% ▲ 1.24% above Washington avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.75% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month IRA Share Certificate
$0
3.70% ▲ 1.09% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$0
3.70% ▲ 1.09% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.65% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details

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 13, 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%
48 Months Certificate
$500
3.60% ▲ 0.99% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificate 4 year
$50,000
3.60% ▲ 0.99% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.55% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.94% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year IRA Certificate
$1,000
3.51% ▲ 0.90% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.90% above avgNationally 2.80%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month IRA Certificate
$0
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

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 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 4 year
$50,000
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 4 year
$50,000
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Bump Option: Eligible

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 13, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
SHARE CERTIFICATES - 48 Month
$500
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

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 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$1,000
3.45% ▲ 0.84% above Washington avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.84% above Washington avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
4 Year Certificate
$0
3.40% ▲ 0.79% above Washington avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
48 Month IRA Certificate
$0
3.35% ▲ 0.74% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

IRA Certificate Rates; $1,000+; Compounds & Credits: Monthly

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
48-Mo. Term
$1,000
3.35% ▲ 0.74% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.35% ▲ 0.74% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.30% ▲ 0.69% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
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 3 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Certificate
$1,000
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

Eligible

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month Certificate
$0
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

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 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate of Deposit
$500
3.29% ▲ 0.68% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 30, 2026: 3.29% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.25% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

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 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
48 Month Certificate
$0
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6 - 48 Month Standard CDs
$1,000
3.25% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Redeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase. If rates go up during a 12- or 24-month CD term, you can choose once to update your CD to the new rate currently being offered on a 12- or 24-month CD.

Rate History
No change since Oct 9, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month IRA Wave Club Certificate
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month Certificate - Wave Club
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.25% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Fixed
$0
3.20% ▲ 0.59% above Washington avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.59% above avgNationally 2.80%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 48 Month Certificate
$500
3.20% ▲ 0.59% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.59% above avgNationally 2.80%
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 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.10% ▲ 0.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.49% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.05% ▲ 0.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.44% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month IRA Share Certificate
$2,000
3.03% ▲ 0.42% above Washington avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.42% above avgNationally 2.80%
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 13, 2026
  • Oct 4, 20263.03%▼ from 3.04%
  • Sep 12, 20263.04%first recorded
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
4-Year Certificate
$1,000
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
4-Year Roth IRA / IRA Certificate
$250
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Covington 60 Month CD Rates

Washington 60 Month CD Average2.79% APYNational 2.90%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
60 Month Certificate
$0
2.70% ▼ 0.09% below Washington avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▼ 0.09% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
27022 176th Pl SE, Covington, WA 98042
IRA Certificate Accounts - 60 Month
$500
2.70% ▼ 0.09% below Washington avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▼ 0.09% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
17307 SE 272nd St Ste 110, Covington, WA 98042 5306
60 Month Business CD
$0
1.15% ▼ 1.64% below Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▼ 1.64% below avgNationally 2.90%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 29, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 29, 2026: 1.15% APYSep 29, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 1.51% above Washington avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.51% above avgNationally 2.90%
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 13, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 60 Month Promo CD
$500
4.30% ▲ 1.51% above Washington avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.51% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25% ▲ 1.46% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.79%▲ 1.46% 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 13, 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 Certificate
$0
4.20% ▲ 1.41% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.41% above avgNationally 2.90%
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 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month IRA Certificate
$0
4.20% ▲ 1.41% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.36% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15% ▲ 1.36% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.31% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.26% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95% ▲ 1.16% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.16% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 1.16% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

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 13, 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% ▲ 1.11% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 1.11% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Jumbo Certificate
$100,000
3.87% ▲ 1.08% above Washington avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 1.08% above avgNationally 2.90%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87%
3.37%3.90%4.43%Oct 8, 2026: 3.93% APYOct 12, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.87%▼ from 3.93%
  • Oct 8, 20263.93%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.06% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month IRA Share Certificate
$0
3.70% ▲ 0.91% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.91% above avgNationally 2.90%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Share Certificate
$0
3.70% ▲ 0.91% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.91% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month IRA Certificates
$500
3.68% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.89% above avgNationally 2.90%
Details

Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month Share Certificates
$500
3.68% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.89% above avgNationally 2.90%
Details

Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Certificate
$500
3.62% ▲ 0.83% above Washington avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.83% above avgNationally 2.90%
Details

Minimum to earn APY: $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 13, 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 Certificate 5 year
$50,000
3.60% ▲ 0.81% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.81% above avgNationally 2.90%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55% ▲ 0.76% above Washington avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.76% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.55% ▲ 0.76% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
60 Month IRA Certificate
$0
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

IRA Certificate Rates; $1,000+; Compounds & Credits: Monthly

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
60-Mo. Term
$1,000
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year IRA Certificate
$1,000
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Certificate of Deposit
$500
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month IRA Certificate
$500
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month IRA Certificate
$0
3.50% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.50% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

APY* (min. balance $100,000)

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 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Business Jumbo Certificate of Deposit - 5 year
$50,000
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 5 year
$50,000
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

