CD Rates Montesano, Washington (WA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Montesano, Washington CD rates include Timberland BankTimberland Bank201 S Main St, Montesano, WA 98563A+5.0 ★Texas Ratio: 0.69%Real return: +1.00%APY minus CPI (February 2026) offering 3 MONTH CD at 3.80% APY, Our Community Credit UnionOur Community Credit Union211 E Pioneer Ave STE B, Montesano, WA 98563A+5.0 ★Texas Ratio: 0.74%Real return: +0.81%APY minus CPI (February 2026) offering 6 Month Certificate at 3.61% APY, 1st Security Bank of Washington1st Security Bank of Washington211b E Pioneer Ave, Montesano, WA 98563A+5.0 ★Texas Ratio: 2.12%Real return: -0.30%APY minus CPI (February 2026) offering 1-Year Certificates of Deposit at 2.50% APY, Northwest Plus Credit UnionNorthwest Plus Credit UnionA+5.0 ★Texas Ratio: 4.75%Real return: +2.03%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.83% APY, and Gesa Credit UnionGesa Credit UnionA+5.0 ★Texas Ratio: 4.63%Real return: +1.45%APY minus CPI (February 2026) offering IRA CD 12 Months at 4.25% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Montesano has 11 local institutions in our database, with CD rates as high as 3.80% APY from Timberland Bank at 201 S Main St, Montesano, WA 98563. 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 20, 2026
Compare Best CD Rates in Montesano, Washington & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
201 S Main St, Montesano, WA 98563
3 MONTH CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
APY=Annual Percentage Yield. The promotional APY is effective as of March 12, 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. $500 minimum to open account and earn APY.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Share Certificates
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 3 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$2,500 - $99,999
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Special
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Fixed CD 3 Months
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Business 3-Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
90 Day Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
90 day Personal Certificate Account
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
3 Month Certificate of Deposit (CDs)
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Month Certificate Accounts
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
3 Month Certificate of Deposit
$100,000
0.55%
▼
Rate0.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Months Term Certificates
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
211 E Pioneer Ave STE B, Montesano, WA 98563
6 Month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 6 Months
$100,000
4.10%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month Certificate of Deposit
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited Time Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 6 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
6-month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate Account
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
6 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
6 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Business Certificate Account 6 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 months Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6 month Certificates Of Deposit3
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
6 Months Term Certificates
$10,000
3.50%
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
6 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 6 month
$50,000
3.46%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
6 Months Certificates (Includes IRA Certificates)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Mo. Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month & Easy Saver Certificate Accounts
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Business 6-Month CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 month CD Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalties May Apply
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
6-Months Term Certificates
$0
3.25%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
$1,000 Min.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
6 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month Certificate Account
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Certificate of Deposit
$10,000
3.10%
▼
Rate3.06%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 6-month Certificates
$60,000
3.10%
▼
Rate3.10%
Min Deposit$60,000
Min Balance—
UpdatedApr 20, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
6-Month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
6 month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Jumbo 6-Month Certificate
$50,000
3.03%
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Jumbo 6-Month Certificate
$50,000
3.03%
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6-MONTH CERTIFICATE
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Mo. CD
$2,500
3.00%
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
6 month share certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 months Single Deposit CD
$100
3.00%
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
211 E Pioneer Ave STE B, Montesano, WA 98563
1 Year (BUMP) Launch Savings Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
201 S Main St, Montesano, WA 98563
12 MONTH CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
APY=Annual Percentage Yield. The promotional APY is effective as of March 12, 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. $500 minimum to open account and earn APY.
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
211b E Pioneer Ave, Montesano, WA 98563
1-Year Certificates of Deposit
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 Month Certificate of Deposit
$500
4.83%
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 12 Months
$100,000
4.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12-month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited time offer. Only available in our branches.
