Port Orchard, Washington CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Port Orchard, Washington CD rates include Kitsap BankKitsap Bank619 Bay St, Port Orchard, WA 98366A+5.0 ★Texas Ratio: 0.52%Real return: +0.50%APY minus CPI (February 2026) offering 3 Month CD Special at 3.30% APY, Peninsula Community Federal Credit UnionPeninsula Community Federal Credit Union1081 Bethel Ave, Port Orchard, WA 98366 4207A+5.0 ★Texas Ratio: 4.36%Real return: +0.45%APY minus CPI (February 2026) offering 12 Month Save To Win Certificate at 3.25% APY, Wells FargoWells Fargo1488 Olney Ave Se, Port Orchard, WA 98366A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, Gesa Credit UnionGesa Credit UnionA+5.0 ★Texas Ratio: 4.30%Real return: +1.60%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.40% APY, and Idaho Central Credit UnionIdaho Central Credit UnionA+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Port Orchard has 38 local institutions in our database, with CD rates as high as 3.30% APY from Kitsap Bank at 619 Bay St, Port Orchard, WA 98366. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Port Orchard, Washington & the Surrounding Area
Port Orchard 3 Month CD Rates
Tier: $500-$4,999
Tier: $90,000+
Tier: $50,000-$89,999
Tier: $5,000-$49,999
Tier: $500-$4,999
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
APY with OnPoint Rewards: 1.80%; Interest rate with OnPoint Rewards: 1.79%
APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74%
APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Port Orchard 6 Month CD Rates
Tier: $90,000+
Tier: $50,000-$89,999
Tier: $5,000-$49,999
Tier: $500-$4,999
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wave Club
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
BUMP
Only available to existing Premier customers.
Opened over the telephone or in a Wealth Center.
Early Withdrawal Penalty: 90 days' dividends
Limited time offer; available for personal and business accounts.
Port Orchard 12 Month CD Rates
Save to Win certificates are only available to members age 18 and older.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Tier: $90,000+
Tier: $50,000-$89,999
Tier: $5,000-$49,999
Tier: $500-$4,999
Wave Club
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
APY for balances $100,000+
Dividend Rate: 3.74% for $1,000 - $49,999.99; Dividend Rate: 3.74% for $50,000 - $99,999.99; Dividend Rate: 3.74% for $100,000 and over
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.
Opened over the telephone or in a Wealth Center.
Only available to existing Premier customers.
As high as; APY*
BUMP
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds).
Dividends Compounded/Credited: Monthly
Whopping
Bump Option: Not Eligible
Port Orchard 18 Month CD Rates
Tier: $90,000+
Tier: $50,000-$89,999
Tier: $5,000-$49,999
Tier: $500-$4,999
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
BUMP
Early Withdrawal Penalty: 180 days' dividends
Early Withdrawal Penalties May Apply
Open Online
Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
Port Orchard 24 Month CD Rates
Tier: $90,000+
Tier: $50,000-$89,999
Tier: $5,000-$49,999
Tier: $500-$4,999
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Wave Club
Opened over the telephone or in a Wealth Center.
Only available to existing Premier customers.
Bump Option: Eligible
Bump Option: Eligible
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 Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
APY effective 10/15/2025. Dividends compounded monthly. Penalty for early withdrawal. Fees may reduce earnings.
Early Withdrawal Penalty: 180 days' dividends
APY for balances $100,000+
APY for balances $50,000 - $99,999.99
Port Orchard 36 Month CD Rates
Tier: $500-$4,999
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
APY for balances $50,000 - $99,999.99
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
APY for balances $500 - $49,999.99
Early Withdrawal Penalty: 180 days' dividends
Dividends Compounded/Credited: Annually
Port Orchard 48 Month CD Rates
Tier: $500-$4,999
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
APY for balances $50,000 - $99,999.99
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Wave Club
APY for balances $500 - $49,999.99
BUMP
Early Withdrawal Penalty: 360 days' dividends
Port Orchard 60 Month CD Rates
Tier: $500-$4,999
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Bump Option: Eligible
Bump Option: Eligible
APY for balances $100,000+
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
APY for balances $50,000 - $99,999.99
APY for balances $500 - $49,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Port Orchard, WA CD Rate Trends
Compare local Port Orchard, WA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington 12-month CD rates fell 0.042 points over the past 7 days to 2.924% APY.
