Spokane Valley, Washington Best CD Rates November 2026
Brian McKay
Brian McKay
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Spokane Valley, Washington CD rates range from 0.25% to 5.12% APY, verified by MonitorBankRates as of November 12, 2026. Current Spokane Valley, Washington CD rates include Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit Union16610 E Euclid Ave, Spokane Valley, WA 99216B4.6 ★Texas Ratio: 20.11%Real return: +1.05%APY minus CPIRate verified Nov 7, 2026 offering Share Certificate - 24 Month at 4.75% APY, Gesa Credit UnionGesa Credit Union509 N Sullivan Rd, Spokane Valley, WA 99037 8531A5.0 ★Texas Ratio: 6.57%Real return: +0.90%APY minus CPIRate verified Nov 9, 2026 offering IRA CD 18 Months at 4.60% APY, Governmental Employees Credit UnionGovernmental Employees Credit Union1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444A5.0 ★Texas Ratio: 6.09%Real return: +0.80%APY minus CPIRate verified Nov 8, 2026 offering 12 Month IRA Certificate - CD SPECIAL at 4.50% APY, Numerica Credit UnionNumerica Credit Union14610 E Sprague Ave, Spokane Valley, WA 99216A+5.0 ★Texas Ratio: 2.22%Real return: +0.80%APY minus CPIRate verified Nov 8, 2026 offering Certificate - 36 month at 4.50% APY, and Horizon Credit UnionHorizon Credit Union201 N Mullan Rd, Spokane Valley, WA 99206 3790A+5.0 ★Texas Ratio: 1.61%Real return: +0.68%APY minus CPIRate verified Nov 9, 2026 offering 12 Month Certificate at 4.38% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Spokane Valley has 193 local institutions in our database, with CD rates as high as 4.75% APY from Ironworkers USA Federal Credit Union at 16610 E Euclid Ave, Spokane Valley, WA 99216. 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: November 12, 2026
Compare Best CD Rates in Spokane Valley, Washington & the Surrounding Area
Spokane Valley 3 Month CD Rates
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: $2,500 Minimum Opening Deposit
Balance: $100,000 minimum
Balance: $50,000 minimum
Balance: $500 minimum
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Dividends compounded/credited monthly; dividend period monthly; additional deposits not allowed; renewable automatically; early withdrawal penalty 90 days' dividends
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Savings Accounts featured card
Promotional yield on 3.93% base rate; membership eligibility required; new Certificates only; IRA share certificates excluded
Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%
Dividends from the Savings account comparison table; Balance: $500 minimum; Term range offered: 3 months to 5 years
Spokane Valley 6 Month CD Rates
Balance: min. $100,000; Stated rate as of 11/01/26
Youth Certificate Special; Members under age 18 only
Terms: See Terms
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: min. $500; Stated rate as of 11/01/26
Balance: $100,000 minimum
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: $50,000 minimum
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
Dividends Compounded: Monthly; Dividends Credited: Monthly
Balance: $2,500 Minimum Opening Deposit
Balance: $500 minimum
Unlimited additional deposits up to an aggregate maximum of $5 million during the term; Terms range from 6 to 84 months; Early withdrawal penalties may be imposed
- Oct 9, 20263.25%▼ from 3.35%
- Sep 21, 20263.35%first recorded
Allows unlimited additional deposits during the term
Spokane Valley 12 Month CD Rates
CD SPECIAL
CD SPECIAL
CD Special
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: $1,000.00 Minimum Opening Deposit
Balance: $500.00 Minimum Opening Deposit
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: min. $500; Stated rate as of 11/01/26
Terms: See Terms
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: $100,000 minimum
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Balance: $50,000 minimum
Spokane Valley 18 Month CD Rates
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: min. $500; Stated rate as of 11/01/26
Terms: See Terms
Special Rate!; Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Balance: $100,000 minimum
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: $50,000 minimum
18-Month Flex-Withdrawal Certificate; access up to half of savings without penalty
- Nov 3, 20263.85%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Balance: $500 minimum
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Spokane Valley 24 Month CD Rates
Balance: min. $100,000; Stated rate as of 11/01/26
Terms: See Terms
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Balance: min. $50,000; Stated rate as of 11/01/26
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: min. $500; Stated rate as of 11/01/26
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
- Oct 9, 20263.85%▲ from 3.56%
- Sep 21, 20263.56%first recorded
Balance: $100,000 minimum
Dividends Compounded: Monthly; Dividends Credited: Monthly
- Oct 9, 20263.75%▲ from 3.56%
- Sep 21, 20263.56%first recorded
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Balance: $50,000 minimum
Balance: $1,000.00 Minimum Opening Deposit
Balance: $500.00 Minimum Opening Deposit
- Oct 19, 20263.61%▼ from 4.12%
- Sep 22, 20264.12%first recorded
Spokane Valley 36 Month CD Rates
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.50%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
- Oct 9, 20263.90%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Dividends Compounded: Monthly; Dividends Credited: Monthly
- Oct 9, 20263.80%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Balance: $1,000.00 Minimum Opening Deposit
Balance: $500.00 Minimum Opening Deposit
- Oct 19, 20263.61%▼ from 4.12%
- Sep 22, 20264.12%first recorded
Credit Union Clubhouse youth program for members ages birth to 18; Penalties for early withdrawal
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Balance: min. $500; Stated rate as of 11/01/26
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Spokane Valley 48 Month CD Rates
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.00%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Balance: $1,000.00 to $24,999.99
Balance: $500.00 Minimum Opening Deposit
Balance: min. $500; Stated rate as of 11/01/26
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Balance: $100,000 minimum
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Balance: $50,000 minimum
Bump CD; APY for min. balance $100,000
APY (min. balance $100,000); Early withdrawal penalties apply
Long-term Share Certificate Rates; Get started with as little as $250
- Nov 3, 20262.90%▲ from 2.50%
- Oct 19, 20262.50%first recorded
Spokane Valley 60 Month CD Rates
Terms: See Terms
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.00%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: $1,000.00 Minimum Opening Deposit
Balance: $500.00 Minimum Opening Deposit
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Balance: min. $500; Stated rate as of 11/01/26
Balance column: $250,000
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Balance: $100,000 minimum
Balance column: $100,000
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Balance: $50,000 minimum
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Spokane Valley, WA CD Rate Trends
Compare local Spokane Valley, 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 rose 0.008 points over the past 7 days to 3.418% APY.
