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CD Rate Trends

Washington Best CD Rates September 2026

Current Washington CD rates include Spokane Media Federal Credit UnionSpokane Media Federal Credit Union6103 N Astor St, Spokane, WA 99208 8102A+5.0 ★Texas Ratio: 1.15%Real return: +2.32%APY minus CPI (February 2026) offering Balance Certificate Builder - 1 Year at 5.12% APY, Horizon Credit UnionHorizon Credit Union201 N Mullan Rd, Spokane Valley, WA 99206 3790A+5.0 ★Texas Ratio: 0.84%Real return: +2.20%APY minus CPI (February 2026) offering 18-Month Certificate at 5.00% APY, Gesa Credit UnionGesa Credit Union825 Goethals Dr, Richland, WA 99352A+5.0 ★Texas Ratio: 5.39%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD - 18 Months at 4.60% APY, Topeka Firemens Credit UnionTopeka Firemens Credit Union501 1st Ave S Ste 600, SEATTLE, WA 98104 2803A+5.0 ★Texas Ratio: 0.00%Real return: +1.75%APY minus CPI (February 2026) offering 1 Year Share Certificates at 4.55% APY, and Progressions Credit UnionProgressions Credit Union2919 E Mission AVE, Spokane, WA 99202 3624A+5.0 ★Texas Ratio: 0.70%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Youth Certificates at 4.50% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Washington side-by-side. Washington CD rates currently reach as high as 5.12% APY from Spokane Media Federal Credit Union at 6103 N Astor St, Spokane, WA 99208 8102. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026

Compare Best CD Rates in Washington

Washington 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week

The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
22525 Se 64th Pl Ste 2 Dd, Issaquah, WA 98027
3 Month CD
$1,000
4.32% ▲ 2.26% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details

UP to $99,999.99

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
3 Month Share Certificate
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
3-Month Certificate
$0
4.00% ▲ 1.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

No minimum deposit.

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 3 Month CD
$500
3.85% ▲ 1.79% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.79% above avg
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
3 Month Share Certificates
$0
3.82% ▲ 1.76% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.76% above avg
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
6419 Fauntleroy Way SW, Seattle, WA 98136
Share Certificate - 3 Month
$0
3.82% ▲ 1.76% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.76% above avg
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$500
3.75% ▲ 1.69% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details

Tiered Rates

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
3 Month Certificate of Deposit
$0
3.60% ▲ 1.54% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.54% above avg
Details

Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
320 SW Mt Si Blvd, North Bend, WA 98045
3 Month Certificate
$0
3.55% ▲ 1.49% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2502 Colby Ave, Everett, WA 98201
3-Mo. Term
$1,000
3.51% ▲ 1.45% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.45% above avg
Details

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
3 Month Certificate
$0
3.50% ▲ 1.44% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1301 5th Ave, Seattle, WA 98101
Business 90 Day Fixed Rate Certificate
$0
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
3 Month Jumbo Certificates of Deposit
$0
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details

$100,000+

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
3 Month IRA Certificate
$0
3.50% ▲ 1.44% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
3 Month Certificates of Deposit
$0
3.40% ▲ 1.34% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
90 Day Certificate
$2,500
3.40% ▲ 1.34% above national avg
Rate3.40%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details

Balance: $25,000.00 to $99,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Certificate Account
$0
3.30% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.24% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.30% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.24% above avg
Details

Balance: $100,000 and over

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
3 Month Share Certificate Account
$0
3.20% ▲ 1.14% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.14% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.15% ▲ 1.09% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Certificate Account
$0
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

APY* (min. balance $50,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Balance: $50,000 - $99,999.99

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
3 Month Share Certificate Accounts and IRA Share Certificates
$0
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.10% ▲ 1.04% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.05% ▲ 0.99% above national avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04% ▲ 0.98% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Certificate Account
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

APY* (min. balance $500)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Balance: $500 - $49,999.99

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$500
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
3 Month Certificate of Deposit
$0
2.75% ▲ 0.69% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.69% above avg
Details

Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 3 Month Certificate of Deposit
$0
2.75% ▲ 0.69% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.69% above avg
Details

Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificates of Deposit - personal and business
$0
2.70% ▲ 0.64% above national avg
Rate2.67%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details

Balance: $75,000+

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificates of Deposit - personal and business
$0
2.65% ▲ 0.59% above national avg
Rate2.62%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.59% above avg
Details

Balance: $25,000-$74,999

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
Business 90 day
$0
2.65% ▲ 0.59% above national avg
Rate2.62%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.59% above avg
Details

Balance: $25,000-$74,999

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificates of Deposit - personal and business
$0
2.60% ▲ 0.54% above national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.54% above avg
Details

