Moses Lake, Washington Savings Rates - August 2026
Brian McKay
Brian McKay
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The best savings rates for Moses Lake, Washington and the surrounding area include Spokane Teachers Credit UnionSpokane Teachers Credit Union1035 N Stratford Rd Unit 1, Moses Lake, WA 98837A+5.0 ★Texas Ratio: 3.13%Real return: +2.30%APY minus 2.8% CPI (February 2026) First5 Savings at 5.10% APY, WaFd BankWaFd Bank103 E 3rd Ave, Moses Lake, WA 98837A+5.0 ★Texas Ratio: 2.33%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, Gesa Credit UnionGesa Credit Union721 S Pioneer Way, Moses Lake, WA 98837 1883A+5.0 ★Texas Ratio: 4.30%Real return: +2.20%APY minus 2.8% CPI (February 2026) Explorer Savings at 5.00% APY, Solarity Credit UnionSolarity Credit Union411 E 5th Ave, Moses Lake, WA 98837A+5.0 ★Texas Ratio: 0.45%Real return: +0.25%APY minus 2.8% CPI (February 2026) Bonus Savings at 3.05% APY, and Horizon Credit UnionHorizon Credit Union1704 S Clover Dr, Moses Lake, WA 98837A+5.0 ★Texas Ratio: 1.46%Real return: +0.23%APY minus 2.8% CPI (February 2026) HomeStart Savings at 3.03% APY.
Moses Lake has 35 local institutions in our database, with savings rates as high as 5.10% APY from Spokane Teachers Credit Union at 1035 N Stratford Rd Unit 1, Moses Lake, WA 98837. Use the table below to compare all available offers, including options from institutions serving the broader Washington area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Moses Lake, Washington and the surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Savings Rates in Moses Lake, Washington & Surrounding Communities
Balances above $500 earn 0.25% APY.
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
Age: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. Gesa will match deposits up to $25, in $5 increments, within the first year that the account is opened. If less than $5 is deposited at one time, a savings match equaling the amount deposited will be made within one business day of the account deposit. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit. Limit of one savings match of $5, per member, per day. Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered. Super Student Incentive deposit will be made within one business day of the presentation of a report card. Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student Match per member, per season. The incentive payments may be subject to required IRS reporting.
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements
Qualifications Required: 20+ debit card purchases per month; linked Solarity checking account; eStatements enrollment; Earn 3.05% APY on balances up to $10,000 and 0.05% APY on balances over $10,000 when you settle and clear 20+ debit card purchases per month with a linked Solarity checking account and enroll in eStatements. If qualifications aren't met, all balances earn 0.05% APY. Minimum to earn APY is $0.01. Rates and terms subject to change after account opening. Limit of one Bonus Savings per checking account.
Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements; Listed promotional APY paid on balances up to $50,000; 0.05% APY paid on balances above $50,000. To qualify for bonus dividends, you must Bundle with a Horizon checking account (excluding - Tether and Explorer Checking). Log on to online banking at least one time each calendar month. Receive at least one direct deposit that successfully posts to an account in the membership each calendar month. C onduct a minimum of 15 debit card transactions via the checking account in each calendar month. B e enrolled in electronic statements.
Qualifications Required: Monthly electronic transfer of $50 or more from the checking account to the savings account; Sign up for online statements in digital banking; Any balance above $15,000.00 will earn the standard dividend rate. Checking account does not earn dividends.
Banner checking account required. Public fund accounts not eligible. 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. Additional restrictions may apply. View current rates .
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
No monthly service charge.
If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.
APY effective 07/01/2026. Rate is variable and may change after account is open. A $2 fee is charged any month that your average monthly balance goes below $250. One health savings account is allowed per person. No minimum balance to open an STCU health savings account. Fees may reduce earnings. Consult your tax advisor.
APY effective 07/01/2026. Dividends calculated on daily balance. No fees, service charges, or minimum balance. Every transaction recorded on your statement. Auto save. Schedule automatic transfers on payday to your savings account. Federally insured up to $250,000. 24-hour access. Free online , mobile , and ATM access. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings.
$100 minimum to earn interest and waive $10 monthly service charge.
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
If qualifications aren't met, all balances earn 0.05% APY. Limit of one Bonus Savings per checking account.
7.00% on first $500
Available for ages 0-19 years with a parent/guardian joint signer. It earns 7.00% APY on balances up to $500. Regular savings rate applies to balances above $500; dividend rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. $1 to open. APY is accurate as of June 22, 2023.
Designed for children and teens under 19, this account has no monthly fees, no minimum balance, and grows with them. 5.50 APY on up to $1,000. Rates are variable and subject to change after account opening.
