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1st Security Bank of Washington Rates & Review November 2026

Q: 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: 5.00%, MMA: 3.15%

Q: What CD terms does 1st Security Bank of Washington offer?

1st Security Bank of Washington CD rates are 3.50% APY for an 11 month CD, 4.17% APY for a 12 month CD, 3.60% APY for a 21 month CD, 2.00% APY for a 2 year CD, 2.25% APY for a 4 year CD and 1.90% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Security Bank of Washington for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

1st Security Bank of Washington's 1-Year CD rates are at 4.17%, CD - 1-Year - Relationship rates are at 4.17%, CD - 21-Month - Relationship rates are at 3.60%, 11-Month Risk Free CD rates are at 3.50%, CD - 11-Month Risk Free CD - Relationship rates are at 3.50%. 1st Security Bank of Washington's savings rates are at 5.00%. 1st Security Bank of Washington's money market rates are at 3.15%. 1st Security Bank of Washington's checking rates are as high as 0.05%. 1st Security Bank of Washington's top CD rate of 4.17% APY on a 12 month CD is 37% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. 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 11/07/2026.

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/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

1st Security Bank of Washington CD Rates

Product	Rate	APY	Term	Min. Deposit
1-Year CD	-	4.17%	1 year	$500
Min Deposit $500 Details Featured certificate; earn up to 4.17% APY; APY effective 10/13/2026; minimum opening deposit required $500, maximum CD amount $240,000; early withdrawal penalty may apply Last Updated 11/07/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85% Oct 14, 20264.17%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 1-Year - Relationship	-	4.17%	1-Year	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 4.17% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
180-Day CD	-	3.75%	180 days	$500
Min Deposit $500 Details Featured certificate; earn up to 3.75% APY; APY effective 10/13/2026; minimum opening deposit required $500, maximum CD amount $240,000; early withdrawal penalty may apply Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 180-Day - Relationship	-	3.75%	180-Day	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 21-Month - Relationship	-	3.60%	21-Month	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
11-Month Risk Free CD	-	3.50%	11 months	$500
Min Deposit $500 Details Featured certificate; risk free CD; savings up to 3.50% APY; APY effective 10/13/2026; minimum opening deposit required $500, maximum CD amount $240,000; early withdrawal penalty may apply Last Updated 11/07/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 2.75% Oct 23, 20263.50%▲ from 2.75% Oct 15, 20262.75%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 11-Month Risk Free CD - Relationship	-	3.50%	11-Month	$25,000
Min Deposit $25,000 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Total balance plus interest may be withdrawn without penalty seven days or later after account opened and funded; Partial withdrawal of principal not permitted; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 1-Year	-	3.42%	1-Year	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 180-Day	-	3.00%	180-Day	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 48-Month - Relationship	-	3.00%	48-Month	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 30-Month - Relationship	-	2.90%	30-Month	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 21-Month	-	2.85%	21-Month	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 11-Month Risk Free CD	-	2.75%	11-Month	$25,000
Min Deposit $25,000 Details Total balance plus interest may be withdrawn without penalty seven days or later after account opened and funded; Partial withdrawal of principal not permitted; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 2-Year - Relationship	-	2.75%	2-Year	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 5-Year - Relationship	-	2.65%	5-Year	$500
Min Deposit $500 Details Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 48-Month	-	2.25%	48-Month	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 30-Month	-	2.15%	30-Month	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 2-Year	-	2.00%	2-Year	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
CD - 5-Year	-	1.90%	5-Year	$500
Min Deposit $500 Details Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Savings Rates

Product	Rate	APY
Optimum Savings	-	5.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$5,000; Relationship account required Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
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; Relationship account required Last Updated 11/07/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 5.00% ▲ 4.75 pts · high 5.00% / low 0.25% Oct 8, 20265.00%▲ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Student Savings	-	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0-$5,000; Must be opened at a branch; Must maintain an active 1st Gold Student Checking account Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Optimum Student Savings	-	5.00%
Min Deposit $25 Min Balance $5,000 Details Published APY range: 5.00% to 0.25%. Balance: $5,000.01 and greater; Must be opened at a branch; Must maintain an active 1st Gold Student Checking account Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Nonprofit Savings	-	3.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and greater; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Nonprofit Savings	-	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Nonprofit Savings	-	1.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0-$49,999.99; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 4 times 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 11/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Preferred Savings	-	0.05%
Min Deposit $100 Min Balance $300 Details Relationship account required Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Business Savings Rates

Product	Rate	APY
Business Optimum Savings	-	5.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$5,000; Variable rate tier; Requires relationship account; Minimum daily balance to avoid service charge: NA Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 5.00% APY · checked 11 times 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; Variable rate tier; Requires relationship account; Minimum daily balance to avoid service charge: NA Last Updated 11/07/2026 Rate History 4 changes since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 0.25% Oct 28, 20265.00%▲ from 0.25% Oct 23, 20260.25%▼ from 5.00% Sep 28, 20265.00%▲ from 0.25% Sep 20, 20260.25%▼ from 5.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Savings	-	2.00%
Min Deposit $500 Details Requires relationship account Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 2.00% APY · checked 4 times 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; Minimum daily balance to avoid service charge: $100,000; Minimum opening deposit requires $50,000 in new money (funds from another institution) and can be combined with other funds on deposit at the bank Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 13 times 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 $1,000,000 Details Balance: $1,000,000 and greater; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 8 times 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 $250,000 Details Balance: $250,000-$999,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 8 times 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 $100,000 Details Balance: $100,000-$249,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	1.00%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and greater; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 8 times 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 $5,000 Details Balance: $5,000-$99,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.75%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.55%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000-$49,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.55% APY · checked 8 times 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 $0 Details Balance: up to $4,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Tiered Rate Money Market	-	0.35%
Min Deposit $100 Min Balance $0 Details Balance: up to $4,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times 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 $0 Details Balance: up to $99,999.99; Minimum daily balance to avoid service charge: $100,000; Minimum opening deposit requires $50,000 in new money (funds from another institution) and can be combined with other funds on deposit at the bank Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%