Balance: $0-$999

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
Business 90 day
$0
2.60% ▲ 0.54% above national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.54% above avg
Details

Balance: $0-$999

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
3 Month Certificate of Deposit
$0
2.50% ▲ 0.44% above national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details

Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 3 Month Certificate of Deposit
$0
2.50% ▲ 0.44% above national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details

Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
3 Month Business Certificates
$0
2.50% ▲ 0.44% above national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
3 Month Certificate
$0
2.50% ▲ 0.44% above national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
155 Washington Ave, Bremerton, WA 98337 5606
Share, Traditional & ROTH IRA Certificate - 3 Month
$500
2.50% ▲ 0.44% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
3 Month Certificate of Deposit
$0
2.25% ▲ 0.19% above national avg
Rate2.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details

Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 3 Month Certificate of Deposit
$0
2.25% ▲ 0.19% above national avg
Rate2.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details

Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY With Checking: 2.75%

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
1418 15th Ave, Longview, WA 98632
3 Month Certificate
$0
2.10% ▲ 0.04% above national avg
Rate2.08%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.04% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
3 Month Share Certificate
$1,000
2.00% ▼ 0.06% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
3 Month Certificate of Deposit
$0
2.00% ▼ 0.06% below national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details

Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 3 Month Certificate of Deposit
$0
2.00% ▼ 0.06% below national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details

Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 1.98%; APY Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY With Checking: 2.50%

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
1.80% ▼ 0.26% below national avg
Rate1.79%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.26% below avg
Details

Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
6711 NE 63rd St, Vancouver, WA 98661
3 months - OnPoint Rewards
$1,000
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.31% below avg
Details

Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards

Washington 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week

The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 6 Months
$0
4.10% ▲ 1.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details

Minimum balance $100,000

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
6 Month Share Certificates
$0
4.08% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.31% above avg
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
22525 Se 64th Pl Ste 2 Dd, Issaquah, WA 98027
6 Month CD
$1,000
4.04% ▲ 1.27% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details

UP to $99,999.99

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
6 Month Share Certificate
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
41 W Riverside Ave, Spokane, WA 99201
6 Month Promo CD
$500
3.95% ▲ 1.18% above national avg
Rate3.95%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 6 Months
$0
3.95% ▲ 1.18% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details

Minimum balance $50,000

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 6 Month CD
$500
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 6 Months
$0
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Minimum balance $500

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
734 Water St, Port Townsend, WA 98368
180-Day CD
$500
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Share Certificates
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate | Wave Club
$500
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2919 E Mission AVE, Spokane, WA 99202 3624
6 Month Certificates and IRA Certificates
$0
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $500.00 - $9,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Share Certificates
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Traditional/Roth IRA Certificates
$50,000
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Share Certificates
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates - 6 Month
$1,000
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Business Jumbo Certificates
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 6 Month
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
6 Month BUMP Certificate
$500
3.61% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
6 Month Jumbo Certificates of Deposit
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details

$100,000+

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
6 Month Certificate of Deposit
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
6 Month CD SPECIAL
$1,000
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
6 Month Share Certificates
$1,000
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
6 Month Certificate
$0
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
6 Month Fixed Rate Time Deposit
$0
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
6 Month Time Deposit
$0
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
Commercial 6 Month
$0
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
6 Month Certificate Account
$0
3.60% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
6 Month Fixed CD
$0
3.60% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Balance: $100,000 and over

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Balance: $100,000 and over

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
6 Month Jumbo Certificates of Deposit
$50,000
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Bump Option: Not Eligible

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
6419 Fauntleroy Way SW, Seattle, WA 98136
Share Certificate - 6 Month
$0
3.56% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
3102 Broadway, Everett, WA 98201 4421
6 Month Certificate
$0
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
6 Month Certificates of Deposit - personal and business
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details

Balance: $75,000+

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
6 Month CD
$500
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Annual Percentage Yield.

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
6 Month Certificates of Deposit
$0
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Balance: $0.01 -$49,999.99

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
Youth 6 Months
$0
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
600 E Holly St, Bellingham, WA 98225
6 Month Certificate
$500
3.50% ▲ 0.73% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Early Withdrawal Penalty: 90 days' dividends

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
600 E Holly St, Bellingham, WA 98225
6 month IRA Certificate
$500
3.50% ▲ 0.73% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Early Withdrawal Penalty: 90 days' dividends

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
6 Month Certificate
$1,000
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
6 Month Roth IRA / IRA Certificate
$250
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
6 Month IRA Certificate
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate
$500
3.50% ▲ 0.73% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Washington 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week

The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Spokane Media Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6103 N Astor St, Spokane, WA 99208 8102
Balance Certificate Builder - 1 Year
$0
5.12% ▲ 2.17% above national avg
Rate5.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.17% above avg
Details

Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 1st Ave S Ste 600, SEATTLE, WA 98104 2803
1 Year Share Certificates
$0
4.55% ▲ 1.60% above national avg
Rate4.47%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.60% above avg
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2919 E Mission AVE, Spokane, WA 99202 3624
12 Month Youth Certificates
$0
4.50% ▲ 1.55% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details

Balance: $100.00-$2,000.00

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 12 Months
$0
4.50% ▲ 1.55% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details

Minimum balance $100,000

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 12 Months
$0
4.35% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details

Minimum balance $50,000

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
1 Year Share Certificates
$0
4.33% ▲ 1.38% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.38% above avg
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
1 Year Share Certificates
$0
4.24% ▲ 1.29% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.29% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 12 Months
$0
4.20% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details

Minimum balance $500

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
41 W Riverside Ave, Spokane, WA 99201
12 Month Promo CD
$500
4.15% ▲ 1.20% above national avg
Rate4.09%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
1 Year Certificate
$0
4.10% ▲ 1.15% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.15% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 12 Months
$0
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details

APY applies to minimum balance $100,000

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
16001 Aurora Ave N, Shoreline, WA 98133
12 Month Platinum TCD
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

GBC 50th Anniversary Special!

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
12 Month IRA Certificate
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate | Wave Club
$500
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month IRA Wave Club Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

IRA Certificate

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Certificate Account
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Fixed CD
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $100,000 and over

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 12 Months
$0
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details

APY applies to minimum balance $50,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.96% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 12 Month CD
$500
3.90% ▲ 0.95% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
734 Water St, Port Townsend, WA 98368
1-Year CD
$500
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details

APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Certificate Account
$0
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

APY* (min. balance $50,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Fixed CD
$0
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Balance: $50,000 - $99,999.99

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82% ▲ 0.87% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details

Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
313 Waldrip Street, Elma, WA 98541
12 MONTH CD SPECIAL
$500
3.80% ▲ 0.85% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details

The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.

Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
313 Waldrip Street, Elma, WA 98541
12 MONTH IRA CD SPECIAL
$50
3.80% ▲ 0.85% above national avg
Rate
Min Deposit$50
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details

The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Business Share Certificates
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Rookie Share Certificate
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $250 - $2,500

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Share Certificates
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
12 Month Share Certificates
$1,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
12 Month Traditional/Roth IRA Certificates
$50,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates - 12 Month
$1,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 12 Month
$100,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
110 N 5th Ave, Yakima, WA 98902
IRA Certificates (Traditional and Roth) - 12 months
$0
3.80% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $10,000

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 12 Months
$0
3.80% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details

APY applies to minimum balance $500

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
12 Month Business Jumbo Certificates
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates - 12 Month
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Harborstone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

1

Harborstone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
12-Month Certificate
$500
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Harborstone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 12-Month Certificate
$50,000
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate
$500
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month IRA Certificate
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

IRA Certificate

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2919 E Mission AVE, Spokane, WA 99202 3624
12 Month Certificates and IRA Certificates
$0
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details

Balance: $500.00 - $9,999.99

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72% ▲ 0.77% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
12 Month Term Certificate
$0
3.72% ▲ 0.77% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
12 Month Jumbo Certificates of Deposit
$0
3.70% ▲ 0.75% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details

$100,000+

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Certificate Account
$0
3.70% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details

APY* (min. balance $500)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
12 Month Fixed CD
$0
3.70% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details

Balance: $500 - $49,999.99

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.70% ▲ 0.75% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details

Balance: $100,000 and over

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
1 Year Jumbo Certificates of Deposit
$50,000
3.70% ▲ 0.75% above national avg
Rate3.63%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details

Bump Option: Not Eligible

Washington 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week

The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
18-Month Certificate
$0
5.00% ▲ 2.18% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 2.18% above avg
Details

Maximum deposit of $1M per individual.

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
IRA 18-Month Certificate
$0
5.00% ▲ 2.18% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 2.18% above avg
Details

The IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Maximum deposit of $1 million per individual.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 18 Months
$0
4.60% ▲ 1.78% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.78% above avg
Details

Minimum balance $100,000

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 18 Months
$0
4.45% ▲ 1.63% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.63% above avg
Details

Minimum balance $50,000

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 18 Months
$0
4.30% ▲ 1.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details

Minimum balance $500

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
41 W Riverside Ave, Spokane, WA 99201
18 Month Promo CD
$500
4.20% ▲ 1.38% above national avg
Rate4.14%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
16001 Aurora Ave N, Shoreline, WA 98133
18 Month Platinum TCD
$0
4.18% ▲ 1.36% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.36% above avg
Details

GBC 50th Anniversary Special!

