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CD Rate Trends

Wilkeson, Washington Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Wilkeson, Washington CD rates from banks and credit unions serving Washington range from 0.45% to 5.12% APY, verified by MonitorBankRates as of October 31, 2026. Current Wilkeson, Washington CD rates include Spokane Media Federal Credit UnionSpokane Media Federal Credit UnionB+4.8 ★Texas Ratio: 17.28%Real return: +1.42%APY minus CPIRate verified Oct 29, 2026 offering Balance Certificate Builder - 1 Year at 5.12% APY, Northwest Plus Credit UnionNorthwest Plus Credit UnionA+5.0 ★Texas Ratio: 3.16%Real return: +1.13%APY minus CPIRate verified Oct 30, 2026 offering 12 Month Certificate of Deposit at 4.83% APY, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionB4.6 ★Texas Ratio: 20.11%Real return: +1.05%APY minus CPIRate verified Oct 29, 2026 offering Share Certificate - 24 Month at 4.75% APY, HSBC Bank USAHSBC Bank USAA+5.0 ★Texas Ratio: 4.86%Real return: +0.90%APY minus CPIRate verified Oct 31, 2026 offering New Money CD - 24 Month at 4.60% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +0.88%APY minus CPIRate verified Oct 31, 2026 offering 3 Month Certificate of Deposit at 4.58% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Wilkeson is a smaller community with no bank or credit union branches currently in our database. 792 institutions serving the Washington area are available to Wilkeson residents, with CD rates as high as 5.12% APY from Spokane Media Federal Credit Union. 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 31, 2026

Compare Best CD Rates in Wilkeson, Washington & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Wilkeson 3 Month CD Rates

Washington 3 Month CD Average2.39% APYNational 2.13%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58% ▲ 2.19% above Washington avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 2.19% 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
No change since Oct 21, 2026 · 4.58% APY · checked 2 times
4.08%4.58%5.08%Oct 21, 2026: 4.58% APYOct 21, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10% ▲ 1.71% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.39%▲ 1.71% above avgNationally 2.13%
Details

Rate History
No change since Oct 28, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 28, 2026: 4.10% APYOct 28, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.61% above avgNationally 2.13%
Details

No minimum deposit; Open Account online

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
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% ▲ 1.61% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.61% above avgNationally 2.13%
Details

Limited Time promotional yield on new certificates; IRA certificates do not qualify; no additional deposits

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.61% above avgNationally 2.13%
Details

Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 3-Month Certificate at available rates at maturity

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 31, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
90 Day Fixed Rate Certificate of Deposit
$100
4.00% ▲ 1.61% above Washington avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.61% above avgNationally 2.13%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90% ▲ 1.51% above Washington avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.39%▲ 1.51% above avgNationally 2.13%
Details

Dividend rate from Compare Savings Accounts table; term from 3 months to 5 years

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 31, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85% ▲ 1.46% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average2.39%▲ 1.46% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82% ▲ 1.43% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.39%▲ 1.43% 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%
3.07%3.70%4.32%Sep 12, 2026: 3.57% APYSep 18, 2026: 3.82% APYSep 12, 2026Oct 31, 2026
  • 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% ▲ 1.43% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.39%▲ 1.43% 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 6 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 31, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 month Fixed
$0
3.60% ▲ 1.21% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.39%▲ 1.21% above avgNationally 2.13%
Details

Balance: $1,000+

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 31, 2026
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month CD
$100
3.51% ▲ 1.12% above Washington avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.12% 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 5 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 31, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term
$1,000
3.51% ▲ 1.12% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 1.12% above avgNationally 2.13%
Details

Compounds & Credits: Monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50% ▲ 1.11% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.11% above avgNationally 2.13%
Details

Minimum Balance $500

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.11% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.11% above avgNationally 2.13%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50% ▲ 1.11% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.11% 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 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.39%▲ 1.11% above avgNationally 2.13%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 31, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
3.45% ▲ 1.06% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 1.06% 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 4 times
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificates of Deposit - 3 Months
$2,500
3.40% ▲ 1.01% above Washington avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 1.01% 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 4 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40% ▲ 1.01% above Washington avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 1.01% above avgNationally 2.13%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 3 months
$0
3.30% ▲ 0.91% above Washington avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.91% above avgNationally 2.13%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 31, 2026: 3.30% APYOct 31, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.30% ▲ 0.91% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.91% above avgNationally 2.13%
Details

Balance: min. balance $100,000

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 31, 2026
First Technology Federal Credit Union
3-Month Share Certificate
$0
3.25% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.86% above avgNationally 2.13%
Details

Featured on homepage rates banner; minimum balance per Rate Sheet (not included in source)

Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 31, 2026
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25% ▲ 0.86% above Washington avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.86% above avgNationally 2.13%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25% ▲ 0.86% above Washington avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.86% above avgNationally 2.13%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 31, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15% ▲ 0.76% above Washington avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.76% 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%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.15% APYSep 15, 2026Oct 31, 2026
  • 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% ▲ 0.76% above Washington avg
View
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.76% above avgNationally 2.13%
Details

$100,000 min. deposit (Jumbo)

Rate History
No change since Oct 20, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 20, 2026: 3.15% APYOct 20, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.15% ▲ 0.76% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.76% above avgNationally 2.13%
Details

Balance: min. balance $50,000

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 31, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$50,000
3.10% ▲ 0.71% above Washington avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.71% 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%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.10% APYSep 15, 2026Oct 31, 2026
  • 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% ▲ 0.66% above Washington avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.66% 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%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 31, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Business 3-Month CD
$500
3.04% ▲ 0.65% above Washington avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.65% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 10 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 31, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.03% ▲ 0.64% above Washington avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.64% above avgNationally 2.13%
Details

Dividends compounded quarterly; Minimum Balance: $1,000.00

Rate History
1 change since Oct 14, 2026 · 3.55% → 3.03% ▼ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Oct 14, 2026: 3.55% APYOct 26, 2026: 3.03% APYOct 14, 2026Oct 31, 2026
  • Oct 26, 20263.03%▼ from 3.55%
  • Oct 14, 20263.55%first recorded
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
90 Day Certificate of Deposit
$1,000
3.02% ▲ 0.63% above Washington avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.63% 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 · checked 4 times
2.52%3.02%3.52%Oct 22, 2026: 3.02% APYOct 22, 2026Oct 31, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01% ▲ 0.62% above Washington avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.62% 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%
2.46%2.98%3.51%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 3.01% APYSep 15, 2026Oct 31, 2026
  • 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% ▲ 0.61% above Washington avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.61% 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%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 31, 2026
  • 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% ▲ 0.61% above Washington avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.61% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
IRA Certificates - 3-Month
$500
3.00% ▲ 0.61% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.61% above avgNationally 2.13%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$500
3.00% ▲ 0.61% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.61% above avgNationally 2.13%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.00% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.61% above avgNationally 2.13%
Details

Balance: min. balance $500

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 31, 2026
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
90 Day Certificate
$500
3.00% ▲ 0.61% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.61% 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 10 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.75% ▲ 0.36% above Washington avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.36% above avgNationally 2.13%
Details

Jumbo Certificates of Deposit, $100,000 minimum; With Checking rate

Rate History
1 change since Oct 20, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
1.75%2.50%3.25%Oct 20, 2026: 2.25% APYOct 31, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
  • Oct 31, 20262.75%▲ from 2.25%
  • Oct 20, 20262.25%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Business Certificate - 3 Month
$0
2.50% ▲ 0.11% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.39%▲ 0.11% above avgNationally 2.13%
Details

Rate History
No change since Oct 26, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 26, 2026: 2.50% APYOct 26, 2026Oct 31, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Certificate Accounts - 3 Month
$0
2.50% ▲ 0.11% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.39%▲ 0.11% above avgNationally 2.13%
Details

Dividend Rate 2.47%; APY 2.50%

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 31, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 Month Certificate
$500
2.50% ▲ 0.11% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▲ 0.11% above avgNationally 2.13%
Details