Washington 6-month CD rates fell 0.057 points over the past 7 days to 2.437% APY.
WA CD Rate Forecast — Next 12 Months
Where are Washington CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.119% | $55.96 | $111.92 | $279.80 | $559.60 |
| 6-Month CD | 2.437% | $121.85 | $243.70 | $609.25 | $1,218.50 |
| 12-Month CD | 2.924% | $146.19 | $292.38 | $730.95 | $1,461.90 |
| 18-Month CD | 3.090% | $154.51 | $309.01 | $772.53 | $1,545.05 |
| 24-Month CD | 2.777% | $138.86 | $277.71 | $694.28 | $1,388.55 |
| 36-Month CD | 2.833% | $141.66 | $283.32 | $708.30 | $1,416.60 |
| 48-Month CD | 2.870% | $143.49 | $286.98 | $717.45 | $1,434.90 |
| 60-Month CD | 2.557% | $127.86 | $255.71 | $639.28 | $1,278.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Port Orchard, 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 | 1.119% | $55.96 |
| 2 | 6-Month CD | $5,000 | 2.437% | $121.85 |
| 3 | 12-Month CD | $5,000 | 2.924% | $146.19 |
| 4 | 24-Month CD | $5,000 | 2.777% | $138.86 |
| 5 | 36-Month CD | $5,000 | 2.833% | $141.66 |
| Total ($25,000 invested) | $25,000 | 2.418% blended | $604.52/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Port Orchard, Washington
About Our Port Orchard, Washington CD Rate Database
MonitorBankRates tracks 701 CD rates from 14 banks and 47 credit unions with locations in Port Orchard, Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Kitsap Bank offers a CD at 3.30% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Port Orchard, Washington.
How to Find the Best CD Rates in Port Orchard, Washington
What to compare when shopping for a CD in Port Orchard, Washington
To find the best APYs in Port Orchard, Washington, start with credit unions and online-only banks — Port Orchard, Washington has 47 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Port Orchard, 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 Port Orchard, Washington — 61 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Port Orchard, Washington savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Port Orchard, Washington money market rates
Port Orchard, Washington Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
15.7% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s WA 12-month CD average of 2.924%, saving 10% of the local median salary ($5,275/year) and putting it in a CD would earn an additional $154 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 Port Orchard, Washington
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Port Orchard, 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 Port Orchard, 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 Port Orchard, Washington as everywhere in the U.S.
Choosing a CD Term in Port Orchard, 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 Port Orchard, Washington savers easier access to their funds. For example, Peninsula Community Federal Credit Union is offering its 6 Month Certificate at 3.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Peninsula Community Federal Credit Union is offering its 60 Month Certificate at 2.50% 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 Port Orchard, 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 Port Orchard, 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 Port Orchard, 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 Port Orchard, 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 Port Orchard, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Port Orchard, 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 Port Orchard, Washington
Are CD rates in Port Orchard, Washington FDIC insured?
Do I have to pay state taxes on CD interest in Port Orchard, Washington?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Port Orchard, Washington?
- Kitsap Bank: 3.30% APY (3 Month CD Special)
- Peninsula Community Federal Credit Union: 3.25% APY (12 Month Save To Win Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Gesa Credit Union: 4.40% APY (IRA CD 18 Months)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Puget Sound Cooperative Credit Union: 4.00% APY (24-month Wave Club Certificate)
- Firefighters First Federal Credit Union: 4.00% APY (Share Certificates 5 Years)
- Yakima Federal S&L: 4.00% APY (12 Month CD)
- Governmental Employees Credit Union: 4.00% APY (CD SPECIAL 9 & 18 months)
- Pacific Crest SB: 3.85% APY (1-Year CD)
CD Calculators for Port Orchard, Washington
At today’s WA top rate of 3.30% APY, a $10,000 deposit earns $330 in the first year. Enter your amount to see your exact return.
Port Orchard, Washington CD LadderWA CD rates currently range from 1.119% (3-month) to 2.833% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Port Orchard, Washington CD at 3.30% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 2.924% 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 Port Orchard, 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 Port Orchard, 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 Port Orchard, 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.
Port Orchard, Washington Rates & Resources
