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CD Rate Trends

Washington Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Washington CD rates range from 0.05% to 5.12% APY, verified by MonitorBankRates as of October 13, 2026. Current Washington CD rates include Spokane Media Federal Credit UnionSpokane Media Federal Credit Union6103 N Astor St, Spokane, WA 99208 8102B+4.8 ★Texas Ratio: 17.28%Real return: +2.32%APY minus CPI (February 2026) offering Balance Certificate Builder - 1 Year at 5.12% APY, IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA 98660 2918A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, Northwest Plus Credit UnionNorthwest Plus Credit Union2821 Hewitt Ave, Everett, WA 98201A+5.0 ★Texas Ratio: 3.16%Real return: +2.03%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.83% APY, Gesa Credit UnionGesa Credit Union825 Goethals Dr, Richland, WA 99352A5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month IRA CD at 4.60% APY, and Austin Capital BankAustin Capital Bank22525 Se 64th Pl Ste 2 Dd, Issaquah, WA 98027A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY. CD rates as of October 13, 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: October 13, 2026

Compare Best CD Rates in Washington

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Washington 3 Month CD Rates

MonitorBankRates Washington Average · 3 Month CD2.32% APY▲ 0.02% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Washington is 2.32% APY, compared with 2.09% nationally, as of October 13, 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
4.58% ▲ 2.26% above Washington avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 2.26% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
3-Month Certificate
$0
4.00% ▲ 1.68% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.68% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.68% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.68% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 3 Month CD
$500
3.85% ▲ 1.53% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.53% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
3 Month Share Certificates
$0
3.82% ▲ 1.50% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▲ 1.50% above avgNationally 2.09%
Details

Balance: $500+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
3.07%3.70%4.32%Sep 12, 2026: 3.57% APYSep 18, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20263.82%▲ from 3.57%
  • Sep 12, 20263.57%first recorded
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6419 Fauntleroy Way SW, Seattle, WA 98136
Share Certificate - 3 Month
$0
3.82% ▲ 1.50% above Washington avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▲ 1.50% above avgNationally 2.09%
Details

Dividends paid monthly; early withdrawal penalty may apply

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
19315 Highway 99, Lynnwood, WA 98036
3 month Fixed
$0
3.60% ▲ 1.28% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▲ 1.28% above avgNationally 2.09%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
320 SW Mt Si Blvd, North Bend, WA 98045
3 Month Certificate
$0
3.55% ▲ 1.23% above Washington avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
117 Aplets Way, Cashmere, WA 98815
3 Month Certificate
$0
3.51% ▲ 1.19% above Washington avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2502 Colby Ave, Everett, WA 98201
3-Mo. Term
$1,000
3.51% ▲ 1.19% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
3 Month Certificate
$500
3.50% ▲ 1.18% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
1301 5th Ave, Seattle, WA 98101
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.18% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.18% above Washington avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
3 Month Certificate
$1,000
3.50% ▲ 1.18% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▲ 1.18% above avgNationally 2.09%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
3 Month IRA Share Certificate
$0
3.45% ▲ 1.13% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.13% above avgNationally 2.09%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
3 Month Share Certificate
$0
3.45% ▲ 1.13% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 1.13% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
2.70%3.33%3.95%Sep 14, 2026: 3.20% APYSep 27, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.45%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
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% ▲ 1.08% above Washington avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.32%▲ 1.08% above avgNationally 2.09%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 90 Day
$2,500
3.40% ▲ 1.08% above Washington avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▲ 1.08% above avgNationally 2.09%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.30% ▲ 0.98% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.98% above avgNationally 2.09%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
19802 62nd Ave S, Kent, WA 98032 4009
3 Month Certificate Term
$0
3.15% ▲ 0.83% above Washington avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.83% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.15% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.83% above avgNationally 2.09%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
19802 62nd Ave S, Kent, WA 98032 4009
3 Month Certificate Term
$0
3.10% ▲ 0.78% above Washington avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.78% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.05% ▲ 0.73% above Washington avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.73% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04% ▲ 0.72% above Washington avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.72% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
19802 62nd Ave S, Kent, WA 98032 4009
3-Month Certificate
$0
3.00% ▲ 0.68% above Washington avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
3 Month Fixed CD
$0
3.00% ▲ 0.68% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$500
3.00% ▲ 0.68% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.68% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.43% above Washington avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.43% above avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
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% ▲ 0.43% above Washington avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.43% above avgNationally 2.09%
Details

Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%

Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 19, 2026: 2.50% APYOct 7, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20262.75%▲ from 2.50%
  • Sep 19, 20262.50%first recorded
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% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
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% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
3 Month Business Certificates
$0
2.50% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 3 Month
$0
2.50% ▲ 0.18% above Washington avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Balance: $500 minimum

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
155 Washington Ave, Bremerton, WA 98337 5606
Traditional 3 Month Certificate
$500
2.50% ▲ 0.18% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.18% above avgNationally 2.09%
Details

Traditional Certificates

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Business Certificate Accounts
$0
2.35% ▲ 0.03% above Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.03% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Sep 22, 2026: 2.35% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificate
$0
2.35% ▲ 0.03% above Washington avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▲ 0.03% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Oct 10, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 10, 2026: 2.35% APYOct 10, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Business Certificate Accounts
$0
2.30% ▼ 0.02% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.02% below avgNationally 2.09%
Details

Balance: $25,000-$74,999

Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 22, 2026: 2.30% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificate
$0
2.30% ▼ 0.02% below Washington avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.02% below avgNationally 2.09%
Details

Balance: $25,000-$74,999

Rate History
No change since Oct 10, 2026 · 2.30% APY
1.80%2.30%2.80%Oct 10, 2026: 2.30% APYOct 10, 2026Oct 13, 2026
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% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
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% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

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

Rate History
1 change since Sep 19, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25%
1.75%2.50%3.25%Sep 19, 2026: 2.75% APYSep 24, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20262.25%▼ from 2.75%
  • Sep 19, 20262.75%first recorded
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3732 Broadway, Everett, WA 98201
3 Month Certificate of Deposit
$500
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

$500.00 minimum to open. Penalty may be applied for early withdrawal. Fees could reduce earnings.

