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

Current rates for 1st Security Bank of Washington include: 12-Month CD: 2.75%, 24-Month CD: 2.00%, 48-Month CD: 2.25%, 60-Month CD: 1.90%, Savings: 0.05%, MMA: 0.05%

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1st Security Bank of Washington

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1st Security Bank of Washington Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Security Bank of Washington provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

1st Security Bank of Washington's 1-Year CD rates are at 3.85%, 180-Day CD rates are at 3.75%, 11-Month Risk Free CD rates are at 3.50%, 1-Year Certificate of Deposit rates are at 3.10%, 180-Day Certificate of Deposit rates are at 3.00%. 1st Security Bank of Washington's savings rates are at 0.05%. 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 4.31%. Rates last updated and verified on 09/20/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.31%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1st Security Bank of Washington

6920 220th St Sw
Mountlake Terrace, WA 98043

https://www.fsbwa.com/

1st Security Bank of Washington CD Rates

Product	Rate	APY	Term
1-Year CD	-	3.85%	1-Year
Min Deposit $500 Details APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
180-Day CD	-	3.75%	180-Day
Min Deposit $500 Details APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
11-Month Risk Free CD	-	3.50%	11-Month
Min Deposit $500 Details APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1-Year Certificate of Deposit	-	3.10%	1-Year
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
180-Day Certificate of Deposit	-	3.00%	180-Day
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
21-Month Certificate of Deposit	-	2.85%	21-Month
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
11-Month Risk Free CD	-	2.75%	11-Month
Min Deposit $25,000 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
48-Month Certificate of Deposit	-	2.25%	48-Month
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
30-Month Certificate of Deposit	-	2.15%	30-Month
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
2-Year Certificate of Deposit	-	2.00%	2-Year
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
5-Year Certificate of Deposit	-	1.90%	5-Year
Min Deposit $500 Details APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL 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. 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. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Savings Rates

Product	Rate	APY
Business Optimum Savings	-	5.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Optimum Savings	-	5.00%
Min Deposit $100 Min Balance $5,000 Details Published APY range: 5.00% to 0.25%. Balance: $5,000.01 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Optimum Savings	-	5.00%
Min Balance $0 Details Balance: $0.00 - $5,000.00; APY (Annual Percentage Yield) is current as of 8/1/2025. Rates are subject to change daily. Fees may reduce earnings on your account. Consumer accounts are not eligible for this offer. 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. The Earnings Credit Allowance is the total dollar value of credit that can be used to offset the service charges incurred during the analysis period. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Savings	4.89%	5.00%
Min Deposit $100 Min Balance $100 Details 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Savings	-	5.00%
Min Deposit $100 Details Balance: $0-$5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Student Savings	4.89%	5.00%
Min Deposit $25 Min Balance $25 Details 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Student Savings	-	5.00%
Min Deposit $25 Details Must be opened at a branch; Balance: $0-$5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Nonprofit Savings	-	3.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Savings	-	2.00%
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Nonprofit Savings	-	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Nonprofit Savings	-	1.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0-$49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Optimum Savings	-	0.25%
Min Balance $5,000 Details Balance: $5,000.01 and higher; APY (Annual Percentage Yield) is current as of 8/1/2025. Rates are subject to change daily. Fees may reduce earnings on your account. Consumer accounts are not eligible for this offer. 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. The Earnings Credit Allowance is the total dollar value of credit that can be used to offset the service charges incurred during the analysis period. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Savings	0.25%	0.25%
Min Deposit $100 Min Balance $5,001 Details 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Student Savings	0.25%	0.25%
Min Deposit $25 Min Balance $5,001 Details 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Youth Savings	-	0.10%
Min Deposit $5 Min Balance $0 Details Must be opened at a branch Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Preferred Savings	-	0.05%
Min Deposit $100 Min Balance $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Money Market Rates

Product	Rate	APY
1st Rate Money Market	-	3.15%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	2.00%
Min Deposit $1,500 Min Balance $1,000,000 Details Balance: $1,000,000 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
High Yield Money Market	-	2.00%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,000,000 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	1.50%
Min Deposit $1,500 Min Balance $250,000 Details Balance: $250,000-$999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
High Yield Money Market	-	1.50%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $250,000-$999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	1.25%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
High Yield Money Market	-	1.00%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $100,000-$249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	1.00%
Min Deposit $100 Min Balance $1,500 Details Balance: $100,000 and greater Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	0.85%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
High Yield Money Market	-	0.75%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $5,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.75%
Min Deposit $100 Min Balance $1,500 Details Balance: $50,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	0.65%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.55%
Min Deposit $100 Min Balance $1,500 Details Balance: $5,000-$49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
High Yield Money Market	-	0.50%
Min Deposit $1,500 Min Balance $1,500 Details Balance: up to $4,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	0.46%
Min Deposit $1,500 Min Balance $1,500 Details Balance: up to $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.35%
Min Deposit $100 Min Balance $1,500 Details Balance: up to $4,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1st Rate Money Market	-	0.05%
Min Deposit $100,000 Min Balance $100,000 Details Balance: up to $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Checking Rates

Product	Rate	APY
1st Platinum Checking	-	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $50,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1st Platinum Checking	-	0.01%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500-$4,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Other Rates

Product	Rate	Points	APY/APR	Term	View More
Uniform Transfer to Minors	-	-	0.10%
Min Deposit $50 Min Balance $0 Details Must be opened in-branch Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

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.
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Financial Health History

1st Security Bank of Washington’s Texas Ratio rose from 2.12% in Q3 2023 to 4.31% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.2B	4.31%	5.0	A+
March 31, 2026	$3.2B	5.15%	5.0	A+
December 31, 2025	$3.2B	5.36%	5.0	A+
September 30, 2025	$3.2B	5.29%	5.0	A+
June 30, 2025	$3.2B	5.51%	5.0	A+
March 31, 2025	$3.1B	4.23%	5.0	A+
December 31, 2024	$3.0B	4.04%	5.0	A+
September 30, 2024	$3.0B	3.25%	5.0	A+
June 30, 2024	$2.9B	3.49%	5.0	A+
March 31, 2024	$3.0B	3.80%	5.0	A+
December 31, 2023	$3.0B	3.58%	5.0	A+
September 30, 2023	$2.9B	2.12%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

Institution Name 1st Security Bank of Washington

Bank Holding Company FS BCORP INC

Address 6920 220th St Sw, Mountlake Terrace, WA 98043 · Snohomish

Website https://www.fsbwa.com/

FDIC Certificate # 57633

Established 20040401

FDIC Insurance Date 20040401

Domestic Offices 31

Total Branches 34

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.31%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0931%

Return on Equity (ROE) 9.8100%

Non-Performing Loans (NPL) 0.49%

Total Assets $3,178,672,000

Total Deposits $2,465,359,000

Equity Capital $362,933,000

Net Income $17,450,000

Headquarters Mountlake Terrace

Total Branches and Offices 31

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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Frequently Asked Questions About 1st Security Bank of Washington

How many branches does 1st Security Bank of Washington operate?

1st Security Bank of Washington currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 1st Security Bank of Washington does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Security Bank of Washington provides members with tools to manage their accounts and build a solid financial history.

Does 1st Security Bank of Washington offer online and mobile banking?

Most modern institutions like 1st Security Bank of Washington provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbwa.com/.