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Washington Savings Rate Trends

Ronald, Washington (WA) Savings Rates - April 2026

The best savings rates for Ronald, Washington and the surrounding area include Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.00% Savings at 12.00% APY, Whatcom Educational Credit UnionWhatcom Educational Credit UnionA+5.0 ★Texas Ratio: 4.98% First Step Savings at 7.00% APY, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit UnionA+5.0 ★Texas Ratio: 0.33% Youth Savings at 6.14% APY, Red Canoe Credit UnionRed Canoe Credit UnionA+5.0 ★Texas Ratio: 3.75% Round Up Savings at 6.00% APY, and Peoples Bank (WA)Peoples Bank (WA)A+5.0 ★Texas Ratio: 0.39% Youth Savings at 5.50% APY.

Ronald is a smaller community with no bank or credit union branches currently in our database. 48 institutions serving the Washington area are available to Ronald residents, with savings rates as high as 12.00% APY from Responders Emergency Services Credit Union. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Ronald, Washington and the surrounding area. Last Updated and Verified: April 6, 2026

Compare the Best Savings Rates in Ronald, Washington & Surrounding Communities

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%
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%
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%
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%
Youth Savings
6.14%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Round Up Savings
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
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%
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%
First5 Savings
5.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
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%
Optimum Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $5,000.00

TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
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%

Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
NexGen Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
SmartPlus Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $500.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Rewards Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Full Balance

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Rewards Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Youth Savings Accounts
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $500.00

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Business Optimum Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $5,000.00

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Optimum Student Savings
5.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $5,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
Premier Savings for New Members
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%
Premier Savings
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%
High-Yield Savings Account
4.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Youth Savings
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $25,000.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
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%
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%
Member Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
OnPoint Premium Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $100,000.00

First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
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%
Digital High-Yield Savings
3.30%
$50
Rate3.25%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
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%
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.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
High-Yield Online Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Nonprofit Savings
3.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedApr 4, 2026
Details

$100,000 and greater

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
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%
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%
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%
High Yield Business Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
High Yield Savings
3.04%
$1,000
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedMar 28, 2026
Details

Minimum Opening Deposit: $1,000.00 initially and $25,000.00 New Money within 30 days**

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
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%
High Yield Relationship Savings
2.63%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

A Banner Bank checking account is required to open a High Yield Relationship Savings account.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Companion Savings*
2.57%
$100
Rate2.50%
Min Deposit$100
Min Balance
UpdatedApr 3, 2026
Details

Variable rate account.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Companion Savings
2.57%
$100
Rate2.50%
Min Deposit$100
Min Balance
UpdatedApr 3, 2026
Details

First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
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%
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%
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%
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%
Alpine Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Health Savings Accounts (HSA)
1.65%
$50
Rate1.64%
Min Deposit$50
Min Balance
UpdatedMar 27, 2026
Details

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.

Ronald, WA Savings Rate Trends

Compare local Ronald, 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.

View Full Washington Savings Trends →
High-Yield Savings — WA Avg
1.521%
▲ 0.011 vs 7 days ago

Washington high-yield savings rates rose 0.011 points over the past 7 days to 1.521% APY, up from 1.510%.

Standard Savings — WA Avg
1.497%
▲ 1.193 vs 7 days ago

Washington standard savings rates rose 1.193 points over the past 7 days to 1.497% APY, up from 0.304%.

As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ronald, 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 Ronald, 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 Ronald, 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 Ronald, 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 Ronald, 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 Ronald, 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 Ronald, Washington?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ronald, Washington offer in-person customer service, which some customers prefer.

How do I open a savings account in Ronald, 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 Ronald, Washington

Here are recent savings rates observed in Ronald, Washington and the surrounding area:
  • 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 Ronald, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 6, 2026