Rate History
No change since Sep 28, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 28, 2026: 2.25% APYSep 28, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Business Certificate Accounts
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Balance: $0-$999

Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 22, 2026: 2.25% APYSep 22, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
90 Day Certificate
$0
2.25% ▼ 0.07% below Washington avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.07% below avgNationally 2.09%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 10, 2026: 2.25% APYOct 10, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1418 15th Ave, Longview, WA 98632
3 Month Certificate
$0
2.10% ▼ 0.22% below Washington avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.32%▼ 0.22% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
3 Month Certificate of Deposit
$1,000
2.00% ▼ 0.32% below Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
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% ▼ 0.32% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
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% ▼ 0.32% below Washington avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.32%▼ 0.32% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
1.80% ▼ 0.52% below Washington avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▼ 0.52% below avgNationally 2.09%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 1.80% APY
1.30%1.80%2.30%Oct 13, 2026: 1.80% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.57% below Washington avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▼ 0.57% below avgNationally 2.09%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.57% below Washington avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.32%▼ 0.57% below avgNationally 2.09%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026

Washington 6 Month CD Rates

MonitorBankRates Washington Average · 6 Month CD3.13% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Washington is 3.13% APY, compared with 2.78% nationally, as of October 13, 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
6 Month CD
$1,000
4.30% ▲ 1.17% above Washington avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 1.17% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
880 108th Avenue Ne, Bellevue, WA 98004
6-Month Promo CD
$10,000
4.15% ▲ 1.02% above Washington avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 1.02% above avgNationally 2.78%
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
6 Month IRA CD
$0
4.10% ▲ 0.97% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.97% above avgNationally 2.78%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
6 Month Share Certificates
$0
4.08% ▲ 0.95% above Washington avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.95% above avgNationally 2.78%
Details

Balance: $500+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 12, 2026: 3.82% APYSep 18, 2026: 4.08% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20264.08%▲ from 3.82%
  • Sep 12, 20263.82%first recorded
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
6 Month Certificate of Deposit
$500
4.06% ▲ 0.93% above Washington avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.06%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
6 Month CD
$1,000
4.05% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
6 Month New Money CD
$1,000
4.05% ▲ 0.92% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 6 month
$50,000
4.05% ▲ 0.92% above Washington avg
View
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.92% above avgNationally 2.78%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
6 Month CD
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
6 Month Online CD
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 6 Month CD
$500
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 6 month
$50,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 6 month
$50,000
4.00% ▲ 0.87% above Washington avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
41 W Riverside Ave, Spokane, WA 99201
6 Month Promo CD
$500
3.95% ▲ 0.82% above Washington avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.82% above avgNationally 2.78%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
6 Month IRA CD
$0
3.95% ▲ 0.82% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.82% above avgNationally 2.78%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
6 Month IRA Certificate
$1,000
3.90% ▲ 0.77% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.77% above avgNationally 2.78%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
6 Month IRA CD
$0
3.80% ▲ 0.67% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
6 Month Business Certificate of Deposit
$1,000
3.80% ▲ 0.67% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 22, 2026: 3.40% APYOct 10, 2026: 3.80% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
6 Month Certificate
$1,000
3.80% ▲ 0.67% above Washington avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.67% above avgNationally 2.78%
Details

Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
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% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

APY(Annual Percentage Yield) is 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.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 W Wishkah St, Aberdeen, WA 98520 6130
6 Month Term Certificates
$0
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $5,000

Rate History
1 change since Sep 21, 2026 · 1.00% → 3.75% ▲ 2.75 pts · high 3.75% / low 1.00%
0.00%3.25%6.50%Sep 21, 2026: 1.00% APYOct 5, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 1.00%
  • Sep 21, 20261.00%first recorded
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 W Wishkah St, Aberdeen, WA 98520 6130
Term Certificates - 6 Months
$0
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $5,000

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 1.00%
0.00%3.25%6.50%Sep 14, 2026: 3.50% APYSep 17, 2026: 1.00% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 1.00%
  • Sep 17, 20261.00%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
6-month Certificate - Wave Club
$500
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
2919 E Mission AVE, Spokane, WA 99202 3624
6 Month Certificates and IRA Certificates
$0
3.75% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500.00 - $10,000.00

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
659 Woodland Square Loop Se, Lacey, WA 98503
6-Month CD
$0
3.75% ▲ 0.62% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
659 Woodland Square Loop Se, Lacey, WA 98503
6-Month Term
$1,000
3.75% ▲ 0.62% above Washington avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.70% ▲ 0.57% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70% ▲ 0.57% above Washington avg
View
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
6 Month Certificate
$0
3.70% ▲ 0.57% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
6 Month IRA Certificate
$0
3.70% ▲ 0.57% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
520 1ST ST, Cheney, WA 99004 1603
6 Month Super Share Certificate
$50,000
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
6 Month Business Share Certificates
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Business Jumbo Certificate
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Minimum balance $100,000

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Jumbo Certificates
$0
3.65% ▲ 0.52% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Unlimited deposits available during term