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
118 E Yakima Ave, Yakima, WA 98901
18-Month CD
$0
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Certificate Account
$0
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
18 Month Share Certificate
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - CD SPECIAL 9 & 18 months
$500
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

CD SPECIAL

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
18 Month IRA Certificate
$0
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
18 Month Share Certificate
$1,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
18 Month Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Certificate Account
$0
3.95% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details

APY* (min. balance $50,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
3.95% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details

Balance: $50,000 - $99,999.99

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 18 Month CD
$500
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
18 Month Share Certificates
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Certificate Account
$0
3.80% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details

APY* (min. balance $500)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
3.80% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $500 - $49,999.99

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77% ▲ 0.95% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
18 Month Term Certificate
$0
3.77% ▲ 0.95% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
18 Month Jumbo Certificates of Deposit
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.93% above avg
Details

$100,000+

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
8308 Quinault DR NE, Lacey, WA 98516
18 Month IRA Share Certificates
$1,000
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details

Opening & Min. Balance Req. $1,000

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
8308 Quinault DR NE, Lacey, WA 98516
18 Month Promotional Share Certificates
$5,000
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details

Opening & Min Balance Req. 18 Months

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
18-month GreenUp Certificate
$1,000
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
18 Month Bump Certificate of Deposit
$0
3.70% ▲ 0.88% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details

Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 18 Month Bump Certificate of Deposit
$0
3.70% ▲ 0.88% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details

Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
18 Month Certificates of Deposit
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
18 Month Certificate Account
$0
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
18 Month IRA Certificate
$0
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Share Certificates - 18 Months
$0
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
18 Month Certificate of Deposit
$0
3.60% ▲ 0.78% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.78% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
18 Month CD SPECIAL
$1,000
3.60% ▲ 0.78% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
18 Month Share Certificates
$1,000
3.60% ▲ 0.78% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - 18 months
$500
3.60% ▲ 0.78% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
18 Month Term Share
$50,000
3.56% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.74% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
18 Month IRA Certificates of Deposit
$0
3.55% ▲ 0.73% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.73% above avg
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
800 SE 192nd Ave, Vancouver, WA 98683 9510
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.73% above national avg
Rate3.49%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details

Balance: $500-$19,999.99

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.73% above national avg
Rate3.49%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details

Balance: $500-$19,999.99

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
18 Month Certificate
$1,000
3.50% ▲ 0.68% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
18 Month Roth IRA / IRA Certificate
$250
3.50% ▲ 0.68% above national avg
Rate3.44%
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2919 E Mission AVE, Spokane, WA 99202 3624
18 Month Certificates and IRA Certificates
$0
3.50% ▲ 0.68% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details

Balance: $500.00 - $9,999.99

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
18 Month Bump Certificate of Deposit
$0
3.45% ▲ 0.63% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details

Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%

Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
4922 Bridgeport Way W, University Place, WA 98467
Business 18 Month Bump Certificate of Deposit
$0
3.45% ▲ 0.63% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details

Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
18 Month Term Share
$5,000
3.45% ▲ 0.63% above national avg
Rate3.40%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
18 Month Term Share
$500
3.35% ▲ 0.53% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details

Washington 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week

The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 24 Months
$0
4.30% ▲ 1.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details

Minimum balance $100,000

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
2 Year Certificate
$0
4.15% ▲ 1.31% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 24 Months
$0
4.15% ▲ 1.31% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details

Minimum balance $50,000

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month Certificate
$1,000
4.12% ▲ 1.28% above national avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.28% above avg
Details

With .50% Bonus**; Balance: $100,000.00 or more

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
41 W Riverside Ave, Spokane, WA 99201
24 Month Promo CD
$500
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
24 Month IRA Certificate
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate | Wave Club
$500
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month IRA Wave Club Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

IRA Certificate

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 24 Months
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Minimum balance $500

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 24 Month CD
$500
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 24 Months
$0
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

APY applies to minimum balance $100,000

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
24 Month Jumbo Certificates of Deposit
$0
3.80% ▲ 0.96% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details

$100,000+

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
24 Month Certificate Account
$0
3.80% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
24 Month Fixed CD
$0
3.80% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $100,000 and over

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77% ▲ 0.93% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
24 Month Term Certificate
$0
3.77% ▲ 0.93% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$500
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month IRA Certificate
$0
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

IRA Certificate

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 24 Months
$0
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

APY applies to minimum balance $50,000

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
24 Month Certificates of Deposit
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
2 Year Jumbo Certificates of Deposit
$50,000
3.70% ▲ 0.86% above national avg
Rate3.63%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Bump Option: Eligible

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18530 33rd Ave W, Lynnwood, WA 98037
Business 24 month
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $0-$999

