What are the current interest rates at Bank of the Pacific?

Current rates for Bank of the Pacific include: 12-Month CD: 0.30%, 18-Month CD: 0.75%, 24-Month CD: 0.50%, 36-Month CD: 0.50%, 48-Month CD: 0.35%, Savings: 0.04%, MMA: 2.69%

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Bank of the Pacific Rates & Review November 2026

Q: What CD terms does Bank of the Pacific offer?

Bank of the Pacific CD rates are 3.05% APY for an 8 month CD, 3.56% APY for a 12 month CD, 2.28% APY for a 17 month CD, 0.75% APY for an 18 month CD, 1.01% APY for a 23 month CD, 0.50% APY for a 2 year CD, 0.50% APY for a 35 month CD, 0.50% APY for a 3 year CD and 0.35% APY for a 4 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of the Pacific for its full lineup.

Q: How many branches does Bank of the Pacific operate?

Bank of the Pacific currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Bank of the Pacific's 12-Months 9-Month Short-Term Consumer CD rates are at 3.56%, 8-Months 6-Month Short-Term Consumer CD rates are at 3.05%, 17-Months 13-Month Mid-Term Consumer CD rates are at 2.28%, 23-Months 18-Month Mid-Term Consumer CD rates are at 1.01%, 35-Months 24-Month Mid-Term Consumer CD rates are at 0.50%. Bank of the Pacific's savings rates are at 0.04%. Bank of the Pacific's money market rates are at 2.69%. Bank of the Pacific's checking rates are as high as 0.07%. Bank of the Pacific's Credit Card Rates are at 12.00%. Bank of the Pacific's top CD rate of 3.56% APY on a 9 month CD is 22% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bank of the Pacific with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates last updated and verified on 11/05/2026.

Bank of the Pacific 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 Bank of the Pacific? Share your experience about Bank of the Pacific by leaving a review below, or read customer reviews before you decide to use Bank of the Pacific.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank of the Pacific

300 E Market St
Aberdeen, WA 98520

https://www.bankofthepacific.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.