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.51% above Washington avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.51% above avgNationally 2.78%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
924 W Sinto Ave, Spokane, WA 99201 2531
6 Month BUMP
$500
3.61% ▲ 0.48% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.48% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 22, 2026: 3.61% APYSep 22, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
6 Month Certificate
$500
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 7, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
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% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
19315 Highway 99, Lynnwood, WA 98036
6 month Fixed
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
6 Month Share Certificates
$1,000
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
601 Williams Blvd, Richland, WA 99354
6 Month Certificate
$100
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
601 Williams Blvd, Richland, WA 99354
6 Month IRA Certificate
$100
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
601 Williams Blvd, Richland, WA 99354
Commercial 6 Month
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
6 Month Fixed CD
$0
3.60% ▲ 0.47% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.60% ▲ 0.47% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6419 Fauntleroy Way SW, Seattle, WA 98136
Share Certificate - 6 Month
$0
3.56% ▲ 0.43% above Washington avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.13%▲ 0.43% above avgNationally 2.78%
Details

Dividends paid monthly; early withdrawal penalty may apply

Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 21, 2026: 3.56% APYSep 21, 2026Oct 13, 2026

Washington 12 Month CD Rates

MonitorBankRates Washington Average · 12 Month CD3.29% APY▲ 0.04% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Washington is 3.29% APY, compared with 2.99% nationally, as of October 13, 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:
B+4.8 ★Texas Ratio: 17.28%
6103 N Astor St, Spokane, WA 99208 8102
Balance Certificate Builder - 1 Year
$1
5.12% ▲ 1.83% above Washington avg
View
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.83% above avgNationally 2.99%
Details

Balance: $1.00 to $5,000.00; Build via monthly contributions up to $5,000 by maturity; Limit one active Certificate Builder per member; Not available for online purchase

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 5 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83% ▲ 1.54% above Washington avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.54% above avgNationally 2.99%
Details

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.83% ▲ 1.80 pts · high 4.83% / low 3.03%
1.23%3.93%6.63%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.83% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.83%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month First CD
$10,000
4.58% ▲ 1.29% above Washington avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
12 Month CD Special
$1,000
4.50% ▲ 1.21% above Washington avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

Penalties for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
12 Month IRA Certificates
$500
4.50% ▲ 1.21% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

CD SPECIAL

Rate History
1 change since Sep 22, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 22, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 22, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - CD Special 12 months
$500
4.50% ▲ 1.21% above Washington avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
2919 E Mission AVE, Spokane, WA 99202 3624
12 Month Youth Certificates
$0
4.50% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

Balance: $100.00-$2,000.00

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
12 Month IRA CD
$0
4.50% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.21% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
12 Month IRA
$500
4.38% ▲ 1.09% above Washington avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.09% above avgNationally 2.99%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 12 Month
$1,000
4.38% ▲ 1.09% above Washington avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 1.09% above avgNationally 2.99%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
12 Month CD
$1,000
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
12 Month New Money CD
$1,000
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.06% above Washington avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
12 Month IRA CD
$0
4.35% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 1.06% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
1 Year Share Certificates
$0
4.33% ▲ 1.04% above Washington avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 1.04% above avgNationally 2.99%
Details

Balance: $100,000+; Early withdrawal penalties may apply

Rate History
1 change since Sep 12, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 12, 2026: 4.07% APYSep 18, 2026: 4.33% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20264.33%▲ from 4.07%
  • Sep 12, 20264.07%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
12 Month CD
$1,000
4.30% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
12 Month Online CD
$1,000
4.30% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 1 year
$50,000
4.26% ▲ 0.97% above Washington avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.97% above avgNationally 2.99%
Details

Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
3.30%4.03%4.76%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.26% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.26%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
1 Year Share Certificates
$0
4.24% ▲ 0.95% above Washington avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.95% above avgNationally 2.99%
Details

Balance: $500 to $99,999; Early withdrawal penalties may apply

Rate History
No change since Oct 4, 2026 · 4.24% APY · checked 3 times
3.74%4.24%4.74%Oct 4, 2026: 4.24% APYOct 4, 2026Oct 13, 2026
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
1 Year Certificate
$0
4.20% ▲ 0.91% above Washington avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.91% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 8, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
12 Month IRA CD
$0
4.20% ▲ 0.91% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.91% above avgNationally 2.99%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
12 Month Business Certificate of Deposit
$1,000
4.15% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 19, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
12 Month Certificate
$1,000
4.15% ▲ 0.86% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 7, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 7, 20263.75%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 12 Month CD
$500
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
41 W Riverside Ave, Spokane, WA 99201
12 Month Promo CD
$500
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 1 year
$50,000
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 1 year
$50,000
4.15% ▲ 0.86% above Washington avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
1 Year IRA Certificate
$1,000
4.11% ▲ 0.82% above Washington avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.82% above avgNationally 2.99%
Details

