MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

CD Rates Lynnwood, Washington (WA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 21, 2026

Current Lynnwood, Washington CD rates include Gesa Credit UnionGesa Credit Union3405 188th St SW Ste 201, Lynnwood, WA 98037 4744A+5.0 ★Texas Ratio: 4.63%Real return: +1.45%APY minus CPI (February 2026) offering IRA CD 12 Months at 4.25% APY, Bank of HopeBank of Hope17410 Highway 99, Lynnwood, WA 98037A+5.0 ★Texas Ratio: 3.52%Real return: +1.00%APY minus CPI (February 2026) offering 12-month CD at 3.80% APY, Pacific Crest SBPacific Crest SB3500 188th St Sw, Lynnwood, WA 98037A+5.0 ★Texas Ratio: 4.95%Real return: +0.95%APY minus CPI (February 2026) offering 1 year Certificates Of Deposit3 at 3.75% APY, UniBankUniBank19315 Highway 99, Lynnwood, WA 98036A+5.0 ★Texas Ratio: 5.78%Real return: +0.80%APY minus CPI (February 2026) offering 18 month Fixed Certificate of Deposit at 3.60% APY, and Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046A+5.0 ★Texas Ratio: 5.24%Real return: +0.80%APY minus CPI (February 2026) offering IRA Jumbo Certificates 2 year at 3.60% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.

Lynnwood has 46 local institutions in our database, with CD rates as high as 4.25% APY from Gesa Credit Union at 3405 188th St SW Ste 201, Lynnwood, WA 98037 4744. 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 — 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: April 21, 2026

Compare Best CD Rates in Lynnwood, Washington & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
3 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
Fixed CD 3 Months
$100,000
3.30%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
90 day Personal Certificate Account
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4325 198th St Sw, Lynnwood, WA 98036
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Share Certificates
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 3 months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$2,500 - $99,999

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
3 Month CD Special
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Special

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Business 3-Month CD
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
90 Day Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
3 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month Certificate of Deposit
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
3 Month Certificate of Deposit (CDs)
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Month Certificate Accounts
$500
2.10%
View
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 3 months
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Months Share Certificate
$0
1.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months Certificate
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
3 Month Certificate of Deposit
$100,000
0.55%
View
▼
Rate0.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

$100,000 - over

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Months Term Certificates
$500
0.50%
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 6 Months
$100,000
4.10%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
6 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 6 month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
6 month Certificates Of Deposit3
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 6 month
$50,000
3.46%
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4325 198th St Sw, Lynnwood, WA 98036
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2600 162nd St Sw, Lynnwood, WA 98087
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month Certificate of Deposit
$500
4.06%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

New money only.

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
6-month Share Certificate
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Limited Time Only

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
6-month Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Wave Club

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Mo Certificate - Regular, IRA, ESA
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6 Month Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate Account
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Certificate
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Share Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
6 Month Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 months Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
6 Months Term Certificates
$10,000
3.50%
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
6 Month CD
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
6 Month Special IRA
$100
3.50%
View
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
6 Months Certificates (Includes IRA Certificates)
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
6-Month Add-On Share Certificate
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit* 6 months
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

$100,000+

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 6 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
6-Month CD Special
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Mo. Share Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Business 6-Month CD
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month & Easy Saver Certificate Accounts
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 month CD Certificates
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Early Withdrawal Penalties May Apply

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.24%
View
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

$1,000 Min.

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
6 Month Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month Certificate Account
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$100,000
3.15%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Certificate of Deposit
$10,000
3.10%
View
▼
Rate3.06%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 6-month Certificates
$60,000
3.10%
View
▼
Rate3.10%
Min Deposit$60,000
Min Balance—
UpdatedApr 21, 2026
Details

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 Month Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
6-Month Certificate
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
6 month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Jumbo 6-Month Certificate
$50,000
3.03%
View
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6-MONTH CERTIFICATE
$1,000
3.03%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Mo. CD
$2,500
3.00%
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
6 month share certificate
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 months Single Deposit CD
$100
3.00%
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
6 Month Share Certificates
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Savings Certificates 6 Months
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
6 Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 12 Months
$100,000
4.25%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
17410 Highway 99, Lynnwood, WA 98037
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Limited time offer. Only available in our branches.

