Spokane Valley, Washington Best CD Rates September 2026

Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly

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

With Checking

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

Balance: $75,000+

Balance: $75,000+

Balance: $25,000-$74,999

Balance: $25,000-$74,999

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

Interest Rate With Checking: 2.72%, APY With Checking: 2.75%

Balance: $0-$999

Balance: $0-$999

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

Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.

Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.

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

Balance: $25,000.00 to $99,999.99

Balance: $500 - $49,999.99

APY* (min. balance $500)

Exclusively for Premier clients.

UP to $99,999.99

Only available to existing Premier customers.

Minimum balance to open and obtain APY is $1000.

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. The following terms are available as follows: 3 months, and 6 months. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.

APY(Annual Percentage Yield) is effective 8/3/2026. Fees may reduce earnings on your account. Early withdrawal penalty may apply.

Balance: $100,000 and over

Balance: $500.00 - $9,999.99

Balance: $50,000 - $99,999.99

Balance: $1,000 - $49,999.99

Bump Option: Not Eligible

Balance: $1,000+