Bump Option: Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.11% ▲ 0.45 pts · high 4.11% / low 3.66%
3.16%3.89%4.61%Sep 14, 2026: 3.66% APYOct 10, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.11%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 12 Months
$0
4.10% ▲ 0.81% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.81% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
12 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.05% ▲ 0.76% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 10, 2026: 4.05% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
16001 Aurora Ave N, Shoreline, WA 98133
12 Month Platinum TCD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 3.88% → 4.00% ▲ 0.12 pts · high 4.00% / low 3.88%
3.38%3.94%4.50%Sep 7, 2026: 3.88% APYSep 19, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.00%▲ from 3.88%
  • Sep 7, 20263.88%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
22525 Se 64th Pl Ste 2 Dd, Issaquah, WA 98027
12 Month CD
$1,000
4.00% ▲ 0.71% above Washington avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
118 E Yakima Ave, Yakima, WA 98901
12 Month CD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
12 Month Certificate
$1,000
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
12 Month IRA Wave Club Certificate
$500
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
12-month Certificate - Wave Club
$500
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
12 Month Fixed CD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3213 W 19th Ave, Kennewick, WA 99337
12-Months Term Certificate
$0
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 30, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 30, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
659 Woodland Square Loop Se, Lacey, WA 98503
1-Year CD
$0
4.00% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
659 Woodland Square Loop Se, Lacey, WA 98503
1-Year Term
$1,000
4.00% ▲ 0.71% above Washington avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 12 Months
$0
3.95% ▲ 0.66% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.66% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
12 Months Jumbo Certificate
$100,000
3.93% ▲ 0.64% above Washington avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.29%▲ 0.64% above avgNationally 2.99%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.62% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.62% above Washington avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
1 Year Business Certificate of Deposit
$1,000
3.90% ▲ 0.61% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible

Rate History
1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Sep 22, 2026: 3.45% APYOct 10, 2026: 3.90% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
1 Year Certificate
$1,000
3.90% ▲ 0.61% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Not Eligible

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
12 Month Certificate
$0
3.90% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
12 Month IRA Certificate
$0
3.90% ▲ 0.61% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
12 Month Certificate
$500
3.85% ▲ 0.56% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.29%▲ 0.56% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded

Washington 18 Month CD Rates

MonitorBankRates Washington Average · 18 Month CD3.17% APY▼ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Washington is 3.17% APY, compared with 2.87% nationally, as of October 13, 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:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month IRA CD
$0
4.60% ▲ 1.43% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.43% above avgNationally 2.87%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month IRA CD
$0
4.45% ▲ 1.28% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.28% above avgNationally 2.87%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month IRA CD
$0
4.30% ▲ 1.13% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 1.13% above avgNationally 2.87%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 18 Month CD
$500
4.20% ▲ 1.03% above Washington avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 1.03% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
41 W Riverside Ave, Spokane, WA 99201
18 Month Promo CD
$500
4.20% ▲ 1.03% above Washington avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 1.03% above avgNationally 2.87%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
16001 Aurora Ave N, Shoreline, WA 98133
18 Month Platinum TCD
$0
4.18% ▲ 1.01% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 1.01% above avgNationally 2.87%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
18 Month Term Share
$500
4.15% ▲ 0.98% above Washington avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.98% above avgNationally 2.87%
Details

Special Rate!; Balance: $500 - $4,999; Dividends compounded monthly, credited monthly

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
2.97%3.86%4.74%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.15%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
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% ▲ 0.93% above Washington avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
18 Month Certificate
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
18 Month IRA Certificate
$0
4.10% ▲ 0.93% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.93% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
18 Month Certificate
$1,000
4.05% ▲ 0.88% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.88% above avgNationally 2.87%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.

Rate History
1 change since Sep 19, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 19, 2026: 3.65% APYOct 7, 2026: 4.05% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
18 Month Certificate
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
18-month Certificate Special
$1,000
4.00% ▲ 0.83% above Washington avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.83% above avgNationally 2.87%
Details

Certificate Special

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.78% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
3.95% ▲ 0.78% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.78% above avgNationally 2.87%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
18 Month Share Certificate
$1,000
3.90% ▲ 0.73% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.73% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.17%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
18 Month Certificate
$500
3.85% ▲ 0.68% above Washington avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
18 Months Jumbo Certificate
$100,000
3.80% ▲ 0.63% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.87%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month Fixed CD
$0
3.80% ▲ 0.63% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.63% above avgNationally 2.87%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Pendleton Avenue and North 12th Street, Fort Lewis, WA 98433
18 Month Certificate of Deposit
$500
3.75% ▲ 0.58% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
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% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3732 Broadway, Everett, WA 98201
18 Month Certificate of Deposit
$500
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3732 Broadway, Everett, WA 98201
18 Month IRA Certificate
$500
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
8308 Quinault DR NE, Lacey, WA 98516
18 Month IRA Share Certificates
$1,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
8308 Quinault DR NE, Lacey, WA 98516
Promotional Share Certificates - 18 Months
$5,000
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Opening & Min Balance Req. $5,000+

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3213 W 19th Ave, Kennewick, WA 99337
18-Months Term Certificate
$0
3.75% ▲ 0.58% above Washington avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.58% above avgNationally 2.87%
Details

Rate History
1 change since Sep 30, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 30, 2026: 3.25% APYOct 10, 2026: 3.75% APYSep 30, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.25%
  • Sep 30, 20263.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.53% above Washington avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
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% ▲ 0.53% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
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% ▲ 0.53% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.53% above avgNationally 2.87%
Details

Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 19, 2026: 3.45% APYOct 7, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
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% ▲ 0.48% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.87%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
520 1ST ST, Cheney, WA 99004 1603
18 Month Super Share Certificate
$50,000
3.65% ▲ 0.48% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.48% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
19315 Highway 99, Lynnwood, WA 98036
18 month Fixed
$0
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
18 Month IRA Certificates
$500
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
18 Month Share Certificates
$1,000
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - 18 months
$500
3.60% ▲ 0.43% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit - 18 Months
$0
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
18 Months Certificate
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
520 1ST ST, Cheney, WA 99004 1603
18 Month Share Certificate
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.38% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.38% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1100 Dupont St, Bellingham, WA 98225 3113
18 Month Certificate
$1,000
3.50% ▲ 0.33% above Washington avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1100 Dupont St, Bellingham, WA 98225 3113
18 Month Roth IRA / IRA Certificate
$250
3.50% ▲ 0.33% above Washington avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.17%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
2919 E Mission AVE, Spokane, WA 99202 3624
18 Month Certificates and IRA Certificates
$0
3.50% ▲ 0.33% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average3.17%▲ 0.33% above avgNationally 2.87%
Details

