Lakewood, Washington Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Lakewood, Washington CD rates range from 0.05% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Lakewood, Washington CD rates include Navy Federal Credit UnionNavy Federal Credit Union6030 Main St SW, Lakewood, WA 98499A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU6310 Mount Tacoma Dr SW, Lakewood, WA 98499A+5.0 ★Texas Ratio: 2.23%Real return: +0.95%APY minus CPI (February 2026) offering 18 Month IRA Share Certificates at 3.75% APY, Sound Credit UnionSound Credit Union7717 Bridgeport Way W, Lakewood, WA 98499A5.0 ★Texas Ratio: 8.08%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Business Jumbo Certificate at 3.75% APY, Harborstone Credit UnionHarborstone Credit Union9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510A5.0 ★Texas Ratio: 8.21%Real return: +0.95%APY minus CPI (February 2026) offering 1-Year Fixed Rate Accumulator IRA Certificate at 3.75% APY, and UniBankUniBank9104 South Tacoma Way Ste A101, Lakewood, WA 98499A+5.0 ★Texas Ratio: 0.00%Real return: +0.80%APY minus CPI (February 2026) offering 12 month Fixed at 3.60% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Lakewood has 117 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 6030 Main St 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 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: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
3 month Fixed
$0
3.60%
▲ 1.27% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.27% above avgNationally 2.09%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
90 Day Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
3 Month Business Certificates
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 3 Month
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.78% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.78% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.83% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.83% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.25% above Washington avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 2.25% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.67% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.67% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.52% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
- Sep 18, 20263.82%▲ from 3.57%
- Sep 12, 20263.57%first recorded
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificate - 3 Month
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Dividends paid monthly; early withdrawal penalty may apply
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55%
▲ 1.22% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.22% above avgNationally 2.09%
Details
Dividends Compounded Quarterly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month Certificate
$0
3.51%
▲ 1.18% above Washington avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term
$1,000
3.51%
▲ 1.18% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50%
▲ 1.17% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50%
▲ 1.17% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$1,000
3.45%
▲ 1.12% above Washington avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.12% above avgNationally 2.09%
Details
Prospective; *Not available for IRA accounts
Rate History
No change since Oct 10, 2026 · 3.45% APY · checked 2 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$0
3.40%
▲ 1.07% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
$2,500 - $99,999
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40%
▲ 1.07% above Washington avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.40% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.30%
▲ 0.97% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.97% above avgNationally 2.09%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15%
▲ 0.82% above Washington avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.15%
▲ 0.82% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10%
▲ 0.77% above Washington avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05%
▲ 0.72% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Business 3-Month CD
$500
3.04%
▲ 0.71% above Washington avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.71% above avgNationally 2.09%
Details
APY offered as of 1/1/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 7, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 3 Month Certificate
$500
2.50%
▲ 0.17% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Traditional Certificates
Rate History
No change since Oct 10, 2026 · 2.50% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.35%
▲ 0.02% above Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.02% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Oct 14, 2026 · 2.35% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.35%
▲ 0.02% above Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.02% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 5 times
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.30%
▼ 0.03% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.03% below avgNationally 2.09%
Details
Balance: $25,000-$74,999
Rate History
No change since Oct 14, 2026 · 2.30% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.30%
▼ 0.03% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.03% below avgNationally 2.09%
Details
Balance: $25,000-$74,999
Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 5 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%
Rate History
1 change since Sep 19, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25%
- Sep 24, 20262.25%▼ from 2.75%
- Sep 19, 20262.75%first recorded
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3 Month Certificate of Deposit
$500
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
$500.00 minimum to open. Penalty may be applied for early withdrawal. Fees could reduce earnings.
Rate History
No change since Sep 28, 2026 · 2.25% APY · checked 2 times
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Balance: $0-$999
Rate History
No change since Oct 14, 2026 · 2.25% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Balance: $0-$999
Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$1,000
2.00%
▼ 0.33% below Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.33% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.00%
▼ 0.33% below Washington avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.33% below avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.00%
▼ 0.33% below Washington avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.33% below avgNationally 2.09%
Details
Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
Lakewood 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
6 Month Business Jumbo Certificate
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
6 Month Jumbo Certificates
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
6 month Fixed
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
6 Month Business Certificates
$0
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 6 Month
$0
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
6-Month Add-On Certificate
$250
3.25%
▲ 0.13% above Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.13% above avgNationally 2.77%
Details
Unlimited additional deposits throughout the term.
