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Lake Stevens, Washington Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Current Lake Stevens, Washington CD rates include Gesa Credit UnionGesa Credit Union623 State Route 9 NE, Lake Stevens, WA 98258A+5.0 ★Texas Ratio: 5.39%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD - 18 Months at 4.60% APY, Global Federal Credit UnionGlobal Federal Credit Union303 91St Ave NE Ste E502, Lake Stevens, WA 98258A5.0 ★Texas Ratio: 9.46%Real return: +0.50%APY minus CPI (February 2026) offering 60 Month Business Certificate at 3.30% APY, Wells FargoWells Fargo309 91st Ave Ne, Lake Stevens, WA 98258A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Interest Rate at 1.51% APY, BECU Boeing Employees Credit UnionBECU Boeing Employees Credit Union303 91st Ave NE, Lake Stevens, WA 98258A+5.0 ★Texas Ratio: 2.15%Real return: -1.65%APY minus CPI (February 2026) offering 60 Month Business CD at 1.15% APY, and Spokane Media Federal Credit UnionSpokane Media Federal Credit UnionA+5.0 ★Texas Ratio: 1.15%Real return: +2.32%APY minus CPI (February 2026) offering Balance Certificate Builder - 1 Year at 5.12% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Lake Stevens has 124 local institutions in our database, with CD rates as high as 4.60% APY from Gesa Credit Union at 623 State Route 9 NE, Lake Stevens, WA 98258. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Lake Stevens, Washington & the Surrounding Area
Lake Stevens 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
3 Month Certificate Accounts
$0
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 3 Months
$0
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
3 Month Certificate Accounts
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 3 Months
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
3 Month Certificate Accounts
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 3 Months
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
APY* (min. balance $500)
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 3 Month CD
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.79% above avg
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Share Certificates
$0
3.82%
▲ 1.76% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.76% above avg
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Certificate - 3 Month
$0
3.82%
▲ 1.76% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.76% above avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
3 Month Certificate Account
$500
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Rates up to 3.75% APY. Tiered Rates. Automatic renewal at current market rates.
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 Month Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.54% above avg
Details
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
3 Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.49% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3-Mo. Term
$1,000
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.45% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 90 Day Fixed Rate Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
$100,000+
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Month IRA Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
90 Day Certificate
$2,500
3.40%
▲ 1.34% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details
Balance: $25,000.00 to $99,999.99
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Share Certificate Account
$0
3.20%
▲ 1.14% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.14% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Share Certificate Accounts and IRA Share Certificates
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 3-Month CD
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.98% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
90 Day Certificate
$500
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.69% above avg
Details
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.69% above avg
Details
Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
3 Month Business Certificates
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.44% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
3 Month Certificate
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.44% above avg
Details
Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 3 Month Certificate
$500
2.50%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.44% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Business Certificate of Deposit
$0
2.35%
▲ 0.29% above national avg
▼
Rate2.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.29% above avg
Details
Balance: $75,000+
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Certificates of Deposit - personal and business
$0
2.35%
▲ 0.29% above national avg
▼
Rate2.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.29% above avg
Details
Balance: $75,000+
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Business Certificate of Deposit
$0
2.30%
▲ 0.24% above national avg
▼
Rate2.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.24% above avg
Details
Balance: $25,000-$74,999
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Certificates of Deposit - personal and business
$0
2.30%
▲ 0.24% above national avg
▼
Rate2.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.24% above avg
Details
Balance: $25,000-$74,999
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY With Checking: 2.75%
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Business Certificate of Deposit
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.19% above avg
Details
Balance: $0-$999
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
90 Day Certificates of Deposit - personal and business
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.19% above avg
Details
Balance: $0-$999
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month Certificate
$0
2.10%
▲ 0.04% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.04% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details
Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Lake Stevens 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 6 Months
$0
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.33% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 6 Months
$0
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 6 Months
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
6 Month Certificate Accounts
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 6 Months
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
6 Month Certificate Accounts
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 6 Months
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
6 Month Certificate Accounts
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 6 Months
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
APY* (min. balance $500)
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.71% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.71% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.72% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.72% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Share Certificates
$0
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.31% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Promo CD
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 6 Month CD
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6-month Certificate | Wave Club
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 Month Certificates and IRA Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500.00 - $9,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Traditional/Roth IRA Certificates
$50,000
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 6 Month
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
6 Month Business Jumbo Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
Jumbo Certificates - 6 Month