Washington 6-month CD rates rose 0.015 points over the past 7 days to 3.218% APY.
WA CD Rate Forecast, Next 12 Months
Where are Washington CD rates headed through November 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 | 2.433% | $121.63 | $243.25 | $608.13 | $1,216.25 |
| 6-Month CD | 3.218% | $160.91 | $321.82 | $804.55 | $1,609.10 |
| 12-Month CD | 3.418% | $170.87 | $341.75 | $854.37 | $1,708.75 |
| 18-Month CD | 3.357% | $167.84 | $335.68 | $839.20 | $1,678.40 |
| 24-Month CD | 3.006% | $150.29 | $300.58 | $751.45 | $1,502.90 |
| 36-Month CD | 2.774% | $138.67 | $277.35 | $693.38 | $1,386.75 |
| 48-Month CD | 2.744% | $137.19 | $274.37 | $685.93 | $1,371.85 |
| 60-Month CD | 2.910% | $145.48 | $290.95 | $727.38 | $1,454.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for Spokane Valley, 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 | 2.433% | $121.63 |
| 2 | 6-Month CD | $5,000 | 3.218% | $160.91 |
| 3 | 12-Month CD | $5,000 | 3.418% | $170.87 |
| 4 | 24-Month CD | $5,000 | 3.006% | $150.29 |
| 5 | 36-Month CD | $5,000 | 2.774% | $138.67 |
| Total ($25,000 invested) | $25,000 | 2.969% blended | $742.37/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 Spokane Valley, Washington
About Our Spokane Valley, Washington CD Rate Database
MonitorBankRates tracks 1,633 CD rates from 29 banks and 71 credit unions with locations in Spokane Valley, 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: Ironworkers USA Federal Credit Union offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Spokane Valley, Washington.
How to Find the Best CD Rates in Spokane Valley, Washington
What to compare when shopping for a CD in Spokane Valley, Washington
To find the best APYs in Spokane Valley, Washington, start with credit unions and online-only banks: Spokane Valley, Washington has 71 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 Spokane Valley, 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 Spokane Valley, Washington: 100 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Spokane Valley, 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 Spokane Valley, Washington money market rates
Spokane Valley, Washington Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s WA 12-month CD average of 3.418%, saving 10% of the local median salary ($4,123/year) and putting it in a CD would earn an additional $141 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 Spokane Valley, 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 |
CD Product Information
How CDs Work
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 Spokane Valley, 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 Spokane Valley, Washington as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Spokane Valley, Washington savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Idaho Central Credit Union is offering its 60 Month Promo CD at 4.30% 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
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 Spokane Valley, 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
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 Spokane Valley, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Spokane Valley, 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 Spokane Valley, Washington
What are CD rates in Spokane Valley, Washington today?
Are CD rates in Spokane Valley, Washington FDIC insured?
Do I have to pay state taxes on CD interest in Spokane Valley, 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 Spokane Valley, Washington?
- Ironworkers USA Federal Credit Union: 4.75% APY (Share Certificate - 24 Month)
- Gesa Credit Union: 4.60% APY (IRA CD 18 Months)
- Governmental Employees Credit Union: 4.50% APY (12 Month IRA Certificate - CD SPECIAL)
- Numerica Credit Union: 4.50% APY (Certificate - 36 month)
- Horizon Credit Union: 4.38% APY (12 Month Certificate)
- Idaho Central Credit Union: 4.30% APY (60 Month Promo CD)
- Canopy Federal Credit Union: 4.15% APY (18 Month Term Share)
- Washington State Employees Credit Union: 3.85% APY (18-Month Flex-Withdrawal Certificate)
- Washington Trust Bank: 3.56% APY (12 Month Fixed Rate Certificates)
- Global Federal Credit Union: 3.30% APY (60 Month Business Certificate)
Spokane Valley, 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 Spokane Valley, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 Spokane Valley, Washington
At today’s WA top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Spokane Valley, Washington CD LadderWA CD rates currently range from 2.433% (3-month) to 2.774% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Spokane Valley, Washington CD at 4.75% 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 3.418% 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 Spokane Valley, 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 Spokane Valley, 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 Spokane Valley, 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.
Spokane Valley, Washington Rates & Resources
