Tacoma, Washington Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Tacoma, Washington CD rates range from 0.02% to 5.12% APY, verified by MonitorBankRates as of October 23, 2026. Current Tacoma, Washington CD rates include Gesa Credit UnionGesa Credit Union2637 N Pearl St, Tacoma, WA 98407A5.0 ★Texas Ratio: 6.57%Real return: +0.90%APY minus CPIRate verified Oct 19, 2026 offering IRA CD - 18 Months at 4.60% APY, Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union1724 E 44th St, Tacoma, WA 98404 4611A+5.0 ★Texas Ratio: 4.30%Real return: +0.76%APY minus CPIRate verified Oct 19, 2026 offering 2 Year IRA Jumbo Certificate at 4.46% APY, Navy Federal Credit UnionNavy Federal Credit Union3407 S 23RD ST, TACOMA, WA 98405A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 20, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Timberland BankTimberland Bank7805 S Hosmer St, Tacoma, WA 98408A+5.0 ★Texas Ratio: 3.23%Real return: +0.50%APY minus CPIRate verified Oct 21, 2026 offering 18 Month CD Special at 4.20% APY, and Spark Federal Credit UnionSpark Federal Credit Union3049 S 36th St, Tacoma, WA 98409A+5.0 ★Texas Ratio: 2.12%Real return: +0.36%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Share Certificate at 4.06% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Tacoma has 402 local institutions in our database, with CD rates as high as 4.60% APY from Gesa Credit Union at 2637 N Pearl St, Tacoma, WA 98407. 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 23, 2026
Compare Best CD Rates in Tacoma, Washington & the Surrounding Area
Tacoma 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 3-Mo. Term
$1,000
3.51%
▲ 1.07% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 1.07% above avgNationally 2.13%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.30%
▲ 0.86% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.86% above avgNationally 2.13%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.15%
▲ 0.71% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.71% above avgNationally 2.13%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04%
▲ 0.60% above Washington avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.60% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.00%
▲ 0.56% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.56% above avgNationally 2.13%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$500
3.00%
▲ 0.56% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.56% above avgNationally 2.13%
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 8 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 3 Month
$0
2.50%
▲ 0.06% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.06% above avgNationally 2.13%
Details
Dividend Rate 2.47%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 3 Month
$0
2.50%
▲ 0.06% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.06% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
3 Month Fixed Rate Certificates
$0
2.43%
▼ 0.01% below Washington avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▼ 0.01% below avgNationally 2.13%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.43% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
3 Month Jumbo Fixed-Rate CD
$0
2.43%
▼ 0.01% below Washington avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▼ 0.01% below avgNationally 2.13%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.43% APY
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$1,000
2.25%
▼ 0.19% below Washington avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 0.19% below avgNationally 2.13%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00%
- Oct 20, 20262.25%▲ from 2.00%
- Sep 19, 20262.00%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 3 Month Certificate of Deposit
$0
2.25%
▼ 0.19% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 0.19% below avgNationally 2.13%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 2 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$0
2.00%
▼ 0.44% below Washington avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 0.44% below avgNationally 2.13%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 10 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
3 Month Short-Term Certificate
$0
1.55%
▼ 0.89% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 0.89% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
3 Month Short-Term Certificate
$0
1.50%
▼ 0.94% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 0.94% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 3 Month Certificate
$500
1.10%
▼ 1.34% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▼ 1.34% below avgNationally 2.13%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 1.10% APY
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
3 Month Certificate
$500
1.00%
▼ 1.44% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▼ 1.44% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 1.00% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.38% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 2.38% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.39% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▼ 2.39% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.39% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▼ 2.39% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
3 Month Standard CD
$1,000
0.05%
▼ 2.39% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▼ 2.39% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.14% above Washington avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average2.44%▲ 2.14% above avgNationally 2.13%
Details
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
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00%
▲ 1.56% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 1.56% above avgNationally 2.13%
Details
Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.00% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.56% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 1.56% above avgNationally 2.13%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90%
▲ 1.46% above Washington avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 1.46% above avgNationally 2.13%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.41% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average2.44%▲ 1.41% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82%
▲ 1.38% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.44%▲ 1.38% above avgNationally 2.13%
Details
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%
▲ 1.38% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.44%▲ 1.38% above avgNationally 2.13%
Details
Share Certificates; dividends paid monthly; penalty may apply for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 5 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 month Fixed
$0
3.60%
▲ 1.16% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 1.16% above avgNationally 2.13%
Details
Balance: $1,000+
Rate History
No change since Oct 22, 2026 · 3.60% APY
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55%
▲ 1.11% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 1.11% above avgNationally 2.13%
Details
Dividends Compounded Quarterly
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month CD
$100
3.51%
▲ 1.07% above Washington avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 1.07% above avgNationally 2.13%
Details
Maximum of $2.5 million per customer; other restrictions may apply
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50%
▲ 1.06% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 1.06% above avgNationally 2.13%
Details
Minimum Balance $500
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.06% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 1.06% above avgNationally 2.13%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 90 Day Fixed Rate
$100
3.50%
▲ 1.06% above Washington avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 1.06% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50%
▲ 1.06% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average2.44%▲ 1.06% above avgNationally 2.13%
Details
Balance: $100,000 and over; Early withdrawal penalty: 90 days' interest
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 3 month
$1,000
3.50%
▲ 1.06% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 1.06% above avgNationally 2.13%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
3.45%
▲ 1.01% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 1.01% above avgNationally 2.13%
Details
Prospective rates; Dividend Rate 3.40%; *Not available for IRA accounts
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificates of Deposit - 3 Months
$2,500
3.40%
▲ 0.96% above Washington avg
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average2.44%▲ 0.96% above avgNationally 2.13%
Details
Balance: $2,500 - $99,999; Early withdrawal penalty: 90 days' interest
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40%
▲ 0.96% above Washington avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.44%▲ 0.96% above avgNationally 2.13%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25%
▲ 0.81% above Washington avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 0.81% above avgNationally 2.13%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25%
▲ 0.81% above Washington avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 0.81% above avgNationally 2.13%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15%
▲ 0.71% above Washington avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.71% above avgNationally 2.13%
Details
Source shows $25,000 min. deposit; the $100,000 figure and 'Jumbo' label are not in the source
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Oct 14, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 3-Month Certificate
$100,000
3.15%
▲ 0.71% above Washington avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.71% above avgNationally 2.13%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.15% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$50,000
3.10%
▲ 0.66% above Washington avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.66% above avgNationally 2.13%
Details
$50,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Oct 14, 20263.10%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.05%
▲ 0.61% above Washington avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.61% above avgNationally 2.13%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
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
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
90 Day Certificate of Deposit
$1,000
3.02%
▲ 0.58% above Washington avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 0.58% above avgNationally 2.13%
Details
Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts
Rate History
No change since Oct 22, 2026 · 3.02% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01%
▲ 0.57% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.57% above avgNationally 2.13%
Details
Dividend rate only; no APY printed in source table; $25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 14, 20263.01%▲ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$1,000
3.00%
▲ 0.56% above Washington avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.44%▲ 0.56% above avgNationally 2.13%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
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
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 3 Month
$0
3.00%
▲ 0.56% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 0.56% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.00% APY
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$500
3.00%
▲ 0.56% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.44%▲ 0.56% above avgNationally 2.13%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.00% APY
Tacoma 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 6 Months
$0
4.10%
▲ 0.96% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.96% above avgNationally 2.78%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3049 S 36th St, Tacoma, WA 98409
6 Month Share Certificate
$1,000
4.06%
▲ 0.92% above Washington avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.14%▲ 0.92% above avgNationally 2.78%
Details
Effective Date: August 20, 2026
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month IRA Jumbo Certificate
$50,000
4.05%
▲ 0.91% above Washington avg
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.91% above avgNationally 2.78%
Details
Bump Option: Not Eligible; Early withdrawal penalty applies
Rate History
1 change since Sep 22, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 19, 20264.05%▲ from 3.65%
- Sep 22, 20263.65%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Jumbo Certificates of Deposit
$50,000
4.00%
▲ 0.86% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.78%
Details
Bump Option: Not Eligible; Effective as of October 19th, 2026
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
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 6 month
$50,000
4.00%
▲ 0.86% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.86% above avgNationally 2.78%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; 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 10, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 6 Months
$0
3.95%
▲ 0.81% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.81% above avgNationally 2.78%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 6 month
$1,000
3.90%
▲ 0.76% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.76% above avgNationally 2.78%
Details
Bump Option: Not Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 10, 20263.90%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 6 Months
$0
3.80%
▲ 0.66% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.78%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Business Certificate of Deposit
$1,000
3.80%
▲ 0.66% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.78%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible; Effective as of October 19th, 2026
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%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 6 month
$1,000
3.80%
▲ 0.66% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.66% above avgNationally 2.78%
Details
Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Oct 19, 20263.80%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate - Wave Club
$0
3.75%
▲ 0.61% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.78%
Details
Standard Certificates; Wave Club: requires PSCCU primary checking account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
6-Month Term CD
$1,000
3.75%
▲ 0.61% above Washington avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 6-Month
$1,000
3.75%
▲ 0.61% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.61% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Business Jumbo Certificate
$0
3.65%
▲ 0.51% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 6 Month
$0
3.65%
▲ 0.51% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.51% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 6-month
$60,000
3.60%
▲ 0.46% above Washington avg
▼
Rate3.60%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.78%
Details
Rate History
1 change since Sep 12, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
- Oct 15, 20263.60%▲ from 3.10%
- Sep 12, 20263.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.60%
▲ 0.46% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.78%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.60%
▲ 0.46% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.46% above avgNationally 2.78%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 6-month
$1,000
3.50%
▲ 0.36% above Washington avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.14%▲ 0.36% above avgNationally 2.78%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 15, 20263.50%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate
$0
3.50%
▲ 0.36% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.36% above avgNationally 2.78%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.45%
▲ 0.31% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.31% above avgNationally 2.78%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 6 Month
$0
3.40%
▲ 0.26% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.26% above avgNationally 2.78%
Details
Dividend Rate 3.35%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 6 Month
$0
3.40%
▲ 0.26% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.26% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 6-Mo. Term
$1,000
3.40%
▲ 0.26% above Washington avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.26% above avgNationally 2.78%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 6-Mo. Term
$1,000
3.40%
▲ 0.26% above Washington avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.26% above avgNationally 2.78%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.40%
▲ 0.26% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.26% above avgNationally 2.78%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 6 Month Certificate
$500
3.30%
▲ 0.16% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.14%▲ 0.16% above avgNationally 2.78%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.30% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.30%
▲ 0.16% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.16% above avgNationally 2.78%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 6-Month CD
$500
3.30%
▲ 0.16% above Washington avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.16% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
6-Month Add-On Certificate
$250
3.25%
▲ 0.11% above Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.11% above avgNationally 2.78%
Details
Special competitive certificate rate; unlimited additional deposits up to an aggregate maximum of $5 million during the term; early withdrawal penalties may apply
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
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Short-term Share Certificate - 6-Month Add-On
$250
3.25%
▲ 0.11% above Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▲ 0.11% above avgNationally 2.78%
Details
Short-term Share Certificate Rates; 6-Month Add-On Certificate; unlimited additional deposits allowed during term; early withdrawal penalties may apply
Rate History
No change since Oct 19, 2026 · 3.25% APY
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
6 Month Certificate
$500
3.20%
▲ 0.06% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.14%▲ 0.06% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.20% APY
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 6-Month Certificate
$50,000
3.03%
▼ 0.11% below Washington avg
▼
Rate2.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 0.11% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
6-Month Certificate
$500
2.93%
▼ 0.21% below Washington avg
▼
Rate2.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 0.21% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$1,000
2.55%
▼ 0.59% below Washington avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▼ 0.59% below avgNationally 2.78%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 2.30% → 2.55% ▲ 0.25 pts · high 2.55% / low 2.30%
- Oct 20, 20262.55%▲ from 2.30%
- Sep 19, 20262.30%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 6 Month Certificate of Deposit
$0
2.55%
▼ 0.59% below Washington avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▼ 0.59% below avgNationally 2.78%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 2.55% APY · checked 2 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
6 Month Fixed Rate Certificates
$0
2.53%
▼ 0.61% below Washington avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.14%▼ 0.61% below avgNationally 2.78%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.53% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
6 Month Jumbo Fixed-Rate CD
$0
2.53%
▼ 0.61% below Washington avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.14%▼ 0.61% below avgNationally 2.78%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.53% APY
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$50,000
2.50%
▼ 0.64% below Washington avg
▼
Rate2.47%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 0.64% below avgNationally 2.78%
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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$10,000
2.45%
▼ 0.69% below Washington avg
▼
Rate2.42%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 0.69% below avgNationally 2.78%
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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$500
2.40%
▼ 0.74% below Washington avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 0.74% below avgNationally 2.78%
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 8 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$0
2.30%
▼ 0.84% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▼ 0.84% below avgNationally 2.78%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 10 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Veterans Family Fund
$100
1.50%
▼ 1.64% below Washington avg
▼