Share, Traditional & ROTH IRA Certificates; $500 minimum opening balance

Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 19, 2026: 2.50% APYOct 19, 2026Oct 31, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Fixed Rate Certificates
$0
2.43% ▲ 0.04% above Washington avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.04% above 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 · checked 3 times
1.93%2.43%2.93%Oct 22, 2026: 2.43% APYOct 22, 2026Oct 31, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Jumbo Fixed-Rate CD
$0
2.43% ▲ 0.04% above Washington avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.39%▲ 0.04% above 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 · checked 3 times
1.93%2.43%2.93%Oct 22, 2026: 2.43% APYOct 22, 2026Oct 31, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.35% ▼ 0.04% below Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▼ 0.04% below avgNationally 2.13%
Details

Balance: $75,000+

Rate History
No change since Oct 14, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Oct 14, 2026: 2.35% APYOct 14, 2026Oct 31, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day
$0
2.35% ▼ 0.04% below Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▼ 0.04% below avgNationally 2.13%
Details

Balance: $75,000+

Rate History
No change since Oct 14, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Oct 14, 2026: 2.35% APYOct 14, 2026Oct 31, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.30% ▼ 0.09% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▼ 0.09% below avgNationally 2.13%
Details

Balance: $25,000-$74,999

Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Oct 14, 2026: 2.30% APYOct 14, 2026Oct 31, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day
$0
2.30% ▼ 0.09% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.39%▼ 0.09% below avgNationally 2.13%
Details

Balance: $25,000-$74,999

Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Oct 14, 2026: 2.30% APYOct 14, 2026Oct 31, 2026

Wilkeson 6 Month CD Rates

Washington 6 Month CD Average3.17% APYNational 2.79%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30% ▲ 1.13% above Washington avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 1.13% above avgNationally 2.79%
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
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 31, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
6 Month Fixed Rate Certificate of Deposit
$100
4.25% ▲ 1.08% above Washington avg
View
▼
Rate4.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 1.08% above avgNationally 2.79%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.16%, APY 4.25%

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25% ▲ 1.08% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 1.08% above avgNationally 2.79%
Details

Rate History
No change since Oct 28, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 28, 2026: 4.25% APYOct 28, 2026Oct 31, 2026
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15% ▲ 0.98% above Washington avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.98% above avgNationally 2.79%
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 3 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.79%
Details

Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08% ▲ 0.91% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.91% above avgNationally 2.79%
Details

Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 12, 2026: 3.82% APYSep 18, 2026: 4.08% APYSep 12, 2026Oct 31, 2026
  • Sep 18, 20264.08%▲ from 3.82%
  • Sep 12, 20263.82%first recorded
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$1,000
4.06% ▲ 0.89% above Washington avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.89% above avgNationally 2.79%
Details

Effective Date: August 20, 2026

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month Certificate of Deposit
$500
4.06% ▲ 0.89% above Washington avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.89% above avgNationally 2.79%
Details

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.06% APYSep 30, 2026Oct 31, 2026
  • Oct 1, 20264.06%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month IRA Jumbo Certificate
$50,000
4.05% ▲ 0.88% above Washington avg
View
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.88% above avgNationally 2.79%
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%
3.15%3.85%4.55%Sep 22, 2026: 3.65% APYOct 19, 2026: 4.05% APYSep 22, 2026Oct 31, 2026
  • Oct 19, 20264.05%▲ from 3.65%
  • Sep 22, 20263.65%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 6 Month
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 6-Month Certificate at available rates at maturity

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 31, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 6 Month CD
$500
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 6 Month Youth
$0
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Youth Certificate Special; Members under age 18 only

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Roth IRA / IRA Certificate
$250
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit
$50,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate Type: Fixed; Bump Option: Not Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 22, 2026: 3.60% APYOct 14, 2026: 4.00% APYSep 22, 2026Oct 31, 2026
  • Oct 14, 20264.00%▲ from 3.60%
  • Sep 22, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 6 month
$50,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Bump Option: Not Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 6 Month
$0
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 31, 2026
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 6 Months
$500
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.79%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 28, 2026: 3.95% APYOct 28, 2026Oct 31, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.79%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month IRA Certificate
$1,000
3.90% ▲ 0.73% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.73% above avgNationally 2.79%
Details

Bump Option: Not Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Certificate of Deposit
$1,000
3.80% ▲ 0.63% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.79%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 22, 2026: 3.40% APYOct 10, 2026: 3.80% APYSep 22, 2026Oct 31, 2026
  • 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%
6 Month Certificate
$1,000
3.80% ▲ 0.63% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.79%
Details

Bump Option: Not Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 31, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Featured certificate; earn up to 3.75% APY; APY effective 10/13/2026; minimum opening deposit required $500, maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 11 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 180-Day - Relationship
$500
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Term Certificates - 6 Months
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $5,000

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 6 Months
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $100,000 and over

Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 26, 2026: 3.75% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 31, 2026
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 month IRA Certificate
$500
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 90 days' dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 19, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6-month Certificate - Wave Club
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Standard Certificates; $500 Minimum; Wave Club: requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 31, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificates and IRA Certificates
$0
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 6 months
$0
3.70% ▲ 0.53% above Washington avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 31, 2026: 3.70% APYOct 31, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 6 Months
$0
3.70% ▲ 0.53% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 26, 2026: 3.70% APYOct 26, 2026Oct 31, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate Account
$500
3.70% ▲ 0.53% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Fixed APY for certificate term; APY assumes dividends remain deposited until maturity

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 19, 2026: 3.70% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Super Share Certificate
$50,000
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.79%
Details

Effective as of October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 6 Months
$0
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.79%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 26, 2026: 3.65% APYOct 26, 2026Oct 31, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Business Jumbo Certificate - 6 Month
$0
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.79%
Details

Unlimited deposits; Early withdrawal penalties apply

Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 26, 2026: 3.65% APYOct 26, 2026Oct 31, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
Jumbo Certificates 6 Month
$0
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
6-Month Certificate
$1,000
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.79%
Details

Balance: $1,000; Dividend Rate 3.585%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
2.45%3.35%4.25%Sep 18, 2026: 3.05% APYOct 14, 2026: 3.65% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20263.65%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.47% above Washington avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.47% above avgNationally 2.79%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY · checked 3 times
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 31, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 6 Month BUMP
$500
3.61% ▲ 0.44% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.17%▲ 0.44% above avgNationally 2.79%
Details

Dividends paid monthly; BUMP certificate

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6 Month CD
$500
3.60% ▲ 0.43% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 22, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 22, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 6 months
$0
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Oct 2, 2026: 3.60% APYOct 2, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Jumbo Certificates of Deposit
$0
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Balance: $100,000 and over; Early withdrawal penalty: 90 days' interest

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 month Fixed
$0
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Balance: $1,000+

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 31, 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Jumbo Certificate - 6-month
$60,000
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.60%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 Month Share Certificates
$1,000
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026

Wilkeson 12 Month CD Rates

Washington 12 Month CD Average3.38% APYNational 3.01%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
Balance Certificate Builder - 1 Year
$1
5.12% ▲ 1.74% above Washington avg
View
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 1.74% above avgNationally 3.01%
Details

Balance: $1.00 to $5,000.00; Certificate Builder: open with as little as $1.00, build by monthly contributions up to a $5,000 maximum by maturity; Limit one active Certificate Builder per member; Not available for online purchase

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 7 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 31, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
12 Month Certificate of Deposit
$500
4.83% ▲ 1.45% above Washington avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 1.45% above avgNationally 3.01%
Details

All certificates of deposit require a $500 minimum deposit.

