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

Current rates for 1st Security Bank of Washington include: 12-Month CD: 2.50%, 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 & Review July 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 14, 2026

1st Security Bank of Washington's 15-Month Summer CD Special rates are at 3.90%, 180-Day CD rates are at 3.60%, 11-Month Risk Free CD rates are at 3.50%, 1-Year CD rates are at 3.25%, 180-Day CD rates are at 2.85%. 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 07/14/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

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
15-Month Summer CD Special	-	3.90%	15-Month
Details Available now through July 31, 2026. Relationship rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
180-Day CD	-	3.60%	180-day
Min Deposit $500 Details APY effective 6/15/2026 to 7/31/2026. Maximum CD amount is $240,000. Fees may reduce earnings. Early withdrawal penalty may apply. At maturity, the 15-month promotional CD will renew into the bank's 1-Year CD at the prevailing rate. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11-Month Risk Free CD	-	3.50%	11-Month
Min Deposit $500 Details APY effective 6/15/2026 to 7/31/2026. Maximum CD amount is $240,000. Fees may reduce earnings. Early withdrawal penalty may apply. At maturity, the 15-month promotional CD will renew into the bank's 1-Year CD at the prevailing rate. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1-Year CD	-	3.25%	1-Year
Min Deposit $500 Details APY effective 6/15/2026 to 7/31/2026. Maximum CD amount is $240,000. Fees may reduce earnings. Early withdrawal penalty may apply. At maturity, the 15-month promotional CD will renew into the bank's 1-Year CD at the prevailing rate. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
180-Day CD	-	2.85%	180-Day
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11-Month Risk Free CD	-	2.75%	11-Month
Min Deposit $25,000 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1-Year CD	-	2.50%	1-Year
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48-Month CD	-	2.25%	48-Month
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
30-Month CD	-	2.15%	30-Month
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
21-Month CD	-	2.05%	21-Month
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2-Year CD	-	2.00%	2-Year
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5-Year CD	-	1.90%	5-Year
Min Deposit $500 Details At maturity, this CD will renew into the Bank's 1-Year CD at the prevailing rate. Last Updated 07/14/2026 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%
Min Deposit $100 Details Qualifying balance up to $5,000.00 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Savings	-	5.00%
Min Deposit $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 or 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Student Savings	-	5.00%
Min Deposit $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 Savings or 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Savings	-	4.89%
Min Deposit $100 Min Balance $5,000 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. APY is current as of 02/21/23. 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. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Student Savings	-	4.89%
Min Deposit $25 Min Balance $5,000 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. APY is current as of 11/18/24. 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. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Nonprofit Savings	-	3.25%
Min Deposit $2,500 Details $100,000 and greater Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Nonprofit Savings	-	1.50%
Min Deposit $2,500 Details $50,000-$99,999.99 Last Updated 07/14/2026 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 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Optimum Savings	-	0.25%
Min Balance $5,000 Details APY 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Savings	-	0.25%
Min Deposit $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 or 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Optimum Student Savings	-	0.25%
Min Deposit $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 Savings or 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Youth Savings	-	0.10%
Min Deposit $5 Min Balance $0 Last Updated 07/14/2026 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 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Savings	-	0.01%
Min Deposit $500 Last Updated 07/14/2026 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 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	2.00%
Min Deposit $1,500 Details $1,000,000 and greater Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	2.00%
Min Deposit $1,500 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	1.50%
Min Deposit $1,500 Details $250,000-$999,999.99 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	1.50%
Min Deposit $1,500 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	1.25%
Min Deposit $1,500 Details $100,000-$249,999.99 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	1.00%
Min Deposit $1,500 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Tiered Rate Money Market	-	1.00%
Min Deposit $100 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.85%
Min Deposit $1,500 Details $25,000-$99,999.99 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	0.75%
Min Deposit $1,500 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Tiered Rate Money Market	-	0.75%
Min Deposit $100 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.65%
Min Deposit $1,500 Details $10,000-$24,999.99 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Tiered Rate Money Market	-	0.55%
Min Deposit $100 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
High Yield Money Market	-	0.50%
Min Deposit $1,500 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Money Market	-	0.46%
Min Deposit $1,500 Details up to $9,999.99 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Tiered Rate Money Market	-	0.35%
Min Deposit $100 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1st Rate Money Market	-	0.05%
Min Deposit $100,000 Details APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

1st Security Bank of Washington Checking Rates

Product	Rate	APY
1st Platinum Checking	-	0.05%
Min Deposit $100 Min Balance $2,500 Last Updated 07/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1st Platinum Checking	-	0.01%
Min Deposit $100 Min Balance $2,500 Last Updated 07/14/2026 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.
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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 04/01/2004

FDIC Insurance Date 04/01/2004

Domestic Offices 23

Total Branches 30

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.12%

Texas Ratio Nat'l avg: 5.85%

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

Total Branches and Offices 23

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

YipF

★★★★★

December 17, 2025

erAv

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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 30 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/.