Bank of the Pacific CD Rates

Product	Rate	APY	Term	Min. Deposit
9-Month Short-Term Consumer CD	3.50%	3.56%	9 Months - 12 Months	-
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
9-Month Short-Term Consumer CD	3.50%	3.56%	9 Months - 12 Months	-
Min Balance $250,000 Details Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6-Month Short-Term Consumer CD	3.00%	3.05%	6 Months - 8 Months	-
Min Balance $250,000 Details Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
9-Month Short-Term Consumer CD	3.00%	3.05%	9 Months - 12 Months	-
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6-Month Short-Term Consumer CD	2.75%	2.79%	6 Months - 8 Months	-
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
9-Month Short-Term Consumer CD	2.75%	2.79%	9 Months - 12 Months	-
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
9-Month Short-Term Consumer CD	2.75%	2.79%	9 Months - 12 Months	-
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6-Month Short-Term Consumer CD	2.50%	2.53%	6 Months - 8 Months	-
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
13-Month Mid-Term Consumer CD	2.25%	2.28%	13 Months - 17 Months	-
Min Balance $250,000 Details Term: 13 Months - 17 Months; Balance: $250,000.00+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6-Month Short-Term Consumer CD	2.25%	2.28%	6 Months - 8 Months	-
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6-Month Short-Term Consumer CD	2.25%	2.28%	6 Months - 8 Months	-
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
13-Month Mid-Term Consumer CD	2.00%	2.02%	13 Months - 17 Months	-
Min Balance $100,000 Details Term: 13 Months - 17 Months; Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
13-Month Mid-Term Consumer CD	1.75%	1.77%	13 Months - 17 Months	-
Min Balance $50,000 Details Term: 13 Months - 17 Months; Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.77% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
13-Month Mid-Term Consumer CD	1.50%	1.51%	13 Months - 17 Months	-
Min Balance $500 Details Term: 13 Months - 17 Months; Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
13-Month Mid-Term Consumer CD	1.50%	1.51%	13 Months - 17 Months	-
Min Balance $25,000 Details Term: 13 Months - 17 Months; Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18-Month Mid-Term Consumer CD	1.00%	1.01%	18 Months - 23 Months	-
Min Balance $100,000 Details Term: 18 Months - 23 Months; Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18-Month Mid-Term Consumer CD	1.00%	1.01%	18 Months - 23 Months	-
Min Balance $250,000 Details Term: 18 Months - 23 Months; Balance: $250,000.00+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18-Month Mid-Term Consumer CD	0.75%	0.75%	18 Months - 23 Months	-
Min Balance $500 Details Term: 18 Months - 23 Months; Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18-Month Mid-Term Consumer CD	0.75%	0.75%	18 Months - 23 Months	-
Min Balance $25,000 Details Term: 18 Months - 23 Months; Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18-Month Mid-Term Consumer CD	0.75%	0.75%	18 Months - 23 Months	-
Min Balance $50,000 Details Term: 18 Months - 23 Months; Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24-Month Mid-Term Consumer CD	0.50%	0.50%	24 Months - 35 Months	-
Min Balance $500 Details Term: 24 Months - 35 Months; Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24-Month Mid-Term Consumer CD	0.50%	0.50%	24 Months - 35 Months	-
Min Balance $25,000 Details Term: 24 Months - 35 Months; Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24-Month Mid-Term Consumer CD	0.50%	0.50%	24 Months - 35 Months	-
Min Balance $50,000 Details Term: 24 Months - 35 Months; Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24-Month Mid-Term Consumer CD	0.50%	0.50%	24 Months - 35 Months	-
Min Balance $100,000 Details Term: 24 Months - 35 Months; Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24-Month Mid-Term Consumer CD	0.50%	0.50%	24 Months - 35 Months	-
Min Balance $250,000 Details Term: 24 Months - 35 Months; Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36-Month Long-Term Consumer CD	0.50%	0.50%	36 Months - 47 Months	$500
Min Deposit $500 Details Term: 36 Months - 47 Months; Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36-Month Long-Term Consumer CD	0.50%	0.50%	36 Months - 47 Months	$25,000
Min Deposit $25,000 Details Term: 36 Months - 47 Months; Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36-Month Long-Term Consumer CD	0.50%	0.50%	36 Months - 47 Months	$50,000
Min Deposit $50,000 Details Term: 36 Months - 47 Months; Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36-Month Long-Term Consumer CD	0.50%	0.50%	36 Months - 47 Months	$100,000
Min Deposit $100,000 Details Term: 36 Months - 47 Months; Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36-Month Long-Term Consumer CD	0.50%	0.50%	36 Months - 47 Months	$250,000
Min Deposit $250,000 Details Term: 36 Months - 47 Months; Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1-Month Short-Term Consumer CD	0.40%	0.40%	1 Month - 5 Months	-
Min Balance $250,000 Details Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60+ month Long-Term Consumer CD	0.40%	0.40%	60+ Months	$500
Min Deposit $500 Details Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60+ month Long-Term Consumer CD	0.40%	0.40%	60+ Months	$25,000
Min Deposit $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60+ month Long-Term Consumer CD	0.40%	0.40%	60+ Months	$50,000
Min Deposit $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60+ month Long-Term Consumer CD	0.40%	0.40%	60+ Months	$100,000
Min Deposit $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60+ month Long-Term Consumer CD	0.40%	0.40%	60+ Months	$250,000
Min Deposit $250,000 Details Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1-Month Short-Term Consumer CD	0.35%	0.35%	1 Month - 5 Months	-
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48-Month Long-Term Consumer CD	0.35%	0.35%	48 Months - 59 Months	$500
Min Deposit $500 Details Term: 48 Months - 59 Months; Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48-Month Long-Term Consumer CD	0.35%	0.35%	48 Months - 59 Months	$25,000
Min Deposit $25,000 Details Term: 48 Months - 59 Months; Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48-Month Long-Term Consumer CD	0.35%	0.35%	48 Months - 59 Months	$50,000
Min Deposit $50,000 Details Term: 48 Months - 59 Months; Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48-Month Long-Term Consumer CD	0.35%	0.35%	48 Months - 59 Months	$100,000
Min Deposit $100,000 Details Term: 48 Months - 59 Months; Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48-Month Long-Term Consumer CD	0.35%	0.35%	48 Months - 59 Months	$250,000
Min Deposit $250,000 Details Term: 48 Months - 59 Months; Balance: $250,000+ Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12-Month Bear at the Bank CD - Children	0.30%	0.30%	12 Months	$100
Min Deposit $100 Min Balance $100 Details Balance: $100 - $24,999 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12-Month Bear at the Bank CD - Children	0.30%	0.30%	12 Months	$100
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12-Month Bear at the Bank CD - Children	0.30%	0.30%	12 Months	$100
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12-Month Bear at the Bank CD - Children	0.30%	0.30%	12 Months	$100
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12-Month Bear at the Bank CD - Children	0.30%	0.30%	12 Months	$100
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1-Month Short-Term Consumer CD	0.25%	0.25%	1 Month - 5 Months	-
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1-Month Short-Term Consumer CD	0.25%	0.25%	1 Month - 5 Months	-
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1-Month Short-Term Consumer CD	0.15%	0.15%	1 Month - 5 Months	-
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Bank of the Pacific Savings Rates

