Shoreline, Washington Money Market Rates - October 2026
Brian McKay
Brian McKay
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Shoreline, Washington money market account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Shoreline, Washington and the surrounding area money market deposit account rates include US BankUS Bank17202 15th Ave Ne, Shoreline, WA 98155A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Sound Credit UnionSound Credit Union16330 Aurora Ave N, Shoreline, WA 98133A5.0 ★Texas Ratio: 8.08%Real return: -0.80%APY minus 2.8% CPI (February 2026) Business High-Yield Money Market at 2.00% APY, Connection Credit UnionConnection Credit UnionA+5.0 ★Texas Ratio: 3.66%Real return: +2.32%APY minus 2.8% CPI (February 2026) Youth Money Market at 5.12% APY, Nuvision Federal Credit UnionNuvision Federal Credit UnionA+5.0 ★Texas Ratio: 3.84%Real return: +1.20%APY minus 2.8% CPI (February 2026) Advantage Choice Money Market at 4.00% APY, and Unitus Community Credit UnionUnitus Community Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Account (Business) at 4.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Shoreline has 2 local institutions in our database, with money market rates as high as 3.40% APY from US Bank at 17202 15th Ave Ne, Shoreline, WA 98155. Use the table below to compare all available offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Shoreline, Washington and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Shoreline, Washington & the Surrounding Area
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $0 - $99,999.99; Minimum Balance to Earn APY: $0
Balance: $0 to $9,999.99; Rates for ZIP 55402; valid on new Elite Money Market accounts or accounts open less than 30 days
Balance: $0-750; Dividend Declaration Date: 1/27/2023
Balance: $0 -$1,000
Balance: $250,000 - $499,999.99
Balance: $24,999.01 & Above
Balance: $0 - $250,000.00; No monthly fee if below minimum balance; Available to organizations registered as nonprofit with the Oregon or Washington Secretary of State or providing proof of IRS tax exempt status; Interest compounded and credited monthly; Rates effective 10-12-2026
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $50,000 and up; Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
Monthly compounding; no minimum to open per footnote; eStatement enrollment required
Balance: $1,000,000 and above
Balance: $1,000,000+
Balance: $500,000.00 and over; Qualifying Bump Rate
Balance: $250,000.00 - $499,999.99; Qualifying Bump Rate
Balance: $500,000 and above
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $100,000.00 - $249,999.99; Qualifying Bump Rate
Balance: $750,000 - $999,999
Balance: $1,000,000+
- Oct 8, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $1,000,000+
- Oct 9, 20263.25%▲ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $250,000 and above; Personal account; Guaranteed rates through 12.01.26; Fees may reduce earnings
Balance: $250,000 and above; Guaranteed rates through 12.01.26
Balance: $100,000.00 and greater
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $250,000 and over
Minimum balance to earn stated APY: $250,000.00
Balance: $24,999.00 & Below
Balance: $1,000,000 and above; eStatements required; consumer only
Balance: $500,000 - $749,999
Balance: $100,000 - 999,999
- Oct 8, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $500,000-$999,999.99
Balance: $100,000 - $249,999.99
Balance: $1,000,000 - $2,499,999.99
Balance: $10,000 or more; Available to business memberships only; Minimum opening deposit of $10,000 must come from an institution other than Rivermark (New Money); Interest is compounded daily and credited monthly; All rates are variable and subject to change
Balance: $100,000.00 - $249,999.99; eStatements required to earn interest; if eStatements are discontinued, APY reduced to 0.00%
Minimum Balance: $500,000
Balance: $250,000+; Requires Checking with daily average balance of at least $3,000 per month, otherwise 0.50% APY (0.499% Dividend Rate)
Balance: > $1,000,000.00
Open with $25,000 or more; Open your account in online banking
Balance: $25,000 and above
Balance: $500,000 - $999,999; eStatements required; consumer only
Balance: $250,000 - $499,999
Balance: $500,000 - $999,999.99
As High As; APY effective 07/01/2026; No minimum balance required to earn the APY; Automatic rate hikes at higher balance tiers
Balance: $100,000.00 and over; Dividend compounded and credited: Earned Daily; Dividend posted: Last Day of Month; If closed prior to month end, dividend is forfeited
Balance: $250,000 to $499,999.99
Balance: $250,000 and up; Method of Compounding: Daily; $15 closing fee if closed in the first 90 days
Balance: $250,000 - $499,999; eStatements required; consumer only
Balance: $50,000 - 99,999
- Oct 8, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $250,000 - $499,999.99
Balance: $100,000 - $249,999.99; Method of Compounding: Daily; $15 closing fee if closed in the first 90 days
Balance: $100,000 - $249,999; eStatements required; consumer only
Balance: $100,000 - $249,999.99
Balance: $25,000.00 - $99,999.99; Qualifying Bump Rate
Balance: $100,000 - $249,999; Personal account; Guaranteed rates through 12.01.26; Fees may reduce earnings
Balance: $100,000 - $249,999; Guaranteed rates through 12.01.26
Balance: $100,000 to $249,999.99
Balance: $25,000.00 - $99,999.99
Balance: $25,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99; Dividend compounded and credited: Earned Daily; Dividend posted: Last Day of Month; If closed prior to month end, dividend is forfeited
Balance: $100,000 - $249,999.99
Balance: $25,000 and above
Balance: $500,000 and above
Balance: $0 - 49,999
- Oct 8, 20262.50%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $5,000 to $49,999; Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
Balance: $100,000-$499,999.99
Balance: $50,000 - $99,999.99
Balance: $500,000 - $999,999.99
Balance: $250,000 and over; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Minimum Balance: $250,000
Balance: $250,001 and over; Variable rate account; APY accurate as of October 13, 2026
Balance: $250,000+; Opening Fee: $0; Nonprofit 501(c)(3) organizations only; promotional rate requires new money to Verity; Effective dates: 10/12/26 - 10/18/26
Balance: $500.00 - $24,999.99; Qualifying Bump Rate
Balance: $100,000 - $249,999; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $50,000 - $99,999.99
Balance: $100,000-$249,999; Opening Fee: $0; Nonprofit 501(c)(3) organizations only; promotional rate requires new money to Verity; Effective dates: 10/12/26 - 10/18/26
Balance: $10,000 to $99,999.99
Balance: $1,000,000 & higher
Balance: $500,000 +; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $1,000,000 and greater
Balance: $1,000,000 and greater
Balance: Any balance up to $24,999.99
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $90,000 - $249,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Product name inferred from layout (tier sits in the Money Market Plus tier table). Interest Rate determined by monthly minimum balance.