Balance: $500.00 - $10,000.00

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
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% ▲ 0.28% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.28% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 19, 2026: 3.45% APYSep 19, 2026Oct 13, 2026
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% ▲ 0.28% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.17%▲ 0.28% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 19, 2026: 3.45% APYSep 19, 2026Oct 13, 2026

Washington 24 Month CD Rates

MonitorBankRates Washington Average · 24 Month CD2.86% APY▼ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Washington is 2.86% APY, compared with 2.88% nationally, as of October 13, 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
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09% ▲ 2.23% above Washington avg
View
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 2.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 2 year
$50,000
4.46% ▲ 1.60% above Washington avg
View
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.60% above avgNationally 2.88%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
3.14%4.13%5.12%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.46% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.46%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
24 Month CD
$1,000
4.45% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.59% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
24 Month New Money CD
$1,000
4.45% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.59% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
24 Month CD
$1,000
4.40% ▲ 1.54% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.54% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
920 5th Ave, Seattle, WA 98104
24 Month Online CD
$1,000
4.40% ▲ 1.54% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 1.54% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 2 year
$50,000
4.35% ▲ 1.49% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.49% above avgNationally 2.88%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 2 year
$50,000
4.35% ▲ 1.49% above Washington avg
View
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.49% above avgNationally 2.88%
Details

Bump Option: Eligible

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
2 Year IRA Certificate
$1,000
4.31% ▲ 1.45% above Washington avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.45% above avgNationally 2.88%
Details

Bump Option: Eligible

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
3.01%3.99%4.96%Sep 14, 2026: 3.66% APYOct 10, 2026: 4.31% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.31%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month IRA CD
$0
4.30% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.44% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 24 Month CD
$500
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
2 Year Certificate
$0
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 8, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
41 W Riverside Ave, Spokane, WA 99201
24 Month Promo CD
$500
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25% ▲ 1.39% above Washington avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Balance: $0-$999

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month IRA CD
$0
4.15% ▲ 1.29% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.29% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.24% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
2 Year Business Certificate of Deposit
$1,000
4.10% ▲ 1.24% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 22, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
2 Year Certificate
$1,000
4.10% ▲ 1.24% above Washington avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Eligible

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
24 Month Certificate
$0
4.10% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
24 Month IRA Certificate
$0
4.10% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.19% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
24 Month Certificate
$1,000
4.00% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
24 Month IRA Wave Club Certificate
$500
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate - Wave Club
$500
4.00% ▲ 1.14% above Washington avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month IRA CD
$0
4.00% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.14% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
3.95% ▲ 1.09% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.09% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
2 Year Business Share Certificates
$0
3.90% ▲ 1.04% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.86%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 24 Months
$0
3.90% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 1.04% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
24 Month Business Certificate of Deposit
$1,000
3.85% ▲ 0.99% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
24 Month Certificate
$1,000
3.85% ▲ 0.99% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 7, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 7, 20263.50%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
24 Month Term Share (or IRA)
$50,000
3.85% ▲ 0.99% above Washington avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 0.99% above avgNationally 2.88%
Details

Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.85% ▲ 0.29 pts · high 3.85% / low 3.56%
3.06%3.71%4.35%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
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% ▲ 0.94% above Washington avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month Fixed CD
$0
3.80% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.94% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
24 Months Jumbo Certificate
$100,000
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
24 Month Term Share (or IRA)
$5,000
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Balance: $5,000 - $49,999; Dividends compounded monthly, credited monthly; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.75% ▲ 0.19 pts · high 3.75% / low 3.56%
3.06%3.66%4.25%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
24 Month IRA Certificate
$500
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
24-month Certificate
$500
3.75% ▲ 0.89% above Washington avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 24 Months
$0
3.75% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.89% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.84% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 0.84% above avgNationally 2.88%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
520 1ST ST, Cheney, WA 99004 1603
24 Month Super Share Certificate
$50,000
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
24 Month Term Share (or IRA)
$500
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Balance: $500 - $4,999; Dividends compounded monthly, credited monthly

Rate History
1 change since Sep 21, 2026 · 3.56% → 3.65% ▲ 0.09 pts · high 3.65% / low 3.56%
3.06%3.61%4.15%Sep 21, 2026: 3.56% APYOct 9, 2026: 3.65% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month Fixed CD
$0
3.65% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
24 Month IRA Share Certificate
$0
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
24 Month Share Certificate
$0
3.65% ▲ 0.79% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.79% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
24 Month IRA
$500
3.61% ▲ 0.75% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 0.75% above avgNationally 2.88%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 24 Month
$1,000
3.61% ▲ 0.75% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.86%▲ 0.75% above avgNationally 2.88%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.74% above Washington avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.86%▲ 0.74% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit - 24 Months
$0
3.60% ▲ 0.74% above Washington avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.86%▲ 0.74% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026

Washington 36 Month CD Rates

MonitorBankRates Washington Average · 36 Month CD2.71% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Washington is 2.71% APY, compared with 2.81% nationally, as of October 13, 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
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 36 Month CD
$500
4.25% ▲ 1.54% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.54% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
36 Month Certificate
$0
4.20% ▲ 1.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
36 Month IRA Certificate
$0
4.20% ▲ 1.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.44% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.44% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.39% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.39% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.34% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.29% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
3.95% ▲ 1.24% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 1.24% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$50,000
3.90% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61%
3.11%3.76%4.40%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
3 Year Business Share Certificates
$0
3.90% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 1.19% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
36 Month Business Certificate of Deposit
$1,000
3.85% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
36 Month Certificate
$1,000
3.85% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 7, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 7, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 7, 20263.50%first recorded
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% ▲ 1.14% above Washington avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
36 Months Jumbo Certificate
$100,000
3.80% ▲ 1.09% above Washington avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$5,000
3.80% ▲ 1.09% above Washington avg
View
▼
Rate3.74%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 1.09% above avgNationally 2.81%
Details