Rate1.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 1.64% below avgNationally 2.78%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed - See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Oct 19, 2026 · 1.50% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 3.08% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▼ 3.08% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 3.09% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▼ 3.09% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.09% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 3.09% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
6 Month Standard CD
$1,000
0.05%
▼ 3.09% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.14%▼ 3.09% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.16% above Washington avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average3.14%▲ 1.16% above avgNationally 2.78%
Details
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
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.01% above Washington avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.14%▲ 1.01% above avgNationally 2.78%
Details
Balance: $10,000-$1,000,000; Promotional CD available only from October 6th-December 31st, 2026; new deposits only; automatically renews once at 3.65% (3.68% APY) for 6 months; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10%
▲ 0.96% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.14%▲ 0.96% above avgNationally 2.78%
Details
New Money CD; Minimum balance to open account online: $1,000
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 14, 20264.10%▲ from 4.05%
- Sep 27, 20264.05%first recorded
Tacoma 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 12 Months
$0
4.50%
▲ 1.15% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 1.15% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.00% above Washington avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.35%▲ 1.00% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 12 Months
$0
4.35%
▲ 1.00% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 1.00% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year IRA Jumbo Certificate
$50,000
4.26%
▲ 0.91% above Washington avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.91% above avgNationally 2.99%
Details
Bump Option: Not Eligible; Early withdrawal penalty applies
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
- Oct 19, 20264.26%▲ from 3.80%
- Sep 22, 20263.80%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 12 Months
$0
4.20%
▲ 0.85% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.85% above avgNationally 2.99%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Jumbo Certificates of Deposit
$50,000
4.15%
▲ 0.80% above Washington avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.80% above avgNationally 2.99%
Details
Bump Option: Not Eligible; Effective as of October 19th, 2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 14, 20264.15%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 1 year
$50,000
4.15%
▲ 0.80% above Washington avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.80% above avgNationally 2.99%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 10, 20264.15%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 1 year
$1,000
4.11%
▲ 0.76% above Washington avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.76% above avgNationally 2.99%
Details
Bump Option: Not Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.11% ▲ 0.45 pts · high 4.11% / low 3.66%
- Oct 10, 20264.11%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month Short-Term Certificate
$0
4.10%
▲ 0.75% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.35%▲ 0.75% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
4.10%
▲ 0.75% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.75% above avgNationally 2.99%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3049 S 36th St, Tacoma, WA 98409
12 Month Share Certificate
$1,000
4.06%
▲ 0.71% above Washington avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.71% above avgNationally 2.99%
Details
Effective Date: August 20, 2026
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month Short-Term Certificate
$0
4.05%
▲ 0.70% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.35%▲ 0.70% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
7805 S Hosmer St, Tacoma, WA 98408
12 Month CD Special
$500
4.05%
▲ 0.70% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average3.35%▲ 0.70% above avgNationally 2.99%
Details
Promotional APY effective as of October 20, 2026, subject to change without notice; early withdrawal penalty may apply; $500 minimum to open account and earn APY
Rate History
1 change since Sep 11, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 21, 20264.05%▲ from 3.80%
- Sep 11, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month EasyStart Certificate
$50
4.00%
▲ 0.65% above Washington avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate - Wave Club
$0
4.00%
▲ 0.65% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
Standard Certificates; Wave Club: requires PSCCU primary checking account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Wave Club Certificate - 12 Month
$500
4.00%
▲ 0.65% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
IRA Certificate; Wave Club rate requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
4.00%
▲ 0.65% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
1-Year Term CD
$1,000
4.00%
▲ 0.65% above Washington avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 1-Year
$1,000
4.00%
▲ 0.65% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.65% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
3.95%
▲ 0.60% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.60% above avgNationally 2.99%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Business Certificate of Deposit
$1,000
3.90%
▲ 0.55% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.55% above avgNationally 2.99%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible; Effective as of October 19th, 2026
Rate History
1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
- Oct 10, 20263.90%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 1 year
$1,000
3.90%
▲ 0.55% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.55% above avgNationally 2.99%
Details
Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
- Oct 19, 20263.90%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
3.85%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.50% above avgNationally 2.99%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▲ 0.47% above Washington avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
3.80%
▲ 0.45% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.45% above avgNationally 2.99%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
Promotional Share Certificates - 12 Months
$500
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
New money
Rate History
No change since Oct 23, 2026 · 3.75% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
12 Month Business Jumbo Certificate
$0
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 12 Month
$0
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% 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%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% 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 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
12-Month Certificate
$500
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 12-Month Certificate
$50,000
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate
$0
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Certificate - 12 Month
$500
3.75%
▲ 0.40% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.40% above avgNationally 2.99%
Details
IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
3.70%
▲ 0.35% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.35% above avgNationally 2.99%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.70%
▲ 0.35% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.35% above avgNationally 2.99%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 12-month
$60,000
3.61%
▲ 0.26% above Washington avg
▼
Rate3.57%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.26% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.10% → 3.61% ▲ 0.51 pts · high 3.61% / low 3.10%
- Oct 15, 20263.61%▲ from 3.10%
- Sep 12, 20263.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Certificate Account
$500
3.60%
▲ 0.25% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.25% above avgNationally 2.99%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
12 Month Fixed Rate Certificates
$0
3.56%
▲ 0.21% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.35%▲ 0.21% above avgNationally 2.99%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 3.56% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
12 Month Jumbo Fixed-Rate CD
$0
3.56%
▲ 0.21% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.35%▲ 0.21% above avgNationally 2.99%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 3.56% APY
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Certificate, 12 month
$1,000
3.55%
▲ 0.20% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.20% above avgNationally 2.99%
Details
Traditional or Roth; rate guaranteed for the full term
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Share Certificate - 12 Month
$1,000
3.55%
▲ 0.20% above Washington avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.20% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 3.55% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 12-month
$1,000
3.51%
▲ 0.16% above Washington avg
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.35%▲ 0.16% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 3.51% ▲ 0.51 pts · high 3.51% / low 3.00%
- Oct 15, 20263.51%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 12 Month
$0
3.50%
▲ 0.15% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.15% above avgNationally 2.99%
Details
Dividend Rate 3.45%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 12 Month
$0
3.50%
▲ 0.15% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.15% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates - 12 Month
$0
3.50%
▲ 0.15% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.15% above avgNationally 2.99%
Details
Dividend Rate 3.44%; APY 3.50%
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Certificate Account
$500
3.45%
▲ 0.10% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.10% above avgNationally 2.99%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.45%
▲ 0.10% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.10% above avgNationally 2.99%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Youth CD: 12 Month
$0
3.45%
▲ 0.10% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.35%▲ 0.10% above avgNationally 2.99%
Details
Balance: $250 and over; Certificate Amount: $250 and over; Effective Date: May 15, 2026