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
24 Month Certificate Account
$0
3.70% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
24 Month IRA Certificate
$0
3.70% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Share Certificates - 24 Months
$0
3.70% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
24 Month Certificate Account
$0
3.65% ▲ 0.81% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details

APY* (min. balance $50,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
24 Month Fixed CD
$0
3.65% ▲ 0.81% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $50,000 - $99,999.99

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month Certificate
$1,000
3.61% ▲ 0.77% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details

Balance: $25,000.00 to $99,999.99

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month IRA
$500
3.61% ▲ 0.77% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details

With .50% Bonus*; Balance: $25,000.00 to $99,999.99

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
24 Month IRA Certificates of Deposit
$0
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
24 Month Certificate of Deposit
$0
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
24 Month CD SPECIAL
$1,000
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
24 Month Clubhouse Certificates
$250
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
24 Month Share Certificates
$1,000
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - 24 months
$500
3.60% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 24 Months
$0
3.60% ▲ 0.76% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

APY applies to minimum balance $500

Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
155 Washington Ave, Bremerton, WA 98337 5606
24-Month Certificate
$500
3.60% ▲ 0.76% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
155 Washington Ave, Bremerton, WA 98337 5606
Share, Traditional & ROTH IRA Certificate - 24 Month
$500
3.60% ▲ 0.76% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
24 Month Term Share (or IRA)
$500
3.56% ▲ 0.72% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details

Special Rate!

Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 1st Ave S Ste 600, SEATTLE, WA 98104 2803
2 Year Share Certificates
$0
3.50% ▲ 0.66% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
2-Year Certificate
$1,000
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

Washington 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week

The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6115 NE 114th Ave, Vancouver, WA 98662
3 Year Certificates
$0
4.25% ▲ 1.49% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details

1x Bump Up

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month Certificate
$1,000
4.12% ▲ 1.36% above national avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.36% above avg
Details

With .50% Bonus**; Balance: $100,000.00 or more

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 1st Ave S Ste 600, SEATTLE, WA 98104 2803
3 Year Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Share Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 36 Month CD
$500
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Share Certificates
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
36 Month Jumbo Certificates of Deposit
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details

$100,000+

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
36 Month Term Certificate
$0
3.82% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
36 Month Certificates of Deposit
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 36 Months
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Minimum balance $100,000

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
36 Month Certificate Account
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
36 Month IRA Certificate
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Share Certificates - 36 Months
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
36 Month IRA Certificates of Deposit
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$50,000
3.61% ▲ 0.85% above national avg
Rate3.55%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.85% above avg
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month Certificate
$1,000
3.61% ▲ 0.85% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.85% above avg
Details

Balance: $25,000.00 to $99,999.99

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month IRA
$500
3.61% ▲ 0.85% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.85% above avg
Details

With .50% Bonus*; Balance: $25,000.00 to $99,999.99

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month CD SPECIAL
$1,000
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month Clubhouse Certificates
$250
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month Share Certificates
$1,000
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - 36 months
$500
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 36 Months
$0
3.55% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details

Minimum balance $50,000

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$5,000
3.50% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
36 Month IRA Certificate
$0
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 36 Months
$0
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

APY applies to minimum balance $100,000

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
3 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.74% above national avg
Rate3.44%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

Bump Option: Eligible

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
36 Month Share Certificate Account
$0
3.50% ▲ 0.74% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.19%
2419 Pacific Ave SE, Olympia, WA 98501
36 Month Share Certificate
$500
3.45% ▲ 0.69% above national avg
Rate3.39%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
36 Month Share Certificate Accounts and IRA Share Certificates
$0
3.44% ▲ 0.68% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.68% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month Share Certificate
$100,000
3.40% ▲ 0.64% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
3 Year Certificate
$0
3.40% ▲ 0.64% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.64% above avg
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
36 Month Certificate of Deposit
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
3 Year Share Certificates
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details

Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$500
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
8308 Quinault DR NE, Lacey, WA 98516
36 Month Promotional Share Certificates
$5,000
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details

Opening & Min Balance Req. 36 Months

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 36 Months
$0
3.35% ▲ 0.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details

Minimum balance $500

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
3 Year Share Certificates
$0
3.30% ▲ 0.54% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 36 Months
$0
3.30% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details

APY applies to minimum balance $50,000

Washington 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week

The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
48 Month Term Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
48 Month Certificate Account
$0
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
48 Month IRA Certificate
$0
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Share Certificates - 48 Months
$0
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 48 Months
$0
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Minimum balance $100,000

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Share Certificate
$100,000
3.65% ▲ 0.88% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 48 Months
$0
3.55% ▲ 0.78% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details

