What are the current interest rates at Seattle Bank?

Current rates for Seattle Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.65%, 24-Month CD: 3.50%, 36-Month CD: 3.50%, 48-Month CD: 3.50%

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Seattle Bank Rates & Review September 2026

Item: Seattle Bank
Rating: 1
Author: tom A

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Seattle Bank's 12-Month Business Certificate of Deposit rates are at 3.75%, 12-Month Certificate rates are at 3.75%, 18-Month Certificate rates are at 3.65%, 24-Month Business Certificate of Deposit rates are at 3.50%, 24-Month Certificate rates are at 3.50%. MonitorBankRates evaluates the financial stability of Seattle Bank with a 3.8 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 29.81%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

C-

Below Average Health Score: 73/100

MonitorBankRates Rating

3.8

Very Good Out of 5.0 Stars

Texas Ratio

29.81%

Good Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Seattle Bank

401 Union Street
Seattle, WA 98101

https://www.seattlebank.com

Current Rate Availability

We're not currently displaying rates for Seattle Bank, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Seattle Bank’s Texas Ratio fell from 30.78% in Q3 2023 to 29.81% in Q2 2026, so its financial health has held steady over the past 12 quarters. Over the same period its Star Rating moved from 3.7 to 3.8. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$891M	29.81%	3.8	C-
March 31, 2026	$1.1B	30.85%	3.7	C-
December 31, 2025	$1.0B	60.80%	1.2	F
September 30, 2025	$1.0B	58.33%	1.4	F
June 30, 2025	$1.0B	59.59%	1.3	F
March 31, 2025	$961M	64.50%	1.0	F
December 31, 2024	$961M	69.71%	1.0	F
September 30, 2024	$954M	71.25%	1.0	F
June 30, 2024	$922M	52.91%	1.8	F
March 31, 2024	$897M	45.10%	2.5	F
December 31, 2023	$856M	39.22%	3.0	D
September 30, 2023	$798M	30.78%	3.7	C-

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 Seattle Bank 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 Seattle Bank 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 Seattle Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Seattle Bank

Bank Holding Company SEATTLE BANCSHARES INC

Address 401 Union Street, Seattle, WA 98101 · King

Website https://www.seattlebank.com

FDIC Certificate # 35139

Established 19990802

FDIC Insurance Date 19990802

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C-

Overall Health Grade Score: 73/100

3.8

Very Good Out of 5.0 Stars

29.81%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9824%

Return on Equity (ROE) 10.4600%

Non-Performing Loans (NPL) 2.32%

Total Assets $891,449,000

Total Deposits $785,211,000

Equity Capital $93,918,000

Net Income $4,881,000

Headquarters Seattle

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

tom A

★☆☆☆☆

December 14, 2023

tried unsuccessfully for almost 2 weeks to open a cd——could not do online—emailed numerous times asking for some help---no response from supposed customer service line

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Average Rating

★☆☆☆☆

Total Reviews

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Frequently Asked Questions About Seattle Bank

How many branches does Seattle Bank operate?

Seattle Bank currently maintains approximately 2 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, Seattle Bank 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, Seattle Bank provides members with tools to manage their accounts and build a solid financial history.

Does Seattle Bank offer online and mobile banking?

Most modern institutions like Seattle Bank 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.seattlebank.com.