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 6 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 12 Month Certificate
$500
3.40%
▲ 0.05% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.35%▲ 0.05% above avgNationally 2.99%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.40% APY
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 12 Month Youth Add-On Certificate
$100
3.40%
▲ 0.05% above Washington avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.35%▲ 0.05% above avgNationally 2.99%
Details
IRA Certificate; youth certificate; an adult must accompany a minor as joint owner
Rate History
No change since Oct 22, 2026 · 3.40% APY
Tacoma 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 18 Months
$0
4.60%
▲ 1.34% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 1.34% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 18 Months
$0
4.45%
▲ 1.19% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 1.19% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 18 Months
$0
4.30%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 1.04% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
7805 S Hosmer St, Tacoma, WA 98408
18 Month CD Special
$500
4.20%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average3.26%▲ 0.94% above avgNationally 2.88%
Details
Promotional APY effective as of October 20, 2026, subject to change without notice; early withdrawal penalty may apply; $500 minimum to open account and earn APY
Rate History
No change since Oct 21, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
18 Month Short-Term Certificate
$0
4.15%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.26%▲ 0.89% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
18 Month Short-Term Certificate
$0
4.10%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.26%▲ 0.84% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
4.10%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 0.84% above avgNationally 2.88%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
18-month Certificate Special
$0
4.00%
▲ 0.74% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 0.74% above avgNationally 2.88%
Details
Special Certificates
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
3.95%
▲ 0.69% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 0.69% above avgNationally 2.88%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
3.80%
▲ 0.54% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 0.54% above avgNationally 2.88%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Certificate, 18 month
$1,000
3.75%
▲ 0.49% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.49% above avgNationally 2.88%
Details
Traditional or Roth; rate guaranteed for the full term
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Share Certificate - 18 Month
$1,000
3.75%
▲ 0.49% above Washington avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Oct 23, 2026 · 3.75% APY
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
Promotional Share Certificates - 18 Months
$5,000
3.75%
▲ 0.49% above Washington avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
18 Month EasyStart Certificate
$50
3.70%
▲ 0.44% above Washington avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.26%▲ 0.44% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3049 S 36th St, Tacoma, WA 98409
18 Month Share Certificate
$1,000
3.55%
▲ 0.29% above Washington avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.29% above avgNationally 2.88%
Details
Effective Date: August 20, 2026
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 18 Month Certificate
$500
3.35%
▲ 0.09% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▲ 0.09% above avgNationally 2.88%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.35% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
18 Month Business Jumbo Certificate
$0
3.25%
▼ 0.01% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.01% below avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 18 Month
$0
3.25%
▼ 0.01% below Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.01% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 18-Mo. Term
$1,000
3.25%
▼ 0.01% below Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.01% below avgNationally 2.88%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 18-Mo. Term
$1,000
3.25%
▼ 0.01% below Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.01% below avgNationally 2.88%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
18 Month Certificate
$500
3.25%
▼ 0.01% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▼ 0.01% below avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 18 Month Bump Certificate of Deposit
$0
3.20%
▼ 0.06% below Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.26%▼ 0.06% below avgNationally 2.88%
Details
Without Checking rate; Client may bump the rate once to the then-current 18-month Bump Rate
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
18-Month Flex-Withdrawal Certificate
$0
3.15%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.11% below avgNationally 2.88%
Details
Special competitive certificate rate; one penalty-free withdrawal of up to 50% of the balance during the term; IRA Certificates not eligible
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Short-term Share Certificate - 18 months
$250
3.15%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.11% below avgNationally 2.88%
Details
Short-term Share Certificate Rates; 18-Month Flex-Withdrawal Certificate; access up to half of savings without penalty; early withdrawal penalties may apply
Rate History
No change since Oct 19, 2026 · 3.15% APY
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
3.00%
▼ 0.26% below Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.26% below avgNationally 2.88%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 18 Month (Flex)
$0
2.99%
▼ 0.27% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.27% below avgNationally 2.88%
Details
Flex Certificate; Unlimited add-on deposits; Bump option: rate increased to current Flex rate upon request; Withdrawal cannot reduce balance below $2,500
Rate History
No change since Oct 19, 2026 · 2.99% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 18 Month (Flex)
$0
2.99%
▼ 0.27% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.27% below avgNationally 2.88%
Details
Flex Certificate; withdrawal amount cannot reduce balance below $2,500 minimum; bump option: rate may be increased to current Flex Certificate rate upon request
Rate History
No change since Oct 13, 2026 · 2.99% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates - 18 Month
$0
2.99%
▼ 0.27% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.27% below avgNationally 2.88%
Details
Dividend Rate 2.95%; APY 2.99%
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
18 Month Bump Certificate of Deposit
$0
2.95%
▼ 0.31% below Washington avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average3.26%▼ 0.31% below avgNationally 2.88%
Details
Without Checking; Bump certificate
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 9 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
2.85%
▼ 0.41% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.41% below avgNationally 2.88%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
18-Month Term CD
$1,000
2.75%
▼ 0.51% below Washington avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.51% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 18-Month
$1,000
2.75%
▼ 0.51% below Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.51% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 18-Month Certificate
$50,000
2.56%
▼ 0.70% below Washington avg
▼
Rate2.53%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.70% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 7 times
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1722 S Union Ave, Tacoma, WA 98405
18 Month Fixed Rate CD
$2,500
2.50%
▼ 0.76% below Washington avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▼ 0.76% below avgNationally 2.88%
Details
Balance: Up to $24,999.99; IRA minimum $100
Rate History
No change since Oct 22, 2026 · 2.50% APY
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1722 S Union Ave, Tacoma, WA 98405
Fixed Rate CD - 18 Months
$2,500
2.50%
▼ 0.76% below Washington avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▼ 0.76% below avgNationally 2.88%
Details
Balance: Up to $24,999.99; IRAs minimum $100 to open
Rate History
No change since Oct 22, 2026 · 2.50% APY
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Certificate
$500
2.41%
▼ 0.85% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.85% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.41% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Fixed Rate Accumulator IRA Certificate
$500
2.41%
▼ 0.85% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 0.85% 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 7 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
18 Month Fixed Rate Certificates
$0
2.28%
▼ 0.98% below Washington avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▼ 0.98% below avgNationally 2.88%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.28% APY
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 18-Month Certificate
$500
2.05%
▼ 1.21% below Washington avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 1.21% below avgNationally 2.88%
Details
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%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$10,000
1.50%
▼ 1.76% below Washington avg
▼
Rate1.49%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 1.76% 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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$500
1.40%
▼ 1.86% below Washington avg
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 1.86% 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 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.51% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 2.51% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
18 Month Standard CD
$1,000
0.75%
▼ 2.51% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▼ 2.51% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
18 Month Certificate of Deposit
$500
0.02%
▼ 3.24% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▼ 3.24% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 0.94% above Washington avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average3.26%▲ 0.94% 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%
▲ 0.94% above Washington avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average3.26%▲ 0.94% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18%
▲ 0.92% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Washington Average3.26%▲ 0.92% above avgNationally 2.88%
Details
GBC 50th Anniversary Special!