Balance: $5,000 - $49,999; Dividends compounded monthly, credited monthly; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.80% ▲ 0.19 pts · high 3.80% / low 3.61%
3.11%3.71%4.30%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
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% ▲ 1.04% above Washington avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details

$2,500 - $99,999

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
36 Month IRA CD
$0
3.75% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
930 N Howard St, Spokane, WA 99201
36 Month Term Share (or IRA)
$500
3.70% ▲ 0.99% above Washington avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.99% above avgNationally 2.81%
Details

Balance: $500 - $4,999; Dividends compounded monthly, credited monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.70% ▲ 0.09 pts · high 3.70% / low 3.61%
3.11%3.66%4.20%Sep 14, 2026: 3.61% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month IRA Certificate
$100,000
3.65% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit - 36 Months
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
36 Month IRA Share Certificate
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
36 Month Share Certificate
$0
3.65% ▲ 0.94% above Washington avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.94% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
36 Month IRA
$500
3.61% ▲ 0.90% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 36 Month
$1,000
3.61% ▲ 0.90% above Washington avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.90% above avgNationally 2.81%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month Clubhouse Certificates
$250
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Youth program for members ages birth to 18; Penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month IRA Certificates
$500
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
36 Month Share Certificates
$1,000
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Clubhouse Certificates - 36 months
$250
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Youth program: Credit Union Clubhouse for members ages birth to 18; Membership eligibility required; Penalties for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
IRA Certificates - 36 months
$500
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 3 year
$50,000
3.60% ▲ 0.89% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
36 Months Certificate
$500
3.55% ▲ 0.84% above Washington avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
36 Month IRA CD
$0
3.55% ▲ 0.84% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificate of Deposit
$500
3.54% ▲ 0.83% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 3.54% APY · checked 4 times
3.04%3.54%4.04%Sep 30, 2026: 3.54% APYSep 30, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
3 Year IRA Certificate
$1,000
3.51% ▲ 0.80% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.80% above avgNationally 2.81%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month IRA Certificate
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 2, 2026: 3.25% APYOct 7, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Oct 2, 20263.25%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
36 Month Certificate
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Pacific Northwest (PNW) Certificate

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 36 Months
$0
3.50% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 3 year
$50,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 3 year
$50,000
3.50% ▲ 0.79% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2419 Pacific Ave SE, Olympia, WA 98501
SHARE CERTIFICATES - 36 Month
$500
3.45% ▲ 0.74% above Washington avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.71%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month Certificate of Deposit
$100,000
3.40% ▲ 0.69% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
36 Month IRA Certificate
$100,000
3.40% ▲ 0.69% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 0.69% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.40% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.40%▼ from 3.50%
  • Oct 2, 20263.50%first recorded

Washington 48 Month CD Rates

MonitorBankRates Washington Average · 48 Month CD2.61% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Washington is 2.61% APY, compared with 2.80% nationally, as of October 13, 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
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
48 Month Certificate
$0
4.20% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
48 Month IRA Certificate
$0
4.20% ▲ 1.59% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month IRA Certificate
$100,000
3.90% ▲ 1.29% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.29% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
401 Union Street, Seattle, WA 98101
48 Month Business Certificate of Deposit
$1,000
3.85% ▲ 1.24% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details

All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
48 Months Jumbo Certificate
$100,000
3.85% ▲ 1.24% above Washington avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month IRA Certificate
$1,000
3.75% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month IRA CD
$0
3.75% ▲ 1.14% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
48 Month IRA Share Certificate
$0
3.70% ▲ 1.09% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
48 Month Share Certificate
$0
3.70% ▲ 1.09% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Certificate of Deposit
$100,000
3.65% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month IRA Certificate
$100,000
3.65% ▲ 1.04% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
48 Months Certificate
$500
3.60% ▲ 0.99% above Washington avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 4 year
$50,000
3.60% ▲ 0.99% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month IRA CD
$0
3.55% ▲ 0.94% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.94% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
4 Year IRA Certificate
$1,000
3.51% ▲ 0.90% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.90% above avgNationally 2.80%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month IRA Certificate
$1,000
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
48 Month Certificate
$1,000
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.50% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 4 year
$50,000
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 4 year
$50,000
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2419 Pacific Ave SE, Olympia, WA 98501
SHARE CERTIFICATES - 48 Month
$500
3.50% ▲ 0.89% above Washington avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
48 Month IRA
$500
3.45% ▲ 0.84% above Washington avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 48 Month
$0
3.45% ▲ 0.84% above Washington avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.79% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.79% above Washington avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2502 Colby Ave, Everett, WA 98201
48 Month IRA Certificate
$0
3.35% ▲ 0.74% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

IRA Certificate Rates; $1,000+; Compounds & Credits: Monthly

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2502 Colby Ave, Everett, WA 98201
48-Mo. Term
$1,000
3.35% ▲ 0.74% above Washington avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month IRA CD
$0
3.35% ▲ 0.74% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.30% ▲ 0.69% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
4 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
4 Year Certificate
$1,000
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