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
1 year Certificates Of Deposit3
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
12 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 1 year
$50,000
3.56%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 12 month
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
19002 33rd Ave W, Lynnwood, WA 98036
1-Year Certificates of Deposit
$500
2.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4325 198th St Sw, Lynnwood, WA 98036
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2600 162nd St Sw, Lynnwood, WA 98087
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Qualifying balance up to $49,000.00

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 Month Certificate of Deposit
$500
4.83%
View
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12-month Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Wave Club

Avista Corp Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1-year CD (Auto Renewing)
$0
3.92%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). This rate applies to existing CDs at Avista CU that automatically renew/rollover for an additional 1-year term.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$10,000 - $49,999.99

TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Business 12-Month CD
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Mo Certificate - Regular, IRA, ESA
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
12 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1 Year (BUMP) Launch Savings Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1 Year CD
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
View
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
12 Month Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 Year Certificate of Deposit
$10,000
3.50%
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
12 Month Special IRA
$100
3.50%
View
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Washington Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12-Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
12 Months Certificates (Includes IRA Certificates)
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
12 month Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 12 Month Term
$250
3.42%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 12 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Months Share Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit* 12 months
$100,000
3.30%
View
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

$100,000+

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate Account
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12-MONTH CERTIFICATE
$1,000
3.29%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
12 months Certificate
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
12 month share certificate
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 months Single Deposit CD
$100
3.25%
View
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificate Accounts
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.15%
View
▼
Rate3.10%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Mo. IRA
$50
3.10%
View
▼
Rate3.01%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 12-month Certificates
$60,000
3.10%
View
▼
Rate3.07%
Min Deposit$60,000
Min Balance—
UpdatedApr 21, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
IRA Share Certificates 1 Year
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Savings Certificates 12 Months
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
IRA/HSA Certificates 12 Months
$2,000
3.04%
View
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
12 Month Share Certificates
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
1 Year Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

White River Credit Union Enumclaw, WA
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 months Certificate of Deposit
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Early withdrawal penalty - 6 months interest

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
12-Month Certificate
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 Month Certificate Account
$1,000
2.95%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
18 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 18 Months
$100,000
3.50%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
IRA Certificates 18 month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$100,000 and over

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18-month GreenUp Certificate
$1,000
3.75%
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month CD
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 months Certificate Special
$100
3.65%
View
▼
Rate3.59%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Rate is accurate as of March 15, 2026. Rate is subject to change at any time. Automatically renews into 12-month CD upon maturity.

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
18 Month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
18 Month Money Builder Certificates
$25
3.39%
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Months Certificates (Includes IRA Certificates)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 month Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 months Certificate
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Mo Certificate - Regular, IRA, ESA
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Months Share Certificate
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 18 Month Term
$250
3.19%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
18 Month Share Certificates
$500
3.10%
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 18 months
$2,000
3.04%
View
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 month CD Certificates
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Early Withdrawal Penalties May Apply

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 18 months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$2,500 - $99,999

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate Account
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Mo. IRA
$50
3.00%
View
▼
Rate2.92%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificate Accounts
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificate
$0
2.90%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Jumbo 18-Month Certificate
$50,000
2.56%
View
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 18 months
$1,000
2.56%
View
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Certificate
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
18 Month IRA
$100
1.95%
View
▼
Rate1.94%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month CD
$0
1.90%
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
18 Month Bump Term Certificates
$500
1.86%
View
▼
Rate1.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
18 Month Certificate of Deposit (CDs)
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
18 Month IRA Certificate
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
24 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 2 year
$50,000
3.60%
View
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 24 Months
$100,000
3.50%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
2 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Community-Impact Certificate Accounts for Nonprofit Organizations 24 month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
19002 33rd Ave W, Lynnwood, WA 98036
2-Year Certificates of Deposit
$500
2.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$100,000 and over

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
24-month Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Wave Club

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
24 Months Certificates (Includes IRA Certificates)
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
24 Month* Certificates of Deposit
$500
3.54%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
24 Month CD
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
24 month Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
24 months Certificate
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year Certificate of Deposit
$10,000
3.20%
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Months Share Certificate
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
24 Month Share Certificates
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 24 month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
View
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24 Month Certificate
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 24 months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$2,500 - $99,999