Balance: $250,000-$999,999.99
Balance: $250,000-$999,999.99
Balance: $100,000 - $249,999
Balance: $.01 - $99,999
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Shoreline, WA Money Market Rate Trends
Compare local Shoreline, WA money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Washington high-yield MMA rates rose 0.011 points over the past 7 days to 3.015% APY.
Washington standard MMA rates fell 0.045 points over the past 7 days to 0.666% APY.
Shoreline, Washington Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current WA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WA high-yield money market average of 3.015% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Shoreline, Washington.
Money Market Account Earnings in Shoreline, Washington
Annual interest earnings at current WA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.015% APY) | Monthly Earnings | Standard MMA (0.666% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $301.53 / year | $25.13 | $66.64 / year | $5.55 |
| $25,000 | $753.82 / year | $62.82 | $166.60 / year | $13.88 |
| $50,000 | $1,507.65 / year | $125.64 | $333.20 / year | $27.77 |
| $100,000 | $3,015.30 / year | $251.28 | $666.40 / year | $55.53 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Shoreline, Washington money market rate averages as of October 14, 2026. | ||||
About Our Shoreline, Washington Money Market Rate Database
MonitorBankRates found 2 institutions with branches in Shoreline (1 bank, 1 credit union), plus 43 additional state-chartered and national online institutions available to Shoreline 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: US Bank offers a money market account at 3.40% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Shoreline, Washington.
How to Find the Best Money Market Rates in Shoreline, Washington
What to compare when shopping for a money market account in Shoreline, Washington
To find the best money market APYs in Shoreline, Washington, start with credit unions and online-only banks: Shoreline, Washington has 30 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current WA high-yield money market average is 3.015% but top local institutions are offering as high as 3.40%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Shoreline, Washington high-yield money market rates currently average 3.015% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Shoreline, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in Shoreline, Washington report money market rates to our database.
- You’re among Shoreline, Washington’s 19.7% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Shoreline, Washington CD rates
- You don’t need check writing and want a lower minimum Shoreline, Washington savings rates
- You need daily transaction access Shoreline, Washington checking rates
Shoreline, Washington Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
19.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s WA high-yield money market average of 3.015%, saving 10% of the local median salary ($6,611/year) would earn an additional $199 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Shoreline, Washington Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Shoreline, Washington.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 3.015% | View Savings Rates | 0.666%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Shoreline, Washington averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Shoreline, Washington Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Shoreline, Washington rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Shoreline, Washington
At WA’s top money market rate of 3.40% from US Bank, a $10,000 deposit earns $340 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Shoreline, Washington earner is roughly $16,500. At 3.015% APY in a money market account, saving $1,380/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountWashington’s high-yield money market average is 3.015% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Shoreline, Washington earner makes $66,119/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.015% APY.
Retirement PlannerA $25,000 money market balance earning 3.015% APY grows to roughly $45,287 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Shoreline, Washington money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Shoreline, Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Shoreline, Washington. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Shoreline, Washington
What is a Money Market Account (MMA)?
Are Money Market accounts in Shoreline, Washington safe?
How often do MMA rates change in Shoreline, Washington?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Shoreline, Washington?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Shoreline, Washington for money market accounts?
Best Money Market Rates in Shoreline, Washington
- US Bank
Elite Money Market Account: 3.40% APY - Sound Credit Union
Business High-Yield Money Market: 2.00% APY - Connection Credit Union
Youth Money Market: 5.12% APY - Nuvision Federal Credit Union
Advantage Choice Money Market: 4.00% APY - Unitus Community Credit Union
Money Market Account (Business): 4.00% APY
Shoreline, Washington Rates & Resources