Eligible

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1451 15th St, Clarkston, WA 99403
48 Month Certificate
$0
3.30% ▲ 0.69% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
48 Month Certificate of Deposit
$500
3.29% ▲ 0.68% above Washington avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 30, 2026: 3.29% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
48 Month Certificate of Deposit
$1,000
3.25% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
48 Month Certificate
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
48 Month Certificate
$0
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
48 Month IRA Wave Club Certificate
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate - Wave Club
$500
3.25% ▲ 0.64% above Washington avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

Wave Club

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month Fixed CD
$0
3.25% ▲ 0.64% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
19315 Highway 99, Lynnwood, WA 98036
48 month Fixed
$0
3.20% ▲ 0.59% above Washington avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.59% above avgNationally 2.80%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
155 Washington Ave, Bremerton, WA 98337 5606
Traditional 48 Month Certificate
$500
3.20% ▲ 0.59% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.59% above avgNationally 2.80%
Details

Traditional Certificates

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 48 Months
$0
3.10% ▲ 0.49% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.49% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month Fixed CD
$0
3.05% ▲ 0.44% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.44% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
520 1ST ST, Cheney, WA 99004 1603
48 Month IRA Share Certificate
$2,000
3.03% ▲ 0.42% above Washington avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.42% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 3.04% → 3.03% ▼ 0.01 pts · high 3.04% / low 3.03%
2.53%3.04%3.54%Sep 12, 2026: 3.04% APYOct 4, 2026: 3.03% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.03%▼ from 3.04%
  • Sep 12, 20263.04%first recorded
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1100 Dupont St, Bellingham, WA 98225 3113
4-Year Certificate
$1,000
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1100 Dupont St, Bellingham, WA 98225 3113
4-Year Roth IRA / IRA Certificate
$250
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
48 Month IRA Certificate
$500
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
11201 SE 8th St, Bellevue, WA 98004 6420
48-month Certificate
$500
3.00% ▲ 0.39% above Washington avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
48 Month Certificate Accounts
$100,000
3.00% ▲ 0.39% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded

Washington 60 Month CD Rates

MonitorBankRates Washington Average · 60 Month CD2.79% APY▲ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Washington is 2.79% APY, compared with 2.90% nationally, as of October 13, 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
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
41 W Riverside Ave, Spokane, WA 99201
60 Month Promo CD
$500
4.30% ▲ 1.51% above Washington avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.79%▲ 1.51% above avgNationally 2.90%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Consumer 60 Month CD
$500
4.25% ▲ 1.46% above Washington avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.79%▲ 1.46% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
60 Month Certificate
$0
4.20% ▲ 1.41% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
60 Month IRA Certificate
$0
4.20% ▲ 1.41% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.36% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month IRA Certificate
$100,000
4.15% ▲ 1.36% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.31% above Washington avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.26% above Washington avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Certificate of Deposit
$1,000
4.00% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month IRA Certificate
$1,000
4.00% ▲ 1.21% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 1.21% above Washington avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
3.95% ▲ 1.16% above Washington avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.16% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 1.16% above Washington avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Certificate of Deposit
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month IRA Certificate
$100,000
3.90% ▲ 1.11% above Washington avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
5 Year Business Share Certificates
$0
3.90% ▲ 1.11% above Washington avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 1.11% above Washington avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.79%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
60 Months Jumbo Certificate
$100,000
3.87% ▲ 1.08% above Washington avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 1.08% above avgNationally 2.90%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87%
3.37%3.90%4.43%Oct 8, 2026: 3.93% APYOct 12, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.87%▼ from 3.93%
  • Oct 8, 20263.93%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
555 Pacific Ave, Bremerton, WA 98337
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.06% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 1.06% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3120 139th Ave SE Ste 180, Bellevue, WA 98005
60 Month IRA Certificate
$1,000
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
60 Month IRA CD
$0
3.75% ▲ 0.96% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.96% above avgNationally 2.90%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
60 Month IRA Share Certificate
$0
3.70% ▲ 0.91% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.91% above avgNationally 2.90%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
60 Month Share Certificate
$0
3.70% ▲ 0.91% above Washington avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.91% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
60 Month IRA Certificates
$500
3.68% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.89% above avgNationally 2.90%
Details

Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
60 Month Share Certificates
$500
3.68% ▲ 0.89% above Washington avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.89% above avgNationally 2.90%
Details

Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
796 Commerce Ave, Longview, WA 98632 2459
60 Months Certificate
$500
3.62% ▲ 0.83% above Washington avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.83% above avgNationally 2.90%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62%
3.12%3.65%4.18%Oct 8, 2026: 3.68% APYOct 12, 2026: 3.62% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.62%▼ from 3.68%
  • Oct 8, 20263.68%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 5 year
$50,000
3.60% ▲ 0.81% above Washington avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.81% above avgNationally 2.90%
Details

Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
60 Month IRA
$500
3.55% ▲ 0.76% above Washington avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
201 N Mullan Rd, Spokane Valley, WA 99206 3790
Certificates - 60 Month
$1,000
3.55% ▲ 0.76% above Washington avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

Balance: 1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
60 Month IRA CD
$0
3.55% ▲ 0.76% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.76% above avgNationally 2.90%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2502 Colby Ave, Everett, WA 98201
60 Month IRA Certificate
$0
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

IRA Certificate Rates; $1,000+; Compounds & Credits: Monthly

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2502 Colby Ave, Everett, WA 98201
60-Mo. Term
$1,000
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
5 Year IRA Certificate
$1,000
3.51% ▲ 0.72% above Washington avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.72% above avgNationally 2.90%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3732 Broadway, Everett, WA 98201
60 Month Certificate of Deposit
$500
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3732 Broadway, Everett, WA 98201
60 Month IRA Certificate
$500
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

