CD Rates Gig Harbor, Washington (WA) for April 2026

Gig Harbor, WA CD Rate Trends

Compare local Gig Harbor, WA 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.

Washington 12-month CD rates currently average 2.950% APY based on data from institutions in our monitoring network.

Washington 6-month CD rates currently average 2.608% APY based on data from institutions in our monitoring network.

WA CD Rate Forecast — Next 12 Months

Where are Washington CD rates headed through April 2027?

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

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 1.43% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Sample CD Ladder for Gig Harbor, 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.

About Our Gig Harbor, Washington CD Rate Database

MonitorBankRates tracks CD rates from 18 banks and 46 credit unions with locations in Gig Harbor, Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

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

Current top rate: TAPCO Credit Union offers a CD at 3.82% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Gig Harbor, Washington.