Product	Rate	APY
Essential Savings Account	0.04%	0.04%
Min Deposit $25 Min Balance $300 Details Balance: $300.00 minimum daily balance to earn APY; $9 quarterly service fee if minimum daily balance falls below $300; Interest compounded daily and credited quarterly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.04% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Youth Savings Account	0.03%	0.03%
Min Deposit $25 Details Age qualification: up to 17 years old; Interest is compounded daily and credited quarterly; No minimum daily balance to obtain disclosed APY; No quarterly service fee Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Bank of the Pacific Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	-	2.69%
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 2.69% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Bank of the Pacific Checking Rates

Product	Rate	APY
Pacific Premier Checking	0.07%	0.07%
Min Deposit $1,000 Min Balance $250,000 Details Balance: over $249,999.99; Minimum Daily Balance to Earn APY: $250,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.07% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Pacific Premier Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Minimum Daily Balance to Earn APY: $100,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Pacific Premier Checking	0.04%	0.04%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Minimum Daily Balance to Earn APY: $50,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.04% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Pacific Premier Checking	0.02%	0.02%
Min Deposit $1,000 Details Balance: $0.00 - $49,999.99; Minimum Daily Balance to Earn APY: N/A Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.02% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Bank of the Pacific Credit Card Rates

Product	Rate	APR	View More
Pacific Business Rewards Visa	-	12.00%
Details As Low As Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 12.00% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

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.

Financial Health History

Bank of the Pacific’s Texas Ratio fell from 1.03% in Q3 2023 to 0.20% 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	$1.3B	0.20%	5.0	A+
March 31, 2026	$1.3B	0.48%	5.0	A+
December 31, 2025	$1.3B	0.09%	5.0	A+
September 30, 2025	$1.3B	0.27%	5.0	A+
June 30, 2025	$1.2B	0.36%	5.0	A+
March 31, 2025	$1.2B	0.95%	5.0	A+
December 31, 2024	$1.2B	0.87%	5.0	A+
September 30, 2024	$1.2B	0.85%	5.0	A+
June 30, 2024	$1.1B	1.08%	5.0	A+
March 31, 2024	$1.1B	1.20%	5.0	A+
December 31, 2023	$1.1B	0.52%	5.0	A+
September 30, 2023	$1.2B	1.03%	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 Bank of the Pacific 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 Bank of the Pacific 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 Bank of the Pacific's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of the Pacific

Website https://www.bankofthepacific.com

Address 300 E Market St, Aberdeen, WA 98520 · Grays Harbor

Bank Holding Company PACIFIC FINANCIAL CORP

FDIC Certificate # 23041

Regulator FDIC

Established December 26, 1979

FDIC Insurance Date December 26, 1979

Domestic Offices 20

Total Branches 20

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.20%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0872%

Return on Equity (ROE)

9.9800%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

$1,263,711,000

Total Deposits

$1,113,288,000

Equity Capital

$138,856,000

Net Income

$6,936,000

Headquarters

Aberdeen

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank of the Pacific earned the Verified Healthy badge

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Frequently Asked Questions About Bank of the Pacific

Does Bank of the Pacific offer CDs?