Rate History
3 changes since Oct 1, 2026 · 1.00% → 4.83% ▲ 3.83 pts · high 4.83% / low 1.00%
0.00%4.33%8.66%Oct 1, 2026: 1.00% APYOct 14, 2026: 3.03% APYOct 19, 2026: 1.00% APYOct 30, 2026: 4.83% APYOct 1, 2026Oct 31, 2026
  • Oct 30, 20264.83%▲ from 1.00%
  • Oct 19, 20261.00%▼ from 3.03%
  • Oct 14, 20263.03%▲ from 1.00%
  • Oct 1, 20261.00%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Share Certificates
$0
4.55% ▲ 1.17% above Washington avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 1.17% above avgNationally 3.01%
Details

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 7 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 31, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
12 Month Fixed Rate Certificate of Deposit
$100
4.50% ▲ 1.12% above Washington avg
View
▼
Rate4.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 1.12% above avgNationally 3.01%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.40%, APY 4.50%

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificate - CD SPECIAL
$500
4.50% ▲ 1.12% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 1.12% above avgNationally 3.01%
Details

CD SPECIAL

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month Share Certificates - CD SPECIAL
$1,000
4.50% ▲ 1.12% above Washington avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 1.12% above avgNationally 3.01%
Details

CD SPECIAL

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificate - CD SPECIAL 12 months
$500
4.50% ▲ 1.12% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 1.12% above avgNationally 3.01%
Details

CD Special

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Youth Certificates - 12 Month
$0
4.50% ▲ 1.12% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 1.12% above avgNationally 3.01%
Details

Balance: $100.00-$2,000.00; Certificate must be opened on account in which the primary member is 18 years or younger; One deposit per month allowed, minimum $25.00; One youth Certificate per member

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 1.02% above avgNationally 3.01%
Details

Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$1,000
4.38% ▲ 1.00% above Washington avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 1.00% above avgNationally 3.01%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 4.38% APY · checked 5 times
3.88%4.38%4.88%Oct 9, 2026: 4.38% APYOct 9, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 1.00% above Washington avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 1.00% above avgNationally 3.01%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 4.38% APY · checked 3 times
3.88%4.38%4.88%Oct 19, 2026: 4.38% APYOct 19, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.97% above Washington avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.97% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.97% above avgNationally 3.01%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 31, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.33% ▲ 0.95% above Washington avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.95% above avgNationally 3.01%
Details

Balance: $100,000+

Rate History
1 change since Sep 12, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 12, 2026: 4.07% APYSep 18, 2026: 4.33% APYSep 12, 2026Oct 31, 2026
  • Sep 18, 20264.33%▲ from 4.07%
  • Sep 12, 20264.07%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 12 Month
$1,000
4.30% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.92% above avgNationally 3.01%
Details

Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 9 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.92% above avgNationally 3.01%
Details

Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year IRA Jumbo Certificate
$50,000
4.26% ▲ 0.88% above Washington avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.88% above avgNationally 3.01%
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%
3.30%4.03%4.76%Sep 22, 2026: 3.80% APYOct 19, 2026: 4.26% APYSep 22, 2026Oct 31, 2026
  • Oct 19, 20264.26%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.24% ▲ 0.86% above Washington avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.86% above avgNationally 3.01%
Details

Balance: $500 to $99,999

Rate History
No change since Oct 4, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Oct 4, 2026: 4.24% APYOct 4, 2026Oct 31, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 1 year
$2,000
4.20% ▲ 0.82% above Washington avg
View
▼
Rate4.11%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.38%▲ 0.82% above avgNationally 3.01%
Details

Minimum balance to open $2,000

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 31, 2026
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
1-Year CD / IRA CD
$0
4.17% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.38%▲ 0.79% above avgNationally 3.01%
Details

Relationship rate; Terms and conditions apply. Compare all CD rates and terms at fsbwa.com/rates

Rate History
1 change since Oct 8, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Oct 8, 2026: 3.85% APYOct 14, 2026: 4.17% APYOct 8, 2026Oct 31, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Oct 8, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year CD
$500
4.17% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.79% above avgNationally 3.01%
Details

Featured certificate; earn up to 4.17% APY; APY effective 10/13/2026; minimum opening deposit required $500, maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Sep 14, 2026: 3.85% APYOct 14, 2026: 4.17% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 1-Year - Relationship
$500
4.17% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.79% above avgNationally 3.01%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 23, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificate of Deposit - 12 Month
$1,000
4.15% ▲ 0.77% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

APYs effective as of 10/7/26; Penalty assessed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 12 Month
$0
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificates of Deposit (CD) - 12 Month
$1,000
4.15% ▲ 0.77% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Available nationwide; Interest compounded daily, paid quarterly

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Individual Retirement Account - 12 Month
$0
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 12 Month CD
$500
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 12 Months
$500
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 28, 2026: 4.15% APYOct 28, 2026Oct 31, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year Business Jumbo Certificate of Deposit
$50,000
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Rate Type: Fixed; Bump Option: Not Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 22, 2026: 3.70% APYOct 14, 2026: 4.15% APYSep 22, 2026Oct 31, 2026
  • Oct 14, 20264.15%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 1 year
$50,000
4.15% ▲ 0.77% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.77% above avgNationally 3.01%
Details

Bump Option: Not Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1 Year IRA Certificate
$1,000
4.11% ▲ 0.73% above Washington avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.73% above avgNationally 3.01%
Details

Bump Option: Not Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 10, 2026: 4.11% APYOct 10, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 0.72% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.72% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Spark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$1,000
4.06% ▲ 0.68% above Washington avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 0.68% above avgNationally 3.01%
Details

Effective Date: August 20, 2026

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.67% above avgNationally 3.01%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 Month CD Special
$500
4.05% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.67% above avgNationally 3.01%
Details

Promotional APY effective as of October 20, 2026; $500 minimum to open account and earn APY; early withdrawal penalty may apply

Rate History
1 change since Sep 11, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 11, 2026: 3.80% APYOct 21, 2026: 4.05% APYSep 11, 2026Oct 31, 2026
  • Oct 21, 20264.05%▲ from 3.80%
  • Sep 11, 20263.80%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 12 Month
$0
4.05% ▲ 0.67% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 0.67% above avgNationally 3.01%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Community-Impact Certificate - 12 month
$0
4.05% ▲ 0.67% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.67% above avgNationally 3.01%
Details

Balance: $0-$999; Nonprofit 501(c)(3) organizations only; Promotional rate for new money to Verity; Early withdrawal penalty of 180 days interest

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Platinum TCD
$0
4.00% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

GBC 50th Anniversary Special!

Rate History
1 change since Sep 7, 2026 · 3.88% → 4.00% ▲ 0.12 pts · high 4.00% / low 3.88%
3.38%3.94%4.50%Sep 7, 2026: 3.88% APYSep 19, 2026: 4.00% APYSep 7, 2026Oct 31, 2026
  • Sep 19, 20264.00%▲ from 3.88%
  • Sep 7, 20263.88%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month Certificate of Deposit
$0
4.00% ▲ 0.62% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
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
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$0
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month Certificate
$1,000
4.00% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12-month Certificate - Wave Club
$0
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Standard Certificates; $500 Minimum; Wave Club: requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12-month IRA Wave Club Certificate
$500
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Wave Club rate; requires PSCCU primary checking with direct deposit, active Visa Credit Card, and IRA Savings Account

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 12 Month
$100
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Fixed Rate; Add-on deposits of $100 or more allowed through term (6 and 12 month certificates)

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed CD
$0
4.00% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Balance: min. balance $100,000

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month Term Certificate
$0
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Compounded/Paid Monthly

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00% ▲ 0.62% above Washington avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.38%▲ 0.62% above avgNationally 3.01%
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 · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026

Wilkeson 18 Month CD Rates

Washington 18 Month CD Average3.30% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35% ▲ 1.05% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Hope Preferred CD
$1,000
4.25% ▲ 0.95% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.95% above avgNationally 2.91%
Details

Featured rate from 'Earn More with the Hope Preferred CD' banner; APY accurate as of 10/16/2026; APYs vary by term and deposit amount; $1,000.00 minimum balance required to obtain stated APY; Online account opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 18 months
$0
4.25% ▲ 0.95% above Washington avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.95% above avgNationally 2.91%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18-month Certificate Special
$0
4.25% ▲ 0.95% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.95% above avgNationally 2.91%
Details

Special Certificates; $1,000 Minimum

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 14, 2026: 4.00% APYOct 26, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
  • Oct 26, 20264.25%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Month CD Special
$500
4.20% ▲ 0.90% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.91%
Details

Promotional APY effective as of October 20, 2026; $500 minimum to open account and earn APY; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 0.90% above Washington avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • 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% ▲ 0.90% above Washington avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.91%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 9 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.88% above avgNationally 2.91%
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%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 31, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 0.85% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15% ▲ 0.85% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.91%
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 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 0.80% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10% ▲ 0.80% above Washington avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 31, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 18 Month
$0
4.10% ▲ 0.80% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 18 Month
$100
4.10% ▲ 0.80% above Washington avg
View
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
4.10% ▲ 0.80% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Balance: min. balance $100,000