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%
▲ 0.89% above Washington avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.89% above avgNationally 2.88%
Details
Special Rate!; Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10%
▲ 0.84% above Washington avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average3.26%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 8 times
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 18 Month
$0
4.10%
▲ 0.84% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average3.26%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
Tacoma 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year IRA Jumbo Certificate
$50,000
4.46%
▲ 1.56% above Washington avg
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.56% above avgNationally 2.90%
Details
Bump Option: Eligible; Early withdrawal penalty applies
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
- Oct 19, 20264.46%▲ from 3.80%
- Sep 22, 20263.80%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Jumbo Certificates of Deposit
$50,000
4.35%
▲ 1.45% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.45% above avgNationally 2.90%
Details
Bump Option: Eligible; Effective as of October 19th, 2026
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%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 2 year
$50,000
4.35%
▲ 1.45% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.45% above avgNationally 2.90%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; 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 10, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 2 year
$1,000
4.31%
▲ 1.41% above Washington avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.41% above avgNationally 2.90%
Details
Bump Option: Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
- Oct 10, 20264.31%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 24 Months
$0
4.30%
▲ 1.40% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.40% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 24 Months
$0
4.15%
▲ 1.25% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.25% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
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%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Business Certificate of Deposit
$1,000
4.10%
▲ 1.20% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.20% above avgNationally 2.90%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible; Effective as of October 19th, 2026
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%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 2 year
$1,000
4.10%
▲ 1.20% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.20% above avgNationally 2.90%
Details
Bump Option: Eligible
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 19, 20264.10%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate - Wave Club
$0
4.00%
▲ 1.10% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.10% above avgNationally 2.90%
Details
Standard Certificates; Wave Club: requires PSCCU primary checking account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Wave Club Certificate - 24 Month
$500
4.00%
▲ 1.10% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.10% above avgNationally 2.90%
Details
IRA Certificate; Wave Club rate requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 24 Months
$0
4.00%
▲ 1.10% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.10% above avgNationally 2.90%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.90%
▲ 1.00% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 1.00% above avgNationally 2.90%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.80%
▲ 0.90% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.90% above avgNationally 2.90%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate
$0
3.75%
▲ 0.85% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.85% above avgNationally 2.90%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Certificate - 24 Month
$500
3.75%
▲ 0.85% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.85% above avgNationally 2.90%
Details
IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.75%
▲ 0.85% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.85% above avgNationally 2.90%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
24 Month Short-Term Certificate
$0
3.70%
▲ 0.80% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▲ 0.80% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
24 Month Short-Term Certificate
$0
3.66%
▲ 0.76% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▲ 0.76% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.65%
▲ 0.75% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.75% above avgNationally 2.90%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
24 Month EasyStart Certificate
$50
3.60%
▲ 0.70% above Washington avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▲ 0.70% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.60%
▲ 0.70% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.70% above avgNationally 2.90%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.50%
▲ 0.60% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.60% above avgNationally 2.90%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Account
$500
3.40%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.50% above avgNationally 2.90%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 24 Month Certificate
$500
3.30%
▲ 0.40% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.90%▲ 0.40% above avgNationally 2.90%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.30% APY
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3049 S 36th St, Tacoma, WA 98409
24 Month Share Certificate
$1,000
3.29%
▲ 0.39% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.90%▲ 0.39% above avgNationally 2.90%
Details
Effective Date: August 20, 2026
Rate History
No change since Oct 22, 2026 · 3.29% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 24-Mo. Term
$1,000
3.25%
▲ 0.35% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.35% above avgNationally 2.90%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 24-Mo. Term
$1,000
3.25%
▲ 0.35% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.35% above avgNationally 2.90%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Account
$500
3.25%
▲ 0.35% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.35% above avgNationally 2.90%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
24 Month Certificate
$500
3.20%
▲ 0.30% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.90%▲ 0.30% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.20% APY
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Long-term Share Certificate 24 months
$250
3.10%
▲ 0.20% above Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.20% above avgNationally 2.90%
Details
Long-term Share Certificate Rates; Get started with as little as $250
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Account
$500
3.10%
▲ 0.20% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.20% above avgNationally 2.90%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 24-month
$60,000
3.08%
▲ 0.18% above Washington avg
▼
Rate3.05%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.90%▲ 0.18% above avgNationally 2.90%
Details
Rate History
1 change since Sep 12, 2026 · 2.57% → 3.08% ▲ 0.51 pts · high 3.08% / low 2.57%
- Oct 15, 20263.08%▲ from 2.57%
- Sep 12, 20262.57%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
24 Month Business Jumbo Certificate
$0
3.01%
▲ 0.11% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.11% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.01% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 24 Month
$0
3.01%
▲ 0.11% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▲ 0.11% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.01% APY · checked 6 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 24-month
$1,000
2.98%
▲ 0.08% above Washington avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.90%▲ 0.08% above avgNationally 2.90%
Details
Rate History
1 change since Sep 12, 2026 · 2.47% → 2.98% ▲ 0.51 pts · high 2.98% / low 2.47%
- Oct 15, 20262.98%▲ from 2.47%
- Sep 12, 20262.47%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.90%
At Washington avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%At the averageNationally 2.90%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 24 Month
$0
2.75%
▼ 0.15% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.15% below avgNationally 2.90%
Details
Dividend Rate 2.72%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 24 Month
$0
2.75%
▼ 0.15% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.15% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates - 24 Month
$0
2.75%
▼ 0.15% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.15% below avgNationally 2.90%
Details
Dividend Rate 2.72%; APY 2.75%
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.70%
▼ 0.20% below Washington avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.20% below avgNationally 2.90%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼ 0.44% below Washington avg
▼
Rate2.43%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.44% below avgNationally 2.90%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 2.46% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$100,000
2.45%
▼ 0.45% below Washington avg
▼
Rate2.42%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.45% below avgNationally 2.90%
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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$100,000
2.40%
▼ 0.50% below Washington avg
▼
Rate2.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.50% below avgNationally 2.90%
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
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
24-Month Certificate
$500
2.36%
▼ 0.54% below Washington avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.54% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.36% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$1,000
2.35%
▼ 0.55% below Washington avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▼ 0.55% below avgNationally 2.90%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 2.10% → 2.35% ▲ 0.25 pts · high 2.35% / low 2.10%
- Oct 20, 20262.35%▲ from 2.10%
- Sep 19, 20262.10%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 24 Month Certificate of Deposit
$0
2.35%
▼ 0.55% below Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▼ 0.55% below avgNationally 2.90%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 2.35% APY · checked 2 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$50,000
2.35%
▼ 0.55% below Washington avg
▼
Rate2.33%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.55% below avgNationally 2.90%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed - See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$10,000
2.30%
▼ 0.60% below Washington avg
▼
Rate2.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.90%▼ 0.60% below avgNationally 2.90%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed - See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$0
2.10%
▼ 0.80% below Washington avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.90%▼ 0.80% below avgNationally 2.90%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 10 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
24 Month Fixed Rate Certificates
$0
2.02%
▼ 0.88% below Washington avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.90%▼ 0.88% below avgNationally 2.90%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.02% APY
Tacoma 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%
3407 S 23RD ST, TACOMA, WA 98405
