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Best Banks & Checking Accounts in Lynnwood, Washington - March 2026

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Brian McKay Brian McKay
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| i Editorial 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 | Checking Account Rates — Last Updated and Verified: March 20, 2026

The best checking rates for Lynnwood, Washington include Harborstone Credit UnionHarborstone Credit Union19419 Highway 99, Lynnwood, WA 98036A5.0 ★Texas Ratio: 7.16% PNW Premier Checking at 7.00% APY, Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046A+5.0 ★Texas Ratio: 5.24% IOLTA Checking at 1.51% APY, Sound Credit UnionSound Credit Union5901 196TH St SW, Lynnwood, WA 98036 6052A5.0 ★Texas Ratio: 10.49% Analysis Checking at 0.75% APY, Verity Credit UnionVerity Credit Union18530 33rd Ave W, Lynnwood, WA 98037A5.0 ★Texas Ratio: 8.01% Cartwheel Checking at 0.50% APY, and Pacific Crest SBPacific Crest SB3500 188th St Sw, Lynnwood, WA 98037A+5.0 ★Texas Ratio: 4.95% Interest Plus Checking at 0.15% APY.

Looking for the best checking accounts in Lynnwood, Washington? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Lynnwood, Washington, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Lynnwood, Washington. Checking Account Rates Last Updated and Verified: March 20, 2026

Lynnwood, WA Checking Rate Trends

Compare local Lynnwood, WA checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Washington Checking Trends →
High-Yield Checking — WA Avg
0.751%
▲ 0.501 from last week

Washington high-yield checking rates rose 0.501 points this week to 0.751% APY, up from 0.250% last week.

Rewards Checking — WA Avg
3.065%
▲ 1.622 from last week

Washington rewards checking rates rose 1.622 points this week to 3.065% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Lynnwood, Washington & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Analysis Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Cartwheel Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
IOLTA Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
IOLTA Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
Wise55 Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
IOLTA Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
IOLTA Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
Ultimate Value Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Interest Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
Ultimate Value Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Youth Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

Qualifying balance up to $500.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Interest Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UniBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.78%
19315 Highway 99
Lynnwood, WA 98036
Personal Interest Checking (NOW)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
19002 33rd Ave W
Lynnwood, WA 98036
1st Platinum Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

$50,000-$99,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
19002 33rd Ave W
Lynnwood, WA 98036
1st Platinum Checking
0.01%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

$2,500-$4,999.99

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave
Vancouver, WA 98683 9510
Interest Checking
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $14,999.99

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1313 Main St
Vancouver, WA 98660 2918
Intelligent Checking Qualifying
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St
Aberdeen, WA 98520 6130
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1418 15th Ave
Longview, WA 98632
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

Qualifying balance up to $30,000

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
796 Commerce Ave
Longview, WA 98632 2459
Choice Checking (Requirements Met)
4.25%
$25
View
▼
Rate4.16%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.55%
1910 W Fourth Plain Blvd
Vancouver, WA 98660 1338
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Coastal Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.51%
5415 Evergreen Way
Everett, WA 98203
Green Rewards Checking
0.25%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $9,999.99

Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE
Spokane, WA 99202 3624
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
0.50%
$15,000
View
▼
Rate0.50%
Min Deposit$15,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
Better-than-Basic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
14610 E Sprague Ave
Spokane Valley, WA 99216
FREE CHECKING
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
1811 N Hutchinson Rd
Spokane Valley, WA 99212 2444
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

WCLA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
2419 Pacific Ave SE
Olympia, WA 98501
Basic Checking (personal)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S
Kent, WA 98032 4009
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St
Vancouver, WA 98663
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Youth Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

Qualifying balance up to $500.00

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
19419 Highway 99
Lynnwood, WA 98036
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5000.00

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Smart Checking (Youth)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Premium Commercial Checking Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Premium Commercial Checking Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Premium Commercial Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Small Business Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Small Business Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Premium Commercial Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Small Business Checking Account
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Small Business Checking Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Analysis Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Business Analysis Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Premium Commercial Checking Account
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Business Interest Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Business Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Business Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
5901 196TH St SW
Lynnwood, WA 98036 6052
Cannabis Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Business Interest Checking
0.05%
$1,000
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
19718 Highway 99 Ste 101
Lynnwood, WA 98036 6046
Small Business Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

UniBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.78%
19315 Highway 99
Lynnwood, WA 98036
Business Interest Checking (Sole Proprietorship, Attorney Trust Accounts, & Non-Profit Corporations only)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Lynnwood, Washington directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Lynnwood, Washington. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in WA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Lynnwood, Washington earn interest?

Most traditional local checking accounts in Lynnwood, Washington earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Lynnwood, Washington FDIC insured?

Yes. Legitimate banks with branches in Lynnwood, Washington are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Lynnwood, Washington

Based on our current data, some of the highest checking account APYs available to residents of Lynnwood, Washington include:
  • Harborstone Credit Union
    PNW Premier Checking — 7.00% APY
  • Seattle Metropolitan Credit Union
    IOLTA Checking — 1.51% APY
  • Sound Credit Union
    Analysis Checking — 0.75% APY
  • Verity Credit Union
    Cartwheel Checking — 0.50% APY
  • Pacific Crest SB
    Interest Plus Checking — 0.15% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lynnwood, Washington. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Lynnwood, Washington Rates & Resources

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