What are the current interest rates at SaviBank?

Current rates for SaviBank include: 12-Month CD: 3.15%, 18-Month CD: 2.41%, 24-Month CD: 2.36%, 36-Month CD: 1.89%, 48-Month CD: 1.79%, MMA: 2.02%

SaviBank Rates and Review February 2026

Q: Is SaviBank a safe place to deposit money?

Yes, SaviBank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Content reviewed by

Brian McKay

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SaviBank Deposit Rates

SaviBank's 12-Month Certificates of Deposit rates are at 3.15%, 6-Month Certificates of Deposit rates are at 2.93%, 18-Month Certificates of Deposit rates are at 2.41%, 24-Month Certificates of Deposit rates are at 2.36%, 30-Month Certificates of Deposit rates are at 1.99%. SaviBank's money market rates are at 2.02%.

SaviBank

Rate Updates and Availability

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

SaviBank Texas Ratio

SaviBank's Texas Ratio is at 2.50%, which is considered excellent. The Texas Ratio for SaviBank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

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

Overall, SaviBank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

3.15%

2.38%

18-Month CD

2.41%

2.14%

24-Month CD

2.36%

2.17%

36-Month CD

1.89%

2.11%

48-Month CD

1.79%

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

2.02%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

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

SaviBank

1020 S Burlington Blvd
Burlington, WA 98233

https://www.savibank.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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SaviBank CD Rates

Product	Rate	APY	Term
12 month Certificates of Deposit	-	3.15%	12 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
6 month Certificates of Deposit	-	2.93%	6 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
18 month Certificates of Deposit	-	2.41%	18 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
24 month Certificates of Deposit	-	2.36%	24 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
30 month Certificates of Deposit	-	1.99%	30 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
36 month Certificates of Deposit	-	1.89%	36 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026
48 month Certificates of Deposit	-	1.79%	48 Months
Min Deposit$25,000 DetailsUnder $25,000.00 Last Updated 02/14/2026

SaviBank Money Market Rates

Product	Rate	APY
Business Money Market	-	2.02%
Details$0 to $24,999.99 Last Updated 02/14/2026
Personal Money Market	-	2.02%
DetailsBalance: $0 to $9,999.99 Last Updated 02/14/2026

SaviBank Checking Rates

Product	Rate	APY
Ultimate Checking	-	0.50%
Min Deposit$250,000 Min Balance$250,000 Details$250,000.00 + Last Updated 02/14/2026
Ultimate Checking	-	0.40%
Min Deposit$100,000 Min Balance$100,000 Details$100,000.00 to $249,999.99 Last Updated 02/14/2026
Ultimate Checking	-	0.30%
Min Deposit$50,000 Min Balance$50,000 Details$50,000.00 to $99,999.99 Last Updated 02/14/2026
Savi Checking	-	0.25%
Min Balance$0 DetailsEARN - If requirements** ARE NOT met. This will be the APY for the entire balance in the tier. 0.25%* when all requirements are not met. Last Updated 02/14/2026
Ultimate Checking	-	0.20%
Min Deposit$25,000 Min Balance$25,000 Details$25,000.00 to $49,999.99 Last Updated 02/14/2026
Ultimate Checking	-	0.10%
Min Deposit$10,000 Min Balance$10,000 Details$10,000.00 to $24,999.99 Last Updated 02/14/2026
PNW Premier Checking	-	0.05%
Min Balance$0 DetailsEarn - If qualifications** ARE NOT met Last Updated 02/14/2026
Ultimate Checking	-	0.05%
Details$0 to $9,999.99 Last Updated 02/14/2026

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

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for SaviBank 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 SaviBank 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 SaviBank's official website for the most current offers and terms.