Ethel, Washington CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Ethel, Washington CD rates include Gesa Credit UnionGesa Credit UnionA+5.0 ★Texas Ratio: 4.30%Real return: +1.60%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.40% APY, Idaho Central Credit UnionIdaho Central Credit UnionA+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit UnionA+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus CPI (February 2026) offering 24-month Certificate | Wave Club at 4.00% APY, Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.57%Real return: +1.20%APY minus CPI (February 2026) offering 12 month at 4.00% APY, and Governmental Employees Credit UnionGovernmental Employees Credit UnionA5.0 ★Texas Ratio: 6.35%Real return: +1.20%APY minus CPI (February 2026) offering IRA Certificates CD SPECIAL 9 & 18 months at 4.00% APY. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
Ethel is a smaller community with no bank or credit union branches currently in our database. 607 institutions serving the Washington area are available to Ethel residents, with CD rates as high as 4.40% APY from Gesa Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 11, 2026
Compare Best CD Rates in Ethel, Washington & the Surrounding Area
Ethel 3 Month CD Rates
APY for balances $100,000+
APY for balances $50,000 - $99,999.99
APY for balances $500 - $49,999.99
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks Rate: 1.246%, Member Perks APY: 1.25%
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Ethel 6 Month CD Rates
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over
Online CDs Only available to existing Premier customers.
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
BUMP
APY for balances $100,000+
Early Withdrawal Penalty: 90 days' dividends
BUMP rate
Bump Option: Not Eligible
APY for balances $50,000 - $99,999.99
Limited Time CD Special
Bump Option: Not Eligible
Bump Option: Not Eligible
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Annual Percentage Yield
Annual Percentage Yield (APY)
Ethel 12 Month CD Rates
Limited-time offer.
APY for balances $100,000+
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Online CDs Only available to existing Premier customers.
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over
Bump Option: Not Eligible
APY for balances $100,000+
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. 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.
Fixed
Bump Option: Not Eligible
Bump Option: Not Eligible
Bump Option: Not Eligible
BUMP
Bump Option: Not Eligible
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds).
APY for balances $50,000 - $99,999.99
Open Account
as high as
Save to Win certificates are only available to members age 18 and older.
BUMP rate
BUMP rate
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Ethel 18 Month CD Rates
Limited-time offer.
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
APY for balances $100,000+
APY for balances $50,000 - $99,999.99
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. 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.
APY for balances $500 - $49,999.99
BUMP
Early Withdrawal Penalty: 180 days' dividends
Early Withdrawal Penalties May Apply
Open Online
Ethel 24 Month CD Rates
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
With .25% Bonus**
With .25% Bonus*
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Bump Option: Eligible
Online CDs Only available to existing Premier customers.
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Variable - Member has discretion
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. 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.
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Early Withdrawal Penalty: 180 days' dividends
APY for balances $100,000+
APY for balances $50,000 - $99,999.99
APY for balances $100,000+
BUMP
Ethel 36 Month CD Rates
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
With .25% Bonus**
With .25% Bonus*
Bump Option: Eligible
Bump Option: Eligible
Variable - Member has discretion
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
Bump Option: Eligible
Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. 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.
APY for balances $50,000 - $99,999.99
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
APY for balances $100,000+
APY for balances $500 - $49,999.99
APY for balances $50,000 - $99,999.99
Early Withdrawal Penalty: 180 days' dividends
APY for balances $500 - $49,999.99
Ethel 48 Month CD Rates
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
Variable - Member has discretion
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
APY for balances $50,000 - $99,999.99
APY for balances $100,000+
APY for balances $500 - $49,999.99
APY for balances $50,000 - $99,999.99
APY for balances $500 - $49,999.99
Early Withdrawal Penalty: 360 days' dividends
BUMP
Open Online
Compounding Method: Monthly; Dream Builder requires a monthly automatic transfer from an OlyFed account. The APY is accurate as of the date above and is subject to change. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. Terms and conditions apply.
