Best Banks & Checking Accounts in Trends, Washington - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Trends, Washington include Harborstone Credit UnionHarborstone Credit UnionA5.0 ★Texas Ratio: 6.54% PNW Premier Checking (when qualifications are met) at 7.00% APY, Whatcom Educational Credit UnionWhatcom Educational Credit UnionA+5.0 ★Texas Ratio: 4.69% First Step Checking at 7.00% APY, Unitus Community Credit UnionUnitus Community Credit UnionA+5.0 ★Texas Ratio: 3.85% Interest Checking at 5.50% APY, IQ Credit UnionIQ Credit UnionA+5.0 ★Texas Ratio: 4.02% Intelligent Checking Qualifying at 5.00% APY, and People's Community Federal Credit UnionPeople's Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% Loyalty Checking at 5.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
Trends is a smaller community with no bank or credit union branches currently in our database. 34 institutions serving the Washington area are available to Trends residents, with checking rates as high as 7.00% APY from Harborstone Credit Union. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, Washington. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in Trends, Washington & the Surrounding Area
Qualifications Required: Qualifications Required; 6.78% on daily account balances up to $4,000 and 0.05% on balances over $4,000; 7.00% on daily account balances up to $4,000 and 0.05% on balances over $4,000
7.00% on first $250
Qualifications Required: Enroll in eStatements; Log into Digital Banking; At least 15 purchase-debit card transactions post to the account; Deposit (direct, ACH transfer, or other deposit) of at least $250; Qualifying balance up to $14,999.99
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance $0-$25,000
No additional details provided.
Qualifications Required: Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000.; Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $5,000.00
No additional details provided.
Requirements met - up to $5000**
Qualifications Required; Daily Balance is between $0.01 and $25,000
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying Rate $0-$30,000
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required; **
Qualifications Required; Qualifying balance up to $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required; **
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: 15 purchase transactions (minimum of $5 each); e-statements enrollment; $6/month ($9.00 monthly fee if you opt out of eStatements or direct deposit); ATM fee reimbursement (if you meet our simple monthly requirements**)
Qualifications Required: Qualifications Required; 6.78% on daily account balances up to $4,000 and 0.05% on balances over $4,000; 7.00% on daily account balances up to $4,000 and 0.05% on balances over $4,000
7.00% on first $250
Qualifications Required: Enroll in eStatements; Log into Digital Banking; At least 15 purchase-debit card transactions post to the account; Deposit (direct, ACH transfer, or other deposit) of at least $250; Qualifying balance up to $14,999.99
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance $0-$25,000
No additional details provided.
Qualifications Required: Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000.; Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $5,000.00
No additional details provided.
Requirements met - up to $5000**
Qualifications Required; Daily Balance is between $0.01 and $25,000
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying Rate $0-$30,000
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required; **
Qualifications Required; Qualifying balance up to $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required; **
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: 15 purchase transactions (minimum of $5 each); e-statements enrollment; $6/month ($9.00 monthly fee if you opt out of eStatements or direct deposit); ATM fee reimbursement (if you meet our simple monthly requirements**)
Requirements met - up to $5000**
Qualifications Required; **
Qualifications Required; Qualifying balance up to $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: Requirements met; Requirements met - over $5000**
Qualifications Required: 1.980% Dividend Rate on balances $100 - $15,000. 0.10% Dividend Rate on balances over $15,000.
Qualifications met for 4.07% or 2.02%
**
Non-Qualifying balances**; Simple; Online Only
Qualifications Required: 0.10% Dividend Rate on balances over $15,000.
Qualifications Required: Requirements met; Requirements met - over $5000**
Requirements met - over $5000**
Qualifications Required: 12 Debit card purchases with a minimum purchase of $3 per transaction that post and settle your account; at least one (1) ACH Debit Payment or eDCU BillPay transaction(s) post and settle; be enrolled in and log in to Online Banking monthly; receipt of electronic statements monthly; Refunds on ATM withdrawal fees, nationwide*; 0.05% APY on balances over $25,000 depending on balance in account*; 0.05% APY* if qualifications aren't met
No additional details provided.
BASE RATE (Non-Qualified Rate)
No additional details provided.
Earns Dividends
Qualifications Required: No qualifications required; All balances (if qualifications not met)
Qualifications Required: Requirements not met; Requirements not met
Requirements not met
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
No additional details provided.
Qualifications Required: 15 purchase transactions (minimum of $5 each); e-statements enrollment; Monthly and maintenance fees (if you receive eStatements or direct deposit of $300 of more per month**); $3.00 monthly fee if you opt out of eStatements or direct deposit
Qualifications Required: 15 debit card purchases (minimum of $5 each); e-statements enrollment; Rates effective as of July 13, 2026
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: 12 Debit card purchases with a minimum purchase of $3 per transaction that post and settle your account; at least one (1) ACH Debit Payment or eDCU BillPay transaction(s) post and settle; be enrolled in and log in to Online Banking monthly; receipt of electronic statements monthly; Refunds on ATM withdrawal fees, nationwide*; 0.05% APY on balances over $25,000 depending on balance in account*; 0.05% APY* if qualifications aren't met
No additional details provided.
Rates effective as of July 13, 2026
No additional details provided.
No additional details provided.
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No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Requirements met - up to $5000**
No additional details provided.
Requirements met - over $5000**
Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Checking account.
Requirements not met
No additional details provided.
No additional details provided.
No additional details provided.
Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. Subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 01/10/25, Prime Rate is 6.75%.. All interest is compounded and credited monthly.
No additional details provided.
Account available when qualifications for $3 million in lending has been established.
Account available when qualifications for $3 million in lending has been established.
Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees.
Account available when qualifications for $3 million in lending has been established.
Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees.
Account available when qualifications for $3 million in lending has been established.
Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees.
No additional details provided.
Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees.
No additional details provided.
No additional details provided.
Account available when qualifications for $3 million in lending has been established.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Trends, WA Checking Rate Trends
Compare local Trends, WA checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington high-yield checking rates rose 0.877 points over the past 7 days to 1.699% APY.
Washington free checking rates fell 0.236 points over the past 7 days to 1.246% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Trends, 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 Trends, 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 Trends, Washington earn interest?
Are banks in Trends, Washington FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Trends, Washington
- Harborstone Credit Union
PNW Premier Checking (when qualifications are met) — 7.00% APY - Whatcom Educational Credit Union
First Step Checking — 7.00% APY - Unitus Community Credit Union
Interest Checking — 5.50% APY - IQ Credit Union
Intelligent Checking Qualifying — 5.00% APY - People's Community Federal Credit Union
Loyalty Checking — 5.00% APY
