Vancouver, Washington CD rates range from 0.02% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Vancouver, Washington CD rates include IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA 98660 2918A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, HAPO Community Credit UnionHAPO Community Credit Union13909 SE Mill Plain Blvd, Vancouver, WA 98684A+5.0 ★Texas Ratio: 1.09%Real return: +1.30%APY minus CPI (February 2026) offering Certificate Account - 18 Month at 4.10% APY, CIT BankCIT Bank1498 Se Tech Center Pl, Vancouver, WA 98683A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering Term CD - 1-Year Term at 4.00% APY, Pacific West BankPacific West Bank655 W Columbia Way Ste 506, Vancouver, WA 98660B4.4 ★Texas Ratio: 21.85%Real return: +1.05%APY minus CPI (February 2026) offering 1-Year CD / IRA CD at 3.85% APY, and Columbia Community Credit UnionColumbia Community Credit Union703 Broadway St Ste 100, Vancouver, WA 98660A+5.0 ★Texas Ratio: 5.09%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Certificates (Personal & Business) at 3.75% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Vancouver has 249 local institutions in our database, with CD rates as high as 5.09% APY from IQ Credit Union at 1313 Main St, Vancouver, WA 98660 2918. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Balance tier: $100,000 minimum
Balance tier: $50,000 minimum
Standard Rate: 0.996%; Standard APY: 1.00%
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Member Perks Rate: 1.246%; Member Perks APY: 1.25%
Balance: $90,000 +
Balance: $90,000 +
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 0.06%
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Balance: $1,000 - $90,000
Balance: $1,000 +
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
No minimum deposit.
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Balance: $500+; Early withdrawal penalties may apply
Dividends paid monthly; early withdrawal penalty may apply
Balance: $1,000+
Dividends Compounded Quarterly
Compounds: Monthly
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Prospective; *Not available for IRA accounts
$2,500 - $99,999
Balance: $2,500 Minimum Opening Deposit
Balance tier: min. balance $100,000
Balance tier: min. balance $50,000
APY offered as of 1/1/2026
Balance tier: min. balance $500
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Term Certificates of Deposit (CD)
Fixed Rate; Add-on deposits in $100 increments allowed through the term
Fixed Rate
IRA fixed rate time deposit; rates effective 10/6/2026
IRA; Fixed Rate; Rates effective 10/6/2026
Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026
Balance: $0.01-$49,999.99
Youth Certificate of Deposit; Balance: $100
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $100,000 minimum
Balance tier: $50,000 minimum
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Balance: $250,000+
Standard Rate: 2.722%; Standard APY: 2.75%
Balance: $100,000 - $249,999
Member Perks Rate: 2.972%; Member Perks APY: 3.00%
Balance: $50,000 - $99,999
Balance: $500 - $24,999
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rates effective 1/1/2024
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 0.06%
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term
Balance: $100,000.00 and over
Balance: $500+; Early withdrawal penalties may apply
New Money CDs
Exclusively for Premier clients.
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Online CDs
Minimum balance to open and obtain APY is $1000.
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Fixed Rate; Add-on deposits in $100 increments allowed through the term
Fixed Rate
Term Certificates of Deposit (CD)
relationship rate
Balance tier: $100,000 minimum
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $50,000 minimum
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026
Balance: $0.01-$49,999.99
Youth Certificate of Deposit; Balance: $100
Standard Rate: 2.477%; Standard APY: 2.50%
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 1.51%
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rates effective 1/1/2024
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Minimum Opening Deposit: $100 - $24,999
Ramp Up CDs
Balance: $1.00 to $5,000.00; Build via monthly contributions up to $5,000 by maturity; Limit one active Certificate Builder per member; Not available for online purchase
Penalties for early withdrawal
CD SPECIAL
Balance: $100.00-$2,000.00; Certificate must be opened on an account where the primary member is 18 years or younger; one deposit per month, minimum $25.00; one youth certificate per member; rolls over to regular youth certificate at maturity; transfers to primary share account at maturity once primary member reaches age 19
Balance: $100,000.00 and over
Balance: $500.00 Minimum Opening Deposit
Balance: $1,000.00 Minimum Opening Deposit
New Money CDs
Exclusively for Premier clients.
Balance: $50,000.00 - $99,999.99
Fixed Rate
Fixed Rate
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Term Certificates of Deposit (CD)
Balance tier: $100,000 minimum
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Balance tier: $50,000 minimum
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Balance: $100,000 - $249,999; Term: 18 Months - 23 Months
Balance: $500 - $24,999; Term: 18 Months - 23 Months
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Balance: $100,000.00 and over
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Terms: See Terms
Terms and Conditions
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Special Rate!; Balance: $500 - $4,999; Dividends compounded monthly, credited monthly
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance tier: min. balance $100,000
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Special Certificates
Balance tier: min. balance $50,000
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Balance tier: min. balance $500
Fixed Rate
Fixed Rate
Balance: $0.01-$49,999.99
Standard Rate: 2.477%; Standard APY: 2.50%
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Balance tier: $100,000 minimum
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Balance tier: $50,000 minimum
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rates effective 1/1/2024
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Balance: $500 - $24,999; Term: 24 Months - 35 Months
Jumbo CDs
Term Certificates of Deposit (CD)
Ramp Up CDs
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
New Money CDs
Exclusively for Premier clients.
