What are the current interest rates at 1st Security Bank of Washington?

Current rates for 1st Security Bank of Washington include: 12-Month CD: 2.26%, 24-Month CD: 2.00%, 48-Month CD: 2.25%, 60-Month CD: 1.90%, Savings: 0.01%, MMA: 0.05%

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1st Security Bank of Washington Rates and Review March 2026

Item: 1st Security Bank of Washington
Rating: 4020
Author: YipF

Content reviewed by

Brian McKay

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1st Security Bank of Washington Deposit Rates

1st Security Bank of Washington's 180-Day CD rates are at 3.45%, 1-Year CD rates are at 3.25%, 11-Month Risk Free CD rates are at 3.01%, 180-Day Certificates of Deposit rates are at 2.70%, 1-Year Certificates of Deposit rates are at 2.50%. 1st Security Bank of Washington's savings rates are at 0.01%. 1st Security Bank of Washington's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of 1st Security Bank of Washington with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates were last updated on 03/04/2026.

1st Security Bank of Washington

Rate Updates and Availability

1st Security Bank of Washington money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Security Bank of Washington? Share your experience about 1st Security Bank of Washington by leaving a review below, or read customer reviews before you decide to use 1st Security Bank of Washington.

1st Security Bank of Washington Texas Ratio

1st Security Bank of Washington's Texas Ratio is at 2.12%, which is considered excellent. The Texas Ratio for 1st Security Bank of Washington is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Exceptional

Out of 5.0 Stars

1st Security Bank of Washington has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, 1st Security Bank of Washington is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Overall Health & Safety Grade

A+

Exceptional Health

Score: 99/100

1st Security Bank of Washington has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

2.26%

2.38%

18-Month CD

N/A

2.14%

24-Month CD

2.00%

2.17%

36-Month CD

N/A

2.11%

48-Month CD

2.25%

2.10%

60-Month CD

1.90%

2.23%

Savings

0.01%

0.60%

MMA

0.05%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Rates Last Updated: 03/04/2026

1st Security Bank of Washington

6920 220th St Sw
Mountlake Terrace, WA 98043

https://www.fsbwa.com/

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCEPTIONAL

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1st Security Bank of Washington CD Rates

Product	Rate	APY	Term
180-Day CD	-	3.45%	180-day
Min Deposit$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1-Year CD	-	3.25%	1-Year
Min Deposit$500 DetailsVisit your local branch or open online today. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11-Month Risk Free CD	-	3.01%	11-Month
Min Deposit$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
180-Day Certificates of Deposit	-	2.70%	180-Day
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1-Year Certificates of Deposit	-	2.50%	1-Year
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11-Month Risk Free CD	-	2.26%	11-Month
Min Deposit$25,000 DetailsTotal balance plus interest earned may be withdrawn to close the CD without penalty seven days or later after the account was opened and funded. Partial withdrawal of principal is not permitted. Opening account balance cannot exceed $240,000 per account. Current customers may open this account by logging in to online banking. Non-customers must visit their local branch to open this account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48-Month Certificates of Deposit	-	2.25%	48-Month
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
30-Month Certificates of Deposit	-	2.15%	30-Month
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
21-Month Certificates of Deposit	-	2.05%	21-Month
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2-Year Certificates of Deposit	-	2.00%	2-Year
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5-Year Certificates of Deposit	-	1.90%	5-Year
Min Deposit$500 DetailsEarly withdrawal penalty may apply. Opening account balance cannot exceed $240,000 per account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

1st Security Bank of Washington Savings Rates

Product	Rate	APY
Business Optimum Savings	-	5.00%
Detailsfor the first $5,000 then .25% for $5,000.01 and higher; To open the Business Optimum Savings account and avoid the monthly service charge the business must maintain an active business checking account. Limit one Business Optimum Savings account per legal entity ownership of each business checking account. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Savings	-	5.00%
Min Deposit$100 DetailsEarns 5.00% to 0.25%; To open the Optimum Savings account and avoid a monthly service charge the customer must maintain a 1st Security Bank Checking account and perform a one-time minimum $100 transfer from this checking account to the Optimum Savings account at least once a month. Limit one Optimum Savings account per primary tax owner of each 1st Security Bank checking account. 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. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Student Savings	-	5.00%
Min Deposit$25 DetailsEarns 5.00% to 0.25%; To open the Optimum Student Savings account and avoid a monthly service charge the customer must maintain a 1st Security Bank 1st Gold Student Checking account and perform a one-time minimum $25 transfer from this checking account to the Optimum Student Savings account at least once a month. Limit one Optimum Student Savings account per primary tax owner of each 1st Security Bank 1st Gold Student checking account. 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. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Nonprofit Savings	-	3.25%
Min Deposit$2,500 Min Balance$100,000 Details$100,000 and greater; Relationship Account required. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Nonprofit Savings	-	1.50%
Min Deposit$2,500 Min Balance$50,000 Details$50,000-$99,999.99; Relationship Account required. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Nonprofit Savings	-	1.00%
Min Deposit$2,500 Details$0-$49,999.99; Relationship Account required. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Youth Savings	-	0.10%
Min Deposit$5 Min Balance$0 DetailsMust be opened at a branch Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Preferred Savings	-	0.05%
Min Deposit$100 Min Balance$300 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Savings	-	0.01%
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

