MonitorBankRates
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Lakewood, Washington CD Rates Today - Compare Best APYs for June 2026

Current Lakewood, Washington CD rates include Americas Federal Credit Union ACUAmericas Federal Credit Union ACU6310 Mount Tacoma Dr SW, Lakewood, WA 98499A+5.0 ★Texas Ratio: 3.26%Real return: +0.95%APY minus CPI (February 2026) offering 18 Month Certificate at 3.75% APY, UniBankUniBank9104 South Tacoma Way Ste A101, Lakewood, WA 98499A+5.0 ★Texas Ratio: 5.78%Real return: +0.80%APY minus CPI (February 2026) offering 18 month Fixed at 3.60% APY, Sound Credit UnionSound Credit Union7717 Bridgeport Way W, Lakewood, WA 98499A5.0 ★Texas Ratio: 9.84%Real return: +0.70%APY minus CPI (February 2026) offering 12 Month at 3.50% APY, Washington State Employees Credit UnionWashington State Employees Credit Union9540 Bridgeport Way SW, Lakewood, WA 98499A+5.0 ★Texas Ratio: 4.20%Real return: +0.55%APY minus CPI (February 2026) offering 6-Month Add-On Share Certificate at 3.35% APY, and Harborstone Credit UnionHarborstone Credit Union9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510A5.0 ★Texas Ratio: 6.54%Real return: +0.35%APY minus CPI (February 2026) offering Jumbo 12-Month Certificate at 3.15% APY. CD rates as of June 15, 2026 according to verified data from MonitorBankRates.

Lakewood has 70 local institutions in our database, with CD rates as high as 3.75% APY from Americas Federal Credit Union ACU at 6310 Mount Tacoma Dr SW, Lakewood, WA 98499. 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 — 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: June 15, 2026

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

Lakewood 3 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
3 month Fixed
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
90 Day Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
3 Month
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
3 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
3 month Standard Fixed Rate CD
$2,500
0.05%
Rate0.05%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3 Month Share Certificates
$0
3.82%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
90 Day Fixed Rate
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 Day
$2,500
3.40%
Rate3.40%
Min Deposit$2,500
Min Balance
UpdatedMay 23, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
3 Month CD Special
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Months
$0
3.15%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business 3-Month CD
$500
3.04%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Months
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 day
$0
2.70%
Rate2.67%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 days
$0
2.70%
Rate2.67%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 days
$0
2.65%
Rate2.62%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 day
$0
2.65%
Rate2.62%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 day
$0
2.60%
Rate2.57%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
90 days
$0
2.60%
Rate2.57%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.26%
3 Month Certificate
$0
2.27%
Rate2.25%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month
$0
2.10%
Rate2.08%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$100,000
1.55%
Rate
Min Deposit$100,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$50,000
1.35%
Rate
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$10,000
1.25%
Rate
Min Deposit$10,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$500
1.20%
Rate
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
1.00%
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
90 Day CD
$0
0.70%
Rate0.70%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
90 Day CD
$0
0.60%
Rate0.60%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
90 Day CD
$0
0.55%
Rate0.55%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
90 Day CD
$0
0.50%
Rate0.50%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Months
$0
0.50%
Rate0.50%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3 Months
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3 Months
$1,000
0.05%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

Lakewood 6 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
6 month Fixed
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
6 Month
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
9540 Bridgeport Way SW, Lakewood, WA 98499
6-Month Add-On Share Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 6-Month Certificate
$0
3.03%
Rate2.99%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
6-Month Certificate
$0
2.93%
Rate2.89%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$0
2.45%
Rate2.42%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$0
2.40%
Rate2.37%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Veterans Family Fund
$0
1.50%
Rate1.50%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
6 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
6 month Standard Fixed Rate CD
$2,500
0.05%
Rate0.05%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.95%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-Mo. Wave ClubCertificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-month Certificate | Wave Club
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-month Wave Club Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Wave Club

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
Rate3.64%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.70%
Rate3.64%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
Rate3.64%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$1,000 - $49,999.99

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$500
3.61%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

BUMP

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 6 Month
$1,000
3.60%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 months
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Months
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
6 Month Share Certificates
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
6 month
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
6 Month Certificate
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$100,000
3.55%
Rate
Min Deposit$100,000
Min Balance
UpdatedJun 11, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 months
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedJun 7, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 6 Month
$1,000
3.55%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 6 Month
$1,000
3.55%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Special IRA Certificate
$100
3.50%
Rate3.44%
Min Deposit$100
Min Balance
UpdatedMay 22, 2026
Details

**

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6 month Certificates Of Deposit3
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6-Month CD
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 90 days' dividends

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6-month Certificate
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Months
$0
3.45%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Months Certificate
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
6 month
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
6-Month CD Special
$0
3.40%
Rate
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Available for personal (including Individual Retirement Accounts) and business accounts.

