Snohomish, Washington Money Market Rates for October 2026
Brian McKay
Brian McKay
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Snohomish, Washington money market account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 31, 2026. Current Snohomish, Washington and the surrounding area money market deposit account rates include Peoples Bank (WA)Peoples Bank (WA)2801 Bickford Ave, Snohomish, WA 98290A+5.0 ★Texas Ratio: 0.88%Real return: -1.50%APY minus 3.7% CPIRate verified Oct 31, 2026 Business Money Market at 2.20% APY, WaFd BankWaFd Bank1101 Avenue D, Snohomish, WA 98290A+5.0 ★Texas Ratio: 4.48%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 31, 2026 High Yield Money Market at 2.00% APY, Global Federal Credit UnionGlobal Federal Credit Union17512 State Route 9 SE, Snohomish, WA 98296A5.0 ★Texas Ratio: 10.82%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 28, 2026 Business Money Market at 0.50% APY, Coastal Community BankCoastal Community Bank928 Avenue D, Snohomish, WA 98290B4.5 ★Texas Ratio: 20.96%Real return: -3.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Money Market at 0.40% APY, and Key BankKey Bank1325 Avenue D, Snohomish, WA 98290A+5.0 ★Texas Ratio: 4.81%Real return: -3.65%APY minus 3.7% CPIRate verified Oct 31, 2026 Key Select Money Market Savings - Offer One at 0.05% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Snohomish has 5 local institutions in our database, with money market rates as high as 2.20% APY from Peoples Bank (WA) at 2801 Bickford Ave, Snohomish, WA 98290. 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 Snohomish, Washington and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Snohomish, Washington & the Surrounding Area
Balance: $500,000 +
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: $500,000 +; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $500,000 +; Rate only applicable to funds currently placed in the IntraFi Network
Balance: $100,000 - $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: $250,000 - $499,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
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
Balance: $90,000 - $249,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $100,000 - $499,999; Rate only applicable to funds currently placed in the IntraFi Network
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $90,000 +; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $1,000 - $89,999; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $25,000 - $99,999
Balance: $250,000 minimum to earn
Balance: $250,000 minimum to earn
- Oct 22, 20260.50%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: $25,000 - $99,999; Rate only applicable to funds currently placed in the IntraFi Network
Balance: $100,000 minimum to earn
Balance: $100,000 minimum to earn
- Oct 22, 20260.45%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: $50,000 minimum to earn
Balance: $50,000 minimum to earn
- Oct 22, 20260.40%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: Equal to or less than $50,000.00 but less than $100,000.00
Balance: Equal to or greater than $25,000.00 but less than $50,000.00
Balance: $25,000 minimum to earn
Balance: $25,000 minimum to earn
- Oct 22, 20260.30%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Balance: Equal to or greater than $15,000.00 but less than $25,000.00
Balance: $10,000 minimum to earn
Balance: $10,000 minimum to earn
- Oct 22, 20260.25%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
Balance: $15,000 +; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge
Balance: less than $25,000
Balance: $5,000 minimum to earn
Balance: $5,000 minimum to earn
- Oct 22, 20260.20%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
Balance: $1,000 - $14,999; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge
Minimum balance to earn APY: $50,000
- Oct 4, 20260.15%▼ from 0.40%
- Sep 14, 20260.40%first recorded
Minimum balance to earn APY: $50,000
Balance: $100,000+; Interest Rate and APY shown
Minimum balance to earn APY: $5,000
- Oct 4, 20260.10%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Minimum balance to earn APY: $5,000
Balance: $0.00 - $2,499.99; 6-month bonus rate; blended APY; Offer Code VRMA0926; requires growing balance by $5,000
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMB1026; requires growing relationship or liquid balance by $25,000; standard or relationship rates apply after 6 months; rate may vary by booking location
Balance: less than $25,000; Interest Rate and APY shown
Balance: less than $25,000; Rate only applicable to funds currently placed in the IntraFi Network
Balance: $0-750; Rate Type: Variable; Dividend Declaration Date: 1/27/2023
Balance: $0 -$1,000
Balance: $250,000 - $499,999.99
Balance: $0 - $1,000
- Oct 20, 20263.93%▼ from 4.00%
- Sep 24, 20264.00%first recorded
Balance: $24,999.01 and over; Rates stated in homepage promotional text
Balance: $0 - $250,000.00; Available to nonprofit organizations registered with the Oregon or Washington Secretary of State or with proof of IRS tax exempt status; Interest compounded and credited monthly; No monthly fee
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.