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 31, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificate Account
$500
4.10% ▲ 0.80% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.91%
Details

Fixed APY for certificate term; APY assumes dividends remain deposited until maturity

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 19, 2026: 4.10% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 18 Month
$0
4.05% ▲ 0.75% above Washington avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.75% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificates of Deposit (CD) - 18 Month
$1,000
4.05% ▲ 0.75% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.75% above avgNationally 2.91%
Details

Available nationwide; At maturity, auto-renews to a 12 month CD; Interest compounded daily, paid quarterly

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
18 Month Fixed Rate Certificate of Deposit
$100
4.00% ▲ 0.70% above Washington avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.91%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.70% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Certificate
$1,000
4.00% ▲ 0.70% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.91%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98% ▲ 0.68% above Washington avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.68% above avgNationally 2.91%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98% ▲ 0.68% above Washington avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.68% above avgNationally 2.91%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 31, 2026
Credit Human Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
18 Month Sustainable Share Certificate
$0
3.95% ▲ 0.65% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.65% above avgNationally 2.91%
Details

Balance: $500.00 and up; Dividend rate and APY; early withdrawal penalty applies

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.95% ▲ 0.65% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.65% above avgNationally 2.91%
Details

Balance: min. balance $50,000

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.55% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.55% above avgNationally 2.91%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80% ▲ 0.50% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.50% above avgNationally 2.91%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.80% ▲ 0.50% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.50% above avgNationally 2.91%
Details

Balance: min. balance $500

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75% ▲ 0.45% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit
$0
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Balance: $100,000 and over; Early withdrawal penalty: 180 days' interest

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

$500.00 minimum to open; $500.00 minimum balance required to obtain APY; Penalty may be applied for early withdrawal.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 31, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month IRA Certificate
$500
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Individual Retirement Accounts; $500.00 minimum to open; $500.00 minimum balance required to obtain APY; Penalty may be applied for early withdrawal.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 31, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month IRA Share Certificate
$1,000
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 28, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 28, 2026: 3.75% APYOct 28, 2026Oct 31, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month Promotional Share Certificate
$5,000
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 28, 2026: 3.75% APYOct 28, 2026Oct 31, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate, 18 month
$1,000
3.75% ▲ 0.45% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Traditional or Roth; rate guaranteed for the full term

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$100,000
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
18 Month Term Certificate
$0
3.75% ▲ 0.45% above Washington avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.91%
Details

Compounded/Paid Monthly

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.40% above Washington avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.40% above avgNationally 2.91%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificates of Deposit - 18 Months
$2,500
3.65% ▲ 0.35% above Washington avg
View
▼
Rate3.59%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.91%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty: 180 days' interest

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 31, 2026
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
18 Month Certificate
$500
3.65% ▲ 0.35% above Washington avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 25, 2026 · 2.90% → 3.65% ▲ 0.75 pts · high 3.65% / low 2.90%
2.15%3.28%4.40%Sep 25, 2026: 2.90% APYOct 15, 2026: 3.50% APYOct 28, 2026: 3.65% APYSep 25, 2026Oct 31, 2026
  • Oct 28, 20263.65%▲ from 3.50%
  • Oct 15, 20263.50%▲ from 2.90%
  • Sep 25, 20262.90%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Super Share Certificate
$50,000
3.65% ▲ 0.35% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.91%
Details

Effective as of October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 31, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 month Fixed
$0
3.60% ▲ 0.30% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.91%
Details

Balance: $1,000+

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month Share Certificates
$1,000
3.60% ▲ 0.30% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificate - 18 Months
$500
3.60% ▲ 0.30% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 26, 2026: 3.60% APYOct 26, 2026Oct 31, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Certificate 18 Month
$500
3.60% ▲ 0.30% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.91%
Details

$500 Minimum to Open

Rate History
1 change since Oct 19, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Oct 19, 2026: 3.35% APYOct 30, 2026: 3.60% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.60%▲ from 3.35%
  • Oct 19, 20263.35%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificates of Deposit - 18 Months
$0
3.55% ▲ 0.25% above Washington avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.91%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty: 180 days' interest for 12-23 month terms

Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 20, 2026: 3.55% APYOct 20, 2026Oct 31, 2026
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 18 Months
$500
3.55% ▲ 0.25% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.91%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 28, 2026: 3.55% APYOct 28, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Certificate
$500
3.55% ▲ 0.25% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.91%
Details

Minimum Monthly Balance: $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 31, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Share Certificate
$500
3.55% ▲ 0.25% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.91%
Details

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 31, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.25% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.91%
Details

Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 31, 2026

Wilkeson 24 Month CD Rates

Washington 24 Month CD Average2.94% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 24 Month
$0
4.75% ▲ 1.81% above Washington avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.81% above avgNationally 2.91%
Details

Rate History
No change since Oct 15, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 15, 2026: 4.75% APYOct 15, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.66% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 1.66% above avgNationally 2.91%
Details

Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 20, 2026: 4.60% APYOct 20, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year IRA Jumbo Certificate
$50,000
4.46% ▲ 1.52% above Washington avg
View
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.52% above avgNationally 2.91%
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%
3.14%4.13%5.12%Sep 22, 2026: 3.80% APYOct 19, 2026: 4.46% APYSep 22, 2026Oct 31, 2026
  • Oct 19, 20264.46%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 24 Month
$1,000
4.40% ▲ 1.46% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 1.46% above avgNationally 2.91%
Details

Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 9 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.46% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 1.46% above avgNationally 2.91%
Details

Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 26, 2026: 4.40% APYOct 26, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40% ▲ 1.46% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.94%▲ 1.46% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 28, 2026: 4.40% APYOct 28, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Jumbo Certificate of Deposit
$50,000
4.35% ▲ 1.41% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.41% above avgNationally 2.91%
Details

Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 22, 2026: 3.70% APYOct 14, 2026: 4.35% APYSep 22, 2026Oct 31, 2026
  • Oct 14, 20264.35%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 2 year
$50,000
4.35% ▲ 1.41% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.41% above avgNationally 2.91%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 10, 2026: 4.35% APYOct 10, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year IRA Certificate
$1,000
4.31% ▲ 1.37% above Washington avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.37% above avgNationally 2.91%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 31, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 2 year
$2,000
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.16%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Minimum balance to open $2,000

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate - Wave Club
$0
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Standard Certificates; $500 Minimum; Wave Club: requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 22, 2026: 4.00% APYOct 26, 2026: 4.25% APYSep 22, 2026Oct 31, 2026
  • Oct 26, 20264.25%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month IRA Wave Club Certificate
$500
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Wave Club rate; requires PSCCU primary checking with direct deposit, active Visa Credit Card, and IRA Savings Account

Rate History
1 change since Oct 10, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 10, 2026: 4.00% APYOct 26, 2026: 4.25% APYOct 10, 2026Oct 31, 2026
  • Oct 26, 20264.25%▲ from 4.00%
  • Oct 10, 20264.00%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Community-Impact Certificate - 24 month
$0
4.25% ▲ 1.31% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.31% above avgNationally 2.91%
Details

Balance: $0-$999; Nonprofit 501(c)(3) organizations only; Promotional rate for new money to Verity; Early withdrawal penalty of 180 days interest

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificate
$0
4.10% ▲ 1.16% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.16% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Certificate of Deposit
$1,000
4.10% ▲ 1.16% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.16% above avgNationally 2.91%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 22, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 31, 2026
  • 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%
2 Year Certificate
$1,000
4.10% ▲ 1.16% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.16% above avgNationally 2.91%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 31, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Certificate Account
$500
4.10% ▲ 1.16% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.16% above avgNationally 2.91%
Details

Fixed APY for certificate term; APY assumes dividends remain deposited until maturity

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 19, 2026: 4.10% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.14% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.14% above avgNationally 2.91%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 24 Months
$0
4.08% ▲ 1.14% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.14% above avgNationally 2.91%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 1.11% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.11% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificate
$10,000
4.00% ▲ 1.06% above Washington avg
View
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.06% above avgNationally 2.91%
Details

Balance: $10,000.00 - $9,999.99 (as printed)

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 2 Years
$0
4.00% ▲ 1.06% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.06% above avgNationally 2.91%
Details

