What are the current interest rates at Washington State Employees Credit Union?

Current rates for Washington State Employees Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.15%, 24-Month CD: 3.10%, 60-Month CD: 2.50%, Savings: 0.10%, MMA: 1.25%

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Washington State Employees Credit Union

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Washington State Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Washington State Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Washington State Employees Credit Union's top rates as of October 9, 2026 are 3.30% APY on its 12 Month CD, 0.10% APY on savings, 1.25% APY on money market accounts, and credit cards from 12.50% APR, according to rates verified by MonitorBankRates. Other Washington State Employees Credit Union CD rates include 6-Month Add-On CD at 3.25%, 18-Month Flex-Withdrawal CD at 3.15%, and 24 Month Long-term CD at 3.10%. MonitorBankRates evaluates the financial stability of Washington State Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates last updated and verified on 10/09/2026.

Washington State Employees Credit Union 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 Washington State Employees Credit Union? Share your experience about Washington State Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Washington State Employees Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.49%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Washington State Employees Credit Union
OLYMPIA - MAIN OFFICE/HQ2

330 UNION AVE SE
OLYMPIA, WA 98501

https://wsecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Washington State Employees Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.30%	12 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 9, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
6-Month Add-On Certificate	-	3.25%	6 months
Min Deposit $250 Details Unlimited additional deposits throughout the term. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 9, 20263.25%▼ from 3.35% Sep 21, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
18-Month Flex-Withdrawal Certificate	-	3.15%	18 months
Details Access up to half your savings without penalty. One penalty-free withdrawal for up to 50% of the balance may be taken during the term. Additional withdrawals may incur a penalty. IRA Certificates are not eligible. Early withdrawals on all other certificates may also incur a penalty. See Certificate Rate and Fee Schedule for details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
24 Month Long-term Share Certificate	-	3.10%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
36 Month Long-term Share Certificate	-	2.64%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.64% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
48 Month Long-term Share Certificate	-	2.50%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
60 Month Long-term Share Certificate	-	2.50%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
90 days JustU Share Certificates	0.10%	0.10%	90 days
Min Deposit $100 Min Balance $1 Details Bonus deposit of $25 (limited to one offer per member). Funds are not accessible for withdrawal or transfer for 90 days. Closure of certificate prior to 90 days will result in forfeiture of bonus offer. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

Washington State Employees Credit Union Savings Rates

Product	Rate	APY
JustU Savings accounts	-	0.10%
Min Deposit $1 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
New Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Sub-Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

Washington State Employees Credit Union Money Market Rates

Product	Rate	APY
Money Market accounts	-	1.25%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market accounts	-	0.94%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.94% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market accounts	-	0.89%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.89% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market accounts	-	0.79%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.79% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market accounts	-	0.74%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.74% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market accounts	-	0.10%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

Washington State Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.74%
Details Published APR range: 6.74% - 9.75%. definition for Annual Percentage Rate (APR) : The cost of the loan, including interest and fees. Get details about our home equity line of credit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 2, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

Washington State Employees Credit Union Credit Card Rates

Product	Rate	APR	View More
WSECU Low Rate Visa credit card	-	12.50%
Details Published APR range: 12.50% - 21.50%. Introductory balance transfer rate: 0% for six months if the transfer is made within 60 days of account opening. After six months, the standard 12.50% - 21.50% APR will apply. All eligible balance transfers receive 0% APR for the six-month period following the initial transfer. Afterward, the standard rate as shown will apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 12.50% ▲ 0.25 pts · high 12.50% / low 12.25% Oct 9, 202612.50%▲ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

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

Washington State Employees Credit Union’s Texas Ratio rose from 3.19% in Q3 2023 to 5.49% in Q2 2026, so its financial health has held steady at a healthy level 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 credit union’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	$5.1B	5.49%	5.0	A+
March 31, 2026	$5.1B	4.86%	5.0	A+
December 31, 2025	$5.1B	5.18%	5.0	A+
September 30, 2025	$5.1B	4.20%	5.0	A+
June 30, 2025	$5.1B	3.84%	5.0	A+
March 31, 2025	$5.2B	2.94%	5.0	A+
December 31, 2024	$5.2B	4.93%	5.0	A+
September 30, 2024	$5.3B	4.61%	5.0	A+
June 30, 2024	$5.3B	4.40%	5.0	A+
March 31, 2024	$5.4B	3.82%	5.0	A+
December 31, 2023	$5.4B	4.06%	5.0	A+
September 30, 2023	$5.3B	3.19%	5.0	A+

Source: NCUA 5300 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 Washington State Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Washington State Employees Credit Union 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 Washington State Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Washington State Employees Credit Union

Website https://wsecu.org

Address 330 UNION AVE SE, OLYMPIA, WA 98501

Phone 800-562-0999

Fax

President Vikki Smith

CEO Gary Swindler

Full-Time Employees 776

Part-Time Employees 52

Branch Locations 28

ATM Locations 27

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.49%

Return on Assets (ROA)

0.1248%

Return on Equity (ROE)

1.2618%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

5,088,771,078

Total Amount of Shares and Deposits

4,544,858,234

Total Shares and Deposits < 1 Year

4,485,542,730

Total Shares and Deposits 1 3 Years

48,375,945

Total Shares and Deposits > 3 Years

10,939,559

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

627,922,253

Total Uninsured Shares and Deposits > $250K (F+J)

627,922,253

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,916,935,981

Total Interest Expense (Sum of items 6 8)

28,006,063

Share Certificates

51,038

Number of Accounts for Share Drafts

190,410

IRA KEOGH Accounts

10,257

Number of Accounts for Regular Shares

371,119

Money Market Shares

23,827

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

147,629,077

Total Liabilities

4,639,778,086

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Washington State Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Washington State Employees Credit Union

How many branches does Washington State Employees Credit Union operate?

Washington State Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Washington State Employees Credit Union?

Yes, to access services at Washington State Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Washington State Employees Credit Union 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, Washington State Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Washington State Employees Credit Union offer online and mobile banking?

Most modern institutions like Washington State Employees Credit Union 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://wsecu.org.