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF NOVEMBER 3, 2025. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. TO OPEN THIS ACCOUNT, THE BANK REQUIRES A RELATIONSHIP ACCOUNT. RELATIONSHIP IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. VARIABLE RATE INFORMATION. THE INTEREST RATE OF THE TIER WILL BE PAID ONLY FOR THAT PORTION OF YOUR DAILY BALANCE THAT FALLS WITHIN THE TIER MINIMUM AND MAXIMUM. THE ANNUAL PERCENTAGE YIELD FOR EACH TIER WILL VARY, DEPENDING ON THE BALANCE IN THE ACCOUNT. FOR EXAMPLE, A BUSINESS OPTIMUM SAVINGS ACCOUNT WITH A DAILY BALANCE OF $150,000 WOULD EARN AN INTEREST RATE OF 4.89% ON THE FIRST $5,000. THE ACCOUNT WOULD EARN AN INTEREST RATE OF 0.25% ON THE REMAINING $145,000.; $0-$5,000
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.; $0 maintenance service charge requirements: Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Student Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.; $0 maintenance service charge requirements: Maintain an active 1st Gold Student Checking account and transfer $25+ from your 1st Gold Student checking account to your Optimum Student Savings account at least once per month
Qualifying balances** less than $50,000
$100,000 and greater
Initial deposits into the Companion Savings Account cannot exceed the deposits into any new or renewing Certificate of Deposit (CD). Deposits into Companion Savings Accounts can only be made when a new CD is opened, a deposit is made into an existing Certificate or an existing CD account is renewed at time of maturity. When a CD matures, up to the entire balance of the maturing CD may be deposited into a Companion account. Deposits must be made the same day as the deposits into the CD or at time of maturity. Companion Savings Accounts are compatible with any CD (including IRA's).
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.
Moses Lake, WA Savings Rate Trends
Compare local Moses Lake, WA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington high-yield savings rates rose 0.644 points over the past 7 days to 0.906% APY, up from 0.261%.
Washington standard savings rates rose 0.070 points over the past 7 days to 1.300% APY, up from 1.230%.
Moses Lake, Washington Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings 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 savings average of 0.906% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 Moses Lake, Washington.
Savings Account Earnings in Moses Lake, Washington
Annual interest earnings at current WA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (0.906% APY) | Monthly Earnings | Standard Savings (1.300% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $45.29 / year | $3.77 | $64.99 / year | $5.42 |
| $10,000 | $90.58 / year | $7.55 | $129.98 / year | $10.83 |
| $25,000 | $226.45 / year | $18.87 | $324.95 / year | $27.08 |
| $50,000 | $452.90 / year | $37.74 | $649.90 / year | $54.16 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Moses Lake, Washington savings rate averages as of August 30, 2026. | ||||
About Our Moses Lake, Washington Savings Rate Database
MonitorBankRates found 6 institutions with branches in Moses Lake (2 banks, 4 credit unions), plus 7 additional state-chartered and national online institutions available to Moses Lake 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 (1–5), 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: Spokane Teachers Credit Union offers a savings account at 5.10% APY. Use the rate table above to compare all current offers in Moses Lake, Washington.
How to Find the Best Savings Rates in Moses Lake, Washington
What to compare when shopping for a savings account in Moses Lake, Washington
To find the best savings APYs in Moses Lake, Washington, start with credit unions and online-only banks — Moses Lake, Washington has 6 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WA high-yield savings average is 0.906% — but top local institutions are offering as high as 5.10%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Moses Lake, Washington high-yield savings rates currently average 0.906% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Moses Lake, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 13 institutions in Moses Lake, Washington report savings 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 → Moses Lake, Washington CD rates
- You want check-writing flexibility → Moses Lake, Washington money market rates
- You need daily transaction access → Moses Lake, Washington checking rates
Moses Lake, Washington Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
13.3% of residents are 65 or older — below the national average of 17.3%. At today’s WA high-yield savings average of 0.906%, saving 10% of the local median salary ($4,579/year) would earn an additional $41 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Moses Lake, Washington Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Moses Lake, Washington.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 0.906% | 1.300% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Moses Lake, Washington averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Moses Lake, Washington
At WA’s top rate of 5.10% from Spokane Teachers Credit Union, a $10,000 deposit earns $510 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Moses Lake, Washington earner is roughly $11,400. At 0.906% APY, saving $950/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWashington’s high-yield savings average is 0.906% APY — variable and always accessible. 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 Moses Lake, Washington earner makes $45,792/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 0.906% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 0.906% APY grows to roughly $29,941 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 Moses Lake, Washington savings 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 Savings Rate Data: We aggregate savings account rates for Moses Lake, 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 Moses Lake, 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 Moses Lake, Washington
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Moses Lake, Washington safe?
How often do savings rates change in Moses Lake, Washington?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Moses Lake, Washington?
How do I open a savings account in Moses Lake, Washington?
Best Savings Rates in Moses Lake, Washington
- Spokane Teachers Credit Union
First5 Savings — 5.10% APY - WaFd Bank
Start Savings — 5.00% APY - Gesa Credit Union
Explorer Savings — 5.00% APY - Solarity Credit Union
Bonus Savings — 3.05% APY - Horizon Credit Union
HomeStart Savings — 3.03% APY
Moses Lake, Washington Rates & Resources