Rate History
1 change since Sep 21, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25%
- Oct 9, 20263.25%▼ from 3.35%
- Sep 21, 20263.35%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 6-Month Certificate
$50,000
3.03%
▼ 0.09% below Washington avg
▼
Rate2.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 0.09% below avgNationally 2.77%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
6-Month Certificate
$500
2.93%
▼ 0.19% below Washington avg
▼
Rate2.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 0.19% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$50,000
2.50%
▼ 0.62% below Washington avg
▼
Rate2.47%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.62% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$10,000
2.45%
▼ 0.67% below Washington avg
▼
Rate2.42%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.67% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Certificate
$500
2.40%
▼ 0.72% below Washington avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.72% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
6 Month Veterans Family Fund
$100
1.50%
▼ 1.62% below Washington avg
▼
Rate1.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 1.62% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
6 month Standard Fixed Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
6 month Standard Interest Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
6 month Standard Fixed Rate
$2,500
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.18% above Washington avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.12%▲ 1.18% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.03% above Washington avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 1.03% above avgNationally 2.77%
Details
Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term
Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
- Oct 8, 20264.15%▲ from 4.04%
- Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
4.10%
▲ 0.98% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.98% above avgNationally 2.77%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08%
▲ 0.96% above Washington avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.96% above avgNationally 2.77%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Sep 18, 20264.08%▲ from 3.82%
- Sep 12, 20263.82%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 6 month
$50,000
4.05%
▲ 0.93% above Washington avg
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 14, 20264.05%▲ from 3.65%
- Sep 14, 20263.65%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00%
▲ 0.88% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00%
▲ 0.88% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 6 Month CD
$500
4.00%
▲ 0.88% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 24, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit
$50,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 14, 20264.00%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Jumbo Certificates of Deposit
$50,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 14, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95%
▲ 0.83% above Washington avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.83% above avgNationally 2.77%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.95%
▲ 0.83% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.83% above avgNationally 2.77%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 6 month
$1,000
3.90%
▲ 0.78% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.78% above avgNationally 2.77%
Details
Bump Option: Not Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 14, 20263.90%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 14, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Certificate of Deposit
$1,000
3.80%
▲ 0.68% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Oct 10, 20263.80%▲ from 3.40%
- Sep 22, 20263.40%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Certificate
$1,000
3.80%
▲ 0.68% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75%
▲ 0.63% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Term Certificates
$0
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $5,000
Rate History
1 change since Sep 21, 2026 · 1.00% → 3.75% ▲ 2.75 pts · high 3.75% / low 1.00%
- Oct 5, 20263.75%▲ from 1.00%
- Sep 21, 20261.00%first recorded
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Term Certificates - 6 Months
$0
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $5,000
Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 1.00%
- Oct 5, 20263.75%▲ from 1.00%
- Sep 17, 20261.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6-month Certificate - Wave Club
$0
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates and IRA Certificates - 6 Month Term
$0
3.75%
▲ 0.63% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $500.00; Minimum balance to open and earn stated APY
Rate History
No change since Oct 14, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.63% above Washington avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70%
▲ 0.58% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70%
▲ 0.58% above Washington avg
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Share Certificates
$0
3.70%
▲ 0.58% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 6 Months
$0
3.70%
▲ 0.58% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 10, 20263.70%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Super Share Certificate
$50,000
3.65%
▲ 0.53% above Washington avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
6-Month Certificate
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
- Oct 14, 20263.65%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Lakewood 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.05% above Washington avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.80% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.75% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.75% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.70% above Washington avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Promotional Share Certificates - 12 Months (New Money)
$500
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
New money only
Rate History
No change since Oct 12, 2026 · 3.75% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
12 Month Business Jumbo Certificate
$0
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
12 Month Jumbo Certificates
$0
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
12-Month Certificate
$500
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 12-Month Certificate
$50,000
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
12 month Fixed
$0
3.60%
▲ 0.30% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.99%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
12 Month IRA Share Certificates
$1,000
3.55%
▲ 0.25% above Washington avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
12 Month Business Certificates
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
12 Month IRA Certificates
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 12 Month
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
12 Month Certificate
$0
3.30%
At Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%At the averageNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Oct 9, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$100,000
3.00%
▼ 0.30% below Washington avg
▼
Rate2.96%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.30% below avgNationally 2.99%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$50,000
2.95%
▼ 0.35% below Washington avg
▼
Rate2.91%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.35% below avgNationally 2.99%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
- Oct 14, 20262.95%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 12-Month Certificate