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Fixed Rate
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 months add-on
$0
3.35%
Rate3.31%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 90 days' dividends

Lakewood 12 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
12 month Fixed
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
12 Month
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

At maturity, certificate will roll into a new 12-month certificate.

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
1-Year Fixed Rate Accumulator IRA Certificate
$0
3.15%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
12-Month Certificate
$0
3.15%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 12-Month Certificate
$0
3.15%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$0
2.95%
Rate2.91%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate - Bump Feature
$0
2.95%
Rate2.91%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 12-Month Certificate
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate - Bump Feature
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$0
2.85%
Rate2.81%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate - Bump Feature
$0
2.85%
Rate2.81%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
1 year Standard Fixed Rate CD
$2,500
1.51%
Rate1.50%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
1 year Standard Fixed Rate CD
$2,500
1.50%
Rate1.49%
Min Deposit$2,500
Min Balance
UpdatedJun 3, 2026
Details

Additional terms are available at a branch

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.25%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-Mo. Wave Club Certificate
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month Certificate | Wave Club
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month IRA Wave Club Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month Wave Club Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Wave Club

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
3.95%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
Rate3.84%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$10,000 - $49,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $100,000+

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business 12-Month CD
$500
3.82%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
Rate3.74%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Share Certificate
$0
3.80%
Rate3.74%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Share Certificate
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
Rate3.74%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 year Certificates Of Deposit3
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1-Year CD
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 12 Month
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
12 Month CD
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 12 Month
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
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.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month IRA Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1-Year Certificate
$0
3.72%
Rate
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 Month Certificate
$0
3.70%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

As high as; APY*

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month CD
$0
3.70%
Rate3.63%
Min Deposit$0
Min Balance
UpdatedJun 5, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 12 Month
$1,000
3.70%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 12 Month
$1,000
3.70%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month
$500
3.66%
Rate3.60%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

BUMP

Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1-year CD (New)
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds).

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
12 month
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
12 Month IRA
$500
3.61%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

$500.00 Minimum Opening Deposit; With .25% Bonus*

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 months
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 12 months
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 12 months
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Lakewood 18 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
18 Month Certificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
18 month Fixed
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month
$0
2.99%
Rate2.95%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Unlimited deposits. Upon request, rate will be increased to current Flex Certificate rate. Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month (Flex)
$0
2.99%
Rate2.95%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 18-Month Certificate
$0
2.56%
Rate2.53%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Certificate
$0
2.41%
Rate2.38%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Fixed Rate IRA Certificate
$0
2.41%
Rate2.38%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 18-Month Certificate
$0
2.05%
Rate2.03%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
18 Month IRA Certificate
$0
1.50%
Rate1.49%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
18 Month IRA Certificate
$0
1.40%
Rate1.39%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.40%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.25%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates CD SPECIAL 9 & 18 months
$500
4.00%
Rate3.94%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
CD SPECIAL 9 & 18 months
$1,000
4.00%
Rate3.93%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
18 Months
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month CD
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedJun 5, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18-month GreenUp Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
18 Months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
18 Month CD
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
18 months
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 18 months
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
18 Months
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 months
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedJun 7, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
18 month Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA 18 month Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

BUMP

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Months Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Fixed Rate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 months
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 180 days' dividends

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
18 Month
$0
3.10%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 month CD
$0
3.03%
Rate
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Early Withdrawal Penalties May Apply

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Mo. IRA
$50
3.00%
Rate2.92%
Min Deposit$50
Min Balance
UpdatedMay 23, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 18 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate of Deposit 18 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Mo. CD
$100
2.90%
Rate2.86%
Min Deposit$100
Min Balance
UpdatedMay 23, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$100,000
2.80%
Rate
Min Deposit$100,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$50,000
2.60%
Rate
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$10,000
2.50%
Rate
Min Deposit$10,000
Min Balance
UpdatedJun 11, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
IRA Certificate of Deposit - 18 Months
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$500
2.45%
Rate
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

SaviBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Months
$0
2.41%
Rate
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$0
2.25%
Rate2.23%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

Lakewood 24 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
24 month Fixed
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
24 Month
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
2-Year Fixed Rate Accumulator IRA Certificate
$0
2.46%
Rate2.43%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$0
2.45%
Rate2.42%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$0
2.40%
Rate2.37%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate - Bump Feature
$0
2.40%
Rate2.37%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
24-Month Certificate
$0
2.36%
Rate2.33%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$0
2.35%
Rate2.35%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate - Bump Feature
$0
2.35%
Rate2.33%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$0
2.30%
Rate2.28%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate - Bump Feature
$0
2.30%
Rate2.28%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
Rate4.03%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
Rate3.98%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$10,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month Certificate | Wave Club
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month IRA Wave Club Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month Wave Club Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Wave Club

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 24 Month
$1,000
3.85%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 24 Month
$1,000
3.80%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 24 Month
$1,000
3.80%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24-month IRA Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 months
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 24 months
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 24 months
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 2 year
$50,000
3.60%
Rate3.54%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 months
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedJun 7, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month* Certificates of Deposit
$500
3.54%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificates 2 year
$1,000
3.51%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 2 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 2 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 24 Months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 2 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

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

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 24 Month
$1,000
3.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
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.

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
24 Month CD
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 year Certificates Of Deposit3
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 24 Months
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 month Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA 24 month Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12- to 24-month certificate
$500
3.30%
Rate
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

APY effective 10/15/2025. Dividends compounded monthly. Penalty for early withdrawal. Fees may reduce earnings.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
2 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Certificate of Deposit 2 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

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

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Months Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 months
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 180 days' dividends

Lakewood 36 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
36 month Fixed
$1,000
3.40%
Rate3.35%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month
$0
2.65%
Rate2.62%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month (Bump)
$0
2.65%
Rate2.62%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
3 Year Certificate
$0
2.05%
Rate2.03%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
3 Year Certificate
$0
2.00%
Rate1.98%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
36-Month Certificate
$0
1.89%
Rate1.87%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 36-Month Certificate
$0
1.74%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3-Year Certificate
$0
3.82%
Rate
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
36 months
$1,000
3.60%
Rate3.54%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Clubhouse Certificates 36 months
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 36 months
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 3 year
$50,000
3.60%
Rate3.54%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificates of Deposit
$500
3.54%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificates 3 year
$1,000
3.51%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
36 Month CD
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Annual percentage yields (APYs) effective as of 2/11/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 36 Month
$1,000
3.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
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.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36-month Pacific Northwest (PNW) Certificate
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $100,000+

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 3 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

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

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 3 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$1,000
3.40%
Rate3.35%
Min Deposit$1,000
Min Balance
UpdatedMay 23, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$500
3.40%
Rate3.35%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

$500.00 Minimum Opening Deposit

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3 year Certificates Of Deposit3
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $50,000 - $99,999.99

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
3 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Certificate of Deposit 3 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

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

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Months Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
36 Month
$0
3.20%
Rate3.15%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $500 - $49,999.99

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
36 Month Certificate
$0
3.05%
Rate3.01%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate of Deposit 36 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 months
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 15, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD 36 Months
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Year CD
$1,000
3.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Dividends Compounded/Credited: Annually

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 months
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 180 days' dividends

Lakewood 48 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
48 month Fixed
$1,000
3.20%
Rate3.15%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
48 Month
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
48-Month Certificate
$0
1.79%
Rate1.77%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 4 year
$50,000
3.60%
Rate3.54%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificates 4 year
$1,000
3.51%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 48 Month
$1,000
3.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedJun 3, 2026
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.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 4 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

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

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 4 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $100,000+

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month
$1,000
3.45%
Rate3.40%
Min Deposit$1,000
Min Balance
UpdatedMay 23, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month IRA
$500
3.45%
Rate3.40%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

$500.00 Minimum Opening Deposit

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 year Certificates Of Deposit3
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Months Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $50,000 - $99,999.99

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Certificate of Deposit 4 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

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

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
4 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificates of Deposit
$500
3.29%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month Certificate | Wave Club
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month IRA Wave Club Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month Wave Club Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Wave Club

