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CD Rates Rainier, Washington (WA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| 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 5, 2026

Current Rainier, Washington CD rates include Northwest Plus Credit UnionNorthwest Plus Credit UnionA+5.0 ★Texas Ratio: 4.75% offering 12 Month Certificate of Deposit at 4.83% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit UnionA-5.0 ★Texas Ratio: 15.43% offering 3-Month Certificate at 4.00% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit UnionA+5.0 ★Texas Ratio: 3.96% offering 24-month Certificate at 4.00% APY, and Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.80% offering 12 month Certificates and IRA Certificates at 4.00% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Rainier is a smaller community with no bank or credit union branches currently in our database. 260 institutions serving the Washington area are available to Rainier residents, with CD rates as high as 4.83% APY from Northwest Plus Credit Union. 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 5, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
3-Month Certificate
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No minimum deposit.

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 2026
Details

Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 MONTH CD
$500
3.80%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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.

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3 month Certificates and IRA Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

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 5, 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 5, 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 5, 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 5, 2026
Details

With Checking

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
90 day Personal Certificate Account
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 3 Month
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3 Month Certificate
$100,000
1.55%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

$100,000 - over

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Standard CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 5, 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 5, 2026
Details

New money only.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
6 Month Promo CD
$500
3.85%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
6 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 6 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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.

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 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 6 month
$50,000
3.46%
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
6 Month Certificate
$50,000
3.35%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
6 month (savers certificate) Personal Certificate Account
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details

With Checking

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
6 Month Term Share (or IRA)
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Special Rate!

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Jumbo 6-Month Certificate
$50,000
3.03%
View
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6-Month Certificate
$500
2.93%
View
▼
Rate2.89%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 6 Month
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
6 Month Certificate of Deposit (CDs)
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month CD
$0
1.50%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month CD
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 6 month
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 month Certificates and IRA Certificates
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 2026
Details

$10,000 - $49,999.99

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Promo CD
$500
3.90%
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Limited time offer. Only available in our branches.

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 year Certificates Of Deposit3
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month CD
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month IRA
$500
3.66%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit; With .25% Bonus*

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
12 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Business Jumbo Certificate of Deposit 1 year
$50,000
3.46%
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Mint Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month Jumbo Certificate
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

With Checking

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Certificate
$100,000
3.30%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Jumbo 12-month Certificates
$60,000
3.28%
View
▼
Rate3.25%
Min Deposit$60,000
Min Balance—
UpdatedApr 5, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
12-Month CD
$1,000
3.26%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Get a 0.25% interest rate increase with 2,500 Salal Rewards Points.

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
12 month IRA Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.15%
View
▼
Rate3.10%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
12 Month Term Share (or IRA)
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
12 month (savers certificate) Personal Certificate Account
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Riverview Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12-month CD Special
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 12 Month
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Flexible 12-Month Certificate
$500
2.90%
View
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 month CD Certificates
$0
2.89%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Early Withdrawal Penalties May Apply

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
1 Year Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1 Year CD
$1,000
2.83%
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

$1,000 Min.

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
12 Month Certificate
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 Year Certificate of Deposit
$1,000
2.60%
View
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.77%
12 Month Certificate of Deposit (CDs)
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month CD
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 12 month
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificates - STANDARD | 3 - 12 Month
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $49,000.00

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%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Promo CD
$500
3.95%
View
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 month Certificates and IRA Certificates
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 18 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
18 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month Term Certificates and IRA Certificates
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 month IRA Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Mint Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
18 Month Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
IRA Certificates 18 month
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
18 Month Term Share
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Early Withdrawal Penalties May Apply

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 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month Certificate
$100,000
2.80%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

With Checking

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Jumbo 18-Month Certificate
$50,000
2.56%
View
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18-Month Certificate
$500
2.41%
View
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 18 Month
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Mo. Add-on Bump Rate CD
$100
1.21%
View
▼
Rate1.20%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Wave Club