Ethel 60 Month CD Rates
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
Variable - Member has discretion
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
APY for balances $50,000 - $99,999.99
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
APY for balances $100,000+
APY for balances $500 - $49,999.99
APY for balances $50,000 - $99,999.99
APY for balances $500 - $49,999.99
BUMP
Early Withdrawal Penalty: 360 days' dividends
Open Online
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Ethel, WA CD Rate Trends
Compare local Ethel, 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.
Washington 12-month CD rates fell 0.739 points over the past 7 days to 2.174% APY.
Washington 6-month CD rates fell 1.093 points over the past 7 days to 1.270% APY.
WA CD Rate Forecast — Next 12 Months
Where are Washington CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.595% | $29.77 | $59.53 | $148.83 | $297.65 |
| 6-Month CD | 1.270% | $63.52 | $127.03 | $317.58 | $635.15 |
| 12-Month CD | 2.174% | $108.72 | $217.43 | $543.58 | $1,087.15 |
| 18-Month CD | 2.783% | $139.17 | $278.33 | $695.83 | $1,391.65 |
| 24-Month CD | 2.717% | $135.86 | $271.71 | $679.28 | $1,358.55 |
| 36-Month CD | 2.563% | $128.15 | $256.29 | $640.73 | $1,281.45 |
| 48-Month CD | 2.322% | $116.11 | $232.21 | $580.53 | $1,161.05 |
| 60-Month CD | 1.839% | $91.94 | $183.88 | $459.70 | $919.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 11, 2026. | |||||
Sample CD Ladder for Ethel, Washington Savers
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.595% | $29.77 |
| 2 | 6-Month CD | $5,000 | 1.270% | $63.52 |
| 3 | 12-Month CD | $5,000 | 2.174% | $108.72 |
| 4 | 24-Month CD | $5,000 | 2.717% | $135.86 |
| 5 | 36-Month CD | $5,000 | 2.563% | $128.15 |
| Total ($25,000 invested) | $25,000 | 1.864% blended | $466.02/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.
Tracked in Ethel, Washington
About Our Ethel, Washington CD Rate Database
MonitorBankRates tracks 623 CD rates from 14 banks and 43 credit unions with locations in Ethel, Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Gesa Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Ethel, Washington.
How to Find the Best CD Rates in Ethel, Washington
What to compare when shopping for a CD in Ethel, Washington
To find the best APYs in Ethel, Washington, start with credit unions and online-only banks — Ethel, Washington has 43 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 Ethel, 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 Ethel, Washington — 57 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Ethel, Washington savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Ethel, Washington money market rates
Washington Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
16.6% of residents are 65 or older — below the national average of 17.3%. At today’s WA 12-month CD average of 2.174%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $119 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 Ethel, Washington
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Ethel, 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 Ethel, 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 Ethel, Washington as everywhere in the U.S.
Choosing a CD Term in Ethel, 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 Ethel, Washington savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Year Retirement Share Certificate at 4.00% 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 Ethel, 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 Ethel, 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 Ethel, 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 Ethel, 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 Ethel, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Ethel, 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 Ethel, Washington
Are CD rates in Ethel, Washington FDIC insured?
Do I have to pay state taxes on CD interest in Ethel, Washington?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Ethel, Washington?
- Gesa Credit Union: 4.40% APY (IRA CD 18 Months)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Yakima Federal S&L: 4.00% APY (12 Month CD)
- Firefighters First Federal Credit Union: 4.00% APY (2 Year Retirement Share Certificate)
- Governmental Employees Credit Union: 4.00% APY (CD SPECIAL 9 & 18 months)
- Numerica Credit Union: 4.00% APY (12 month)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-Mo. Wave Club Certificate)
- Horizon Credit Union: 3.87% APY (24 Month)
- HSBC Bank USA: 3.85% APY (New Money CD 12 months)
- Pacific Crest SB: 3.85% APY (1-Year CD)
CD Calculators for Ethel, Washington
At today’s WA top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Ethel, Washington CD LadderWA CD rates currently range from 0.595% (3-month) to 2.563% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ethel, Washington CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 2.174% 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 Ethel, 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 Ethel, 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 Ethel, 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.