Balance: $100,000 and over

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month Certificate
$1,000
4.00% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.06% above avgNationally 2.91%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month Certificate
$0
4.00% ▲ 1.06% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.06% above avgNationally 2.91%
Details

Standard Certificates; $500 Minimum

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 26, 2026: 4.00% APYSep 22, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24-month IRA Certificate
$500
4.00% ▲ 1.06% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 1.06% above avgNationally 2.91%
Details

Rate History
1 change since Oct 10, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 10, 2026: 3.75% APYOct 26, 2026: 4.00% APYOct 10, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.75%
  • Oct 10, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 2 Years
$0
3.95% ▲ 1.01% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 1.01% above avgNationally 2.91%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 2 Years
$0
3.90% ▲ 0.96% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 0.96% above avgNationally 2.91%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificate of Deposit - 24 Month
$1,000
3.85% ▲ 0.91% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.91% above avgNationally 2.91%
Details

APYs effective as of 10/7/26; Penalty assessed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 24 Month
$0
3.85% ▲ 0.91% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.91% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificates of Deposit (CD) - 24 Month
$1,000
3.85% ▲ 0.91% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.91% above avgNationally 2.91%
Details

Available nationwide; Interest compounded daily, paid quarterly

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Individual Retirement Account - 24 Month
$0
3.85% ▲ 0.91% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.91% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$50,000
3.85% ▲ 0.91% above Washington avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 0.91% above avgNationally 2.91%
Details

Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.85% ▲ 0.29 pts · high 3.85% / low 3.56%
3.06%3.71%4.35%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 31, 2026
  • Oct 9, 20263.85%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Jumbo Certificates of Deposit
$0
3.80% ▲ 0.86% above Washington avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.86% above avgNationally 2.91%
Details

Balance: $100,000 and over; Early withdrawal penalty: 365 days' interest

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 24 Month
$100
3.80% ▲ 0.86% above Washington avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.86% above avgNationally 2.91%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.80% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.86% above avgNationally 2.91%
Details

Balance: min. balance $100,000

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Jumbo Certificate
$100,000
3.75% ▲ 0.81% above Washington avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.94%▲ 0.81% above avgNationally 2.91%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$5,000
3.75% ▲ 0.81% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 0.81% above avgNationally 2.91%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.75% ▲ 0.19 pts · high 3.75% / low 3.56%
3.06%3.66%4.25%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.75% APYSep 21, 2026Oct 31, 2026
  • Oct 9, 20263.75%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
24-Month Certificate
$1,000
3.75% ▲ 0.81% above Washington avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.81% above avgNationally 2.91%
Details

Balance: $1,000; Dividend Rate 3.682%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.75% ▲ 0.85 pts · high 3.75% / low 2.90%
2.05%3.32%4.60%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20263.75%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70% ▲ 0.76% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.76% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificates of Deposit - 24 Months
$2,500
3.70% ▲ 0.76% above Washington avg
View
▼
Rate3.64%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.76% above avgNationally 2.91%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty: 365 days' interest

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
24 Month Certificate
$500
3.70% ▲ 0.76% above Washington avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.94%▲ 0.76% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 25, 2026 · 2.75% → 3.70% ▲ 0.95 pts · high 3.70% / low 2.75%
1.80%3.23%4.65%Sep 25, 2026: 2.75% APYOct 15, 2026: 3.65% APYOct 28, 2026: 3.70% APYSep 25, 2026Oct 31, 2026
  • Oct 28, 20263.70%▲ from 3.65%
  • Oct 15, 20263.65%▲ from 2.75%
  • Sep 25, 20262.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66% ▲ 0.72% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.94%▲ 0.72% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 31, 2026
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 24 Months
$500
3.65% ▲ 0.71% above Washington avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 28, 2026: 3.65% APYOct 28, 2026Oct 31, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Super Share Certificate
$50,000
3.65% ▲ 0.71% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

Effective as of October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Term Share (or IRA)
$500
3.65% ▲ 0.71% above Washington avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.65% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

Balance: min. balance $50,000

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 31, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Certificate 24 Month
$500
3.65% ▲ 0.71% above Washington avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

$500 Minimum to Open

Rate History
1 change since Oct 19, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Oct 19, 2026: 3.40% APYOct 30, 2026: 3.65% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.65%▲ from 3.40%
  • Oct 19, 20263.40%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate
$0
3.65% ▲ 0.71% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.94%▲ 0.71% above avgNationally 2.91%
Details

Prospective rates; Dividend Rate 3.59%

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 31, 2026

Wilkeson 36 Month CD Rates

Washington 36 Month CD Average2.73% APYNational 2.82%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25% ▲ 1.52% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average2.73%▲ 1.52% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Certificate Account
$500
4.20% ▲ 1.47% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 1.47% above avgNationally 2.82%
Details

Fixed APY for certificate term; APY assumes dividends remain deposited until maturity

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 19, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.45% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.45% above avgNationally 2.82%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18% ▲ 1.45% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.45% above avgNationally 2.82%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.42% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.42% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.37% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.37% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.37% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.37% above avgNationally 2.82%
Details

Balance: $100,000.00 and over (per page heading)

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 36 Month
$0
4.05% ▲ 1.32% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.32% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 1.32% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.32% above avgNationally 2.82%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
36-Month CD
$25,000
4.00% ▲ 1.27% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificate - 3 Year
$0
4.00% ▲ 1.27% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

Retirement Liquid Share Certificates tier ($10,000.00 - $9,999,99 as printed)

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 3 Years
$0
4.00% ▲ 1.27% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

Balance: $100,000 and over

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.27% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 31, 2026
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Share Certificates
$0
4.00% ▲ 1.27% above Washington avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month Certificate
$1,000
4.00% ▲ 1.27% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.27% above avgNationally 2.82%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
1 change since Oct 13, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 13, 2026: 3.50% APYOct 26, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.50%
  • Oct 13, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 3 Years
$0
3.95% ▲ 1.22% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.22% above avgNationally 2.82%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$50,000
3.90% ▲ 1.17% above Washington avg
View
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.17% above avgNationally 2.82%
Details

Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61%
3.11%3.76%4.40%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.90%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 3 Years
$0
3.90% ▲ 1.17% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.17% above avgNationally 2.82%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificate of Deposit - 36 Month
$1,000
3.85% ▲ 1.12% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

APYs effective as of 10/7/26; Penalty assessed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 36 Month
$0
3.85% ▲ 1.12% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificates of Deposit (CD) - 36 Month
$1,000
3.85% ▲ 1.12% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

Available nationwide; Interest compounded daily, paid quarterly

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Individual Retirement Account - 36 Month
$0
3.85% ▲ 1.12% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Jumbo Certificates of Deposit
$0
3.85% ▲ 1.12% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

Balance: $100,000 and over; Early withdrawal penalty: 365 days' interest

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 31, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
36-Month Certificate
$1,000
3.85% ▲ 1.12% above Washington avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 1.12% above avgNationally 2.82%
Details

Balance: $1,000; Dividend Rate 3.778%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
1.95%3.38%4.80%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.85% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20263.85%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 36 Months
$500
3.80% ▲ 1.07% above Washington avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.73%▲ 1.07% above avgNationally 2.82%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 28, 2026: 3.80% APYOct 28, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$5,000
3.80% ▲ 1.07% above Washington avg
View
▼
Rate3.74%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 1.07% above avgNationally 2.82%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.80% ▲ 0.19 pts · high 3.80% / low 3.61%
3.11%3.71%4.30%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.80%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificates of Deposit - 36 Months
$2,500
3.75% ▲ 1.02% above Washington avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 1.02% above avgNationally 2.82%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty: 365 days' interest

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$500
3.70% ▲ 0.97% above Washington avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 0.97% above avgNationally 2.82%
Details

Balance: $500 - $4,999; Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 31, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Certificate 36 Month
$500
3.70% ▲ 0.97% above Washington avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.97% above avgNationally 2.82%
Details

$500 Minimum to Open

Rate History
1 change since Oct 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Oct 19, 2026: 3.45% APYOct 30, 2026: 3.70% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.70%▲ from 3.45%
  • Oct 19, 20263.45%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Certificates of Deposit - 36 Months
$0
3.65% ▲ 0.92% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 0.92% above avgNationally 2.82%
Details