$500
2.90%
▼ 0.40% below Washington avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.40% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$10,000
2.90%
▼ 0.40% below Washington avg
▼
Rate2.86%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.40% below avgNationally 2.99%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
- Oct 14, 20262.90%▼ from 3.00%
- Sep 14, 20263.00%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
1 Year Certificate
$500
2.85%
▼ 0.45% below Washington avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.45% below avgNationally 2.99%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85%
- Oct 14, 20262.85%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.79% below Washington avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.79% below Washington avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10225 Gravelly Lake Dr Sw, Lakewood, WA 98499
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.80% below Washington avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.80% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
3 - 12 Month Share Certificates - STANDARD
$500
0.30%
▼ 3.00% below Washington avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 3.00% below avgNationally 2.99%
Details
Opening & Min. Balance Req. $500 - $24,999.99
Rate History
No change since Oct 12, 2026 · 0.30% APY
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
3 - 12 Month Share Certificates - FLEX
$500
0.15%
▼ 3.15% below Washington avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 3.15% below avgNationally 2.99%
Details
Opening & Min. Balance Req. $500 - $24,999.99
Rate History
No change since Oct 12, 2026 · 0.15% APY
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
Balance Certificate Builder - 1 Year
$1
5.12%
▲ 1.82% above Washington avg
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.82% above avgNationally 2.99%
Details
Balance: $1.00 to $5,000.00; Build via monthly contributions up to $5,000 by maturity; Limit one active Certificate Builder per member; Not available for online purchase
Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 5 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month First CD
$10,000
4.58%
▲ 1.28% above Washington avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%▲ 1.28% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
- Sep 26, 20264.58%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD Special
$1,000
4.50%
▲ 1.20% above Washington avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Penalties for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
- Oct 1, 20264.50%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificates
$500
4.50%
▲ 1.20% above Washington avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
CD SPECIAL
Rate History
1 change since Sep 22, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
- Oct 13, 20264.50%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - CD Special 12 months
$500
4.50%
▲ 1.20% above Washington avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Youth Certificates
$100
4.50%
▲ 1.20% above Washington avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Balance: $100.00-$2,000.00; Certificate must be opened on an account where the primary member is 18 years or younger; one deposit per month, minimum $25.00; one youth certificate per member; rolls over to regular youth certificate at maturity; transfers to primary share account at maturity once primary member reaches age 19
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.50%
▲ 1.20% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 3.60%
- Oct 14, 20264.50%▲ from 3.60%
- Oct 10, 20263.60%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38%
▲ 1.08% above Washington avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.08% above avgNationally 2.99%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 Month
$1,000
4.38%
▲ 1.08% above Washington avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.08% above avgNationally 2.99%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.45%
- Oct 14, 20264.35%▲ from 3.45%
- Oct 10, 20263.45%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.33%
▲ 1.03% above Washington avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 1.03% above avgNationally 2.99%
Details
Balance: $100,000+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Sep 18, 20264.33%▲ from 4.07%
- Sep 12, 20264.07%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30%
▲ 1.00% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.00% above avgNationally 2.99%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30%
▲ 1.00% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.00% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 1 year
$50,000
4.26%
▲ 0.96% above Washington avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.96% above avgNationally 2.99%
Details
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
- Oct 14, 20264.26%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.24%
▲ 0.94% above Washington avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.94% above avgNationally 2.99%
Details
Balance: $500 to $99,999; Early withdrawal penalties may apply
Rate History
No change since Oct 4, 2026 · 4.24% APY · checked 3 times
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1 Year Certificate
$0
4.20%
▲ 0.90% above Washington avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 8, 20264.20%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.20%
▲ 0.90% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.99%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.30%
- Oct 14, 20264.20%▲ from 3.30%
- Oct 10, 20263.30%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
12 Month Business Certificate of Deposit
$1,000
4.15%
▲ 0.85% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
12 Month Certificate
$1,000
4.15%
▲ 0.85% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 7, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 7, 20263.75%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 12 Month CD
$500
4.15%
▲ 0.85% above Washington avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Sep 24, 20264.15%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15%
▲ 0.85% above Washington avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year Business Jumbo Certificate of Deposit
$50,000
4.15%
▲ 0.85% above Washington avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 14, 20264.15%▲ from 3.70%
- Sep 22, 20263.70%first recorded
Lakewood 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.96% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
18 Month IRA Share Certificates
$1,000
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Promotional Share Certificates - 18 Months
$5,000
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Opening & Min Balance Req. $5,000+
Rate History
No change since Oct 12, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.51% above Washington avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
18 month Fixed
$0
3.60%
▲ 0.41% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month Business Jumbo Certificate
$0
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month Jumbo Certificates
$0
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
18-Month Flex-Withdrawal Certificate
$0
3.15%
▼ 0.04% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▼ 0.04% below avgNationally 2.88%
Details
Access up to half your savings without penalty. One penalty-free withdrawal for up to 50% of the balance may be taken during the term. Additional withdrawals may incur a penalty. IRA Certificates are not eligible. Early withdrawals on all other certificates may also incur a penalty. See Certificate Rate and Fee Schedule for details.