Minimum balance $50,000

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
48 Month Share Certificate Account
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Share Certificate
$1,000
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
48 Month IRA Certificate
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

APY applies to minimum balance $100,000

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
4 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

Bump Option: Eligible

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.19%
2419 Pacific Ave SE, Olympia, WA 98501
48 Month Share Certificate
$500
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
48 Month Share Certificate Accounts and IRA Share Certificates
$0
3.49% ▲ 0.72% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.72% above avg
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
48 Month Certificate
$0
3.45% ▲ 0.68% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details

Balance: $1,000.00 to $24,999.99

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
48 Month IRA
$500
3.45% ▲ 0.68% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details

Balance: $25,000.00 to $99,999.99

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
4 Year Certificate
$0
3.40% ▲ 0.63% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.63% above avg
Details

Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2502 Colby Ave, Everett, WA 98201
48-Mo. Term
$1,000
3.35% ▲ 0.58% above national avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 48 Months
$0
3.35% ▲ 0.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details

Minimum balance $500

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.30% ▲ 0.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details

APY applies to minimum balance $50,000

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
4 Year Certificates
$1,000
3.30% ▲ 0.53% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details

Bump Option: Eligible

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1451 15th St, Clarkston, WA 99403
48 Month CERTIFICATES (Includes IRA Certificates)
$0
3.30% ▲ 0.53% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
48 Month Certificate
$0
3.25% ▲ 0.48% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details

Balance: $0.01 -$49,999.99

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate | Wave Club
$500
3.25% ▲ 0.48% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month IRA Wave Club Certificate
$0
3.25% ▲ 0.48% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details

IRA Certificate

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate Account
$0
3.25% ▲ 0.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Fixed CD
$0
3.25% ▲ 0.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details

Balance: $100,000 and over

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
19315 Highway 99, Lynnwood, WA 98036
48 Month Certificate of Deposit
$0
3.20% ▲ 0.43% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.43% above avg
Details

Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
155 Washington Ave, Bremerton, WA 98337 5606
Share, Traditional & ROTH IRA Certificate - 48 Month
$500
3.20% ▲ 0.43% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.10% ▲ 0.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details

APY applies to minimum balance $500

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate Account
$0
3.05% ▲ 0.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details

APY* (min. balance $50,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Fixed CD
$0
3.05% ▲ 0.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details

Balance: $50,000 - $99,999.99

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
4-Year Certificate
$1,000
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1100 Dupont St, Bellingham, WA 98225 3113
4-Year Roth IRA / IRA Certificate
$250
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate
$500
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month IRA Certificate
$0
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

IRA Certificate

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate Account
$0
3.00% ▲ 0.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
Bump CD - 48 Months
$0
3.00% ▲ 0.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

APY* (min. balance $100,000)

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
48 Month Certificate
$0
2.90% ▲ 0.13% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
4 Year IRA Certificate
$0
2.85% ▲ 0.08% above national avg
Rate2.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
4-Year Certificate
$0
2.85% ▲ 0.08% above national avg
Rate2.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
48 Month Certificate
$0
2.85% ▲ 0.08% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
48 Month Fixed Rate Time Deposit
$0
2.85% ▲ 0.08% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
48 Month Time Deposit
$0
2.85% ▲ 0.08% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
601 Williams Blvd, Richland, WA 99354
Commercial 48 Month
$0
2.85% ▲ 0.08% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

Express Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.62%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
48 Month Certificate
$0
2.85% ▲ 0.08% above national avg
Rate2.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

Express Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.62%
1930 6th Ave S Ste 104, Seattle, WA 98134 1627
48 Month Single Deposit CD
$0
2.85% ▲ 0.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

Balance: $100-$49,999

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate Account
$0
2.85% ▲ 0.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

APY* (min. balance $500)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
48 Month Fixed CD
$0
2.85% ▲ 0.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details

Balance: $500 - $49,999.99

Washington 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week

The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates 5 Year
$100,000
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Share Certificate
$100,000
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 60 Month CD
$500
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
41 W Riverside Ave, Spokane, WA 99201
60 Month Promo CD
$500
3.90% ▲ 1.06% above national avg
Rate3.84%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
60 Month Certificate Account
$0
3.85% ▲ 1.01% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
60 Month IRA Certificate
$0
3.85% ▲ 1.01% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Share Certificates - 60 Months
$0
3.85% ▲ 1.01% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
478 2nd St SE, E Wenatchee, WA 98802
60 Month Term Certificate
$0
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Share Certificate
$1,000
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
703 Broadway St Ste 100, Vancouver, WA 98660
5 Year Certificate
$500
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Tiered Rates

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 60 Months
$0
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Minimum balance $100,000

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
60 Month Certificate
$1,000
3.55% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $25,000.00 to $99,999.99