Yes. Bank of the Pacific current CD rates include its 12-Months 9-Month Short-Term Consumer CD at 3.56% APY, its 8-Months 6-Month Short-Term Consumer CD at 3.05% APY and its 17-Months 13-Month Mid-Term Consumer CD at 2.28% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank of the Pacific FDIC insured?

Yes. Bank of the Pacific 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 Bank of the Pacific?

The highest Bank of the Pacific CD rate is its - 12-Months 9-Month Short-Term Consumer CD at 3.56% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank of the Pacific offer?

Bank of the Pacific CD rates are 3.05% APY for an 8 month CD, 3.56% APY for a 12 month CD, 2.28% APY for a 17 month CD, 0.75% APY for an 18 month CD, 1.01% APY for a 23 month CD, 0.50% APY for a 2 year CD, 0.50% APY for a 35 month CD, 0.50% APY for a 3 year CD and 0.35% APY for a 4 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of the Pacific for its full lineup.

What is the highest savings rate at Bank of the Pacific?

The highest Bank of the Pacific savings rate is its Essential Savings Account at 0.04% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Bank of the Pacific?

The highest Bank of the Pacific money market rate is its Business Money Market at 2.69% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Bank of the Pacific?

The highest Bank of the Pacific checking rate is its Pacific Premier Checking at 0.07% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest credit card APR at Bank of the Pacific?

The lowest Bank of the Pacific credit card APR is its Pacific Business Rewards Visa Credit Card at 12.00% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does Bank of the Pacific operate?

Bank of the Pacific currently maintains approximately 20 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, Bank of the Pacific 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, Bank of the Pacific provides members with tools to manage their accounts and build a solid financial history.

Does Bank of the Pacific offer online and mobile banking?

Most modern institutions like Bank of the Pacific 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.bankofthepacific.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 Bank of the Pacific rates compare?

Bank of the Pacific's top CD rate of 3.56% APY on a 9 month CD is 22% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. Bank of the Pacific's top rates are its 9-Months - 12-Months 9-Month Short-Term Consumer CD at 3.56% APY, its Essential Savings Account at 0.04% APY, its Business Money Market at 2.69% APY, its Pacific Premier Checking at 0.07% APY and its Pacific Business Rewards Visa Credit Card at 12.00% APR, verified by MonitorBankRates on November 5, 2026.

Current Bank of the Pacific Rates

12-Month CD0.30%
18-Month CD0.75%
24-Month CD0.50%
36-Month CD0.50%
48-Month CD0.35%
Savings0.04%
MMA2.69%

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

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Bank of the Pacific Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank of the Pacific Texas Ratio

Bank of the Pacific Health Trend

Bank of the Pacific CD Rates

Bank of the Pacific Savings Rates

Bank of the Pacific Business Money Market Rates

Bank of the Pacific Checking Rates

Bank of the Pacific Credit Card Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank of the Pacific earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank of the Pacific

Does Bank of the Pacific offer CDs?

Are CDs from Bank of the Pacific FDIC insured?

What is the highest CD rate at Bank of the Pacific?

What CD terms does Bank of the Pacific offer?

What is the highest savings rate at Bank of the Pacific?

What is the highest money market rate at Bank of the Pacific?

What is the highest checking rate at Bank of the Pacific?

What is the lowest credit card APR at Bank of the Pacific?

How many branches does Bank of the Pacific operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank of the Pacific 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 Bank of the Pacific rates compare?

Current Bank of the Pacific Rates

Compare to Other Banks