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
48 Month
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
48 Month Certificate
$0
3.10%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $500 - $49,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48-month IRA Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD 48 Months
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
2.85%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 months
$0
2.85%
Rate2.81%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month
$0
2.85%
Rate2.82%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$100,000
2.80%
Rate
Min Deposit$100,000
Min Balance
UpdatedJun 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month
$0
2.80%
Rate2.77%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 48 Month
$0
2.80%
Rate2.77%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD 48 Months
$0
2.80%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$500
2.75%
Rate2.72%
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

BUMP

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 48 months
$500
2.75%
Rate2.72%
Min Deposit$500
Min Balance
UpdatedJun 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
48 months
$1,000
2.75%
Rate2.72%
Min Deposit$1,000
Min Balance
UpdatedJun 10, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 months
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Early Withdrawal Penalty: 360 days' dividends

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$50,000
2.60%
Rate
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD 48 Months
$0
2.60%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
4 Year CD
$0
2.52%
Rate2.49%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
IRA 4 Year CD
$0
2.52%
Rate2.49%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
48 Month Fixed Rate
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$10,000
2.50%
Rate
Min Deposit$10,000
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$500
2.45%
Rate
Min Deposit$500
Min Balance
UpdatedJun 11, 2026
Details

Lakewood 60 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
60 month Fixed
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedJun 15, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
60 Month (Bump)
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
7717 Bridgeport Way W, Lakewood, WA 98499
60 Month
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year Certificate
$0
2.15%
Rate2.13%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year Certificate
$0
2.10%
Rate2.08%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
5-Year Fixed Rate IRA Certificate
$0
1.89%
Rate1.87%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year IRA Certificate
$0
1.80%
Rate1.78%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year IRA Certificate
$0
1.70%
Rate1.69%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

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

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
Rate4.03%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
Rate3.98%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$10,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
Rate3.83%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Jumbo Certificates 5 year
$50,000
3.60%
Rate3.54%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month
$1,000
3.55%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedMay 23, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month IRA
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

$500.00 Minimum Opening Deposit

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
IRA Certificates 5 year
$1,000
3.51%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $100,000+

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 5 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

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

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Jumbo Certificates of Deposit - 5 year
$50,000
3.50%
Rate3.44%
Min Deposit$50,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 year Certificates Of Deposit3
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Months Certificate
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $50,000 - $99,999.99

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
5 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

Bump Option: Eligible

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Business Certificate of Deposit 5 year
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedJun 11, 2026
Details

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

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
60 Month Certificate
$0
3.15%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedJun 10, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60-Month Certificate
$0
3.15%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

APY for balances $500 - $49,999.99

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.05%
Rate3.01%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Certificates of Deposit
$500
3.03%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedMay 23, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD 60 Months
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month
$0
2.85%
Rate2.82%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 months
$0
2.85%
Rate2.81%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
2.85%
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
5 Year Certificate
$100,000
2.80%
Rate
Min Deposit$100,000
Min Balance
UpdatedJun 11, 2026
Details

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 Lakewood, Washington Institutions

Highest verified APYs available today — updated June 15, 2026

B Top 5 Bank Rates
UniBank
18 month Fixed
A+ 5.0 ★ TX: 5.78%
Min: $1,000
3.60%
Wells Fargo
1 year Standard Fixed Rate CD
A 5.0 ★ TX: 7.44%
Min: $2,500
1.51%
HSBC Bank USA
New Money CD - 24 Month
A+ 5.0 ★ TX: 3.89%
Min: $1,000
3.85%
Seattle Bank
Business Certificates of Deposit 12 Month
C- 3.7 ★ TX: 30.78%
Min: $1,000
3.75%
Pacific Crest SB
1-Year CD
A+ 5.0 ★ TX: 4.95%
Min: $0
3.75%
CU Top 5 Credit Union Rates
Americas Federal Credit Union ACU
18 Month Certificate
A+ 5.0 ★ TX: 3.26%
Min: $0
3.75%
Sound Credit Union
12 Month
A 5.0 ★ TX: 9.84%
Min: $0
3.50%
Washington State Employees Credit Union
6-Month Add-On Share Certificate
A+ 5.0 ★ TX: 4.20%
Min: $0
3.35%
Harborstone Credit Union
Jumbo 12-Month Certificate
A 5.0 ★ TX: 6.54%
Min: $0
3.15%
American Lake Credit Union
1 Year Certificate
A 5.0 ★ TX: 7.78%
Min: $0
3.00%
Rates verified June 15, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Lakewood, WA CD Rate Trends

Compare local Lakewood, 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
2.966%
▲ 0.060 vs 7 days ago

Washington 12-month CD rates rose 0.060 points over the past 7 days to 2.966% APY.