1st Security Bank of Washington Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.00%
Min Deposit $1,500 Min Balance $1,000,000 Details Balance: $1,000,000 and greater; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 12 times 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; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 12 times 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; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.25% APY · checked 12 times 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; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 12 times 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; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
Business Money Market	-	0.46%
Min Deposit $1,500 Min Balance $0 Details Balance: up to $9,999.99; Minimum daily balance to avoid service charge: $1,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.46% APY · checked 6 times 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 $50,000 Details Balance: $50,000-$99,999.99; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1st Platinum Checking	-	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and greater; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times 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; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1st Platinum Checking	-	0.01%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000-$9,999.99; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.31%
1st Platinum Checking	-	0.01%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Minimum daily balance to avoid service charge: $2,500 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 6 times 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 11/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times 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 1.52% 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	5.10%	5.0	A+
December 31, 2025	$3.2B	5.32%	5.0	A+
September 30, 2025	$3.2B	5.24%	5.0	A+
June 30, 2025	$3.2B	5.13%	5.0	A+
March 31, 2025	$3.1B	3.89%	5.0	A+
December 31, 2024	$3.0B	3.70%	5.0	A+
September 30, 2024	$3.0B	2.78%	5.0	A+
June 30, 2024	$2.9B	3.02%	5.0	A+
March 31, 2024	$3.0B	3.19%	5.0	A+
December 31, 2023	$3.0B	2.95%	5.0	A+
September 30, 2023	$2.9B	1.52%	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

Bank Name 1st Security Bank of Washington

Website https://www.fsbwa.com/

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

Bank Holding Company FS BCORP INC

FDIC Certificate # 57633

Regulator FDIC

Established April 1, 2004

FDIC Insurance Date April 1, 2004

Domestic Offices 31

Total Branches 34

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.31%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0931%

Return on Equity (ROE)

9.8100%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

1st Security Bank of Washington earned the Verified Healthy badge

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Frequently Asked Questions About 1st Security Bank of Washington

Does 1st Security Bank of Washington offer CDs?

Yes. 1st Security Bank of Washington current CD rates include its 1-Year CD at 4.17% APY, its CD - 1-Year - Relationship at 4.17% APY and its CD - 21-Month - Relationship at 3.60% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from 1st Security Bank of Washington FDIC insured?

Yes. 1st Security Bank of Washington is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 1st Security Bank of Washington?

The highest 1st Security Bank of Washington CD rate is its 1-Year CD at 4.17% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does 1st Security Bank of Washington offer?

1st Security Bank of Washington CD rates are 3.50% APY for an 11 month CD, 4.17% APY for a 12 month CD, 3.60% APY for a 21 month CD, 2.00% APY for a 2 year CD, 2.25% APY for a 4 year CD and 1.90% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Security Bank of Washington for its full lineup.

What is the highest savings rate at 1st Security Bank of Washington?

The highest 1st Security Bank of Washington savings rate is its Business Optimum Savings at 5.00% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at 1st Security Bank of Washington?

The highest 1st Security Bank of Washington money market rate is its 1st Rate Money Market at 3.15% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at 1st Security Bank of Washington?

The highest 1st Security Bank of Washington checking rate is its 1st Platinum Checking at 0.05% APY, verified by MonitorBankRates as of November 7, 2026.

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/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 1st Security Bank of Washington rates compare?

1st Security Bank of Washington's top CD rate of 4.17% APY on a 12 month CD is 37% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. 1st Security Bank of Washington's top rates are its 1 year 1-Year CD at 4.17% APY, its Business Optimum Savings at 5.00% APY, its 1st Rate Money Market at 3.15% APY and its 1st Platinum Checking at 0.05% APY, verified by MonitorBankRates on November 7, 2026.

Current 1st Security Bank of Washington Rates

12-Month CD2.75%
24-Month CD2.00%
48-Month CD2.25%
60-Month CD1.90%
Savings5.00%
MMA3.15%

Retrieved from our database of financial products. Rates subject to change.

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1st Security Bank of Washington Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

1st Security Bank of Washington Texas Ratio

1st Security Bank of Washington Health Trend

1st Security Bank of Washington CD Rates

1st Security Bank of Washington Savings Rates

1st Security Bank of Washington Business Savings Rates

1st Security Bank of Washington Money Market Rates

1st Security Bank of Washington Business Money Market Rates

1st Security Bank of Washington Checking Rates

1st Security Bank of Washington Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

1st Security Bank of Washington earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 1st Security Bank of Washington

Does 1st Security Bank of Washington offer CDs?

Are CDs from 1st Security Bank of Washington FDIC insured?

What is the highest CD rate at 1st Security Bank of Washington?

What CD terms does 1st Security Bank of Washington offer?

What is the highest savings rate at 1st Security Bank of Washington?

What is the highest money market rate at 1st Security Bank of Washington?

What is the highest checking rate at 1st Security Bank of Washington?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 1st Security Bank of Washington rates compare?

Current 1st Security Bank of Washington Rates

Compare to Other Banks