$500.00 minimum balance required to obtain APY. Rates and APY's assume that all principal and interest remain on deposit for entire term. Penalty may be applied for early withdrawal. Rates may change after the account is opened. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
14610 E Sprague Ave, Spokane Valley, WA 99216
60 Month Certificate
$1,000
3.50% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 60 Months
$0
3.50% ▲ 0.71% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Business Jumbo Certificate of Deposit - 5 year
$50,000
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
Jumbo Certificate of Deposit - 5 year
$50,000
3.50% ▲ 0.71% above Washington avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.71% above avgNationally 2.90%
Details

Bump Option: Eligible

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.61% above Washington avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.79%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
60 Month IRA CD
$0
3.35% ▲ 0.56% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.56% above avgNationally 2.90%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1451 15th St, Clarkston, WA 99403
60 Month Certificate
$0
3.35% ▲ 0.56% above Washington avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
60 Month Certificate
$0
3.30% ▲ 0.51% above Washington avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.79%▲ 0.51% above avgNationally 2.90%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA Bump CD - 60 Months
$0
3.30% ▲ 0.51% above Washington avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.51% above avgNationally 2.90%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
5 Year Business Certificate of Deposit
$1,000
3.30% ▲ 0.51% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.51% above avgNationally 2.90%
Details

Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
5 Year Certificate
$1,000
3.30% ▲ 0.51% above Washington avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.79%▲ 0.51% above avgNationally 2.90%
Details

Eligible

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
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 October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
Cornerstone Capital Bank, SSB
Consumer 24 Month CD
A+ 5.0 ★ TX: 3.21%
Min: $500
4.25%
Pacific Crest SB
2 Year Certificate
A+ 5.0 ★ TX: 3.40%
Min: $0
4.25%
GBC International Bank
18 Month Platinum TCD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.18%
CU Top 5 Credit Union Rates
Spokane Media Federal Credit Union
Balance Certificate Builder - 1 Year
B+ 4.8 ★ TX: 17.28%
Min: $1
5.12%
IQ Credit Union
24 Month Second CD
A+ 5.0 ★ TX: 5.25%
Min: $10,000
5.09%
Northwest Plus Credit Union
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 3.16%
Min: $500
4.83%
Gesa Credit Union
18 Month IRA CD
A 5.0 ★ TX: 6.57%
Min: $0
4.60%
Governmental Employees Credit Union
12 Month CD Special
A 5.0 ★ TX: 6.09%
Min: $1,000
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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
3.293%
▲ 0.036 vs 7 days ago

Washington 12-month CD rates rose 0.036 points over the past 7 days to 3.293% APY.

6-Month CD WA Avg
3.127%
▲ 0.011 vs 7 days ago

Washington 6-month CD rates rose 0.011 points over the past 7 days to 3.127% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

WA CD Rate Forecast, Next 12 Months

Where are Washington CD rates headed through October 2027?

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

WA 12-Month Avg APY
3.293%
6-Month Forecast
3.293%
Range: 3.09%, 3.44%
12-Month Forecast
3.543%
Range: 3.34%, 3.69%

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 1.08% 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.

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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 2.323% $116.16 $232.31 $580.78 $1,161.55
6-Month CD 3.127% $156.35 $312.69 $781.72 $1,563.45
12-Month CD 3.293% $164.66 $329.32 $823.30 $1,646.60
18-Month CD 3.173% $158.63 $317.26 $793.15 $1,586.30
24-Month CD 2.862% $143.11 $286.21 $715.53 $1,431.05
36-Month CD 2.710% $135.52 $271.03 $677.58 $1,355.15
48-Month CD 2.613% $130.64 $261.27 $653.18 $1,306.35
60-Month CD 2.790% $139.51 $279.01 $697.53 $1,395.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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 2.323% $116.16
2 6-Month CD $5,000 3.127% $156.35
3 12-Month CD $5,000 3.293% $164.66
4 24-Month CD $5,000 2.862% $143.11
5 36-Month CD $5,000 2.710% $135.52
Total ($25,000 invested) $25,000 2.863% blended $715.80/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.

Powered byMonitorBankRates
1,451
CD Rates
Tracked in Washington
24 Banks 61 Credit Unions

About Our Washington CD Rate Database

MonitorBankRates tracks 1,451 CD rates from 24 banks and 61 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 to 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 $1. 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 61 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: 85 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
$180/yr
At WA 12-mo avg 3.293% 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 3.293%, saving 10% of the local median salary ($5,455/year) and putting it in a CD would earn an additional $180 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 to 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, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Idaho Central Credit Union is offering its 60 Month Promo CD at 4.30% 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)
  • IQ Credit Union: 5.09% APY (24 Month Second CD)
  • Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
  • Gesa Credit Union: 4.60% APY (18 Month IRA CD)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Governmental Employees Credit Union: 4.50% APY (12 Month CD Special)
  • Progressions Credit Union: 4.50% APY (12 Month Youth Certificates)
  • Seattle Metropolitan Credit Union: 4.46% APY (IRA Jumbo Certificate 2 year)
  • HSBC Bank USA: 4.45% APY (24 Month CD)
  • Horizon Credit Union: 4.38% APY (12 Month IRA)
Rates reflect recent verified offers available in Washington. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Washington CD Rates by Term

Verified October 13, 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.

CD Calculators for Washington

Washington CD Calculator

At today’s WA top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

Washington CD Ladder

WA CD rates currently range from 2.323% (3-month) to 2.710% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Washington CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Washington’s average 12-month CD is 3.293% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

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: October 13, 2026

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Cities in Washington

  • Aberdeen
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