Compounds & Credits: Monthly; No minimum to open per footnote, but table lists $1,000.00; eStatement enrollment is required
Balance: $1,000,000 and above
Balance: $1,000,000+; Minimum to Open $10,000.00
Balance: $500,000.000+
Balance: $250,000 and up; Compounding: Daily; APY is based on a balance of $100,000; $15 closing fee if closed in the first 90 days
- Oct 20, 20263.45%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $100,000 - $249,999.99; Compounding: Daily; APY is based on a balance of $100,000; $15 closing fee if closed in the first 90 days
- Oct 20, 20263.40%▲ from 2.70%
- Sep 18, 20262.70%first recorded
Balance: $250,000.00 - $499,999.99
Balance: $500,000 and above; Tiered rates based on account balance; E-statements required
Balance: $500,000 and above; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
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
Balance: $750,000 - $999,999
Balance: $1,000,000+; Minimum balance to open $2,000
- Oct 8, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $1,000,000.00 and over
Balance: $5,000,000 & Above
Balance: $250,000 and above; Guaranteed rates through 12.01.26
Balance: $100,000.00 and greater; Minimum daily balance to avoid service charge: $100,000; Minimum opening deposit requires $50,000 in new money (funds from another institution) and can be combined with other funds on deposit at the bank
Manager: DREYFUS; 7-Day Yield; CUSIP 370375206; Ticker GMBXX
- Oct 30, 20263.10%▲ from 3.06%
- Oct 22, 20263.06%first recorded
APY for 6 months
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; Dividends are compounded/credited monthly
Balance: $0.00 - $24,999.00; Rates stated in homepage promotional text
Balance: $1,000,000 and above
Balance: $500,000 - $749,999
Balance: $100,000 - 999,999; Minimum balance to open $2,000
- Oct 8, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $500,000-$999,999.99; Minimum to Open $10,000.00
Balance: $100,000 - $249,999.99
Balance: $1,000,000 - $2,499,999.99
Balance: $10,000 and over; Available to business memberships only; Minimum opening deposit of $10,000 must come from an institution other than Rivermark (New Money); Interest compounded daily and credited monthly
Balance: $100,000.00 - $249,999.99; eStatements are required to earn interest; if eStatements are discontinued, the APY will be reduced to 0.00% APY; Fees could reduce earnings on the account
Balance: 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: over $1,000,000.00; Limited Time Offer; New money required
Open with $25,000 or more; open your account in online banking
Balance: $25,000 and over; Prospective Dividend Rate and Prospective APY; Average Daily Balance
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
Balance: $500,000 - $999,999.99; Limited Time Offer; New money required
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; Minimum balance to earn stated APY: $100,000.00; Dividend compounded and credited: Earned Daily; Dividend posted: Last Day of Month; If closed prior to month end, dividend is forfeited; As of 8/27/2025
Balance: $250,000 - $499,999.99; Tiered rates based on account balance; E-statements required
Balance: $1,000,000 - $4,999,999.99
Balance: $250,000 - $499,999.99; Limited Time Offer; New money required
Balance: $100,000 - $249,999.99; Limited Time Offer; New money required
Balance: $25,000.00 - $99,999.99
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.
Snohomish, WA Money Market Rate Trends
Compare local Snohomish, 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 0.004 points over the past 7 days to 3.043% APY.
Washington standard MMA rates fell 0.038 points over the past 7 days to 0.561% APY.
Snohomish, 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 3.043% 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 Snohomish, Washington.
Money Market Account Earnings in Snohomish, 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 (3.043% APY) | Monthly Earnings | Standard MMA (0.561% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.33 / year | $25.36 | $56.09 / year | $4.67 |
| $25,000 | $760.82 / year | $63.40 | $140.23 / year | $11.69 |
| $50,000 | $1,521.65 / year | $126.80 | $280.45 / year | $23.37 |
| $100,000 | $3,043.30 / year | $253.61 | $560.90 / year | $46.74 |
| 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: Snohomish, Washington money market rate averages as of October 31, 2026. | ||||
About Our Snohomish, Washington Money Market Rate Database
MonitorBankRates found 5 institutions with branches in Snohomish (4 banks, 1 credit union), plus 40 additional state-chartered and national online institutions available to Snohomish 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: Peoples Bank (WA) offers a money market account at 2.20% APY. Use the rate table above to compare all current offers in Snohomish, Washington.
How to Find the Best Money Market Rates in Snohomish, Washington
What to compare when shopping for a money market account in Snohomish, Washington
To find the best money market APYs in Snohomish, Washington, start with credit unions and online-only banks: Snohomish, Washington has 27 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 3.043% Use the table above to find the best available offer.
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. Snohomish, Washington high-yield money market rates currently average 3.043% 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 Snohomish, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in Snohomish, Washington report money market rates to our database.
- You’re among Snohomish, Washington’s 20.1% 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 Snohomish, Washington CD rates
- You don’t need check writing and want a lower minimum Snohomish, Washington savings rates
- You need daily transaction access Snohomish, Washington checking rates
Snohomish, Washington Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
20.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; an unemployment rate of 10.6% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s WA high-yield money market average of 3.043%, saving 10% of the local median salary ($5,522/year) would earn an additional $168 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Snohomish, Washington Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Snohomish, Washington.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 3.043% | View Savings Rates | 0.561%(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 Snohomish, Washington averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Snohomish, 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 Snohomish, 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 Snohomish, Washington
At WA’s top money market rate of 2.20% from Peoples Bank (WA), a $10,000 deposit earns $220 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Snohomish, Washington earner is roughly $13,800. At 3.043% APY in a money market account, saving $1,150/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 3.043% 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 Snohomish, Washington earner makes $55,224/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.043% APY.
Retirement PlannerA $25,000 money market balance earning 3.043% APY grows to roughly $45,534 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 Snohomish, 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 Snohomish, 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 Snohomish, 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 Snohomish, Washington
What are money market account rates in Snohomish, Washington today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Snohomish, Washington safe?
How often do MMA rates change in Snohomish, Washington?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Snohomish, 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 Snohomish, Washington for money market accounts?
Best Money Market Rates in Snohomish, Washington
- Peoples Bank (WA)
Business Money Market: 2.20% APY - WaFd Bank
High Yield Money Market: 2.00% APY - Global Federal Credit Union
Business Money Market: 0.50% APY - Coastal Community Bank
Money Market: 0.40% APY - Key Bank
Key Select Money Market Savings - Offer One: 0.05% APY
Snohomish, Washington Rates & Resources