1st Security Bank of Washington Money Market Rates

Product	Rate	APY
1st Rate Money Market	-	3.15%
Min Deposit$100,000 DetailsOpening account balance cannot exceed $240,000 per account. Current customers may open this account by logging in to online banking. Non-customers must visit their local branch to open this account. Minimum opening deposit for the 1st Rate Money Market requires $50,000 in new money and can be combined with other funds on deposit at the bank. New money is defined as funds from another institution. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	2.00%
Min Deposit$1,500 Min Balance$1,000,000 Details$1,000,000 and greater Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	1.50%
Min Deposit$1,500 Min Balance$250,000 Details$250,000-$999,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	1.25%
Min Deposit$1,500 Min Balance$100,000 Details$100,000-$249,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.85%
Min Deposit$1,500 Min Balance$25,000 Details$25,000-$99,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.65%
Min Deposit$1,500 Min Balance$10,000 Details$10,000-$24,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	0.50%
Min Deposit$1,500 DetailsEarns 0.50% APY on balances up to $4,999.99; 0.75% APY on balances $5,000-$99,999.99; 1.00% APY on balances $100,000-$249,999.99; 1.50% APY on balances $250,000-$999,999.99; 2.00% APY on balances $1,000,000 and greater. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.46%
Min Deposit$1,500 Detailsup to $9,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Tiered Rate Money Market	-	0.35%
Min Deposit$100 DetailsEarns 0.35% APY on balances up to $4,999.99; 0.55% APY on balances $5,000-$49,999.99; 0.75% APY on balances $50,000-$99,999.99; 1.00% APY on balances $100,000 and greater. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1st Rate Money Market	-	0.05%
Min Deposit$100,000 DetailsOpening account balance cannot exceed $240,000 per account. Current customers may open this account by logging in to online banking. Non-customers must visit their local branch to open this account. Minimum opening deposit for the 1st Rate Money Market requires $50,000 in new money and can be combined with other funds on deposit at the bank. New money is defined as funds from another institution. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st Security Bank of Washington is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st Security Bank of Washington rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Security Bank of Washington's official website for the most current offers and terms.

Bank Profile & Overview

1st Security Bank of Washington

6920 220th St Sw
Mountlake Terrace, WA 98043
Snohomish
Established Date: 04/01/2004
FDIC Certificate #: 57633
Date of FDIC Deposit Insurance: 04/01/2004

Bank Holding Company: FS BCORP INC

How Many Domestic U.S. Offices? 23

How Many Branches are There? 30

Website: https://www.fsbwa.com/

Is 1st Security Bank of Washington FDIC Insured? Yes

What is 1st Security Bank of Washington's Cert number? 57633

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

MonitorBankRates Star Rating:

5.0 / 5.0 ★

Overall Health & Safety Grade:

A+ (99/100)

Texas Ratio:

2.12%

Return on Assets (ROA):

1.3116%

Return on Equity (ROE):

12.9300%

Non-Performing Loans (NPL):

0.18%

Total Assets:

$3,196,183,000

Total Deposits:

$2,691,384,000

Equity Capital:

$349,514,000

Net Income:

$35,635,000

Headquarters:

Mountlake Terrace

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

YipF

★★★★★

December 17, 2025

erAv

Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About 1st Security Bank of Washington

How do I open an account at 1st Security Bank of Washington?

You can typically open an account at 1st Security Bank of Washington by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, 1st Security Bank of Washington provides a range of mortgage and home equity products.

Is 1st Security Bank of Washington a safe place to deposit money?

Yes, 1st Security Bank of Washington is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.