Online CDs
Minimum balance to open and obtain APY is $1000.
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Bump Option: Eligible; Effective as of October 13th, 2026
Balance: $100,000.00 and over
Terms: See Terms
Balance: $0-$999; Nonprofit organizations only; new money required for promotional rate; Effective dates: 10/12/26 - 10/18/26
Balance: $50,000.00 - $99,999.99
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Fixed Rate
Fixed Rate
IRA fixed rate time deposit; rates effective 10/6/2026
IRA; Fixed Rate; Rates effective 10/6/2026
Balance: $0.01-$49,999.99
Standard Rate: 2.477%; Standard APY: 2.50%
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Balance tier: $100,000 minimum
Balance tier: $50,000 minimum
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $10,000 minimum
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Balance tier: $500 minimum
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Balance: $500 - $24,999; Term: 36 Months - 47 Months
Jumbo CDs
Term Certificates of Deposit (CD)
Ramp Up CDs
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $100,000
Balance: $50,000
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
Balance: $1,000
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Balance: $0.01-$49,999.99
Fixed Rate
Fixed Rate
IRA fixed rate time deposit; rates effective 10/6/2026
IRA; Fixed Rate; Rates effective 10/6/2026
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Balance tier: $100,000 minimum
Balance tier: $50,000 minimum
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $10,000 minimum
Opening deposit $1,000; Rates effective 10-12-2026
Opening deposit $1,000
Balance tier: $500 minimum
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Jumbo CDs
Term Certificates of Deposit (CD)
Balance: $500 - $24,999; Term: 48 Months - 59 Months
Ramp Up CDs
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Balance: $100,000.00 and over
Prospective
Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Balance: $50,000.00 - $99,999.99
Bump Option: Eligible; Effective as of October 13th, 2026
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
$500 minimum to open
Balance: $0.01-$49,999.99
Fixed Rate
Fixed Rate
IRA fixed rate time deposit; rates effective 10/6/2026
IRA; Fixed Rate; Rates effective 10/6/2026
Balance: $1,000+; OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Standard Rate: 2.477%; Standard APY: 2.50%
Balance: $1,000+; Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000+; Rates effective 10-12-2026
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Balance tier: $100,000 minimum
Balance: $1,000+; Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Balance tier: $50,000 minimum
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Balance: $1,000+; Opening deposit $1,000+; Rates effective 10-12-2026
Opening deposit $1,000
Balance: $500-$19,999.99; $500 minimum opening deposit
Balance: $500-$19,999.99
Balance tier: $10,000 minimum
Balance tier: $500 minimum
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Jumbo CDs
Term Certificates of Deposit (CD)
Balance: $90,000 +
Balance: $90,000 +
Balance: $1,000 - $90,000
Balance: $1,000 +
Terms: See Terms
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Balance: $100,000
Balance: $50,000
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Compare local Vancouver, WA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Washington 12-month CD rates rose 0.034 points over the past 7 days to 3.298% APY.
Washington 6-month CD rates rose 0.004 points over the past 7 days to 3.122% APY.
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.
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.333% | $116.67 | $233.34 | $583.35 | $1,166.70 |
| 6-Month CD | 3.122% | $156.08 | $312.15 | $780.38 | $1,560.75 |
| 12-Month CD | 3.298% | $164.90 | $329.81 | $824.52 | $1,649.05 |
| 18-Month CD | 3.194% | $159.67 | $319.35 | $798.38 | $1,596.75 |
| 24-Month CD | 2.866% | $143.31 | $286.61 | $716.53 | $1,433.05 |
| 36-Month CD | 2.706% | $135.30 | $270.59 | $676.48 | $1,352.95 |
| 48-Month CD | 2.614% | $130.71 | $261.42 | $653.55 | $1,307.10 |
| 60-Month CD | 2.814% | $140.68 | $281.35 | $703.38 | $1,406.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.333% | $116.67 |
| 2 | 6-Month CD | $5,000 | 3.122% | $156.08 |
| 3 | 12-Month CD | $5,000 | 3.298% | $164.90 |
| 4 | 24-Month CD | $5,000 | 2.866% | $143.31 |
| 5 | 36-Month CD | $5,000 | 2.706% | $135.30 |
| Total ($25,000 invested) | $25,000 | 2.865% blended | $716.26/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 1,467 CD rates from 26 banks and 57 credit unions with locations in Vancouver, 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: IQ Credit Union offers a CD at 5.09% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Vancouver, Washington.
What to compare when shopping for a CD in Vancouver, Washington
To find the best APYs in Vancouver, Washington, start with credit unions and online-only banks: Vancouver, Washington has 57 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.298%, saving 10% of the local median salary ($4,572/year) and putting it in a CD would earn an additional $151 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Vancouver, 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 Vancouver, Washington as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Vancouver, Washington savers easier access to their funds. For example, CIT Bank is offering its Term CD - 6-Month Term at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rivermark Community Credit Union is offering its 60 Month Certificate at 3.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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 Vancouver, 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.
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 Vancouver, Washington CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Vancouver, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Vancouver, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
At today’s WA top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.
Vancouver, Washington CD LadderWA CD rates currently range from 2.333% (3-month) to 2.706% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Vancouver, Washington CD at 5.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 3.298% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vancouver, 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.
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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Vancouver, 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 Vancouver, 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.