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
60 Month IRA
$500
3.55% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $25,000.00 to $99,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 60 Months
$0
3.55% ▲ 0.71% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details

Minimum balance $50,000

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
60 Month Share Certificate Account
$0
3.55% ▲ 0.71% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details

Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2502 Colby Ave, Everett, WA 98201
60-Mo. Term
$1,000
3.51% ▲ 0.67% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14610 E Sprague Ave, Spokane Valley, WA 99216
60 Month IRA Certificate
$0
3.50% ▲ 0.66% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 60 Months
$0
3.50% ▲ 0.66% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

APY applies to minimum balance $100,000

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
5 Year Jumbo Certificates of Deposit
$50,000
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

Bump Option: Eligible

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
60 Month Share Certificate Accounts and IRA Share Certificates
$0
3.49% ▲ 0.65% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
5 Year Certificate
$0
3.40% ▲ 0.56% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA CD - 60 Months
$0
3.35% ▲ 0.51% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details

Minimum balance $500

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1451 15th St, Clarkston, WA 99403
60 Month CERTIFICATES (Includes IRA Certificates)
$0
3.35% ▲ 0.51% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details

Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
14444 124th Ave NE, Kirkland, WA 98034
60 Month Business Certificate
$0
3.30% ▲ 0.46% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
60 Month Certificate
$0
3.30% ▲ 0.46% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $0.01 -$49,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 60 Months
$0
3.30% ▲ 0.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details

APY applies to minimum balance $50,000

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
303 NE Thornton PL, Seattle, WA 98125
5 Year Certificates
$1,000
3.30% ▲ 0.46% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details

Bump Option: Eligible

Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
155 Washington Ave, Bremerton, WA 98337 5606
Share, Traditional & ROTH IRA Certificate - 60 Month
$500
3.30% ▲ 0.46% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6115 NE 114th Ave, Vancouver, WA 98662
5 Year Certificates
$0
3.29% ▲ 0.45% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5 Year IRA Certificate
$0
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5-Year Certificate
$0
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
60 Month Certificate Account
$0
3.25% ▲ 0.41% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details

APY* (min. balance $100,000)

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
825 Goethals Dr, Richland, WA 99352
60 Month Fixed CD
$0
3.25% ▲ 0.41% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details

Balance: $100,000 and over

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5 Year IRA Certificate
$0
3.20% ▲ 0.36% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5-Year Certificate
$0
3.20% ▲ 0.36% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5 Year IRA Certificate
$0
3.15% ▲ 0.31% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
19802 62nd Ave S, Kent, WA 98032 4009
5-Year Certificate
$0
3.15% ▲ 0.31% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details

Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
14444 124th Ave NE, Kirkland, WA 98034
60 Month Business Certificate
$0
3.15% ▲ 0.31% above national avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.31% above avg
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Washington Institutions

Highest verified APYs available today, updated September 21, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
GBC International Bank
18 Month Platinum TCD
A+ 5.0 ★ TX: 1.11%
Min: $0
4.18%
Pacific Crest SB
2 Year Certificate
A+ 5.0 ★ TX: 3.40%
Min: $0
4.15%
Yakima Federal S&L
18-Month CD
A+ 5.0 ★ TX: 0.47%
Min: $0
4.10%
Cornerstone Capital Bank, SSB
Consumer 12 Month CD
B- 4.3 ★ TX: 23.44%
Min: $500
3.90%
CU Top 5 Credit Union Rates
Spokane Media Federal Credit Union
Balance Certificate Builder - 1 Year
A+ 5.0 ★ TX: 1.15%
Min: $0
5.12%
Horizon Credit Union
18-Month Certificate
A+ 5.0 ★ TX: 0.84%
Min: $0
5.00%
Gesa Credit Union
IRA CD - 18 Months
A+ 5.0 ★ TX: 5.39%
Min: $0
4.60%
Topeka Firemens Credit Union
1 Year Share Certificates
A+ 5.0 ★ TX: 0.00%
Min: $0
4.55%
Progressions Credit Union
12 Month Youth Certificates
A+ 5.0 ★ TX: 0.70%
Min: $0
4.50%
Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Washington CD Rate Trends

Compare local Washington CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Washington CD Trends
12-Month CD WA Avg
2.952%
▲ 0.030 vs 7 days ago

Washington 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD WA Avg
2.767%
▲ 0.021 vs 7 days ago

Washington 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

WA CD Rate Forecast, Next 12 Months

Where are Washington CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WA 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Washington average 12-month CD APY in our database.

Spread model: The Washington 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at WA CD Rates Today

Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.