3 Year Long-Term Certificate
$0
4.15%
▲ 1.44% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.72%▲ 1.44% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
3 Year Long-Term Certificate
$0
4.10%
▲ 1.38% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 36 Months
$0
3.75%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 1.04% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year IRA Jumbo Certificate
$50,000
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.89% above avgNationally 2.81%
Details
Bump Option: Eligible; Early withdrawal penalty applies
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 36 Months
$0
3.55%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.84% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 3 year
$1,000
3.51%
▲ 0.79% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.79% above avgNationally 2.81%
Details
Bump Option: Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
36-month Pacific Northwest (PNW) Certificate
$0
3.50%
▲ 0.79% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.79% above avgNationally 2.81%
Details
Special Certificates
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.50%
▲ 0.79% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.79% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.79% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.79% above avgNationally 2.81%
Details
Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
▲ 0.79% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.79% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 36 Months
$0
3.35%
▲ 0.64% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.64% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.30%
▲ 0.59% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.59% above avgNationally 2.81%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.59% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.59% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 5 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 3 year
$1,000
3.30%
▲ 0.59% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.59% above avgNationally 2.81%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 36-Mo. Term
$1,000
3.25%
▲ 0.54% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.54% above avgNationally 2.81%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 36-Mo. Term
$1,000
3.25%
▲ 0.54% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.54% above avgNationally 2.81%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
3.25%
▲ 0.54% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.54% above avgNationally 2.81%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.10%
▲ 0.39% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.39% above avgNationally 2.81%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 36 Month Certificate
$500
3.05%
▲ 0.33% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▲ 0.33% above avgNationally 2.81%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.05% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
3.05%
▲ 0.33% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.33% above avgNationally 2.81%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3049 S 36th St, Tacoma, WA 98409
36 Month Share Certificate
$1,000
3.03%
▲ 0.31% above Washington avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.72%▲ 0.31% above avgNationally 2.81%
Details
Effective Date: August 20, 2026
Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Account
$500
3.00%
▲ 0.29% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.29% above avgNationally 2.81%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
36 Month Certificate
$500
2.95%
▲ 0.24% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.95% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
36 Month Business Jumbo Certificate
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.20% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 2.91% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 36 Month
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.20% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.91% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
2.85%
▲ 0.14% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.14% above avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.85%
▲ 0.14% above Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.14% above avgNationally 2.81%
Details
Balance: $100,000 and over; Effective Date: May 15, 2026
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Account
$500
2.80%
▲ 0.08% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▲ 0.08% above avgNationally 2.81%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo 36-month Certificate
$60,000
2.72%
▲ 0.01% above Washington avg
▼
Rate2.70%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.72%▲ 0.01% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 2.21% → 2.72% ▲ 0.51 pts · high 2.72% / low 2.21%
- Oct 15, 20262.72%▲ from 2.21%
- Sep 12, 20262.21%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 36 Month
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.06% below avgNationally 2.81%
Details
Dividend Rate 2.62%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 36 Month
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.06% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates - 36 Month
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.06% below avgNationally 2.81%
Details
Dividend Rate 2.62%; APY 2.65%
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Long-term Share Certificate 36 months
$250
2.64%
▼ 0.07% below Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.07% below avgNationally 2.81%
Details
Long-term Share Certificate Rates; Get started with as little as $250
Rate History
No change since Sep 14, 2026 · 2.64% APY · checked 6 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 36-month
$1,000
2.62%
▼ 0.09% below Washington avg
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.72%▼ 0.09% below avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 2.11% → 2.62% ▲ 0.51 pts · high 2.62% / low 2.11%
- Oct 15, 20262.62%▲ from 2.11%
- Sep 12, 20262.11%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Account
$500
2.60%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.11% below avgNationally 2.81%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 2 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.60%
▼ 0.11% below Washington avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.11% below avgNationally 2.81%
Details
Balance: $500 - $99,999.99; Effective Date: May 15, 2026
Rate History
No change since Sep 22, 2026 · 2.60% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$10,000
2.05%
▼ 0.67% below Washington avg
▼
Rate2.03%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.67% 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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$500
2.00%
▼ 0.71% below Washington avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 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 8 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$1,000
1.95%
▼ 0.76% below Washington avg
▼
Rate1.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.72%▼ 0.76% below avgNationally 2.81%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 1.70% → 1.95% ▲ 0.25 pts · high 1.95% / low 1.70%
- Oct 20, 20261.95%▲ from 1.70%
- Sep 19, 20261.70%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 36 Month Certificate of Deposit
$0
1.95%
▼ 0.76% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.72%▼ 0.76% below avgNationally 2.81%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 1.95% APY · checked 2 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
36-Month Certificate
$500
1.89%
▼ 0.83% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.83% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 36-Month Certificate
$500
1.74%
▼ 0.97% below Washington avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.74% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$0
1.70%
▼ 1.02% below Washington avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.72%▼ 1.02% below avgNationally 2.81%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 1.70% APY · checked 10 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
36 Month Fixed Rate Certificates
$0
1.51%
▼ 1.20% below Washington avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▼ 1.20% below avgNationally 2.81%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.51% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
36 Month Jumbo Fixed-Rate CD
$0
1.51%
▼ 1.20% below Washington avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▼ 1.20% below avgNationally 2.81%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.51% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 1.96% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
36 Month Standard CD
$1,000
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.72%▼ 1.96% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
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 23, 2026
Washington Average2.72%▼ 2.11% below avgNationally 2.81%
Details
Flex certificate
Rate History
No change since Oct 12, 2026 · 0.60% APY · checked 2 times
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1015 A St, Tacoma, WA 98402
36 Month CD
$2,500
0.50%
▼ 2.22% below Washington avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▼ 2.22% below avgNationally 2.81%
Details
Business CD special; Earn up to 0.50% APY with a $2,500 minimum opening balance; Includes a one-time rate increase (Bump Rate) option during initial term; Visit a branch to open an account; Public funds not eligible
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 2 times
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1722 S Union Ave, Tacoma, WA 98405
36 Month Fixed Rate CD
$2,500
0.40%
▼ 2.32% below Washington avg
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.72%▼ 2.32% below avgNationally 2.81%
Details
Balance: Up to $24,999.99; IRA minimum $100
Rate History
No change since Oct 22, 2026 · 0.40% APY
Tacoma 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 48 Months
$0
3.75%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 1.09% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year IRA Jumbo Certificate
$50,000
3.60%
▲ 0.94% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.94% above avgNationally 2.81%
Details
Bump Option: Eligible; Early withdrawal penalty applies
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 48 Months
$0
3.55%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.89% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 4 year
$1,000
3.51%
▲ 0.85% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.85% above avgNationally 2.81%
Details
Bump Option: Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.50%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.84% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.84% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.84% above avgNationally 2.81%
Details
Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
▲ 0.84% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.84% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 48-Mo. Term
$1,000
3.35%
▲ 0.69% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.69% above avgNationally 2.81%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 48-Mo. Term
$1,000
3.35%
▲ 0.69% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.69% above avgNationally 2.81%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 48 Months
$0
3.35%
▲ 0.69% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.69% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.30%