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
12-Months Term Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 year Certificates Of Deposit3
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 12 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
12 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1 Year CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 1 year
$50,000
3.56%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
12 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 Year Certificate of Deposit
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
12 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Washington Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Business Certificate Account 12 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
12 Months Certificates (Includes IRA Certificates)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
12 month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 12 Month Term
$250
3.42%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate Account
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit* 12 months
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000+
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12-MONTH CERTIFICATE
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
12 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
12 month share certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 months Single Deposit CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificate Accounts
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.15%
▼
Rate3.10%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.15%
▼
Rate3.10%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Mo. IRA
$50
3.10%
▼
Rate3.01%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 12-month Certificates
$60,000
3.10%
▼
Rate3.07%
Min Deposit$60,000
Min Balance—
UpdatedApr 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
IRA Share Certificates 1 Year
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Longshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Savings Certificates 12 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
1 Year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18-month GreenUp Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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.
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 months Certificate Special
$100
3.65%
▼
Rate3.59%
Min Deposit$100
Min Balance—
UpdatedApr 20, 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.
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 18 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
18 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 18 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
18 Month Money Builder Certificates
$25
3.39%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Months Certificates (Includes IRA Certificates)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
18-Months Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Mo Certificate - Regular, IRA, ESA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 18 Month Term
$250
3.19%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
18 Month Share Certificates
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
IRA Certificates 18 month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 18 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 month CD Certificates
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Mo. IRA
$50
3.00%
▼
Rate2.92%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificate Accounts
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Jumbo 18-Month Certificate
$50,000
2.56%
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Jumbo 18-Month Certificate
$50,000
2.56%
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
18 Month IRA
$100
1.95%
▼
Rate1.94%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
18 Month Bump Term Certificates
$500
1.86%
▼
Rate1.85%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
18 Month Certificate of Deposit (CDs)
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
18 Month IRA Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
211 E Pioneer Ave STE B, Montesano, WA 98563
2 Year Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
211b E Pioneer Ave, Montesano, WA 98563
2-Year Certificates of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wave Club
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
24 month Fixed Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 2 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
24 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
24 Month* Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 24 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Community-Impact Certificate Accounts for Nonprofit Organizations 24 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
24 month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
24-Months Term Certificates
$0
3.25%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
24 months Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year Certificate of Deposit
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
24 Month Share Certificates
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 24 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$2,500 - $99,999
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
24 Month Certificate Accounts
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 24 Month Term
$250
2.88%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
24 Month Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
24 month share certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.63%
Min Deposit$50
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.55%
Min Deposit$60,000
Min Balance—
UpdatedApr 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2 Year Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 months Single Deposit CD
$100
2.50%
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2 Year CD
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 month CD Certificates
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalties May Apply
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼
Rate2.43%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼
Rate2.43%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
2 Year Certificate
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Certificate
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum deposit of $2,000 and qualifying IRA/HSA Share account required.