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month Business Certificates
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Flex Certificate; unlimited add-on deposits; withdrawal cannot reduce balance below $2,500
Rate History
No change since Oct 13, 2026 · 2.99% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
18 Month IRA Certificates
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 18 Month (Flex)
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Flex Certificate: unlimited add-on deposits; one-time bump to current Flex rate on request; withdrawals cannot reduce balance below $2,500; Balance: $2,500 minimum
Rate History
No change since Oct 9, 2026 · 2.99% APY · checked 2 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 18-Month Certificate
$50,000
2.56%
▼ 0.63% below Washington avg
▼
Rate2.53%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.63% below avgNationally 2.88%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Certificate
$500
2.41%
▼ 0.78% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.41% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
18-Month Fixed Rate Accumulator IRA Certificate
$500
2.41%
▼ 0.78% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.78% below avgNationally 2.88%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 2.41% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 18-Month Certificate
$500
2.05%
▼ 1.14% below Washington avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 1.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
18 Month IRA Certificate
$10,000
1.50%
▼ 1.69% below Washington avg
▼
Rate1.49%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 1.69% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
18 Month IRA Certificate
$500
1.40%
▼ 1.79% below Washington avg
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 1.79% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.60%
▲ 1.41% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 14, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.45%
▲ 1.26% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.26% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.45% ▲ 0.50 pts · high 4.45% / low 3.95%
- Oct 14, 20264.45%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.30%
▲ 1.11% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.11% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 14, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18%
▲ 0.99% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.99% above avgNationally 2.88%
Details
Terms and Conditions
Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
- Sep 19, 20264.18%▲ from 4.08%
- Sep 7, 20264.08%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15%
▲ 0.96% above Washington avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
Special Rate!; Balance: $500 - $4,999; Dividends compounded monthly, credited monthly
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
- Oct 9, 20264.15%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.10% ▲ 1.10 pts · high 4.10% / low 3.00%
- Oct 14, 20264.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Oct 10, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month Certificate
$1,000
4.05%
▲ 0.86% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
Rate History
1 change since Sep 19, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 7, 20264.05%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Certificate
$1,000
4.00%
▲ 0.81% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18-month Certificate Special
$0
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Special Certificates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.76% above Washington avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.76% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.95%
▲ 0.76% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90%
▲ 0.71% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.71% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85%
▲ 0.66% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.66% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80%
▲ 0.61% above Washington avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.80% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.80%
▲ 0.61% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75%
▲ 0.56% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
- Oct 2, 20263.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit
$0
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Certificate of Deposit
$500
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month IRA Certificate
$500
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Term Certificates - 18-Months
$0
3.75%
▲ 0.56% above Washington avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Compounded/Paid Monthly
Rate History
1 change since Sep 30, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 10, 20263.75%▲ from 3.25%
- Sep 30, 20263.25%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit
$0
3.70%
▲ 0.51% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
Lakewood 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.83% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.83% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.79% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.79% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.73% above Washington avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.73% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
24 month Fixed
$0
3.60%
▲ 0.73% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▲ 0.73% above avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
24 Month Long-term Share Certificate
$0
3.10%
▲ 0.23% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
24 Month Business Jumbo Certificate
$0
3.01%
▲ 0.14% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.14% above avgNationally 2.88%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.01% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
24 Month Jumbo Certificates
$0
3.01%
▲ 0.14% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.14% above avgNationally 2.88%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.01% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
24 Month Business Certificates
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
24 Month IRA Certificates
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 24 Month
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼ 0.41% below Washington avg
▼
Rate2.43%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.41% below avgNationally 2.88%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 2.46% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$100,000
2.45%
▼ 0.42% below Washington avg
▼
Rate2.42%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.42% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$50,000
2.40%
▼ 0.47% below Washington avg
▼
Rate2.37%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.47% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
- Oct 14, 20262.40%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
24-Month Certificate
$500
2.36%
▼ 0.51% below Washington avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.51% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.36% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$10,000
2.35%
▼ 0.52% below Washington avg
▼
Rate2.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.35%
- Oct 14, 20262.35%▼ from 2.35%
- Sep 14, 20262.35%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
2 Year Certificate
$500
2.30%
▼ 0.57% below Washington avg
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.57% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.30% ▼ 0.05 pts · high 2.35% / low 2.30%