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
6 Month IRA Jumbo Certificate
$50,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Bump Option: Not Eligible
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month BUMP
$500
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.84% above avg
Details
Dividends Paid: monthly
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Jumbo Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
$100,000+
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
6 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month CD SPECIAL
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month Share Certificates
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Fixed Rate Time Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month IRA Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Time Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
Commercial 6 Month
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $100,000 and over
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
6 Month Business Jumbo Certificate of Deposit
$50,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
6 Month Jumbo Certificates of Deposit
$50,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Bump Option: Not Eligible
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Certificate - 6 Month
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
6 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month CD
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Annual Percentage Yield.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificates of Deposit
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Lake Stevens 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 12 Months
$0
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.55% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 12 Months
$0
4.35%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.40% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 12 Months
$0
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.25% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 12 Months
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate Accounts
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 12 Months
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 12 Months
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate Accounts
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 12 Months
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 12 Months
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate Accounts
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 12 Months
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 12 Months
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate
$0
3.45%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 12 Months
$0
3.45%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
12 Month Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 12 Months
$0
3.30%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
APY* (min. balance $500)
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
309 91st Ave Ne, Lake Stevens, WA 98258
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Spokane Media Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Balance Certificate Builder - 1 Year
$0
5.12%
▲ 2.17% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.17% above avg
Details
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificates
$0
4.55%
▲ 1.60% above national avg
▼
Rate4.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.60% above avg
Details
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
12 Month Youth Certificates
$0
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.55% above avg
Details
Balance: $100.00-$2,000.00
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1 Year Share Certificates
$0
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.38% above avg
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1 Year Share Certificates
$0
4.24%
▲ 1.29% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.29% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Promo CD
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1 Year Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.15% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Business 12 month
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.10% above avg
Details
Balance: $0-$999
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12 Month Platinum TCD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
GBC 50th Anniversary Special!
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12 Month IRA Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12-month Certificate | Wave Club
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12-month IRA Wave Club Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Retirement Liquid Share Certificates
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 12 Month CD
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year CD
$500
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details
APY effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 12-Month CD
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.87% above avg
Details
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 MONTH CD SPECIAL
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 MONTH IRA CD SPECIAL
$50
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Business Share Certificates
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $250 - $2,500
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Share Certificates
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Share Certificates
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Traditional/Roth IRA Certificates
$50,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 12 Month
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 12 Month
$100,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Solarity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
IRA Certificates (Traditional and Roth) - 12 months
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $10,000 - $74,999.99
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1 Year IRA Jumbo Certificate
$50,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Bump Option: Not Eligible
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
12 Month Business Jumbo Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.92%
Jumbo Certificates - 12 Month
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Harborstone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
1
Lake Stevens 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 18 Months
$0
4.60%
▲ 1.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.78% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 18 Months
$0
4.45%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.63% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 18 Months
$0
4.30%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.48% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
18 Month Certificate Accounts
$0
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 18 Months
$0
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
18 Month Certificate Accounts
$0
3.95%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.13% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 18 Months
$0
3.95%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.13% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
18 Month Certificate Accounts
$0
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 18 Months
$0
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
APY* (min. balance $500)
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Promo CD
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.38% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Platinum TCD
$0
4.18%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.36% above avg
Details
GBC 50th Anniversary Special!