Balance: $2,500 - $99,999; Early withdrawal penalty: 365 days' interest for 24 months or longer

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 31, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificate
$0
3.65% ▲ 0.92% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.92% above avgNationally 2.82%
Details

Prospective rates; Dividend Rate 3.59%

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61% ▲ 0.88% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.88% above avgNationally 2.82%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 0.88% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.88% above avgNationally 2.82%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61%
3.10%3.87%4.63%Sep 22, 2026: 4.12% APYOct 19, 2026: 3.61% APYSep 22, 2026Oct 31, 2026
  • Oct 19, 20263.61%▼ from 4.12%
  • Sep 22, 20264.12%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
36 Month Share Certificates
$1,000
3.60% ▲ 0.87% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 0.87% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Clubhouse Certificate - 36 months
$250
3.60% ▲ 0.87% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 0.87% above avgNationally 2.82%
Details

Credit Union Clubhouse youth program for members ages birth to 18; Penalties for early withdrawal

Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 26, 2026: 3.60% APYOct 26, 2026Oct 31, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificate - 36 Months
$500
3.60% ▲ 0.87% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.73%▲ 0.87% above avgNationally 2.82%
Details

Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 26, 2026: 3.60% APYOct 26, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year IRA Jumbo Certificate
$50,000
3.60% ▲ 0.87% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.87% above avgNationally 2.82%
Details

Bump Option: Eligible; Early withdrawal penalty applies

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Jumbo Certificate
$100,000
3.56% ▲ 0.83% above Washington avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.73%▲ 0.83% above avgNationally 2.82%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.80% → 3.56% ▼ 0.24 pts · high 3.80% / low 3.56%
3.06%3.68%4.30%Oct 12, 2026: 3.80% APYOct 23, 2026: 3.68% APYOct 28, 2026: 3.56% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.56%▼ from 3.68%
  • Oct 23, 20263.68%▼ from 3.80%
  • Oct 12, 20263.80%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month Certificate of Deposit
$500
3.54% ▲ 0.81% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.81% above avgNationally 2.82%
Details

Certificates of Deposit

Rate History
No change since Sep 30, 2026 · 3.54% APY · checked 5 times
3.04%3.54%4.04%Sep 30, 2026: 3.54% APYSep 30, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year IRA Certificate
$1,000
3.51% ▲ 0.78% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.78% above avgNationally 2.82%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 31, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$100,000
3.50% ▲ 0.77% above Washington avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.77% above avgNationally 2.82%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36-month Pacific Northwest (PNW) Certificate
$0
3.50% ▲ 0.77% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.77% above avgNationally 2.82%
Details

Special Certificates; $1,000 Minimum

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.77% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.77% above avgNationally 2.82%
Details

Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 3 year
$50,000
3.50% ▲ 0.77% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.73%▲ 0.77% above avgNationally 2.82%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Jumbo Certificate 36 Month
$100,000
3.40% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 0.67% above avgNationally 2.82%
Details

Jumbo; DDEP bonus APY 3.65%

Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 31, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 3 year
$2,000
3.40% ▲ 0.67% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.73%▲ 0.67% above avgNationally 2.82%
Details

Minimum balance to open $2,000

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 36 month Fixed
$0
3.40% ▲ 0.67% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.73%▲ 0.67% above avgNationally 2.82%
Details

Balance: $1,000+

Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 22, 2026: 3.40% APYOct 22, 2026Oct 31, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Year Share Certificates
$0
3.40% ▲ 0.67% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.73%▲ 0.67% above avgNationally 2.82%
Details

Balance: $100,000+

Rate History
1 change since Sep 12, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 12, 2026: 3.14% APYSep 18, 2026: 3.40% APYSep 12, 2026Oct 31, 2026
  • Sep 18, 20263.40%▲ from 3.14%
  • Sep 12, 20263.14%first recorded
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 36 months
$0
3.35% ▲ 0.62% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.73%▲ 0.62% above avgNationally 2.82%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 31, 2026: 3.35% APYOct 31, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Certificate
$500
3.31% ▲ 0.58% above Washington avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.73%▲ 0.58% above avgNationally 2.82%
Details

Minimum Monthly Balance: $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.55% → 3.31% ▼ 0.24 pts · high 3.55% / low 3.31%
2.81%3.43%4.05%Oct 12, 2026: 3.55% APYOct 23, 2026: 3.43% APYOct 28, 2026: 3.31% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.31%▼ from 3.43%
  • Oct 23, 20263.43%▼ from 3.55%
  • Oct 12, 20263.55%first recorded

Wilkeson 48 Month CD Rates

Washington 48 Month CD Average2.69% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Certificate Account
$500
4.20% ▲ 1.51% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 1.51% 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%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 19, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.49% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 1.49% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18% ▲ 1.49% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 1.49% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 48 Month
$0
4.05% ▲ 1.36% above Washington avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48-Month CD
$25,000
4.00% ▲ 1.31% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.69%▲ 1.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$1,000
4.00% ▲ 1.31% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 1.31% above avgNationally 2.81%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
1 change since Oct 13, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 13, 2026: 3.50% APYOct 26, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.50%
  • Oct 13, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Business Certificate of Deposit - 48 Month
$1,000
3.85% ▲ 1.16% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 1.16% above avgNationally 2.81%
Details

APYs effective as of 10/7/26; Penalty assessed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 48 Month
$0
3.85% ▲ 1.16% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Individual Retirement Account - 48 Month
$0
3.85% ▲ 1.16% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 48 Months
$500
3.80% ▲ 1.11% above Washington avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.69%▲ 1.11% above avgNationally 2.81%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 28, 2026: 3.80% APYOct 28, 2026Oct 31, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Certificate 48 Month
$500
3.75% ▲ 1.06% above Washington avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 1.06% above avgNationally 2.81%
Details

$500 Minimum to Open

Rate History
1 change since Oct 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 19, 2026: 3.50% APYOct 30, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.75%▲ from 3.50%
  • Oct 19, 20263.50%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$0
3.70% ▲ 1.01% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 1.01% above avgNationally 2.81%
Details

Prospective rates; Dividend Rate 3.64%

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Jumbo Certificate 48 Month
$100,000
3.65% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.96% above avgNationally 2.81%
Details

Jumbo; DDEP bonus APY 3.90%

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.61% ▲ 0.92% above Washington avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.69%▲ 0.92% above avgNationally 2.81%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.85% → 3.61% ▼ 0.24 pts · high 3.85% / low 3.61%
3.11%3.73%4.35%Oct 12, 2026: 3.85% APYOct 23, 2026: 3.74% APYOct 28, 2026: 3.61% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.61%▼ from 3.74%
  • Oct 23, 20263.74%▼ from 3.85%
  • Oct 12, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year IRA Jumbo Certificate
$50,000
3.60% ▲ 0.91% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.91% above avgNationally 2.81%
Details

Bump Option: Eligible; Early withdrawal penalty applies

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year IRA Certificate
$1,000
3.51% ▲ 0.82% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.82% above avgNationally 2.81%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Share Certificate 48 Month
$1,000
3.50% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

DDEP bonus APY 3.75%

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 31, 2026
First Technology Federal Credit Union
IRA Certificates - 48-Month
$100,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$100,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 4 year
$50,000
3.50% ▲ 0.81% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.45% ▲ 0.76% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 10 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.76% above Washington avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 19, 2026: 3.45% APYOct 19, 2026Oct 31, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 4 year
$2,000
3.40% ▲ 0.71% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.69%▲ 0.71% above avgNationally 2.81%
Details

Minimum balance to open $2,000

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Certificate
$500
3.36% ▲ 0.67% above Washington avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.69%▲ 0.67% above avgNationally 2.81%
Details

Minimum Monthly Balance: $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.60% → 3.36% ▼ 0.24 pts · high 3.60% / low 3.36%
2.86%3.48%4.10%Oct 12, 2026: 3.60% APYOct 23, 2026: 3.49% APYOct 28, 2026: 3.36% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.36%▼ from 3.49%
  • Oct 23, 20263.49%▼ from 3.60%
  • Oct 12, 20263.60%first recorded
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate 48-Mo. Term
$1,000
3.35% ▲ 0.66% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Compounds Monthly; Rates Effective: 04/01/2025