- Oct 14, 20262.30%▼ from 2.35%
- Sep 14, 20262.35%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month Second CD
$10,000
5.09%
▲ 2.22% above Washington avg
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 2.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
- Sep 26, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 2 year
$50,000
4.46%
▲ 1.59% above Washington avg
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.59% above avgNationally 2.88%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
- Oct 14, 20264.46%▲ from 3.80%
- Sep 14, 20263.80%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45%
▲ 1.58% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.58% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45%
▲ 1.58% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.58% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40%
▲ 1.53% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.53% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.53% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.53% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Jumbo Certificate of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Jumbo Certificates of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Bump Option: Eligible
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 2 year
$1,000
4.31%
▲ 1.44% above Washington avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.44% above avgNationally 2.88%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
- Oct 14, 20264.31%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.30%
▲ 1.43% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.43% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.40%
- Oct 14, 20264.30%▲ from 3.40%
- Oct 10, 20263.40%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25%
▲ 1.38% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
2 Year Certificate
$0
4.25%
▲ 1.38% above Washington avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 8, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25%
▲ 1.38% above Washington avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25%
▲ 1.38% above Washington avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Balance: $0-$999; Nonprofit organizations only; new money required for promotional rate; Effective dates: 10/12/26 - 10/18/26
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.15%
▲ 1.28% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.28% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.25%
- Oct 14, 20264.15%▲ from 3.25%
- Oct 10, 20263.25%▼ from 3.65%
- Sep 14, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10%
▲ 1.23% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Certificate of Deposit
$1,000
4.10%
▲ 1.23% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 10, 20264.10%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Certificate
$1,000
4.10%
▲ 1.23% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificates
$0
4.10%
▲ 1.23% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 24 Months
$0
4.10%
▲ 1.23% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05%
▲ 1.18% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.18% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month Certificate
$1,000
4.00%
▲ 1.13% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate - Wave Club
$0
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month IRA Wave Club Certificate
$500
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.00%
▲ 1.13% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.10%
- Oct 14, 20264.00%▲ from 3.10%
- Oct 10, 20263.10%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95%
▲ 1.08% above Washington avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.08% above avgNationally 2.88%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90%
▲ 1.03% above Washington avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.90%
▲ 1.03% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.88%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Oct 14, 20263.90%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
24 Month Business Certificate of Deposit
$1,000
3.85%
▲ 0.98% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.88%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
24 Month Certificate
$1,000
3.85%
▲ 0.98% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.88%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 7, 20263.50%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$50,000
3.85%
▲ 0.98% above Washington avg
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.88%
Details
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
Rate History
1 change since Sep 21, 2026 · 3.56% → 3.85% ▲ 0.29 pts · high 3.85% / low 3.56%
- Oct 9, 20263.85%▲ from 3.56%
- Sep 21, 20263.56%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Jumbo Certificates of Deposit
$0
3.80%
▲ 0.93% above Washington avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.87%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
Lakewood 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.44% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.44% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
36 month Fixed
$0
3.40%
▲ 0.69% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 0.69% above avgNationally 2.81%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month Business Jumbo Certificate
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.20% above avgNationally 2.81%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 2.91% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month Jumbo Certificates
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.20% above avgNationally 2.81%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 2.91% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month Business Certificates
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
36 Month IRA Certificates
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 36 Month
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Sep 22, 2026 · 2.65% APY · checked 4 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
36 Month Long-term Share Certificate
$0
2.64%
▼ 0.07% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▼ 0.07% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.64% APY · checked 5 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
3 Year Certificate
$10,000
2.05%
▼ 0.66% below Washington avg
▼
Rate2.03%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.66% below avgNationally 2.81%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
3 Year Certificate
$500
2.00%
▼ 0.71% below Washington avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.71% below avgNationally 2.81%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
36-Month Certificate
$500
1.89%
▼ 0.82% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Flexible 36-Month Certificate
$500
1.74%
▼ 0.97% below Washington avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.74% APY · checked 6 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Promotional Share Certificates - 36 Month Flex
$500
0.60%
▼ 2.11% below Washington avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 2.11% below avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 0.60% APY
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25%
▲ 1.54% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.54% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificates
$0
4.20%
▲ 1.49% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 36 Months
$0
4.20%
▲ 1.49% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 10, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10%
▲ 1.39% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05%