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18-Month CD
$0
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Month IRA Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 18 Month CD
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.93% above avg
Details
$100,000+
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month IRA Share Certificates
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Opening & Min. Balance Req. $1,000
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month Promotional Share Certificates
$5,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Opening & Min Balance Req. 18 Months
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18-month GreenUp Certificate
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate Account
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 18 Months
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
18 Month Certificate of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month CD SPECIAL
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month IRA Certificates
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Share Certificates
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
18 Month Term Share
$50,000
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.74% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA Certificates of Deposit
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.73% above avg
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $500-$19,999.99
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $500-$19,999.99
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Roth IRA / IRA Certificate
$250
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificates and IRA Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
Balance: $500.00 - $9,999.99
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
18 Month Term Share
$5,000
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
18 Month Term Share
$500
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.19%
18 Month Share Certificate
$500
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.53% above avg
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month BUMP
$500
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.48% above avg
Details
Dividends Paid: monthly
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 18 Month Fixed Rate Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.43% above avg
Details
Lake Stevens 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 24 Months
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.46% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 24 Months
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.31% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 24 Months
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 24 Months
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate Accounts
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 24 Months
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 24 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate Accounts
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 24 Months
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 24 Months
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate Accounts
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 24 Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 24 Months
$0
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 24 Months
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
24 Month Certificate
$0
3.10%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 24 Months
$0
3.10%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
APY* (min. balance $500)
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Business 24 month
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details
Balance: $0-$999
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
2 Year Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Certificate
$1,000
4.12%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.28% above avg
Details
With .50% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month IRA
$500
4.12%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.28% above avg
Details
With .50% Bonus*
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Promo CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
24 Month IRA Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24-month Certificate | Wave Club
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24-month IRA Wave Club Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 24 Month CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Jumbo Certificates of Deposit
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
$100,000+
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2 Year IRA Jumbo Certificate
$50,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
Bump Option: Eligible
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24-month Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24-month IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificates of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2 Year Business Jumbo Certificate of Deposit
$50,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2 Year Jumbo Certificates of Deposit
$50,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Bump Option: Eligible
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate Account
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 24 Months
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2 Year IRA Certificates
$1,000
3.66%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.82% above avg
Details
Bump Option: Eligible; 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.
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Certificate
$1,000
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month IRA
$500
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.77% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Lake Stevens 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 36 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 36 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 36 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 36 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 36 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate Accounts
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 36 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 36 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate Accounts
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 36 Months
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 36 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate Accounts
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 36 Months
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.04% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 36 Months
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.04% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
36 Month Certificate
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.16% below avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 36 Months
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.16% below avg
Details
APY* (min. balance $500)
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificates
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
1x Bump Up
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month Certificate
$1,000
4.12%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
With .50% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month IRA
$500
4.12%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
With .50% Bonus*
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 36 Month CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Jumbo Certificates of Deposit
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details
$100,000+
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificates of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate Account
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 36 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month IRA Certificates of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
3 Year Business Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Term Share (or IRA)
$50,000
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.85% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month Certificate
$1,000
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month IRA
$500
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 Month CD SPECIAL
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 Month Clubhouse Certificates
$250
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 Month IRA Certificates
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 Month Share Certificates
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Lake Stevens 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 48 Months
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 48 Months
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 48 Months
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 48 Months
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 48 Months
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate Accounts
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 48 Months
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 48 Months
$0
3.10%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.33% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate Accounts
$0
3.05%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.28% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 48 Months
$0
3.05%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.28% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 48 Months
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate Accounts
$0
2.85%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.08% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 48 Months
$0
2.85%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.08% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.03% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 48 Months
$0
2.80%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.03% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
48 Month Certificate
$0
2.60%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.17% below avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 48 Months
$0
2.60%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.17% below avg
Details
APY* (min. balance $500)