▲ 0.64% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.64% above avgNationally 2.81%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.64% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.64% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 5 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 4 year
$1,000
3.30%
▲ 0.64% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.64% above avgNationally 2.81%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate - Wave Club
$0
3.25%
▲ 0.59% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.59% above avgNationally 2.81%
Details
Standard Certificates; Wave Club: requires PSCCU primary checking account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Wave Club Certificate - 48 Month
$500
3.25%
▲ 0.59% above Washington avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.59% above avgNationally 2.81%
Details
IRA Certificate; Wave Club rate requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
3.25%
▲ 0.59% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.59% above avgNationally 2.81%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.10%
▲ 0.44% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.44% above avgNationally 2.81%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 48 Month Certificate
$500
3.05%
▲ 0.39% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▲ 0.39% above avgNationally 2.81%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.05% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
3.05%
▲ 0.39% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.39% above avgNationally 2.81%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate
$0
3.00%
▲ 0.34% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.34% above avgNationally 2.81%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
IRA Certificate - 48 Month
$500
3.00%
▲ 0.34% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.34% above avgNationally 2.81%
Details
IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Account
$500
3.00%
▲ 0.34% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.34% above avgNationally 2.81%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
48 Month Certificate
$500
2.95%
▲ 0.29% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.95% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
2.85%
▲ 0.19% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.19% above avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Account
$500
2.80%
▲ 0.14% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 0.14% above avgNationally 2.81%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Account
$500
2.60%
▼ 0.06% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 0.06% below avgNationally 2.81%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo 48-month Certificate
$60,000
2.52%
▼ 0.14% below Washington avg
▼
Rate2.50%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.66%▼ 0.14% below avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 2.01% → 2.52% ▲ 0.51 pts · high 2.52% / low 2.01%
- Oct 15, 20262.52%▲ from 2.01%
- Sep 12, 20262.01%first recorded
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Long-term Share Certificate 48 months
$250
2.50%
▼ 0.16% below Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 0.16% below avgNationally 2.81%
Details
Long-term Share Certificate Rates; Get started with as little as $250
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 48 Month
$0
2.50%
▼ 0.16% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 0.16% below avgNationally 2.81%
Details
Dividend Rate 2.47%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 48 Month
$0
2.50%
▼ 0.16% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 0.16% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
48-month Certificate
$1,000
2.42%
▼ 0.24% below Washington avg
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.66%▼ 0.24% below avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 1.91% → 2.42% ▲ 0.51 pts · high 2.42% / low 1.91%
- Oct 15, 20262.42%▲ from 1.91%
- Sep 12, 20261.91%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$1,000
2.05%
▼ 0.61% below Washington avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.66%▼ 0.61% below avgNationally 2.81%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 1.80% → 2.05% ▲ 0.25 pts · high 2.05% / low 1.80%
- Oct 20, 20262.05%▲ from 1.80%
- Sep 19, 20261.80%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 48 Month Certificate of Deposit
$0
2.05%
▼ 0.61% below Washington avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.66%▼ 0.61% below avgNationally 2.81%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 2.05% APY · checked 2 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$0
1.80%
▼ 0.86% below Washington avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.66%▼ 0.86% below avgNationally 2.81%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 1.80% APY · checked 10 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
48-Month Certificate
$500
1.79%
▼ 0.87% below Washington avg
▼
Rate1.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 0.87% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.79% APY · checked 7 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
48 Month Fixed Rate Certificates
$0
1.41%
▼ 1.25% below Washington avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▼ 1.25% below avgNationally 2.81%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.41% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
48 Month Jumbo Fixed-Rate CD
$0
1.41%
▼ 1.25% below Washington avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▼ 1.25% below avgNationally 2.81%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.41% APY
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Certificate, 48 month
$1,000
1.00%
▼ 1.66% below Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.66%▼ 1.66% below avgNationally 2.81%
Details
Traditional or Roth; rate guaranteed for the full term
Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 2 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
IRA Share Certificate - 48 Month
$1,000
1.00%
▼ 1.66% below Washington avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.66%▼ 1.66% below avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 1.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.91% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 1.91% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
48 Month Standard CD
$1,000
0.75%
▼ 1.91% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 1.91% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
4-Year Jumbo CD
$100,000
0.50%
▼ 2.16% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 2.16% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
4-Year Term CD
$1,000
0.50%
▼ 2.16% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 2.16% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 4-Year
$1,000
0.50%
▼ 2.16% below Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 2.16% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1722 S Union Ave, Tacoma, WA 98405
48 Month Fixed Rate CD
$2,500
0.40%
▼ 2.26% below Washington avg
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▼ 2.26% below avgNationally 2.81%
Details
Balance: Up to $24,999.99; IRA minimum $100
Rate History
No change since Oct 22, 2026 · 0.40% APY
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1722 S Union Ave, Tacoma, WA 98405
Fixed Rate CD - 48 Months
$2,500
0.40%
▼ 2.26% below Washington avg
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▼ 2.26% below avgNationally 2.81%
Details
Balance: Up to $24,999.99; IRAs minimum $100 to open
Rate History
No change since Oct 22, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
4-Year RampUp CD
$50,000
0.25%
▼ 2.41% below Washington avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▼ 2.41% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
4 Year Certificate of Deposit
$500
0.15%
▼ 2.51% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.66%▼ 2.51% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Certificate Account
$500
4.20%
▲ 1.54% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 1.54% above avgNationally 2.81%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 19, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20%
▲ 1.54% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.66%▲ 1.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Tacoma 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%
3407 S 23RD ST, TACOMA, WA 98405
5 Year Long-Term Certificate
$0
3.90%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.85%▲ 1.05% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
5 Year Long-Term Certificate
$0
3.85%
▲ 1.00% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.85%▲ 1.00% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 60 Months
$0
3.75%
▲ 0.90% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.90% above avgNationally 2.92%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year IRA Jumbo Certificate
$50,000
3.60%
▲ 0.75% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.75% above avgNationally 2.92%
Details
Bump Option: Eligible; Early withdrawal penalty applies
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 60 Months
$0
3.55%
▲ 0.70% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.70% above avgNationally 2.92%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate 60-Mo. Term
$1,000
3.51%
▲ 0.66% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.66% above avgNationally 2.92%
Details
Compounds Monthly; Rates Effective: 04/01/2025
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 60-Mo. Term
$1,000
3.51%
▲ 0.66% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.66% above avgNationally 2.92%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate - 5 year
$1,000
3.51%
▲ 0.66% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.66% above avgNationally 2.92%
Details
Bump Option: Eligible; Effective as of October 19th, 2026; Early withdrawal penalty will reduce earnings
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.50%
▲ 0.65% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.65% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
▲ 0.65% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
IRA CD - 60 Months
$0
3.35%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.50% above avgNationally 2.92%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
6510 6th Ave, Tacoma, WA 98406
60 Month Business Certificate
$0
3.30%
▲ 0.45% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Minimum Balance: $250,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.30%
▲ 0.45% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.45% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible; Effective as of October 19th, 2026
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 5 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
Certificates - 5 year
$1,000
3.30%
▲ 0.45% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
3.25%
▲ 0.40% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
6510 6th Ave, Tacoma, WA 98406
60 Month Business Certificate
$0
3.15%
▲ 0.30% above Washington avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.85%▲ 0.30% above avgNationally 2.92%
Details
Minimum Balance: $100,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.10%
▲ 0.25% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.25% above avgNationally 2.92%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
IRA 60 Month Certificate
$500
3.05%
▲ 0.20% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.85%▲ 0.20% above avgNationally 2.92%
Details