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
24 Month Certificate Accounts
$500
2.90%
View
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 24 Month Term
$250
2.88%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Certificate Account
$0
2.85%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
24 Month Certificate
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
2 Year Certificate
$0
2.79%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
24 month share certificate
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
2 Year CD
$1,000
2.73%
View
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

$1,000 Min.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Mo. IRA
$50
2.70%
View
▼
Rate2.63%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 24 months
$1,000
2.61%
View
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 24-month Certificates
$60,000
2.57%
View
▼
Rate2.55%
Min Deposit$60,000
Min Balance—
UpdatedApr 21, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2 Year Share Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 months Single Deposit CD
$100
2.50%
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2 Year CD
$1,000
2.50%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 month CD Certificates
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Early Withdrawal Penalties May Apply

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
View
▼
Rate2.43%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
2 Year Certificate
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Certificate
$500
2.40%
View
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
2 Year IRA Term Share Special
$50,000
2.35%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
IRA/HSA Certificates 24 Months
$2,000
2.27%
View
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month CD
$0
2.20%
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2 Year IRA
$100
2.20%
View
▼
Rate2.18%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24-MONTH CERTIFICATE
$1,000
2.02%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
24 Months Share Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
24 Month Certificate of Deposit (CDs)
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 36 Months
$100,000
3.75%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 3 year
$50,000
3.60%
View
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
36 month Fixed Certificate of Deposit
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
3 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
Business Certificate Account 36 month
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
36 Months Certificates (Includes IRA Certificates)
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Months Certificate
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
36 Month Certificates of Deposit
$500
3.54%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
36 Month CD
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
36 Month Share Certificates
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 36 month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months Share Certificate
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 36 months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$2,500 - $99,999

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 months Certificate
$500
3.00%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Year CD
$1,000
3.00%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
36 month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Certificate Account
$0
2.85%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
36 Month Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 Month Certificate Accounts
$500
2.85%
View
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 months Single Deposit CD
$100
2.80%
View
▼
Rate2.77%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
View
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 36 months
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Year Share Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
3 Year Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Year CD
$1,000
2.52%
View
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

$1,000 Min.

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months Certificate
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
36 Month Certificate of Deposit
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Mo. IRA
$50
2.40%
View
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Year IRA Term Share Special
$50,000
2.40%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
3 Year IRA
$100
2.30%
View
▼
Rate2.28%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 36 Month Term
$250
2.27%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
IRA/HSA Certificates 36 Months
$2,000
2.27%
View
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.

Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
36 month share certificate
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36-month Certificates
$1,000
2.11%
View
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3 Year Certificate
$0
2.05%
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36-MONTH CERTIFICATE
$1,000
2.02%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
36 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36-Month Certificate
$500
1.89%
View
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
36 Months Share Certificate
$0
1.75%
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
36 Month Certificate of Deposit (CDs)
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
36 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
IRA Certificates 36 Months
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 48 Months
$100,000
3.75%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
4 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
48 month Fixed Certificate of Deposit
$1,000
3.20%
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 4 year
$50,000
2.74%
View
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
19002 33rd Ave W, Lynnwood, WA 98036
48-Month Certificates of Deposit
$500
2.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
48 Months Certificates (Includes IRA Certificates)
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 48 Month
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 48 month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
48 Month Certificates of Deposit
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Months Share Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48-month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Wave Club

WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
48 Month Share Certificates
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 48 months
$2,000
3.04%
View
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
48 Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 months Single Deposit CD
$100
2.85%
View
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate Account
$0
2.85%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$100,000
2.85%
View
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificate Accounts
$500
2.80%
View
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
48 months Certificate
$500
2.75%
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 48 months
$1,000
2.70%
View
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
48 Month Certificate of Deposit
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4 Year CD
$1,000
2.52%
View
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

$1,000 Min.

