Washington (WA) Savings Rates - April 2026
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The savings 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.
The best savings rates for Washington include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Savings at 12.00% APY, Whatcom Educational Credit UnionWhatcom Educational Credit Union600 E Holly St, Bellingham, WA 98225A+5.0 ★Texas Ratio: 4.98% First Step Savings at 7.00% APY, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit Union2800 S 192nd St Ste 106, SEATAC, WA 98188 5164A+5.0 ★Texas Ratio: 0.33% Youth Savings at 6.14% APY, Red Canoe Credit UnionRed Canoe Credit Union1418 15th Ave, Longview, WA 98632A+5.0 ★Texas Ratio: 3.75% Round Up Savings at 6.00% APY, and Peoples Bank (WA)Peoples Bank (WA)3100 Woburn St, Bellingham, WA 98226A+5.0 ★Texas Ratio: 0.39% Youth Savings at 5.50% APY. Savings rates as of April 2, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Washington compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Washington and the surrounding area. Last Updated and Verified: April 2, 2026
Compare the Best Savings Rates in Washington
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Savings
12.00%
$0
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Maximum Balance: $1,200
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
First Step Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $500.00
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
First Step (Youth) Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $500
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
Youth Savings
6.14%
$0
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
Stash (Emergency) Savings
6.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $2500
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
Round Up Savings
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3100 Woburn St, Bellingham, WA 98226
Youth Savings
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1620 N Signal Dr, Liberty Lake, WA 99019
First5 Savings
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Rewards Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA 99337
Regular Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
One Per Member (Primary RS Savings only) for 5%
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
SmartPlus Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
Explorer Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00; Learn More
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Rewards Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Full Balance
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1617 6th Ave Fl 5, Seattle, WA 98101
Youth Savings Accounts
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $5,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Optimum Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $5,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Optimum Student Savings
5.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $5,000.00
Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
NexGen Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
Premier Savings for New Members
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
High-Yield Savings Account
4.07%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA 98032
Youth Savings
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA 98662
High Dividend Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA 98662
Personal Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
Youth Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Max My Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: 12 debit card purchases; eStatements; Digital Banking; Qualifying balance up to $50,000.00
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
Member Savings
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA 98661
OnPoint Premium Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: Six qualifying transactions per month in an OnPoint checking account; Qualifying balance up to $100,000.00
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
Rewards Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Digital High-Yield Savings
3.30%
$50
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
High Yield Savings
3.30%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
deposit $25,000 in new money** within 30 days
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
High Yield Savings Account
3.30%
$1,000
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
New Money is defined as money that has not been on deposit at the credit union in the past 30 days when the account is opened.
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Nonprofit Savings
3.25%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
$100,000 and greater
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
High-Yield Online Savings Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
Premier Relationship Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship
Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
110 N 5th Ave, Yakima, WA 98902
Bonus Savings
3.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: Sign up for eStatements; Link Bonus Savings to a Solarity checking account; Make 20 or more debit card purchases each month; Qualifying balance up to $10,000
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
1331 Broadway, Tacoma, WA 98402 3410
High Yield Business Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
1331 Broadway, Tacoma, WA 98402 3410
High-Yield Business Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
Gateway High Yield Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minimum Balance 4,5,6,9,10
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.63%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account.
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.58%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Companion Savings*
2.57%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Variable rate account.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Companion Savings
2.57%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.28%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
First Savings
2.25%
$1
▼
Rate2.23%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
Premium Business Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
8608 South Tacoma Way, Lakewood, WA 98499
Kids Savings
2.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Complimentary Kids Savings stackable money bank and passbook at new account opening
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
Alpine Savings
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
Alpine Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for 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 savings 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 Washington. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Washington
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Washington, help your money grow faster through a higher APY.
Are savings accounts in Washington safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Washington up to $250,000 per depositor, per institution.
How often do savings rates change in Washington?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Washington rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Washington may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Washington?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Washington offer in-person customer service, which some customers prefer.
How do I open a savings account in Washington?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Washington
Here are recent savings rates observed in Washington:
- Responders Emergency Services Credit Union
Savings — 12.00% APY - Whatcom Educational Credit Union
First Step Savings — 7.00% APY - Alaska Air Group Federal Credit Union
Youth Savings — 6.14% APY - Red Canoe Credit Union
Round Up Savings — 6.00% APY - Peoples Bank (WA)
Youth Savings — 5.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 2, 2026
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