Tumwater, Washington Money Market Rates - October 2026
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Brian McKay
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Tumwater, Washington money market account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 23, 2026. Current Tumwater, Washington and the surrounding area money market deposit account rates include Peak Credit UnionPeak Credit Union5735 LITTLEROCK RD SW, TUMWATER, WA 98512A5.0 ★Texas Ratio: 7.97%Real return: -2.30%APY minus 3.7% CPIRate verified Oct 22, 2026 Money Market Savings at 1.40% APY, EvergreenDIRECT Credit UnionEvergreenDIRECT Credit Union6001 Capitol Blvd SW, Tumwater, WA 98501 5290A+5.0 ★Texas Ratio: 2.61%Real return: -2.44%APY minus 3.7% CPIRate verified Oct 19, 2026 Money Market Accounts at 1.26% APY, Washington State Employees Credit UnionWashington State Employees Credit Union575 Trosper Rd SW Ste 104, Tumwater, WA 98512 6903A+5.0 ★Texas Ratio: 5.49%Real return: -2.45%APY minus 3.7% CPIRate verified Oct 19, 2026 Money Market accounts at 1.25% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU4212 Capitol Blvd SE, Tumwater, WA 98501 4414A+5.0 ★Texas Ratio: 2.23%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 23, 2026 Money Market at 0.50% APY, and Heritage BankHeritage Bank850 Trosper Rd Sw, Tumwater, WA 98512A+5.0 ★Texas Ratio: 1.04%Real return: -3.40%APY minus 3.7% CPIRate verified Oct 22, 2026 Cascade Money Market at 0.30% APY. Money market rates as of October 23, 2026 according to verified data from MonitorBankRates.
Tumwater has 7 local institutions in our database, with money market rates as high as 1.40% APY from Peak Credit Union at 5735 LITTLEROCK RD SW, TUMWATER, WA 98512. 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 Tumwater, Washington and surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Money Market Rates Today in Tumwater, Washington & the Surrounding Area
Balance: $250,000 and up
Balance: $150,000 - $249,999.99
Balance: $75,000.00 or greater (tier band not printed in table)
Balance: $100,000 +
Balance: $100,000 - $149,999.99
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: $5,000 - $9,999.99
Balance: $50,000.00 or greater (tier band not printed in table)
Balance: $1,000,000.00 and over
Balance: $35,000.00 or greater (tier band not printed in table)
Balance: $500,000.00 - $999,999.99
Balance: $20,000.00 - $34,999.99
Balance: $250,000.00 - $499,999.99
Balance: $50,000 - $99,999.99
Balance: $10,000.00 - $19,999.99
Balance: $500,000+
Balance: $150,000.00 - $249,999.99
Balance: $25,000 - $49,999.99
Balance: $2,500.00 - $9,999.99
Balance: $100,000.00 - $149,999.99
Balance: $10,000 - $24,999.99
Balance: $100,000-$499,999.99
Balance: $10,000 - $49,999.99; Compounding: Daily
Balance: $10,000 - $49,999.99; Compounding: Daily
Balance: $50,000 - $99,999.99; Compounding: Daily
Balance: $50,000.00 - $99,999.99
Balance: $75,000-$99,999.99
Balance: $50,000 - $99,999.99; Compounding: Daily
Balance: $25,000.00 - $49,999.99
Balance: $0 - $999.99
Balance: $15,000.00 - $24,999.99
Balance: $50,000-$74,999.99
Balance: $2,500 - $9,999.99; Compounding: Daily
Balance: $50 - $9,999.99; Compounding: Daily; Contact OlyFed
Balance: $2,500 - $9,999.99; Compounding: Daily
Balance: $0.00 - $2,499.99
Balance: $5,000.00 - $14,999.99
Balance: $0 - $4,999.99
Balance: $25,000-$49,999.99
Standard rate on balances under $5,000 (outside the bonus offer); rates for ZIP 06897
Balance: $10,000-$24,999.99
Balance: $50 - $2,499.99; Compounding: Daily; Contact OlyFed
Balance: $50 - $2,499.99; Compounding: Daily; Open Online
Balance: $50 - $49,999.99; Compounding: Daily; Open Online
Balance: Up to $4,999.99
Balance: $0.00 - $4,999.99
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
Balance: $0 - $250,000.00; No monthly fee if below minimum balance; Available to nonprofit organizations registered with the Oregon or Washington Secretary of State or with proof of IRS tax exempt status; Rates Effective: 10-18-2026
- 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.