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
48 Month Certificate
$0
2.50%
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Mo. IRA
$50
2.40%
View
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
4 Year IRA
$100
2.35%
View
▼
Rate2.33%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
4 Year Certificate
$0
2.33%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48-MONTH CERTIFICATE
$1,000
2.27%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48-Month Certificate
$500
1.79%
View
▼
Rate1.77%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
48 Months Share Certificate
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
48 Month Certificate of Deposit (CDs)
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3405 188th St SW Ste 201, Lynnwood, WA 98037 4744
IRA CD 60 Months
$100,000
3.75%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
5 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
60 month Fixed Certificate of Deposit
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19718 Highway 99 Ste 101, Lynnwood, WA 98036 6046
IRA Jumbo Certificates 5 year
$50,000
2.74%
View
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
60 month Personal Certificate Account
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
19002 33rd Ave W, Lynnwood, WA 98036
5-Year Certificates of Deposit
$500
1.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
19220 Alderwood Mall Pkwy, Lynnwood, WA 98036
60 Month Business CD
$500
1.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

$100,000 and over

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
60 Months Certificates (Includes IRA Certificates)
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 60 month
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Months Share Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$100,000
3.25%
View
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60-Month Certificate
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 60 months
$2,000
3.04%
View
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
60 Month Certificates of Deposit
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
60 Month Certificate
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate Account
$0
2.85%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 months Single Deposit CD
$100
2.85%
View
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60-month Certificate
$1,000
2.78%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Business Certificates of Deposit 60 months
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

Must qualify for OnPoint Rewards.

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
60 months Certificate
$500
2.75%
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
60 Month Certificate of Deposit
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

With Checking

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60 Month Certificate Accounts
$500
2.70%
View
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
5 Year CD
$1,000
2.62%
View
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details

$1,000 Min.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Mo. IRA
$50
2.60%
View
▼
Rate2.53%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
5 Year Share Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificate
$0
2.50%
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
5 Year IRA
$100
2.40%
View
▼
Rate2.38%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
5 Year Certificate
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months Certificate
$500
2.10%
View
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5-Year Fixed Rate IRA Certificate
$500
1.89%
View
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
60 Month Certificate of Deposit (CDs)
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
60 Months Share Certificate
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
60 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details

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

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

Top CD Rates from Lynnwood, Washington Institutions

Highest verified APYs available today — updated April 21, 2026

B Top 5 Bank Rates
Bank of Hope
12-month CD
A+ 5.0 ★ TX: 3.52%
Min: $0
3.80%
Pacific Crest SB
1 year Certificates Of Deposit3
A+ 5.0 ★ TX: 4.95%
Min: $0
3.75%
UniBank
18 month Fixed Certificate of Deposit
A+ 5.0 ★ TX: 5.78%
Min: $1,000
3.60%
1st Security Bank of Washington
1-Year Certificates of Deposit
A+ 5.0 ★ TX: 2.12%
Min: $500
2.50%
Wells Fargo
1 year Standard Fixed Rate CD
A 5.0 ★ TX: 7.44%
Min: $2,500
1.51%
CU Top 5 Credit Union Rates
Gesa Credit Union
IRA CD 12 Months
A+ 5.0 ★ TX: 4.63%
Min: $100,000
4.25%
Seattle Metropolitan Credit Union
IRA Jumbo Certificates 2 year
A+ 5.0 ★ TX: 5.24%
Min: $50,000
3.60%
Verity Credit Union
Business Certificate Account 6 month
A 5.0 ★ TX: 8.01%
Min: $0
3.50%
BECU Boeing Employees Credit Union
60 Month Business CD
A+ 5.0 ★ TX: 2.18%
Min: $500
1.15%
Northwest Plus Credit Union
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 4.75%
Min: $500
4.83%
Rates verified April 21, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Lynnwood, WA CD Rate Trends

Compare local Lynnwood, 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.

View Full Washington CD Trends →
12-Month CD — WA Avg
2.984%
▲ 0.033 vs 7 days ago

Washington 12-month CD rates rose 0.033 points over the past 7 days to 2.984% APY.

6-Month CD — WA Avg
2.431%
▼ 0.178 vs 7 days ago

Washington 6-month CD rates fell 0.178 points over the past 7 days to 2.431% APY.

As of Apr 21, 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 April 2027?

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

WA 12-Month Avg APY
2.984%
6-Month Forecast
2.984%
Range: 2.78% – 3.13%
12-Month Forecast
2.734%
Range: 2.53% – 2.88%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Washington average 12-month CD APY in our database.