IRA Certificate; cannot be withdrawn and moved into a non-IRA product without potential penalties
Rate History
No change since Oct 22, 2026 · 3.05% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
3.05%
▲ 0.20% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.20% above avgNationally 2.92%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
6510 6th Ave, Tacoma, WA 98406
60 Month Business Certificate
$0
3.00%
▲ 0.15% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.85%▲ 0.15% above avgNationally 2.92%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Account
$500
3.00%
▲ 0.15% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▲ 0.15% above avgNationally 2.92%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
9601 S TACOMA WAY STE 103, TACOMA, WA 98499
60 Month Certificate
$500
2.95%
▲ 0.10% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.85%▲ 0.10% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.95% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
2.85%
At Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%At the averageNationally 2.92%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Account
$500
2.80%
▼ 0.05% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.05% below avgNationally 2.92%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
60-month Certificate
$0
2.78%
▼ 0.07% below Washington avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.07% below avgNationally 2.92%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 2.78% APY · checked 3 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 60 Month
$0
2.75%
▼ 0.10% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.10% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo 60-month Certificate
$60,000
2.67%
▼ 0.18% below Washington avg
▼
Rate2.65%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.85%▼ 0.18% below avgNationally 2.92%
Details
Rate History
1 change since Sep 12, 2026 · 2.16% → 2.67% ▲ 0.51 pts · high 2.67% / low 2.16%
- Oct 15, 20262.67%▲ from 2.16%
- Sep 12, 20262.16%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Account
$500
2.60%
▼ 0.25% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.25% below avgNationally 2.92%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
60-month Certificate
$1,000
2.57%
▼ 0.28% below Washington avg
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Washington Average2.85%▼ 0.28% below avgNationally 2.92%
Details
Rate History
1 change since Sep 12, 2026 · 2.06% → 2.57% ▲ 0.51 pts · high 2.57% / low 2.06%
- Oct 15, 20262.57%▲ from 2.06%
- Sep 12, 20262.06%first recorded
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
Long-term Share Certificate 60 months
$250
2.50%
▼ 0.35% below Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.35% below avgNationally 2.92%
Details
Long-term Share Certificate Rates; Get started with as little as $250
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Business Certificates - 60 Month
$0
2.50%
▼ 0.35% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.35% below avgNationally 2.92%
Details
Dividend Rate 2.47%; Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 60 Month
$0
2.50%
▼ 0.35% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.35% below avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates - 60 Month
$0
2.25%
▼ 0.60% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.60% below avgNationally 2.92%
Details
Dividend Rate 2.23%; APY 2.25%
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$1,000
2.20%
▼ 0.65% below Washington avg
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.85%▼ 0.65% below avgNationally 2.92%
Details
Without Checking rate
Rate History
1 change since Sep 19, 2026 · 1.95% → 2.20% ▲ 0.25 pts · high 2.20% / low 1.95%
- Oct 20, 20262.20%▲ from 1.95%
- Sep 19, 20261.95%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Jumbo 60 Month Certificate of Deposit
$0
2.20%
▼ 0.65% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.85%▼ 0.65% below avgNationally 2.92%
Details
Without Checking rate; Clients without a checking account receive this rate
Rate History
No change since Oct 20, 2026 · 2.20% APY · checked 2 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$10,000
2.15%
▼ 0.70% below Washington avg
▼
Rate2.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.70% below avgNationally 2.92%
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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$500
2.10%
▼ 0.75% below Washington avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.75% below avgNationally 2.92%
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 8 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$0
1.95%
▼ 0.90% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Washington Average2.85%▼ 0.90% below avgNationally 2.92%
Details
Without Checking
Rate History
No change since Sep 19, 2026 · 1.95% APY · checked 10 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼ 0.96% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 0.96% below avgNationally 2.92%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$10,000
1.80%
▼ 1.05% below Washington avg
▼
Rate1.78%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 1.05% below avgNationally 2.92%
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 8 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$500
1.70%
▼ 1.15% below Washington avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 1.15% below avgNationally 2.92%
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 8 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
60 Month Fixed Rate Certificates
$0
1.31%
▼ 1.54% below Washington avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.85%▼ 1.54% below avgNationally 2.92%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.31% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
950 Pacific Ave, Tacoma, WA 98402
60 Month Jumbo Fixed-Rate CD
$0
1.31%
▼ 1.54% below Washington avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Washington Average2.85%▼ 1.54% below avgNationally 2.92%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.31% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.10% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 2.10% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
60 Month Standard CD
$1,000
0.75%
▼ 2.10% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 2.10% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
5-Year Jumbo CD
$100,000
0.50%
▼ 2.35% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 2.35% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
5-Year Term CD
$1,000
0.50%
▼ 2.35% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 2.35% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 5-Year
$1,000
0.50%
▼ 2.35% below Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Washington Average2.85%▼ 2.35% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
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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.
Tacoma, WA CD Rate Trends
Compare local Tacoma, 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
3.346%
▲ 0.020 vs 7 days ago
Washington 12-month CD rates rose 0.020 points over the past 7 days to 3.346% APY.
6-Month CD WA Avg
3.138%
▼ 0.006 vs 7 days ago
Washington 6-month CD rates fell 0.006 points over the past 7 days to 3.138% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.346%
6-Month Forecast
3.346%
Range: 3.15%, 3.50%
12-Month Forecast
3.596%
Range: 3.40%, 3.75%
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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 | 2.442% | $122.09 | $244.17 | $610.43 | $1,220.85 |
| 6-Month CD | 3.138% | $156.90 | $313.80 | $784.50 | $1,569.00 |
| 12-Month CD | 3.346% | $167.28 | $334.56 | $836.40 | $1,672.80 |
| 18-Month CD | 3.262% | $163.09 | $326.18 | $815.45 | $1,630.90 |
| 24-Month CD | 2.903% | $145.14 | $290.27 | $725.68 | $1,451.35 |
| 36-Month CD | 2.715% | $135.75 | $271.50 | $678.75 | $1,357.50 |
| 48-Month CD | 2.661% | $133.06 | $266.11 | $665.28 | $1,330.55 |
| 60-Month CD | 2.849% | $142.43 | $284.86 | $712.15 | $1,424.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Tacoma, 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 | 2.442% | $122.09 |
| 2 | 6-Month CD | $5,000 | 3.138% | $156.90 |
| 3 | 12-Month CD | $5,000 | 3.346% | $167.28 |
| 4 | 24-Month CD | $5,000 | 2.903% | $145.14 |
| 5 | 36-Month CD | $5,000 | 2.715% | $135.75 |
| Total ($25,000 invested) | $25,000 | 2.909% blended | $727.16/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.
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1,576
CD Rates
Tracked in Tacoma, Washington
Tracked in Tacoma, Washington
28 Banks
62 Credit Unions
About Our Tacoma, Washington CD Rate Database
MonitorBankRates tracks 1,576 CD rates from 28 banks and 62 credit unions with locations in Tacoma, 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: Gesa Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tacoma, Washington.
How to Find the Best CD Rates in Tacoma, Washington
What to compare when shopping for a CD in Tacoma, Washington
To find the best APYs in Tacoma, Washington, start with credit unions and online-only banks: Tacoma, Washington has 62 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 Tacoma, 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 Tacoma, Washington: 90 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tacoma, 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 Tacoma, Washington money market rates
Tacoma, Washington Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$49,930
National avg: $47,340
Poverty Rate
12.4%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$167/yr
At WA 12-mo avg 3.346% APY
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.346%, saving 10% of the local median salary ($4,993/year) and putting it in a CD would earn an additional $167 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, Washington as everywhere in the U.S.
Choosing a CD Term in Tacoma, 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 Tacoma, 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, Navy Federal Credit Union is offering its 5 Year 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tacoma, 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 Tacoma, Washington
Are CD rates in Tacoma, Washington FDIC insured?
Yes, most established banks in Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, Washington?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.60% APY (IRA CD - 18 Months)
- Seattle Metropolitan Credit Union: 4.46% APY (2 Year IRA Jumbo Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Timberland Bank: 4.20% APY (18 Month CD Special)
- Spark Federal Credit Union: 4.06% APY (12 Month Share Certificate)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate - Wave Club)
- CIT Bank: 4.00% APY (1-Year Term CD)
- TAPCO Credit Union: 3.82% APY (Business 12-Month CD)
- Americas Federal Credit Union ACU: 3.75% APY (IRA Certificate, 18 month)
- Sound Credit Union: 3.75% APY (12 Month Business Jumbo Certificate)
Rates reflect recent verified offers available in Tacoma, Washington. Last Updated: October 23, 2026
Tacoma, 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 Tacoma, 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 Tacoma, Washington
Tacoma, Washington CD Calculator
At today’s WA top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Tacoma, Washington CD LadderWA CD rates currently range from 2.442% (3-month) to 2.715% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tacoma, Washington CD at 4.60% 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 3.346% 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 23, 2026
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