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 31, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 48-Mo. Term
$1,000
3.35% ▲ 0.66% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Compounds & Credits: Monthly

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 48 months
$0
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 31, 2026: 3.30% APYOct 31, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.61% 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 22, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Certificate
$1,000
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 31, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month Certificate
$0
3.30% ▲ 0.61% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 31, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate of Deposit
$500
3.29% ▲ 0.60% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.60% above avgNationally 2.81%
Details

Certificates of Deposit

Rate History
No change since Sep 30, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 30, 2026: 3.29% APYSep 30, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Accurate as of 09/30/2026; Minimum Balance $500

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 31, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
48 Month Fixed Rate Certificate of Deposit
$100
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.20%, APY 3.25%

Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 31, 2026
First Technology Federal Credit Union
IRA Certificates - 48-Month
$500
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$500
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 31, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
48 Month Certificate
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 31, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6 - 48 Month Standard CDs
$1,000
3.25% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Rates as high as 3.25% APY; Redeem 2,500 Salal Rewards points at application or request for a 0.25% rate increase; One-time option to update to new rate if rates rise during 12- or 24-month term

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month Certificate - Wave Club
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Standard Certificates; $500 Minimum; Wave Club: requires PSCCU primary checking with direct deposit and active PSCCU Visa Credit Card

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 31, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-month IRA Wave Club Certificate
$500
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Wave Club rate; requires PSCCU primary checking with direct deposit, active Visa Credit Card, and IRA Savings Account

Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 48 Month
$100
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA 48 Month Certificate
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 31, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 48 Month
$0
3.25% ▲ 0.56% above Washington avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Dividend rate; fixed rate

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.25% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.56% above avgNationally 2.81%
Details

Balance: min. balance $100,000

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 31, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 48 month Fixed
$0
3.20% ▲ 0.51% above Washington avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.69%▲ 0.51% above avgNationally 2.81%
Details

Balance: $1,000+

Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 22, 2026: 3.20% APYOct 22, 2026Oct 31, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
48 Month Certificate
$500
3.20% ▲ 0.51% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.51% above avgNationally 2.81%
Details

Share, Traditional & ROTH IRA Certificates; $500 minimum opening balance

Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 31, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
48 Month IRA Certificate
$500
3.05% ▲ 0.36% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 26, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 26, 2026: 3.05% APYOct 26, 2026Oct 31, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.05% ▲ 0.36% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.69%▲ 0.36% above avgNationally 2.81%
Details

Balance: min. balance $50,000

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 31, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month IRA Share Certificate
$2,000
3.03% ▲ 0.34% above Washington avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.69%▲ 0.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.04% → 3.03% ▼ 0.01 pts · high 3.04% / low 3.03%
2.53%3.04%3.54%Sep 12, 2026: 3.04% APYOct 4, 2026: 3.03% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20263.03%▼ from 3.04%
  • Sep 12, 20263.04%first recorded

Wilkeson 60 Month CD Rates

Washington 60 Month CD Average2.87% APYNational 2.92%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 1.43% above Washington avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.43% above avgNationally 2.92%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25% ▲ 1.38% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Certificate Account
$500
4.20% ▲ 1.33% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 1.33% above avgNationally 2.92%
Details

Fixed APY for certificate term; APY assumes dividends remain deposited until maturity

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 19, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.31% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.31% above avgNationally 2.92%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 60 Months
$0
4.18% ▲ 1.31% above Washington avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.31% above avgNationally 2.92%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 60 Month
$0
4.10% ▲ 1.23% above Washington avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificate
$0
4.10% ▲ 1.23% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.92%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificate - 5 Year
$0
4.05% ▲ 1.18% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.18% above avgNationally 2.92%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-Month Certificate
$1,000
4.05% ▲ 1.18% above Washington avg
View
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 1.18% above avgNationally 2.92%
Details

Balance: $1,000; Dividend Rate 3.970%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 18, 2026: 3.15% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20264.05%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60-Month CD
$25,000
4.00% ▲ 1.13% above Washington avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.92%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificate
$0
4.00% ▲ 1.13% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.92%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 5 Years
$0
4.00% ▲ 1.13% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.92%
Details

Balance: $100,000 and over

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 1.13% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 31, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month Certificate
$1,000
4.00% ▲ 1.13% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.92%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
1 change since Oct 13, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 13, 2026: 3.50% APYOct 26, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.50%
  • Oct 13, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 5 Years
$0
3.95% ▲ 1.08% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.08% above avgNationally 2.92%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Jumbo Share Certificates
$100,000
3.93% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 1.06% above avgNationally 2.92%
Details

Rate up to 3.93% APY; Monthly compounding dividends

Rate History
No change since Sep 25, 2026 · 3.93% APY · checked 4 times
3.43%3.93%4.43%Sep 25, 2026: 3.93% APYSep 25, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 1.03% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.92%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Jumbo Certificate 60 Month
$100,000
3.90% ▲ 1.03% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.92%
Details

Jumbo; DDEP bonus APY 4.15%

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 5 Years
$0
3.90% ▲ 1.03% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.92%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.98% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.92%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 60 Month
$0
3.85% ▲ 0.98% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Individual Retirement Account - 60 Month
$0
3.85% ▲ 0.98% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 0.98% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Share Certificate 60 Month
$1,000
3.75% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Washington Average2.87%▲ 0.88% above avgNationally 2.92%
Details

DDEP bonus APY 4.00%

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Share Certificate
$0
3.70% ▲ 0.83% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.83% above avgNationally 2.92%
Details

Prospective rates; Dividend Rate 3.64%

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month IRA Certificates
$500
3.68% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.81% above avgNationally 2.92%
Details

Rate up to 3.68% APY; Tax-deferred growth

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 4 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Share Certificates
$500
3.68% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.81% above avgNationally 2.92%
Details

Rate up to 3.68% APY; Monthly compounding dividends

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 4 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Jumbo Certificate
$100,000
3.62% ▲ 0.75% above Washington avg
View
▼
Rate3.56%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.75% above avgNationally 2.92%
Details

Jumbo; Minimum Monthly Balance: $100,000; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.87% → 3.62% ▼ 0.25 pts · high 3.87% / low 3.62%
3.12%3.75%4.37%Oct 12, 2026: 3.87% APYOct 23, 2026: 3.76% APYOct 28, 2026: 3.62% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.62%▼ from 3.76%
  • Oct 23, 20263.76%▼ from 3.87%
  • Oct 12, 20263.87%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year IRA Jumbo Certificate
$50,000
3.60% ▲ 0.73% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.73% above avgNationally 2.92%
Details

Bump Option: Eligible; Early withdrawal penalty applies

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55% ▲ 0.68% above Washington avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 31, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.68% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 31, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
IRA Certificate 60-Mo. Term
$1,000
3.51% ▲ 0.64% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.64% above avgNationally 2.92%
Details

Compounds Monthly; Rates Effective: 04/01/2025

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 31, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 60-Mo. Term
$1,000
3.51% ▲ 0.64% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.64% above avgNationally 2.92%
Details

Compounds & Credits: Monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year IRA Certificate
$1,000
3.51% ▲ 0.64% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.64% above avgNationally 2.92%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 31, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Certificate of Deposit
$500
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

$500.00 minimum to open; $500.00 minimum balance required to obtain APY; Penalty may be applied for early withdrawal.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 31, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month IRA Certificate
$500
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Individual Retirement Accounts; $500.00 minimum to open; $500.00 minimum balance required to obtain APY; Penalty may be applied for early withdrawal.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 31, 2026
First Technology Federal Credit Union
IRA Certificates - 60-Month
$100,000
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$100,000
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Business Jumbo Certificate of Deposit
$50,000
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 5 year
$50,000
3.50% ▲ 0.63% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 31, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates Of Deposit - 5 year
$2,000
3.40% ▲ 0.53% above Washington avg
View
▼
Rate3.34%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Washington Average2.87%▲ 0.53% above avgNationally 2.92%
Details

Minimum balance to open $2,000

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Certificate
$500
3.37% ▲ 0.50% above Washington avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.50% above avgNationally 2.92%
Details

