Spanaway, Washington (WA) Savings Rates - March 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 Spanaway, Washington and the surrounding area include Americas Federal Credit Union ACUAmericas Federal Credit Union ACU17007 Pacific Ave S, Spanaway, WA 98387A+5.0 ★Texas Ratio: 3.49% Christmas Club Savings at 2.75% APY, Harborstone Credit UnionHarborstone Credit Union136 167th St S, Spanaway, WA 98387 8264A5.0 ★Texas Ratio: 7.16% IRA Savings at 1.01% APY, Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Savings Account 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 (Youth) Savings at 7.00% APY, and 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.
To see how these savings rates in Spanaway, 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 Spanaway, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Spanaway, Washington and the surrounding area. Last Updated and Verified: March 22, 2026
Spanaway, WA Savings Rate Trends
Compare local Spanaway, WA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — WA Avg
0.792%
▼ 0.759 from last week
Washington high-yield savings rates fell 0.759 points this week to 0.792% APY, down from 1.551% last week.
Standard Savings — WA Avg
0.549%
▼ 0.059 from last week
Washington standard savings rates fell 0.059 points this week to 0.549% APY, down from 0.607% last week.
As of Mar 23, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Spanaway, Washington & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
Christmas Club Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
136 167th St S, Spanaway, WA 98387 8264
IRA Savings
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
136 167th St S, Spanaway, WA 98387 8264
Holiday Savings
0.50%
$5
▼
Rate0.50%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
136 167th St S, Spanaway, WA 98387 8264
Minor Savings
0.50%
$5
▼
Rate0.50%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
Roth IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
Health Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
Teen Savings
0.15%
$1
▼
Rate0.15%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
IRA Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
136 167th St S, Spanaway, WA 98387 8264
Set-Aside Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
136 167th St S, Spanaway, WA 98387 8264
Business Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
17007 Pacific Ave S, Spanaway, WA 98387
Regular Share
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Savings Account
12.00%
$0
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 (Youth) Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500
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 22, 2026
Details
Qualifying balance up to $500.00
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—
UpdatedMar 16, 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 21, 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 22, 2026
Details
Qualifying balance up to $2500.00
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 21, 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
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $500.01
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 22, 2026
Details
One Per Member (Primary RS Savings only) for 5%
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 20, 2026
Details
Must be opened at a branch; 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%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 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 22, 2026
Details
Full Balance
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 22, 2026
Details
Qualifying balance up to $1,000.00
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 21, 2026
Details
Qualifying balance up to $1,000.00
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 20, 2026
Details
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 20, 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 20, 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
Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $5,000.00
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 20, 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 20, 2026
Details
Qualifying balance up to $10,000.00
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 22, 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 18, 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 17, 2026
Details
Qualifying balance up to $25,000.00
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Private Client Savings
3.40%
$0
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Private Business Savings
3.40%
$0
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
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 21, 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 18, 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 20, 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 22, 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 20, 2026
Details
Any balance below $250,000.01
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.63%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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 18, 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 15, 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 15, 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 15, 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 18, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Business Savings
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 18, 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 21, 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 18, 2026
Details
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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 Spanaway, 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 Spanaway, 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 Spanaway, 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 Spanaway, 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 Spanaway, 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 Spanaway, 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 Spanaway, Washington?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Spanaway, Washington offer in-person customer service, which some customers prefer.
How do I open a savings account in Spanaway, 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 Spanaway, Washington
Here are recent savings rates observed in Spanaway, Washington and the surrounding area:
- Americas Federal Credit Union ACU
Christmas Club Savings — 2.75% APY - Harborstone Credit Union
IRA Savings — 1.01% APY - Responders Emergency Services Credit Union
Savings Account — 12.00% APY - Whatcom Educational Credit Union
First Step (Youth) Savings — 7.00% APY - Alaska Air Group Federal Credit Union
Youth Savings — 6.14% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Spanaway, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 22, 2026