6-Month CD — WA Avg
2.494%
▲ 0.200 vs 7 days ago

Washington 6-month CD rates rose 0.200 points over the past 7 days to 2.494% APY.

As of Jun 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

WA CD Rate Forecast — Next 12 Months

Where are Washington CD rates headed through June 2027?

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

WA 12-Month Avg APY
2.966%
6-Month Forecast
2.966%
Range: 2.77% – 3.12%
12-Month Forecast
2.716%
Range: 2.52% – 2.87%

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 1.41% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at WA CD Rates Today

Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.

CD Term WA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.185% $59.25 $118.49 $296.23 $592.45
6-Month CD 2.494% $124.70 $249.40 $623.50 $1,247.00
12-Month CD 2.966% $148.30 $296.60 $741.50 $1,483.00
18-Month CD 3.106% $155.30 $310.60 $776.50 $1,553.00
24-Month CD 2.811% $140.57 $281.14 $702.85 $1,405.70
36-Month CD 2.732% $136.60 $273.19 $682.98 $1,365.95
48-Month CD 2.898% $144.89 $289.77 $724.43 $1,448.85
60-Month CD 2.510% $125.51 $251.02 $627.55 $1,255.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 15, 2026.

Sample CD Ladder for Lakewood, 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 1.185% $59.25
2 6-Month CD $5,000 2.494% $124.70
3 12-Month CD $5,000 2.966% $148.30
4 24-Month CD $5,000 2.811% $140.57
5 36-Month CD $5,000 2.732% $136.60
Total ($25,000 invested) $25,000 2.438% blended $609.42/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.

610
CD Rates
Tracked in Lakewood, Washington
15 Banks 47 Credit Unions

About Our Lakewood, Washington CD Rate Database

MonitorBankRates tracks 610 CD rates from 15 banks and 47 credit unions with locations in Lakewood, 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: Americas Federal Credit Union ACU offers a CD at 3.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lakewood, Washington.

How to Find the Best CD Rates in Lakewood, Washington

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

To find the best APYs in Lakewood, Washington, start with credit unions and online-only banks — Lakewood, Washington has 47 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 Lakewood, 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 Lakewood, Washington — 62 institutions here report CD rates

Consider an Alternative If…

Lakewood, Washington Financial Snapshot

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

Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$43,794
National avg: $47,340
Poverty Rate
13.2%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$130/yr
At WA 12-mo avg 2.966% APY

17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s WA 12-month CD average of 2.966%, saving 10% of the local median salary ($4,379/year) and putting it in a CD would earn an additional $130 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Washington as everywhere in the U.S.

Choosing a CD Term in Lakewood, 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 Lakewood, Washington savers easier access to their funds. For example, UniBank is offering its 6 month Fixed at 3.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, UniBank is offering its 60 month Fixed at 3.00% 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Washington

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

Are CD rates in Lakewood, Washington FDIC insured?

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

Here are recent top rates found for this area:
  • Americas Federal Credit Union ACU: 3.75% APY (18 Month Certificate)
  • UniBank: 3.60% APY (18 month Fixed)
  • Sound Credit Union: 3.50% APY (12 Month)
  • Washington State Employees Credit Union: 3.35% APY (6-Month Add-On Share Certificate)
  • Harborstone Credit Union: 3.15% APY (Jumbo 12-Month Certificate)
  • American Lake Credit Union: 3.00% APY (90 Day Certificate)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • Gesa Credit Union: 4.40% APY (IRA CD 18 Months)
  • Firefighters First Federal Credit Union: 4.10% APY (5 Year Retirement Share Certificate)
  • Governmental Employees Credit Union: 4.00% APY (CD SPECIAL 9 & 18 months)
Rates reflect recent verified offers available in Lakewood, Washington. Last Updated: June 15, 2026

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakewood, 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 Lakewood, 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 Lakewood, 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: June 15, 2026