Minimum Monthly Balance: $500; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
2 changes since Oct 12, 2026 · 3.62% → 3.37% ▼ 0.25 pts · high 3.62% / low 3.37%
2.87%3.50%4.12%Oct 12, 2026: 3.62% APYOct 23, 2026: 3.51% APYOct 28, 2026: 3.37% APYOct 12, 2026Oct 31, 2026
  • Oct 28, 20263.37%▼ from 3.51%
  • Oct 23, 20263.51%▼ from 3.62%
  • Oct 12, 20263.62%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate
$0
3.35% ▲ 0.48% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.48% above avgNationally 2.92%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 31, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.30% ▲ 0.43% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.43% above avgNationally 2.92%
Details

Balance column: $250,000

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 31, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
60 Month Certificate
$0
3.30% ▲ 0.43% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Washington Average2.87%▲ 0.43% above avgNationally 2.92%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 10 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.43% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.43% 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 22, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 31, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5 Year Certificate
$1,000
3.30% ▲ 0.43% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.43% above avgNationally 2.92%
Details

Bump Option: Eligible; Effective as of October 29th, 2026

Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 31, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
60 Month Certificate
$500
3.30% ▲ 0.43% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Washington Average2.87%▲ 0.43% above avgNationally 2.92%
Details

Share, Traditional & ROTH IRA Certificates; $500 minimum opening balance

Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 31, 2026
Twin River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Business Time Deposit - 60 Months
$500
3.29% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.42% above avgNationally 2.92%
Details

Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies

Rate History
No change since Oct 28, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 28, 2026: 3.29% APYOct 28, 2026Oct 31, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Share Certificate
$500
3.29% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.42% above avgNationally 2.92%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 31, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
IRA Share Certificate - 5 years
$500
3.29% ▲ 0.42% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Washington Average2.87%▲ 0.42% above avgNationally 2.92%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 23, 2026: 3.29% APYOct 23, 2026Oct 31, 2026
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.

Top CD Rates from Wilkeson, Washington Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
HSBC Bank USA
New Money CD - 24 Month
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.60%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $0
4.58%
Northwest Bank
12 Month Fixed Rate Certificate of Deposit
A 5.0 ★ TX: 12.37%
Min: $100
4.50%
Beal Bank USA
24-Month CD
A+ 5.0 ★ TX: 1.35%
Min: $25,000
4.40%
Bank of Hope
18 Month Hope Preferred CD
A+ 5.0 ★ TX: 4.07%
Min: $1,000
4.25%
CU Top 5 Credit Union Rates
Spokane Media Federal Credit Union
Balance Certificate Builder - 1 Year
B+ 4.8 ★ TX: 17.28%
Min: $1
5.12%
Northwest Plus Credit Union
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 3.16%
Min: $500
4.83%
Ironworkers USA Federal Credit Union
Share Certificate - 24 Month
B 4.6 ★ TX: 20.11%
Min: $0
4.75%
Topeka Firemens Credit Union
1 Year Share Certificates
A+ 5.0 ★ TX: 0.05%
Min: $0
4.55%
Governmental Employees Credit Union
12 Month IRA Certificate - CD SPECIAL
A 5.0 ★ TX: 6.09%
Min: $500
4.50%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Wilkeson, WA CD Rate Trends

Compare local Wilkeson, 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.

View Full Washington CD Trends
12-Month CD WA Avg
3.382%
▲ 0.036 vs 7 days ago

Washington 12-month CD rates rose 0.036 points over the past 7 days to 3.382% APY.

6-Month CD WA Avg
3.168%
▲ 0.030 vs 7 days ago

Washington 6-month CD rates rose 0.030 points over the past 7 days to 3.168% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.382%
6-Month Forecast
3.382%
Range: 3.18%, 3.53%
12-Month Forecast
3.632%
Range: 3.43%, 3.78%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Washington average 12-month CD APY in our database.

Spread model: The Washington 12-month CD average currently trades 0.99% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.389% $119.47 $238.94 $597.35 $1,194.70
6-Month CD 3.168% $158.38 $316.75 $791.88 $1,583.75
12-Month CD 3.382% $169.10 $338.19 $845.48 $1,690.95
18-Month CD 3.304% $165.22 $330.43 $826.08 $1,652.15
24-Month CD 2.938% $146.91 $293.82 $734.55 $1,469.10
36-Month CD 2.732% $136.59 $273.18 $682.95 $1,365.90
48-Month CD 2.693% $134.66 $269.32 $673.30 $1,346.60
60-Month CD 2.869% $143.47 $286.94 $717.35 $1,434.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Wilkeson, 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.

Build Your Ladder
Rung Term Deposit WA Avg APY Annual Earnings
1 3-Month CD $5,000 2.389% $119.47
2 6-Month CD $5,000 3.168% $158.38
3 12-Month CD $5,000 3.382% $169.10
4 24-Month CD $5,000 2.938% $146.91
5 36-Month CD $5,000 2.732% $136.59
Total ($25,000 invested) $25,000 2.922% blended $730.45/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.

Powered byMonitorBankRates
1,562
CD Rates
Tracked in Wilkeson, Washington
29 Banks 74 Credit Unions

About Our Wilkeson, Washington CD Rate Database

MonitorBankRates tracks 1,562 CD rates from 29 banks and 74 credit unions with locations in Wilkeson, 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: Spokane Media Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $1. Use the rate table above to compare all current offers in Wilkeson, Washington.

How to Find the Best CD Rates in Wilkeson, Washington

What to compare when shopping for a CD in Wilkeson, Washington

To find the best APYs in Wilkeson, Washington, start with credit unions and online-only banks: Wilkeson, Washington has 74 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 Wilkeson, 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 Wilkeson, Washington: 103 institutions here report CD rates

Consider an Alternative If…

Washington Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
16.6%
National avg: 17.3%
Median Individual Earnings
$54,551
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$184/yr
At WA 12-mo avg 3.382% APY

16.6% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.382%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $184 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 Wilkeson, Washington

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Wilkeson, 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 Wilkeson, Washington as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wilkeson, Washington savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month Certificate of Deposit at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Idaho Central Credit Union is offering its 60 Month Promo CD at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Wilkeson, Washington saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Wilkeson, Washington CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Wilkeson, 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 Wilkeson, Washington

What are CD rates in Wilkeson, Washington today?

Wilkeson, Washington CD rates from banks and credit unions serving Washington range from 0.45% to 5.12% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.12% APY at Spokane Media Federal Credit Union (Balance Certificate Builder - 1 Year), 4.83% at Northwest Plus Credit Union (12 Month Certificate of Deposit) and 4.75% at Ironworkers USA Federal Credit Union (Share Certificate - 24 Month), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Wilkeson, Washington FDIC insured?

Yes, most established banks in Wilkeson, 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 Wilkeson, 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 Wilkeson, 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 Wilkeson, 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 Wilkeson, Washington?

Here are recent top rates found for this area:
  • Spokane Media Federal Credit Union: 5.12% APY (Balance Certificate Builder - 1 Year)
  • Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
  • Ironworkers USA Federal Credit Union: 4.75% APY (Share Certificate - 24 Month)
  • HSBC Bank USA: 4.60% APY (New Money CD - 24 Month)
  • Austin Capital Bank: 4.58% APY (3 Month Certificate of Deposit)
  • Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
  • Northwest Bank: 4.50% APY (12 Month Fixed Rate Certificate of Deposit)
  • Governmental Employees Credit Union: 4.50% APY (12 Month IRA Certificate - CD SPECIAL)
  • Progressions Credit Union: 4.50% APY (Youth Certificates - 12 Month)
  • Seattle Metropolitan Credit Union: 4.46% APY (2 Year IRA Jumbo Certificate)
Rates reflect recent verified offers available in Wilkeson, Washington. Last Updated: October 31, 2026

Wilkeson, 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 Wilkeson, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top Wilkeson, Washington CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Wilkeson, Washington. Averages shown use the Washington state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Wilkeson, Washington

Wilkeson, Washington CD Calculator

At today’s WA top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

Wilkeson, Washington CD Ladder

WA CD rates currently range from 2.389% (3-month) to 2.732% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Wilkeson, Washington CD at 5.12% 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 Savings

Washington’s average 12-month CD is 3.382% 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 Wilkeson, 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 Wilkeson, 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 Wilkeson, 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 31, 2026

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