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
211 E Pioneer Ave STE B, Montesano, WA 98563
3 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 36 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 3 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
36 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Months Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
36 Month Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
36 month Fixed Certificate of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
36 Month Share Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit* 36 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Year CD
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
36 month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 Month Certificate Accounts
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 months Single Deposit CD
$100
2.80%
▼
Rate2.77%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Business Certificate Account 36 month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
36-Months Term Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
36 Month Certificate of Deposit
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Mo. IRA
$50
2.40%
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
3 Year IRA
$100
2.30%
▼
Rate2.28%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Share & IRA Certificates 36 Month Term
$250
2.27%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36-month Certificates
$1,000
2.11%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3 Year Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36-MONTH CERTIFICATE
$1,000
2.02%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
36 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
36-Month Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36-Month Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
36 Months Share Certificate
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
36 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
211 E Pioneer Ave STE B, Montesano, WA 98563
4 Year Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
211b E Pioneer Ave, Montesano, WA 98563
48-Month Certificates of Deposit
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 48 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
48 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
Business Certificates of Deposit 48 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
48 Month Certificates of Deposit
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48-month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wave Club
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
48 Month Share Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
48 month Fixed Certificate of Deposit
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 48 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
48-Months Term Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 months Single Deposit CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificate Accounts
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
48 months Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 4 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Mo. IRA
$50
2.40%
▼
Rate2.34%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
4 Year IRA
$100
2.35%
▼
Rate2.33%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48-MONTH CERTIFICATE
$1,000
2.27%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
48-Month Certificate
$500
1.79%
▼
Rate1.77%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48-Month Certificate
$500
1.79%
▼
Rate1.77%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
48 Months Share Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
48 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
211b E Pioneer Ave, Montesano, WA 98563
5-Year Certificates of Deposit
$500
1.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA CD 60 Months
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
60 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 year Certificates Of Deposit3
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Share Certificate 60 months
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
60 Month Certificates of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
60-Months Term Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded/Paid Monthly
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
60 month Fixed Certificate of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
60 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 months Single Deposit CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60-month Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
60 months Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Must qualify for OnPoint Rewards.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 5 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
60 Month Certificate of Deposit
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
With Checking
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60 Month Certificate Accounts
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
60 month Personal Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.53%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
5 Year Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
5 Year IRA
$100
2.40%
▼
Rate2.38%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
5 Year Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months Certificate
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
60 Month Certificate of Deposit (CDs)
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
60 Months Share Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Montesano, WA CD Rate Trends
Compare local Montesano, 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
2.984%
▲ 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%
▼ 0.177 vs 7 days ago
Washington 6-month CD rates fell 0.177 points over the past 7 days to 2.431% APY.
As of Apr 20, 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%
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 20, 2026. | |||||
Sample CD Ladder for Montesano, 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 | 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.
75
Institutions
in Montesano, Washington
in Montesano, Washington
21 Banks
54 Credit Unions
About Our Montesano, Washington CD Rate Database
MonitorBankRates tracks CD rates from 21 banks and 54 credit unions with locations in Montesano, 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: Timberland Bank offers a CD at 3.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Montesano, Washington.
How to Find the Best CD Rates in Montesano, Washington
What to compare when shopping for a CD in Montesano, Washington
To find the best APYs in Montesano, Washington, start with credit unions and online-only banks — Montesano, Washington has 54 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 Montesano, 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 Montesano, Washington — 75 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Montesano, Washington savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Montesano, Washington money market rates
Montesano, Washington Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
23.0%
National avg: 17.3%
Median Individual Earnings
$53,015
National avg: $47,340
Poverty Rate
4.9%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$158/yr
At WA 12-mo avg 2.984% APY
23.0% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s WA 12-month CD average of 2.984%, saving 10% of the local median salary ($5,301/year) and putting it in a CD would earn an additional $158 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 Montesano, 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 Montesano, Washington
Are CD rates in Montesano, Washington FDIC insured?
Yes, most established banks in Montesano, 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 Montesano, 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 Montesano, 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 Montesano, 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 Montesano, Washington?
Here are recent top rates found for this area:
- Timberland Bank: 3.80% APY (3 MONTH CD)
- Our Community Credit Union: 3.61% APY (6 Month Certificate)
- 1st Security Bank of Washington: 2.50% APY (1-Year Certificates of Deposit)
- Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
- Gesa Credit Union: 4.25% APY (IRA CD 12 Months)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate)
- Avista Corp Credit Union: 3.92% APY (1-year CD (Auto Renewing))
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- Wings Financial Credit Union: 3.90% APY (6-month certificate)
Rates reflect recent verified offers available in Montesano, Washington. Last Updated: April 20, 2026
CD Calculators for Montesano, Washington
Montesano, Washington CD Calculator
At today’s WA top rate of 3.80% APY, a $10,000 deposit earns $380 in the first year. Enter your amount to see your exact return.
Montesano, Washington CD LadderWA 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 PenaltyBefore locking into a Montesano, Washington CD at 3.80% 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 2.984% 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 Montesano, 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 Montesano, 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 20, 2026
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