Mount Vernon, 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 Mount Vernon, Washington and the surrounding area include Whatcom Educational Credit UnionWhatcom Educational Credit Union1835 Riverside Dr, Mount Vernon, WA 98273A+5.0 ★Texas Ratio: 4.98% First Step Savings at 7.00% APY, Peoples Bank (WA)Peoples Bank (WA)1801 Riverside Dr, Mount Vernon, WA 98273A+5.0 ★Texas Ratio: 0.39% Youth Savings at 5.50% APY, Banner BankBanner Bank1301 Memorial Hwy, Mount Vernon, WA 98273A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, Wells FargoWells Fargo1511 Riverside Dr, Mount Vernon, WA 98273A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, and 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. Savings rates as of April 2, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Mount Vernon, Washington, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Mount Vernon, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Mount Vernon, Washington and the surrounding area. Last Updated and Verified: April 2, 2026
Compare the Best Savings Rates in Mount Vernon, Washington & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
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%
1835 Riverside Dr, Mount Vernon, WA 98273
First Step (Youth) Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $500
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Stash (Emergency) Savings
6.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $2500
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1801 Riverside Dr, Mount Vernon, WA 98273
Youth Savings
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
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%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
2.58%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
High Yield Plus Savings
2.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
with Spend Plus Checking APY: 3.50%
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
2.28%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
High Yield Plus Savings
2.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
with Spend Plus Checking APY: 3.00%
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
High Yield Plus Savings
2.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
with Spend Plus Checking APY: 2.75%
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
1.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Trust, Estate, IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Trust, Estate, or IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1301 Memorial Hwy, Mount Vernon, WA 98273
High Yield Relationship Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Regular Savings
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Health Savings (HSA)
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
Education Savings (ESA)
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1801 Riverside Dr, Mount Vernon, WA 98273
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1511 Riverside Dr, Mount Vernon, WA 98273
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1835 Riverside Dr, Mount Vernon, WA 98273
High Yield Plus Savings
0.01%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
with Spend Plus Checking APY: 0.50%
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
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
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
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
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
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
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
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
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
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
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
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
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%
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
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
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
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
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
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
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
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.
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
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
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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 Mount Vernon, 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 Mount Vernon, 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 Mount Vernon, 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 Mount Vernon, 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 Mount Vernon, 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 Mount Vernon, 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 Mount Vernon, Washington?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Mount Vernon, Washington offer in-person customer service, which some customers prefer.
How do I open a savings account in Mount Vernon, 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 Mount Vernon, Washington
Here are recent savings rates observed in Mount Vernon, Washington and the surrounding area:
- Whatcom Educational Credit Union
First Step Savings — 7.00% APY - Peoples Bank (WA)
Youth Savings — 5.50% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY - Responders Emergency Services Credit Union
Savings — 12.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Mount Vernon, 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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