Spread model: The Washington 12-month CD average currently trades 1.39% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at WA CD Rates Today

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

CD Term WA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.737% $86.86 $173.72 $434.30 $868.60
6-Month CD 2.431% $121.55 $243.09 $607.73 $1,215.45
12-Month CD 2.984% $149.19 $298.37 $745.93 $1,491.85
18-Month CD 2.760% $138.00 $276.00 $690.00 $1,380.00
24-Month CD 2.708% $135.39 $270.78 $676.95 $1,353.90
36-Month CD 2.674% $133.71 $267.41 $668.53 $1,337.05
48-Month CD 2.775% $138.76 $277.51 $693.78 $1,387.55
60-Month CD 2.695% $134.75 $269.50 $673.75 $1,347.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026.

Sample CD Ladder for Lynnwood, Washington Savers

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

Build Your Ladder →
Rung Term Deposit WA Avg APY Annual Earnings
1 3-Month CD $5,000 1.737% $86.86
2 6-Month CD $5,000 2.431% $121.55
3 12-Month CD $5,000 2.984% $149.19
4 24-Month CD $5,000 2.708% $135.39
5 36-Month CD $5,000 2.674% $133.71
Total ($25,000 invested) $25,000 2.507% blended $626.70/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.

69
Institutions
in Lynnwood, Washington
17 Banks 52 Credit Unions

About Our Lynnwood, Washington CD Rate Database

MonitorBankRates tracks CD rates from 17 banks and 52 credit unions with locations in Lynnwood, 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 4.25% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Lynnwood, Washington.

How to Find the Best CD Rates in Lynnwood, Washington

What to compare when shopping for a CD in Lynnwood, Washington

To find the best APYs in Lynnwood, Washington, start with credit unions and online-only banks — Lynnwood, Washington has 52 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 Lynnwood, 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 Lynnwood, Washington — 69 institutions here report CD rates

Consider an Alternative If…

Lynnwood, Washington Financial Snapshot

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

Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$47,434
National avg: $47,340
Poverty Rate
14.2%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$142/yr
At WA 12-mo avg 2.984% APY

16.7% of residents are 65 or older — below the national average of 17.3%. At today’s WA 12-month CD average of 2.984%, saving 10% of the local median salary ($4,743/year) and putting it in a CD would earn an additional $142 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 Lynnwood, 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

Frequently Asked Questions about CD Rates in Lynnwood, Washington

Are CD rates in Lynnwood, Washington FDIC insured?

Yes, most established banks in Lynnwood, 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 Lynnwood, 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 Lynnwood, 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 Lynnwood, 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 Lynnwood, Washington?

Here are recent top rates found for this area:
  • Gesa Credit Union: 4.25% APY (IRA CD 12 Months)
  • Bank of Hope: 3.80% APY (12-month CD)
  • Pacific Crest SB: 3.75% APY (1 year Certificates Of Deposit3)
  • UniBank: 3.60% APY (3 month Fixed Certificate of Deposit)
  • Seattle Metropolitan Credit Union: 3.60% APY (IRA Jumbo Certificates 3 year)
  • Verity Credit Union: 3.50% APY (Business Certificate Account 6 month)
  • 1st Security Bank of Washington: 2.50% APY (1-Year Certificates of Deposit)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • BECU Boeing Employees Credit Union: 1.15% APY (60 Month Business CD)
  • First Citizens Bank: 0.01% APY (6-month automatic saver CD)
Rates reflect recent verified offers available in Lynnwood, Washington. Last Updated: April 21, 2026

CD Calculators for Lynnwood, Washington

Lynnwood, Washington CD Calculator

At today’s WA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Lynnwood, Washington CD Ladder

WA CD rates currently range from 1.737% (3-month) to 2.674% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Lynnwood, Washington CD at 4.25% 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 Savings

Washington’s average 12-month CD is 2.984% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lynnwood, 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 pulling data straight 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 Lynnwood, 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: April 21, 2026

Lynnwood, Washington Rates & Resources

$
Lynnwood, Washington Savings Rates
$
Lynnwood, Washington Mortgage Rates
$
Lynnwood, Washington Money Market Rates
$
Lynnwood, Washington Checking Rates
$
Lynnwood, Washington Auto Loan Rates
$
Lynnwood, Washington Personal Loan Rates