▲ 1.34% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95%
▲ 1.24% above Washington avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95%
▲ 1.24% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$50,000
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61%
- Oct 9, 20263.90%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Month Business Certificate of Deposit
$1,000
3.85%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Month Certificate
$1,000
3.85%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 7, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Jumbo Certificates of Deposit
$0
3.85%
▲ 1.14% above Washington avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
36-Month Certificate
$0
3.85%
▲ 1.14% above Washington avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
- Oct 14, 20263.85%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Jumbo Certificate
$100,000
3.80%
▲ 1.09% above Washington avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.80% APY
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$5,000
3.80%
▲ 1.09% above Washington avg
▼
Rate3.74%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details
Balance: $5,000 - $49,999; Dividends compounded monthly, credited monthly; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.80% ▲ 0.19 pts · high 3.80% / low 3.61%
- Oct 9, 20263.80%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificates of Deposit
$0
3.75%
▲ 1.04% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details
$2,500 - $99,999
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.75%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$500
3.70%
▲ 0.99% above Washington avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.99% above avgNationally 2.81%
Details
Balance: $500 - $4,999; Dividends compounded monthly, credited monthly
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.70% ▲ 0.09 pts · high 3.70% / low 3.61%
- Oct 9, 20263.70%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$100,000
3.65%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$100,000
3.65%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 7, 20263.65%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificate of Deposit - 36 Months
$0
3.65%
▲ 0.94% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificate
$1,000
3.65%
▲ 0.94% above Washington avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details
Prospective
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61%
▲ 0.90% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 36 Month
$1,000
3.61%
▲ 0.90% above Washington avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Clubhouse Certificates
$250
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Youth program for members ages birth to 18; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month IRA Certificates
$500
3.60%
▲ 0.89% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Share Certificates
$1,000
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Clubhouse Certificates - 36 months
$250
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Youth program: Credit Union Clubhouse for members ages birth to 18; Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - 36 months
$500
3.60%
▲ 0.89% above Washington avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 3 year
$50,000
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Certificate
$500
3.55%
▲ 0.84% above Washington avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details
Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.55% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.55%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
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: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
48 month Fixed
$0
3.20%
▲ 0.59% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.59% above avgNationally 2.80%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
48 Month Long-term Share Certificate
$0
2.50%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
48 Month Business Certificates
$0
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 48 Month
$0
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
48-Month Certificate
$500
1.79%
▼ 0.82% below Washington avg
▼
Rate1.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.82% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.79% APY · checked 6 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
48 Month IRA Share Certificates
$1,000
1.00%
▼ 1.61% below Washington avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 1.61% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90%
▲ 1.29% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.29% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 7, 20263.90%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Month Business Certificate of Deposit
$1,000
3.85%
▲ 1.24% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.85%
▲ 1.24% above Washington avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.85% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.75%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$1,000
3.70%
▲ 1.09% above Washington avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details
Prospective
Rate History
No change since Oct 10, 2026 · 3.70% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.65%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Certificate
$500
3.60%
▲ 0.99% above Washington avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details
Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.60% APY
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 4 year
$50,000
3.60%
▲ 0.99% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.55%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.94% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 4 year
$1,000
3.51%
▲ 0.90% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.90% above avgNationally 2.80%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Share Certificate
$500
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
$500 minimum to open
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45%
▲ 0.84% above Washington avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.45% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 48 Month
$0
3.45%
▲ 0.84% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details
Balance: $1,000.00 to $24,999.99
Rate History
No change since Oct 13, 2026 · 3.45% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.40%
▲ 0.79% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
4 Year Certificate
$0
3.40%
▲ 0.79% above Washington avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate - 48-Mo. Term
$1,000
3.35%
▲ 0.74% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 48-Mo. Term
$1,000
3.35%
▲ 0.74% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.35%
▲ 0.74% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.30%
▲ 0.69% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.69% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Certificate
$1,000
3.30%
▲ 0.69% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 48 Months
$0
3.30%
▲ 0.69% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate of Deposit
$500
3.29%
▲ 0.68% above Washington avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.68% above avgNationally 2.80%
Details
Balance: $500 - $9,999
Rate History
1 change since Oct 1, 2026 · 1.51% → 3.29% ▲ 1.78 pts · high 3.29% / low 1.51%
- Oct 14, 20263.29%▲ from 1.51%
- Oct 1, 20261.51%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificates of Deposit
$500
3.29%
▲ 0.68% above Washington avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.68% above avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 3.29% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.64% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate