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate Account
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 48 Months
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year IRA Jumbo Certificate
$50,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Bump Option: Eligible
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Share Certificate Account
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year IRA Certificates
$1,000
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.74% above avg
Details
Bump Option: Eligible; 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.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
48 Month IRA Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Bump Option: Eligible
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.19%
48 Month Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Share Certificate Accounts and IRA Share Certificates
$0
3.49%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.72% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000.00 to $24,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
48 Month IRA
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $25,000.00 to $99,999.99
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
4 Year Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.63% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
48-Mo. Term
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Certificates
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Bump Option: Eligible
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month CERTIFICATES (Includes IRA Certificates)
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $0.01-$49,999.99
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48-month Certificate | Wave Club
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48-month IRA Wave Club Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
48 Month Certificate of Deposit
$0
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.43% above avg
Details
Kitsap Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 48 Month Certificate
$500
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.43% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
4-Year Certificate
$1,000
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
4-Year Roth IRA / IRA Certificate
$250
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48-month Certificate
$500
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48-month IRA Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
48 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year IRA Certificate
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Lake Stevens 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 60 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 60 Months
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 60 Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA CD - 60 Months
$0
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details
Minimum balance $500
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
303 91St Ave NE Ste E502, Lake Stevens, WA 98258
60 Month Business Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 60 Months
$0
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate Accounts
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 60 Months
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
APY* (min. balance $100,000)
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
303 91St Ave NE Ste E502, Lake Stevens, WA 98258
60 Month Business Certificate
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.31% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
IRA Bump CD - 60 Months
$0
3.10%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate Accounts
$0
3.05%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.21% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 60 Months
$0
3.05%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.21% above avg
Details
APY* (min. balance $50,000)
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
303 91St Ave NE Ste E502, Lake Stevens, WA 98258
60 Month Business Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 60 Months
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate Accounts
$0
2.85%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.01% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Fixed CD - 60 Months
$0
2.85%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.01% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate
$0
2.80%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.04% below avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 60 Months
$0
2.80%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.04% below avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
60 Month Certificate
$0
2.60%
▼ 0.24% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
623 State Route 9 NE, Lake Stevens, WA 98258
Bump CD - 60 Months
$0
2.60%
▼ 0.24% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
APY* (min. balance $500)
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
303 91st Ave NE, Lake Stevens, WA 98258
60 Month Business CD
$0
1.15%
▼ 1.69% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.69% below avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 5 Year
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 60 Month CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Promo CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate Account
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 60 Months
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year IRA Jumbo Certificate
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Bump Option: Eligible
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 Month IRA
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000.00 to $99,999.99
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Share Certificate Account
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
60-Mo. Term
$1,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year IRA Certificates
$1,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
Bump Option: Eligible; 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.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
60 Month IRA Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
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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.
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Lake Stevens, WA CD Rate Trends
Compare local Lake Stevens, 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.
12-Month CD WA Avg
2.952%
▲ 0.030 vs 7 days ago
Washington 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD WA Avg
2.767%
▲ 0.021 vs 7 days ago
Washington 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WA CD Rate Forecast, Next 12 Months
Where are Washington CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Lake Stevens, 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.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,271
CD Rates
Tracked in Lake Stevens, Washington
Tracked in Lake Stevens, Washington
18 Banks
64 Credit Unions
About Our Lake Stevens, Washington CD Rate Database
MonitorBankRates tracks 1,271 CD rates from 18 banks and 64 credit unions with locations in Lake Stevens, 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: Gesa Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lake Stevens, Washington.
How to Find the Best CD Rates in Lake Stevens, Washington
What to compare when shopping for a CD in Lake Stevens, Washington
To find the best APYs in Lake Stevens, Washington, start with credit unions and online-only banks: Lake Stevens, Washington has 64 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 Lake Stevens, 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 Lake Stevens, Washington: 82 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lake Stevens, Washington savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Lake Stevens, Washington money market rates
Lake Stevens, Washington Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
8.6%
National avg: 17.3%
Median Individual Earnings
$62,592
National avg: $47,340
Poverty Rate
5.2%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$185/yr
At WA 12-mo avg 2.952% APY
8.6% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 2.952%, saving 10% of the local median salary ($6,259/year) and putting it in a CD would earn an additional $185 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 Lake Stevens, Washington
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, Washington as everywhere in the U.S.
Choosing a CD Term in Lake Stevens, 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 Lake Stevens, Washington savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD - 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Gesa Credit Union is offering its IRA CD - 60 Months at 3.75% 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lake Stevens, 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 Lake Stevens, Washington
Are CD rates in Lake Stevens, Washington FDIC insured?
Yes, most established banks in Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, Washington?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.60% APY (IRA CD - 18 Months)
- Global Federal Credit Union: 3.30% APY (60 Month Business Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- BECU Boeing Employees Credit Union: 1.15% APY (60 Month Business CD)
- Spokane Media Federal Credit Union: 5.12% APY (Balance Certificate Builder - 1 Year)
- Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
- Progressions Credit Union: 4.50% APY (12 Month Youth Certificates)
- Alaska Air Group Federal Credit Union: 4.33% APY (1 Year Share Certificates)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Ukrainian Federal Credit Union: 4.25% APY (3 Year Certificates)
Rates reflect recent verified offers available in Lake Stevens, Washington. Last Updated: September 22, 2026
Lake Stevens, 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 Lake Stevens, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lake Stevens, Washington
Lake Stevens, Washington CD Calculator
At today’s WA top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Lake Stevens, Washington CD LadderWA CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lake Stevens, Washington CD at 4.60% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 2.952% 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, Washington. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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