Bump Option: Eligible

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 13, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
5 Year Certificate
$0
3.40% ▲ 0.61% above Washington avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.35% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.56% above avgNationally 2.90%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate
$0
3.35% ▲ 0.56% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 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 Covington, Washington Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
Cornerstone Capital Bank, SSB
Consumer 24 Month CD
A+ 5.0 ★ TX: 3.21%
Min: $500
4.25%
Pacific Crest SB
2 Year Certificate
A+ 5.0 ★ TX: 3.40%
Min: $0
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
Red Canoe Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 3.68%
Min: $0
3.30%
BECU Boeing Employees Credit Union
60 Month Business CD
A+ 5.0 ★ TX: 2.16%
Min: $0
1.15%
Spokane Media Federal Credit Union
Balance Certificate Builder - 1 Year
B+ 4.8 ★ TX: 17.28%
Min: $0
5.12%
IQ Credit Union
24 Month Second CD
A+ 5.0 ★ TX: 5.25%
Min: $10,000
5.09%
Northwest Plus Credit Union
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 3.16%
Min: $500
4.83%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Covington, WA CD Rate Trends

Compare local Covington, 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
3.293%
▲ 0.036 vs 7 days ago

Washington 12-month CD rates rose 0.036 points over the past 7 days to 3.293% APY.

6-Month CD WA Avg
3.127%
▲ 0.011 vs 7 days ago

Washington 6-month CD rates rose 0.011 points over the past 7 days to 3.127% APY.

As of Oct 13, 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
3.293%
6-Month Forecast
3.293%
Range: 3.09%, 3.44%
12-Month Forecast
3.543%
Range: 3.34%, 3.69%

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 1.08% 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 2.323% $116.16 $232.31 $580.78 $1,161.55
6-Month CD 3.127% $156.35 $312.69 $781.72 $1,563.45
12-Month CD 3.293% $164.66 $329.32 $823.30 $1,646.60
18-Month CD 3.173% $158.63 $317.26 $793.15 $1,586.30
24-Month CD 2.862% $143.11 $286.21 $715.53 $1,431.05
36-Month CD 2.710% $135.52 $271.03 $677.58 $1,355.15
48-Month CD 2.613% $130.64 $261.27 $653.18 $1,306.35
60-Month CD 2.790% $139.51 $279.01 $697.53 $1,395.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Covington, 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 2.323% $116.16
2 6-Month CD $5,000 3.127% $156.35
3 12-Month CD $5,000 3.293% $164.66
4 24-Month CD $5,000 2.862% $143.11
5 36-Month CD $5,000 2.710% $135.52
Total ($25,000 invested) $25,000 2.863% blended $715.80/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.

Powered byMonitorBankRates
1,451
CD Rates
Tracked in Covington, Washington
24 Banks 65 Credit Unions

About Our Covington, Washington CD Rate Database

MonitorBankRates tracks 1,451 CD rates from 24 banks and 65 credit unions with locations in Covington, 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: Red Canoe Credit Union offers a CD at 3.30% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Covington, Washington.

How to Find the Best CD Rates in Covington, Washington

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

To find the best APYs in Covington, Washington, start with credit unions and online-only banks: Covington, Washington has 65 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 Covington, 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 Covington, Washington: 89 institutions here report CD rates

Consider an Alternative If…

Covington, Washington Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.1%
National avg: 17.3%
Median Individual Earnings
$59,322
National avg: $47,340
Poverty Rate
5.0%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$195/yr
At WA 12-mo avg 3.293% APY

12.1% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.293%, saving 10% of the local median salary ($5,932/year) and putting it in a CD would earn an additional $195 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 Covington, 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 Covington, 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 Covington, 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 Covington, Washington as everywhere in the U.S.

Choosing a CD Term in Covington, 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 Covington, Washington savers easier access to their funds. For example, Red Canoe Credit Union is offering its 6 Month Certificate at 3.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Red Canoe Credit Union is offering its 60 Month Certificate at 2.70% 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 Covington, 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 Covington, 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 Covington, 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 Covington, 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 Covington, Washington

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

Are CD rates in Covington, Washington FDIC insured?

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

Here are recent top rates found for this area:
  • Red Canoe Credit Union: 3.30% APY (6 Month Certificate)
  • BECU Boeing Employees Credit Union: 1.15% APY (60 Month Business CD)
  • Spokane Media Federal Credit Union: 5.12% APY (Balance Certificate Builder - 1 Year)
  • IQ Credit Union: 5.09% APY (24 Month Second CD)
  • Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
  • Gesa Credit Union: 4.60% APY (18 Month IRA CD)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificate)
  • Governmental Employees Credit Union: 4.50% APY (12 Month CD SPECIAL)
  • Progressions Credit Union: 4.50% APY (12 Month Youth Certificates)
Rates reflect recent verified offers available in Covington, Washington. Last Updated: October 12, 2026

Covington, 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 Covington, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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 Covington, Washington CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Covington, Washington. Averages shown use the Washington state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Covington, Washington

Covington, Washington CD Calculator

At today’s WA top rate of 3.30% APY, a $10,000 deposit earns $330 in the first year. Enter your amount to see your exact return.

Covington, Washington CD Ladder

WA CD rates currently range from 2.323% (3-month) to 2.710% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Covington, Washington CD at 3.30% 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 3.293% 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 Covington, 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 Covington, 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 Covington, 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 12, 2026

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