$500
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 7, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
48 Month Certificate
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month Certificate - Wave Club
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month IRA Wave Club Certificate
$500
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Fixed Rate 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA fixed rate time deposit; rates effective 10/6/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA Certificate - 48 Month
$100
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 22, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA; Fixed Rate; Rates effective 10/6/2026
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
Lakewood 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6030 Main St SW, Lakewood, WA 98499
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.04% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
60 month Fixed
$0
3.00%
▲ 0.19% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.91%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
60 Month Jumbo Certificates
$0
2.75%
▼ 0.06% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.06% below avgNationally 2.91%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
9540 Bridgeport Way SW, Lakewood, WA 98499
60 Month Long-term Share Certificate
$0
2.50%
▼ 0.31% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
60 Month Business Certificates
$0
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
Certificate Accounts - 60 Month
$0
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance: $500 minimum
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
7717 Bridgeport Way W, Lakewood, WA 98499
60 Month IRA Certificates
$0
2.25%
▼ 0.56% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.56% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year Certificate
$10,000
2.15%
▼ 0.66% below Washington avg
▼
Rate2.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.66% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year Certificate
$500
2.10%
▼ 0.71% below Washington avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.71% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼ 0.92% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.92% below avgNationally 2.91%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 5 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year IRA Certificate
$10,000
1.80%
▼ 1.01% below Washington avg
▼
Rate1.78%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 1.01% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
5 Year IRA Certificate
$500
1.70%
▼ 1.11% below Washington avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 1.11% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 1.49% above Washington avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 1.49% above avgNationally 2.91%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25%
▲ 1.44% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.81%▲ 1.44% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.39% above avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 60 Months
$0
4.20%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.39% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15%
▲ 1.34% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.34% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15%
▲ 1.34% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.34% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 7, 20264.15%▲ from 4.00%
- Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10%
▲ 1.29% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.29% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05%
▲ 1.24% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.24% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-Month Certificate
$0
4.05%
▲ 1.24% above Washington avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.24% above avgNationally 2.91%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
- Oct 14, 20264.05%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00%
▲ 1.19% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00%
▲ 1.19% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.91%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
- Oct 7, 20263.90%▼ from 4.00%
- Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90%
▲ 1.09% above Washington avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90%
▲ 1.09% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Jumbo Certificate
$100,000
3.87%
▲ 1.06% above Washington avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 1.06% above avgNationally 2.91%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87%
- Oct 12, 20263.87%▼ from 3.93%
- Oct 8, 20263.93%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
3.75%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 0.94% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
3.75%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 0.94% above avgNationally 2.91%
Details
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.75%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.94% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Share Certificate
$1,000
3.70%
▲ 0.89% above Washington avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.89% above avgNationally 2.91%
Details
Prospective
Rate History
No change since Oct 10, 2026 · 3.70% APY · checked 2 times
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month IRA Certificates
$500
3.68%
▲ 0.87% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.87% above avgNationally 2.91%
Details
Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months
Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month Share Certificates
$500
3.68%
▲ 0.87% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.87% above avgNationally 2.91%
Details
Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends
Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Certificate
$500
3.62%
▲ 0.81% above Washington avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.81% above avgNationally 2.91%
Details
Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly
Rate History
1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62%
- Oct 12, 20263.62%▼ from 3.68%
- Oct 8, 20263.68%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 5 year
$50,000
3.60%
▲ 0.79% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.79% above avgNationally 2.91%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55%
▲ 0.74% above Washington avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.91%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.55% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 60 Month
$1,000
3.55%
▲ 0.74% above Washington avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.91%
Details
Balance: 1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.55% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.55%
▲ 0.74% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate - 60-Mo. Term
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 60-Mo. Term
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 5 year
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Certificate of Deposit
$500
3.50%
▲ 0.69% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.91%
Details
$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month IRA Certificate
$500
3.50%
▲ 0.69% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.91%
Details
$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD WA Avg
3.298%
▲ 0.034 vs 7 days ago
Washington 12-month CD rates rose 0.034 points over the past 7 days to 3.298% APY.