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+
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 clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
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+
Balance: $5,000,000 & Above
Balance: $250,000 and above; Variable rate account; 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
Featured on homepage: 3.05% 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: $24,999.00 & Below
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
Balance: $100,000 - $249,999.99
Balance: $1,000,000 - $2,499,999.99
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999.99; Tiered rates based on account balance; E-statements required
Balance: $250,000 to $499,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $250,000 - $499,999
Balance: $50,000 - 99,999; Minimum balance to open $2,000
- Oct 8, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999; Variable rate account; Guaranteed rates through 12.01.26
Balance: $100,000 - $249,999.99; Tiered rates based on account balance; E-statements required
Balance: $100,000 to $249,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $25,000 and above
Balance: $500,000 and above
Balance: $0 - 49,999; Minimum balance to open $2,000
- Oct 8, 20262.50%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: ALL
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.
Tumwater, WA Money Market Rate Trends
Compare local Tumwater, 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 currently average 3.039% APY.
Washington standard MMA rates rose 0.035 points over the past 7 days to 0.599% APY.
Tumwater, 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 3.039% 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 Tumwater, Washington.
Money Market Account Earnings in Tumwater, 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 (3.039% APY) | Monthly Earnings | Standard MMA (0.599% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.89 / year | $25.32 | $59.87 / year | $4.99 |
| $25,000 | $759.73 / year | $63.31 | $149.68 / year | $12.47 |
| $50,000 | $1,519.45 / year | $126.62 | $299.35 / year | $24.95 |
| $100,000 | $3,038.90 / year | $253.24 | $598.70 / year | $49.89 |
| 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: Tumwater, Washington money market rate averages as of October 25, 2026. | ||||
About Our Tumwater, Washington Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Tumwater (3 banks, 4 credit unions), plus 41 additional state-chartered and national online institutions available to Tumwater 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: Peak Credit Union offers a money market account at 1.40% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Tumwater, Washington.
How to Find the Best Money Market Rates in Tumwater, Washington
What to compare when shopping for a money market account in Tumwater, Washington
To find the best money market APYs in Tumwater, Washington, start with credit unions and online-only banks: Tumwater, 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 3.039% 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. Tumwater, Washington high-yield money market rates currently average 3.039% 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 Tumwater, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 48 institutions in Tumwater, Washington report money market rates to our database.
- 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 Tumwater, Washington CD rates
- You don’t need check writing and want a lower minimum Tumwater, Washington savings rates
- You need daily transaction access Tumwater, Washington checking rates
Tumwater, Washington Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.6% of residents are 65 or older, below the national average of 17.3%. At today’s WA high-yield money market average of 3.039%, saving 10% of the local median salary ($5,450/year) would earn an additional $166 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Tumwater, Washington Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Tumwater, Washington.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 3.039% | View Savings Rates | 0.599%(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 Tumwater, Washington averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Tumwater, 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 Tumwater, 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 Tumwater, Washington
At WA’s top money market rate of 1.40% from Peak Credit Union, a $10,000 deposit earns $140 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Tumwater, Washington earner is roughly $13,600. At 3.039% APY in a money market account, saving $1,140/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 3.039% 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 Tumwater, Washington earner makes $54,501/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.039% APY.
Retirement PlannerA $25,000 money market balance earning 3.039% APY grows to roughly $45,495 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 Tumwater, 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 Tumwater, 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 Tumwater, 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 Tumwater, Washington
What is a Money Market Account (MMA)?
Are Money Market accounts in Tumwater, Washington safe?
How often do MMA rates change in Tumwater, Washington?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Tumwater, 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 Tumwater, Washington for money market accounts?
Best Money Market Rates in Tumwater, Washington
- Peak Credit Union
Money Market Savings: 1.40% APY - EvergreenDIRECT Credit Union
Money Market Accounts: 1.26% APY - Washington State Employees Credit Union
Money Market accounts: 1.25% APY - Americas Federal Credit Union ACU
Money Market: 0.50% APY - Heritage Bank
Cascade Money Market: 0.30% APY
Tumwater, Washington Rates & Resources