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Promo CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
24 month Fixed Certificate of Deposit
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
24 Month* Certificate
$500
3.54%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Certificates 2 year
$1,000
3.51%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
24 month Certificates and IRA Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 24 Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month IRA
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

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 5, 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 5, 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 5, 2026
Details

Mint Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
24 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate of Deposit 24 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
24 Month Term Share (or IRA)
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details

With Checking

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2-Year CD
$500
2.80%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month Certificate
$50,000
2.60%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 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 5, 2026
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Term Certificates and IRA Certificates
$500
2.47%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
View
▼
Rate2.43%
Min Deposit$100
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24-Month Certificate
$500
2.36%
View
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 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 5, 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
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 and over

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 3 year
$50,000
3.60%
View
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
36 Month Certificate
$500
3.54%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
3-year (1x bump-up) IRA Share Certificate special
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
36 month Fixed Certificate of Deposit
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 month Certificates and IRA Certificates
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36 Month IRA
$500
3.19%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
36 month IRA Certificate
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
36 month Personal Certificate Account
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3 Year Certificate
$50,000
2.60%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

$1,000 Min.

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 5, 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 5, 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 5, 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 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
36-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 2026
Details

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
36 Month Term Share (or IRA)
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
36-Month Certificate
$500
1.89%
View
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Flexible 36-Month Certificate
$500
1.74%
View
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 36 Month
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Year Standard CD
$500
0.95%
View
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Promotional Share Certificates | 36 Month Flex
$500
0.60%
View
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Month IRA
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
48 Month Certificate
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 month Certificates and IRA Certificates
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
48 month Fixed Certificate of Deposit
$1,000
3.20%
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48-month Certificate
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48-Month CD
$500
2.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
48 month IRA Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 4 year
$50,000
2.74%
View
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
4 Year Certificate
$50,000
2.60%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 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 5, 2026
Details

$1,000 Min.

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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
48-Month Certificate
$500
1.79%
View
▼
Rate1.77%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 48 Month
$0
1.41%
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4 Year Standard CD
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 and over

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
60 Month Promo CD
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 year Certificates Of Deposit3
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month IRA
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 month Certificates and IRA Certificates
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
60 Month Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
60 month Fixed Certificate of Deposit
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
5 Year Certificate
$100,000
2.80%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
60 month IRA Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
IRA Jumbo Certificates 5 year
$50,000
2.74%
View
▼
Rate2.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

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 5, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
60 month Personal Certificate Account
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
60 Month Certificate of Deposit
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

With Checking

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 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
5-Year Fixed Rate IRA Certificate
$500
1.89%
View
▼
Rate1.87%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 60 Month
$0
1.31%
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details

BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Business CD
$500
1.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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.

Rainier, WA CD Rate Trends

Compare local Rainier, 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
3.019%
▼ 0.091 vs 7 days ago

Washington 12-month CD rates fell 0.091 points over the past 7 days to 3.019% APY.

6-Month CD — WA Avg
2.819%
▼ 0.157 vs 7 days ago

Washington 6-month CD rates fell 0.157 points over the past 7 days to 2.819% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Rainier, Washington

Are CD rates in Rainier, Washington FDIC insured?

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

Here are recent top rates found for this area:
  • Northwest Plus Credit Union: 4.83% APY (12 Month Certificate of Deposit)
  • Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
  • Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Certificate)
  • Puget Sound Cooperative Credit Union: 4.00% APY (24-month Certificate)
  • Numerica Credit Union: 4.00% APY (12 month Certificates and IRA Certificates)
  • Idaho Central Credit Union: 3.95% APY (18 Month Promo CD)
  • 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)
  • Cornerstone Capital Bank, SSB: 3.85% APY (Consumer 3 Month CD)
Rates reflect recent verified offers available in Rainier, Washington. Last Updated: April 5, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Rainier, 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 Rainier, 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 5, 2026

Rainier, Washington Rates & Resources

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