CD Term WA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.065% $103.23 $206.46 $516.15 $1,032.30
6-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
12-Month CD 2.952% $147.58 $295.15 $737.88 $1,475.75
18-Month CD 2.818% $140.91 $281.82 $704.55 $1,409.10
24-Month CD 2.841% $142.07 $284.14 $710.35 $1,420.70
36-Month CD 2.765% $138.25 $276.49 $691.23 $1,382.45
48-Month CD 2.770% $138.48 $276.97 $692.43 $1,384.85
60-Month CD 2.844% $142.22 $284.44 $711.10 $1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026.

Sample CD Ladder for Washington Savers

$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit WA Avg APY Annual Earnings
1 3-Month CD $5,000 2.065% $103.23
2 6-Month CD $5,000 2.767% $138.33
3 12-Month CD $5,000 2.952% $147.58
4 24-Month CD $5,000 2.841% $142.07
5 36-Month CD $5,000 2.765% $138.25
Total ($25,000 invested) $25,000 2.678% blended $669.46/yr

Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,282
CD Rates
Tracked in Washington
18 Banks 63 Credit Unions

About Our Washington CD Rate Database

MonitorBankRates tracks 1,282 CD rates from 18 banks and 63 credit unions with locations in Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Spokane Media Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Washington.

How to Find the Best CD Rates in Washington

What to compare when shopping for a CD in Washington

To find the best APYs in Washington, start with credit unions and online-only banks: Washington has 63 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Washington

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Washington: 81 institutions here report CD rates

Consider an Alternative If…

Washington Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.6%
National avg: 17.3%
Median Individual Earnings
$54,551
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$161/yr
At WA 12-mo avg 2.952% APY

16.6% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 2.952%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $161 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Washington

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Washington

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Washington typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Washington as everywhere in the U.S.

Choosing a CD Term in Washington

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Washington savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD - 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Year Retirement Liquid Share Certificates at 4.10% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Washington Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Washington saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Washington

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Washington CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Washington

Most CDs carry a fixed rate that is locked for the entire term, protecting a Washington depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Washington

Are CD rates in Washington FDIC insured?

Yes, most established banks in Washington are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Washington?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Washington.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Washington may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Washington?

Here are recent top rates found for this area:
  • Spokane Media Federal Credit Union: 5.12% APY (Balance Certificate Builder - 1 Year)
  • Horizon Credit Union: 5.00% APY (18-Month Certificate)
  • Gesa Credit Union: 4.60% APY (IRA CD - 18 Months)
  • Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
  • Progressions Credit Union: 4.50% APY (12 Month Youth Certificates)
  • Alaska Air Group Federal Credit Union: 4.33% APY (1 Year Share Certificates)
  • Austin Capital Bank: 4.32% APY (3 Month CD)
  • Ukrainian Federal Credit Union: 4.25% APY (3 Year Certificates)
  • Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
  • GBC International Bank: 4.18% APY (18 Month Platinum TCD)
Rates reflect recent verified offers available in Washington. Last Updated: September 21, 2026

Washington CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Washington CD Rates by Term

Verified September 21, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Washington. Averages shown use the Washington state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Washington CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Washington. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026

Washington Rates & Resources

Cities in Washington

  • Aberdeen
  • Acme
  • Addy
  • Adna
  • Airway Heights
  • Albion
  • Allyn
  • Almira
  • Amanda Park
  • Amboy
  • Anacortes
  • Anatone
  • Anderson Island
  • Appleton
  • Ardenvoir
  • Ariel
  • Arlington
  • Ashford
  • Asotin
  • Auburn
  • Bainbridge Island
  • Baring
  • Battle Ground
  • Bay Center
  • Beaver
  • Belfair
  • Bellevue
  • Bellingham
  • Belmont
  • Benge
  • Benton City
  • Beverly
  • Bickleton
  • Bingen
  • Black Diamond
  • Blaine
  • Blakely Island
  • Bothell
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  • Boyds
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  • Brewster
  • Bridgeport
  • Brinnon
  • Brownstown
  • Brush Prairie
  • Buckley
  • Bucoda
  • Buena
  • Burbank
  • Burley
  • Burlington
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  • Camano
  • Camas
  • Camp Murray
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  • Carlton
  • Carnation
  • Carrolls
  • Carson
  • Cashmere
  • Castle Rock
  • Cathlamet
  • Centerville
  • Centralia
  • Chattaroy
  • Chehalis
  • Chelan
  • Chelan Falls
  • Cheney
  • Chewelah
  • Chimacum
  • Chinook
  • Cinebar
  • Clallam Bay
  • Clarkston
  • Clayton
  • Cle Elum
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  • Clinton
  • Colbert
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  • College Place
  • Colton
  • Colville
  • Conconully
  • Concrete
  • Connell
  • Conway
  • Copalis Beach
  • Copalis Crossing
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