6-Month CD WA Avg
3.122%
▲ 0.004 vs 7 days ago
Washington 6-month CD rates rose 0.004 points over the past 7 days to 3.122% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
WA CD Rate Forecast, Next 12 Months
Where are Washington CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
3.298%
6-Month Forecast
3.298%
Range: 3.10%, 3.45%
12-Month Forecast
3.548%
Range: 3.35%, 3.70%
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 | 2.333% | $116.67 | $233.34 | $583.35 | $1,166.70 |
| 6-Month CD | 3.122% | $156.08 | $312.15 | $780.38 | $1,560.75 |
| 12-Month CD | 3.298% | $164.90 | $329.81 | $824.52 | $1,649.05 |
| 18-Month CD | 3.194% | $159.67 | $319.35 | $798.38 | $1,596.75 |
| 24-Month CD | 2.866% | $143.31 | $286.61 | $716.53 | $1,433.05 |
| 36-Month CD | 2.706% | $135.30 | $270.59 | $676.48 | $1,352.95 |
| 48-Month CD | 2.614% | $130.71 | $261.42 | $653.55 | $1,307.10 |
| 60-Month CD | 2.814% | $140.68 | $281.35 | $703.38 | $1,406.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
Powered byMonitorBankRates
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.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.333% | $116.67 |
| 2 | 6-Month CD | $5,000 | 3.122% | $156.08 |
| 3 | 12-Month CD | $5,000 | 3.298% | $164.90 |
| 4 | 24-Month CD | $5,000 | 2.866% | $143.31 |
| 5 | 36-Month CD | $5,000 | 2.706% | $135.30 |
| Total ($25,000 invested) | $25,000 | 2.865% blended | $716.26/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Powered byMonitorBankRates
1,391
CD Rates
Tracked in Lakewood, Washington
Tracked in Lakewood, Washington
25 Banks
60 Credit Unions
About Our Lakewood, Washington CD Rate Database
MonitorBankRates tracks 1,391 CD rates from 25 banks and 60 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. 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 60 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: 85 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lakewood, Washington savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Lakewood, Washington money market rates
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
$144/yr
At WA 12-mo avg 3.298% 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 3.298%, saving 10% of the local median salary ($4,379/year) and putting it in a CD would earn an additional $144 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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, Sound Credit Union is offering its 6 Month Business Jumbo Certificate at 3.65% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% 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:
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Americas Federal Credit Union ACU: 3.75% APY (18 Month IRA Share Certificates)
- Sound Credit Union: 3.75% APY (12 Month Business Jumbo Certificate)
- Harborstone Credit Union: 3.75% APY (1-Year Fixed Rate Accumulator IRA Certificate)
- UniBank: 3.60% APY (12 month Fixed)
- Washington State Employees Credit Union: 3.30% APY (12 Month Certificate)
- American Lake Credit Union: 3.00% APY (1 Year Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
- Spokane Media Federal Credit Union: 5.12% APY (Balance Certificate Builder - 1 Year)
- IQ Credit Union: 5.09% APY (24 Month Second CD)
Rates reflect recent verified offers available in Lakewood, Washington. Last Updated: October 14, 2026
Lakewood, Washington CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Lakewood, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lakewood, Washington
Lakewood, Washington CD Calculator
At today’s WA top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Lakewood, Washington CD LadderWA CD rates currently range from 2.333% (3-month) to 2.706% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lakewood, Washington CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 3.298% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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: October 14, 2026
Lakewood, Washington Rates & Resources
Lakewood, Washington Mortgage Rates
Lakewood, Washington Refinance Rates
Lakewood, Washington Home Equity Loan Rates
Lakewood, Washington Savings Rates
Lakewood, Washington Money Market Rates
Lakewood, Washington Checking Rates
Lakewood, Washington Auto Loan Rates
Lakewood, Washington Personal Loan Rates
Lakewood, Washington Homeowners Insurance
Lakewood, Washington Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking