Tacoma, Washington Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Tacoma, Washington CD rates range from 0.02% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Tacoma, Washington CD rates include Gesa Credit UnionGesa Credit Union2637 N Pearl St, Tacoma, WA 98407A5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month Certificate Accounts at 4.60% APY, Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union1724 E 44th St, Tacoma, WA 98404 4611A+5.0 ★Texas Ratio: 4.30%Real return: +1.66%APY minus CPI (February 2026) offering IRA Jumbo Certificates - 2 year at 4.46% APY, Navy Federal Credit UnionNavy Federal Credit Union3407 S 23RD ST, TACOMA, WA 98405A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union1703 Dock St Ste A, Tacoma, WA 98402 3235A+5.0 ★Texas Ratio: 3.74%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate - Wave Club at 4.00% APY, and CIT BankCIT Bank2108 Commerce St, Tacoma, WA 98402A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering Term CD - 1-Year Term at 4.00% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Tacoma has 380 local institutions in our database, with CD rates as high as 4.60% APY from Gesa Credit Union at 2637 N Pearl St, Tacoma, WA 98407. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Tacoma, Washington & the Surrounding Area
Tacoma 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 3-Mo. Term
$1,000
3.51%
▲ 1.18% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.30%
▲ 0.97% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.97% above avgNationally 2.09%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.15%
▲ 0.82% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04%
▲ 0.71% above Washington avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.71% above avgNationally 2.09%
Details
APY offered as of 1/1/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
3 Month Fixed Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 7, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 3 Month Certificate of Deposit
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
3 Month Business Certificates
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 3 Month
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 3 Month Certificate of Deposit
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%, Interest Rate With Checking: 2.72%, APY* With Checking: 2.75%
Rate History
1 change since Sep 19, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25%
- Sep 24, 20262.25%▼ from 2.75%
- Sep 19, 20262.75%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
3 Month Certificate of Deposit
$0
2.00%
▼ 0.33% below Washington avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.33% below avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 3 Month Certificate of Deposit
$0
2.00%
▼ 0.33% below Washington avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 0.33% below avgNationally 2.09%
Details
Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.78% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.78% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.83% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.83% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
3 Month Standard CD
$1,000
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.25% above Washington avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 2.25% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.67% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.67% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.52% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
- Sep 18, 20263.82%▲ from 3.57%
- Sep 12, 20263.57%first recorded
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificate - 3 Month
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Dividends paid monthly; early withdrawal penalty may apply
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Fixed
$0
3.60%
▲ 1.27% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.27% above avgNationally 2.09%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55%
▲ 1.22% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.22% above avgNationally 2.09%
Details
Dividends Compounded Quarterly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month Certificate
$0
3.51%
▲ 1.18% above Washington avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50%
▲ 1.17% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50%
▲ 1.17% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$1,000
3.45%
▲ 1.12% above Washington avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.12% above avgNationally 2.09%
Details
Prospective; *Not available for IRA accounts
Rate History
No change since Oct 10, 2026 · 3.45% APY · checked 2 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$0
3.40%
▲ 1.07% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
$2,500 - $99,999
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40%
▲ 1.07% above Washington avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.40% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15%
▲ 0.82% above Washington avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10%
▲ 0.77% above Washington avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05%
▲ 0.72% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Traditional 3 Month Certificate
$500
2.50%
▲ 0.17% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Traditional Certificates
Rate History
No change since Oct 10, 2026 · 2.50% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.35%
▲ 0.02% above Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.02% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Oct 14, 2026 · 2.35% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.35%
▲ 0.02% above Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.02% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 5 times
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.30%
▼ 0.03% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.03% below avgNationally 2.09%
Details
Balance: $25,000-$74,999
Rate History
No change since Oct 14, 2026 · 2.30% APY
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
Business Certificate Accounts - 90 days
$0
2.30%
▼ 0.03% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.03% below avgNationally 2.09%
Details
Balance: $25,000-$74,999
Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 5 times
Mountain Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3 Month Certificate of Deposit
$500
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
$500.00 minimum to open. Penalty may be applied for early withdrawal. Fees could reduce earnings.
Rate History
No change since Sep 28, 2026 · 2.25% APY · checked 2 times
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
90 Day Personal Certificate Accounts
$0
2.25%
▼ 0.08% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.08% below avgNationally 2.09%
Details
Balance: $0-$999
Rate History
No change since Oct 14, 2026 · 2.25% APY
Tacoma 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Certificate Accounts
$0
4.10%
▲ 0.98% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.98% above avgNationally 2.77%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 6 month
$50,000
4.05%
▲ 0.93% above Washington avg
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 14, 20264.05%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Business Jumbo Certificate of Deposit
$50,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 14, 20264.00%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Jumbo Certificates of Deposit
$50,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 14, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Certificate Accounts
$0
3.95%
▲ 0.83% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.83% above avgNationally 2.77%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 6 month
$1,000
3.90%
▲ 0.78% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.78% above avgNationally 2.77%
Details
Bump Option: Not Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 14, 20263.90%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 14, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Business Certificate of Deposit
$1,000
3.80%
▲ 0.68% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Oct 10, 20263.80%▲ from 3.40%
- Sep 22, 20263.40%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
6 Month Certificate
$1,000
3.80%
▲ 0.68% above Washington avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate - Wave Club
$0
3.75%
▲ 0.63% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.63% above Washington avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Business Jumbo Certificate
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Jumbo Certificates
$0
3.65%
▲ 0.53% above Washington avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.60%
▲ 0.48% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate
$0
3.50%
▲ 0.38% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.45%
▲ 0.33% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.33% above avgNationally 2.77%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
6 Month Business Certificates
$0
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 6 Month
$0
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 6-Mo. Term
$1,000
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.40% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 6-Mo. Term
$1,000
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.40% APY
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.40%
▲ 0.28% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
6 Month Fixed Certificate
$500
3.30%
▲ 0.18% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.18% above avgNationally 2.77%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 6-Month CD
$500
3.30%
▲ 0.18% above Washington avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.18% above avgNationally 2.77%
Details
APY offered as of 1/1/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
6-Month Add-On Certificate
$250
3.25%
▲ 0.13% above Washington avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▲ 0.13% above avgNationally 2.77%
Details
Unlimited additional deposits throughout the term.
Rate History
1 change since Sep 21, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25%
- Oct 9, 20263.25%▼ from 3.35%
- Sep 21, 20263.35%first recorded
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - Jumbo 6-month
$60,000
3.10%
▼ 0.02% below Washington avg
▼
Rate3.10%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▼ 0.02% below avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 3.10% APY
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$0
3.05%
▼ 0.07% below Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.07% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.52%, APY* Without Checking: 2.55%
Rate History
No change since Sep 19, 2026 · 3.05% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 6 Month Certificate of Deposit
$0
3.05%
▼ 0.07% below Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.07% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.52%, APY* Without Checking: 2.55%
Rate History
1 change since Sep 19, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
- Oct 7, 20263.05%▲ from 2.80%
- Sep 19, 20262.80%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 6-Month Certificate
$50,000
3.03%
▼ 0.09% below Washington avg
▼
Rate2.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 0.09% below avgNationally 2.77%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - 6-month
$1,000
3.00%
▼ 0.12% below Washington avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
6-Month Certificate
$500
2.93%
▼ 0.19% below Washington avg
▼
Rate2.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 0.19% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$0
2.80%
▼ 0.32% below Washington avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.32% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Rate History
No change since Sep 19, 2026 · 2.80% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 6 Month Certificate of Deposit
$0
2.80%
▼ 0.32% below Washington avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.32% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Rate History
No change since Sep 19, 2026 · 2.80% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$0
2.55%
▼ 0.57% below Washington avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.57% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.52%, APY* Without Checking: 2.55%, Interest Rate With Checking: 3.01%, APY* With Checking: 3.05%
Rate History
No change since Sep 19, 2026 · 2.55% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 6 Month Certificate of Deposit
$0
2.55%
▼ 0.57% below Washington avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.57% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.52%, APY* Without Checking: 2.55%, Interest Rate With Checking: 3.01%, APY* With Checking: 3.05%
Rate History
1 change since Sep 19, 2026 · 3.05% → 2.55% ▼ 0.50 pts · high 3.05% / low 2.55%
- Sep 24, 20262.55%▼ from 3.05%
- Sep 19, 20263.05%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$50,000
2.50%
▼ 0.62% below Washington avg
▼
Rate2.47%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.62% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$10,000
2.45%
▼ 0.67% below Washington avg
▼
Rate2.42%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.67% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$500
2.40%
▼ 0.72% below Washington avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 0.72% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
6 Month Certificate of Deposit
$0
2.30%
▼ 0.82% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.82% below avgNationally 2.77%
Details
Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 6 Month Certificate of Deposit
$0
2.30%
▼ 0.82% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.82% below avgNationally 2.77%
Details
Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Veterans Family Fund
$100
1.50%
▼ 1.62% below Washington avg
▼
Rate1.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 1.62% below avgNationally 2.77%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Fixed Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Interest Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Fixed Rate
$2,500
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
6 Month Standard CD
$1,000
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.18% above Washington avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.12%▲ 1.18% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.03% above Washington avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 1.03% above avgNationally 2.77%
Details
Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term
Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
- Oct 8, 20264.15%▲ from 4.04%
- Sep 30, 20264.04%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08%
▲ 0.96% above Washington avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.96% above avgNationally 2.77%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Sep 18, 20264.08%▲ from 3.82%
- Sep 12, 20263.82%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
Tacoma 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Certificate Accounts
$0
4.50%
▲ 1.20% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 3.60%
- Oct 14, 20264.50%▲ from 3.60%
- Oct 10, 20263.60%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.05% above Washington avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Certificate Accounts
$0
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.45%
- Oct 14, 20264.35%▲ from 3.45%
- Oct 10, 20263.45%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 1 year
$50,000
4.26%
▲ 0.96% above Washington avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.96% above avgNationally 2.99%
Details
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
- Oct 14, 20264.26%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Certificate Accounts
$0
4.20%
▲ 0.90% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.90% above avgNationally 2.99%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.30%
- Oct 14, 20264.20%▲ from 3.30%
- Oct 10, 20263.30%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Business Jumbo Certificate of Deposit
$50,000
4.15%
▲ 0.85% above Washington avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 14, 20264.15%▲ from 3.70%
- Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Jumbo Certificates of Deposit
$50,000
4.15%
▲ 0.85% above Washington avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.85% above avgNationally 2.99%
Details
Bump Option: Not Eligible
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 14, 20264.15%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 1 year
$1,000
4.11%
▲ 0.81% above Washington avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.81% above avgNationally 2.99%
Details
Bump Option: Not Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.11% ▲ 0.45 pts · high 4.11% / low 3.66%
- Oct 14, 20264.11%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.80% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
4.10%
▲ 0.80% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.80% above avgNationally 2.99%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.75% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.75% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.70% above Washington avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate - Wave Club
$0
4.00%
▲ 0.70% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month IRA Wave Club Certificate
$500
4.00%
▲ 0.70% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
4.00%
▲ 0.70% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.70% above Washington avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
3.95%
▲ 0.65% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.65% above avgNationally 2.99%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 14, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Business Certificate of Deposit
$1,000
3.90%
▲ 0.60% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.60% above avgNationally 2.99%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
- Oct 10, 20263.90%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
1 Year Certificate
$1,000
3.90%
▲ 0.60% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.60% above avgNationally 2.99%
Details
Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
3.85%
▲ 0.55% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.55% above avgNationally 2.99%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▲ 0.52% above Washington avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.52% above avgNationally 2.99%
Details
APY offered as of 1/1/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
7805 S Hosmer St, Tacoma, WA 98408
12 MONTH CD SPECIAL
$500
3.80%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.30%▲ 0.50% above avgNationally 2.99%
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
7805 S Hosmer St, Tacoma, WA 98408
12 MONTH IRA CD SPECIAL
$50
3.80%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.30%▲ 0.50% above avgNationally 2.99%
Details
APY=Annual Percentage Yield. The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$500
3.80%
▲ 0.50% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.50% above avgNationally 2.99%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 14, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
Promotional Share Certificates - 12 Months (New Money)
$500
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
New money only
Rate History
No change since Oct 12, 2026 · 3.75% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
12 Month Business Jumbo Certificate
$0
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
12 Month Jumbo Certificates
$0
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
12-Month Certificate
$500
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 12-Month Certificate
$50,000
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate
$0
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month IRA Certificate
$500
3.75%
▲ 0.45% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
IRA Certificates
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Fixed Certificate
$500
3.70%
▲ 0.40% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.40% above avgNationally 2.99%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.70%
▲ 0.40% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.40% above avgNationally 2.99%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$0
3.60%
▲ 0.30% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.99%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
12 Month IRA Share Certificates
$1,000
3.55%
▲ 0.25% above Washington avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
12 Month Business Certificates
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
12 Month IRA Certificates
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 12 Month
$0
3.50%
▲ 0.20% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$0
3.45%
▲ 0.15% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.15% above avgNationally 2.99%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.45%
▲ 0.15% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.15% above avgNationally 2.99%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
Youth CD: 12 Month
$0
3.45%
▲ 0.15% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.15% above avgNationally 2.99%
Details
Balance: $250 and over; Certificate Amount: $250 and over; Effective Date: May 15, 2026
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 5 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
12 Month Certificate
$0
3.30%
At Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%At the averageNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Oct 9, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
12 Month Bump Certificate
$0
3.30%
At Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%At the averageNationally 2.99%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 12-Mo. Term
$1,000
3.25%
▼ 0.05% below Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.05% below avgNationally 2.99%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 12-Mo. Term
$1,000
3.25%
▼ 0.05% below Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 0.05% below avgNationally 2.99%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
12 Month Certificate of Deposit
$0
3.10%
▼ 0.20% below Washington avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 0.20% below avgNationally 2.99%
Details
Interest Rate Without Checking: 2.57%, APY* Without Checking: 2.60%
Rate History
No change since Sep 19, 2026 · 3.10% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 12 Month Certificate of Deposit
$0
3.10%
▼ 0.20% below Washington avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 0.20% below avgNationally 2.99%
Details
Interest Rate Without Checking: 2.57%, APY* Without Checking: 2.60%
Rate History
1 change since Sep 19, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Oct 7, 20263.10%▲ from 2.85%
- Sep 19, 20262.85%first recorded
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - Jumbo 12-month
$60,000
3.10%
▼ 0.20% below Washington avg
▼
Rate3.07%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 0.20% below avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 3.10% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - 12-month
$1,000
3.00%
▼ 0.30% below Washington avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 0.30% below avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 7 times
Tacoma 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Certificate Accounts
$0
4.60%
▲ 1.41% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 14, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Certificate Accounts
$0
4.45%
▲ 1.26% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.26% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.45% ▲ 0.50 pts · high 4.45% / low 3.95%
- Oct 14, 20264.45%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Certificate Accounts
$0
4.30%
▲ 1.11% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.11% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 14, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.96% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
18-month Certificate Special
$0
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Special Certificates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
3.95%
▲ 0.76% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
18 Month Fixed Certificate
$500
3.80%
▲ 0.61% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
18 Month IRA Share Certificates
$1,000
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
Promotional Share Certificates - 18 Months
$5,000
3.75%
▲ 0.56% above Washington avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Opening & Min Balance Req. $5,000+
Rate History
No change since Oct 12, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.51% above Washington avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
18 Month Bump Certificate of Deposit
$0
3.70%
▲ 0.51% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 18 Month Bump Certificate of Deposit
$0
3.70%
▲ 0.51% above Washington avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%
Rate History
1 change since Sep 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 7, 20263.70%▲ from 3.45%
- Sep 19, 20263.45%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
18 Month Bump Certificate of Deposit
$0
3.45%
▲ 0.26% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.26% above avgNationally 2.88%
Details
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 18 Month Bump Certificate of Deposit
$0
3.45%
▲ 0.26% above Washington avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.26% above avgNationally 2.88%
Details
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
18 Month Business Jumbo Certificate
$0
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
18 Month Jumbo Certificates
$0
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 18-Mo. Term
$1,000
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 18-Mo. Term
$1,000
3.25%
▲ 0.06% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
18 Month Bump Certificate of Deposit
$0
3.20%
▲ 0.01% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.01% above avgNationally 2.88%
Details
Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%, Interest Rate With Checking: 3.64%, APY* With Checking: 3.70%
Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 18 Month Bump Certificate of Deposit
$0
3.20%
▲ 0.01% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.01% above avgNationally 2.88%
Details
Interest Rate Without Checking: 3.15%, APY* Without Checking: 3.20%, Interest Rate With Checking: 3.64%, APY* With Checking: 3.70%
Rate History
1 change since Sep 19, 2026 · 3.70% → 3.20% ▼ 0.50 pts · high 3.70% / low 3.20%
- Sep 24, 20263.20%▼ from 3.70%
- Sep 19, 20263.70%first recorded
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
18-Month Flex-Withdrawal Certificate
$0
3.15%
▼ 0.04% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▼ 0.04% below avgNationally 2.88%
Details
Access up to half your savings without penalty. One penalty-free withdrawal for up to 50% of the balance may be taken during the term. Additional withdrawals may incur a penalty. IRA Certificates are not eligible. Early withdrawals on all other certificates may also incur a penalty. See Certificate Rate and Fee Schedule for details.
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
3.00%
▼ 0.19% below Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.19% below avgNationally 2.88%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
18 Month Business Certificates
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Flex Certificate; unlimited add-on deposits; withdrawal cannot reduce balance below $2,500
Rate History
No change since Oct 13, 2026 · 2.99% APY
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
18 Month IRA Certificates
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 18 Month (Flex)
$0
2.99%
▼ 0.20% below Washington avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.20% below avgNationally 2.88%
Details
Flex Certificate: unlimited add-on deposits; one-time bump to current Flex rate on request; withdrawals cannot reduce balance below $2,500; Balance: $2,500 minimum
Rate History
No change since Oct 9, 2026 · 2.99% APY · checked 2 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
18 Month Bump Certificate of Deposit
$0
2.95%
▼ 0.24% below Washington avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 0.24% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 18 Month Bump Certificate of Deposit
$0
2.95%
▼ 0.24% below Washington avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 0.24% below avgNationally 2.88%
Details
Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
2.85%
▼ 0.34% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.34% below avgNationally 2.88%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.44% below Washington avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.44% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 18-Month Certificate
$50,000
2.56%
▼ 0.63% below Washington avg
▼
Rate2.53%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.63% below avgNationally 2.88%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Certificate
$500
2.41%
▼ 0.78% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.41% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Fixed Rate Accumulator IRA Certificate
$500
2.41%
▼ 0.78% below Washington avg
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.78% below avgNationally 2.88%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 2.41% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 18-Month Certificate
$500
2.05%
▼ 1.14% below Washington avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 1.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$10,000
1.50%
▼ 1.69% below Washington avg
▼
Rate1.49%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 1.69% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$500
1.40%
▼ 1.79% below Washington avg
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 1.79% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 2.44% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
18 Month Standard CD
$1,000
0.75%
▼ 2.44% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 2.44% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
18 Month CD
$500
0.02%
▼ 3.17% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 3.17% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18%
▲ 0.99% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.99% above avgNationally 2.88%
Details
Terms and Conditions
Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
- Sep 19, 20264.18%▲ from 4.08%
- Sep 7, 20264.08%first recorded
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15%
▲ 0.96% above Washington avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
Special Rate!; Balance: $500 - $4,999; Dividends compounded monthly, credited monthly
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
- Oct 9, 20264.15%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.10% ▲ 1.10 pts · high 4.10% / low 3.00%
- Oct 14, 20264.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Oct 10, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month Certificate
$1,000
4.05%
▲ 0.86% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
Rate History
1 change since Sep 19, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 7, 20264.05%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Tacoma 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 2 year
$50,000
4.46%
▲ 1.59% above Washington avg
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.59% above avgNationally 2.88%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
- Oct 14, 20264.46%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Business Jumbo Certificate of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Jumbo Certificates of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Bump Option: Eligible
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 2 year
$1,000
4.31%
▲ 1.44% above Washington avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.44% above avgNationally 2.88%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
- Oct 14, 20264.31%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Accounts
$0
4.30%
▲ 1.43% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.43% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.40%
- Oct 14, 20264.30%▲ from 3.40%
- Oct 10, 20263.40%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Accounts
$0
4.15%
▲ 1.28% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.28% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.25%
- Oct 14, 20264.15%▲ from 3.25%
- Oct 10, 20263.25%▼ from 3.65%
- Sep 14, 20263.65%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Business Certificate of Deposit
$1,000
4.10%
▲ 1.23% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 10, 20264.10%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
2 Year Certificate
$1,000
4.10%
▲ 1.23% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate - Wave Club
$0
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month IRA Wave Club Certificate
$500
4.00%
▲ 1.13% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Certificate Accounts
$0
4.00%
▲ 1.13% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.13% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.10%
- Oct 14, 20264.00%▲ from 3.10%
- Oct 10, 20263.10%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.90%
▲ 1.03% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.03% above avgNationally 2.88%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Oct 14, 20263.90%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.80%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.93% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate
$0
3.75%
▲ 0.88% above Washington avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.88% above avgNationally 2.88%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month IRA Certificate
$500
3.75%
▲ 0.88% above Washington avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.88% above avgNationally 2.88%
Details
IRA Certificates
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.75%
▲ 0.88% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.88% above avgNationally 2.88%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 14, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.83% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.83% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.79% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.79% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.65%
▲ 0.78% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.78% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.73% above Washington avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.73% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$500
3.60%
▲ 0.73% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.73% above avgNationally 2.88%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 14, 20263.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Fixed Certificate
$500
3.50%
▲ 0.63% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.63% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$0
3.40%
▲ 0.53% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.53% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 24-Mo. Term
$1,000
3.25%
▲ 0.38% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.38% above avgNationally 2.88%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 24-Mo. Term
$1,000
3.25%
▲ 0.38% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.38% above avgNationally 2.88%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$0
3.25%
▲ 0.38% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.38% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
24 Month Long-term Share Certificate
$0
3.10%
▲ 0.23% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
24 Month Bump Certificate
$0
3.10%
▲ 0.23% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.23% above avgNationally 2.88%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
24 Month Business Jumbo Certificate
$0
3.01%
▲ 0.14% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.14% above avgNationally 2.88%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 3.01% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
24 Month Jumbo Certificates
$0
3.01%
▲ 0.14% above Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.14% above avgNationally 2.88%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 3.01% APY · checked 6 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.90%
▲ 0.03% above Washington avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.03% above avgNationally 2.88%
Details
Balance: $100,000 and over; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$0
2.85%
▼ 0.02% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.02% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.33%, APY* Without Checking: 2.35%
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 24 Month Certificate of Deposit
$0
2.85%
▼ 0.02% below Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.02% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.33%, APY* Without Checking: 2.35%
Rate History
1 change since Sep 19, 2026 · 2.60% → 2.85% ▲ 0.25 pts · high 2.85% / low 2.60%
- Oct 7, 20262.85%▲ from 2.60%
- Sep 19, 20262.60%first recorded
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
24 Month Business Certificates
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
24 Month IRA Certificates
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 24 Month
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.70%
▼ 0.17% below Washington avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.17% below avgNationally 2.88%
Details
Balance: $500 - $99,999.99; Effective Date: April 20, 2026
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$0
2.60%
▼ 0.27% below Washington avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.27% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY* With Checking: 2.60%
Rate History
No change since Sep 19, 2026 · 2.60% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 24 Month Certificate of Deposit
$0
2.60%
▼ 0.27% below Washington avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.27% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY* With Checking: 2.60%
Rate History
No change since Sep 19, 2026 · 2.60% APY · checked 7 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - Jumbo 24-month
$60,000
2.57%
▼ 0.30% below Washington avg
▼
Rate2.55%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 0.30% below avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 2.57% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - 24-month
$1,000
2.47%
▼ 0.40% below Washington avg
▼
Rate2.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 0.40% below avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 2.47% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼ 0.41% below Washington avg
▼
Rate2.43%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.41% below avgNationally 2.88%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 2.46% APY · checked 6 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$100,000
2.45%
▼ 0.42% below Washington avg
▼
Rate2.42%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.42% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$50,000
2.40%
▼ 0.47% below Washington avg
▼
Rate2.37%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.47% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
- Oct 14, 20262.40%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
24-Month Certificate
$500
2.36%
▼ 0.51% below Washington avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.51% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.36% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$0
2.35%
▼ 0.52% below Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.33%, APY* Without Checking: 2.35%, Interest Rate With Checking: 2.81%, APY* With Checking: 2.85%
Rate History
No change since Sep 19, 2026 · 2.35% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 24 Month Certificate of Deposit
$0
2.35%
▼ 0.52% below Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.33%, APY* Without Checking: 2.35%, Interest Rate With Checking: 2.81%, APY* With Checking: 2.85%
Rate History
1 change since Sep 19, 2026 · 2.85% → 2.35% ▼ 0.50 pts · high 2.85% / low 2.35%
- Sep 24, 20262.35%▼ from 2.85%
- Sep 19, 20262.85%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$10,000
2.35%
▼ 0.52% below Washington avg
▼
Rate2.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.35%
- Oct 14, 20262.35%▼ from 2.35%
- Sep 14, 20262.35%first recorded
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$500
2.30%
▼ 0.57% below Washington avg
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.57% below avgNationally 2.88%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.30% ▼ 0.05 pts · high 2.35% / low 2.30%
- Oct 14, 20262.30%▼ from 2.35%
- Sep 14, 20262.35%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
24 Month Certificate of Deposit
$0
2.10%
▼ 0.77% below Washington avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 0.77% below avgNationally 2.88%
Details
Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY* With Checking: 2.60%
Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 7 times
Tacoma 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.44% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.44% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Accounts
$0
3.75%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.04% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 3 year
$50,000
3.60%
▲ 0.89% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.89% above avgNationally 2.81%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Accounts
$0
3.55%
▲ 0.84% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.84% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 3 year
$1,000
3.51%
▲ 0.80% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.80% above avgNationally 2.81%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
36-month Pacific Northwest (PNW) Certificate
$0
3.50%
▲ 0.79% above Washington avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details
Special Certificates
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.50%
▲ 0.79% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.79% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.79% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.79% above avgNationally 2.81%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Certificate Accounts
$0
3.35%
▲ 0.64% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.64% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.30%
▲ 0.59% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.59% above avgNationally 2.81%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.59% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.59% above avgNationally 2.81%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
3 Year Certificate
$1,000
3.30%
▲ 0.59% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.59% above avgNationally 2.81%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 36-Mo. Term
$1,000
3.25%
▲ 0.54% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 36-Mo. Term
$1,000
3.25%
▲ 0.54% above Washington avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
3.25%
▲ 0.54% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$500
3.10%
▲ 0.39% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.39% above avgNationally 2.81%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
3.05%
▲ 0.34% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.34% above avgNationally 2.81%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$0
3.00%
▲ 0.29% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.29% above avgNationally 2.81%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
36 Month Business Jumbo Certificate
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.20% above avgNationally 2.81%
Details
Minimum balance $100,000
Rate History
No change since Oct 9, 2026 · 2.91% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
36 Month Jumbo Certificates
$0
2.91%
▲ 0.20% above Washington avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.20% above avgNationally 2.81%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 2.91% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Fixed Certificate
$500
2.85%
▲ 0.14% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.14% above avgNationally 2.81%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.85%
▲ 0.14% above Washington avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.14% above avgNationally 2.81%
Details
Effective May 15, 2026; Balance: $100,000 and over
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$0
2.80%
▲ 0.09% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.09% above avgNationally 2.81%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
36 Month Business Certificates
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
36 Month IRA Certificates
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 36 Month
$0
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Sep 22, 2026 · 2.65% APY · checked 4 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
36 Month Long-term Share Certificate
$0
2.64%
▼ 0.07% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▼ 0.07% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.64% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
36 Month Bump Certificate
$0
2.60%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.11% below avgNationally 2.81%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.60%
▼ 0.11% below Washington avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.11% below avgNationally 2.81%
Details
Effective May 15, 2026; Balance: $500 - $99,999.99
Rate History
No change since Sep 22, 2026 · 2.60% APY · checked 5 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$0
2.45%
▼ 0.26% below Washington avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.93%, APY* Without Checking: 1.95%
Rate History
No change since Sep 19, 2026 · 2.45% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 36 Month Certificate of Deposit
$0
2.45%
▼ 0.26% below Washington avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.93%, APY* Without Checking: 1.95%
Rate History
1 change since Sep 19, 2026 · 2.20% → 2.45% ▲ 0.25 pts · high 2.45% / low 2.20%
- Oct 7, 20262.45%▲ from 2.20%
- Sep 19, 20262.20%first recorded
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 36 months
$60,000
2.21%
▼ 0.50% below Washington avg
▼
Rate2.20%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 0.50% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.21% APY · checked 3 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$0
2.20%
▼ 0.51% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.51% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 36 Month Certificate of Deposit
$0
2.20%
▼ 0.51% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.51% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 7 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificates - 36-month
$1,000
2.11%
▼ 0.60% below Washington avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 0.60% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.11% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$10,000
2.05%
▼ 0.66% below Washington avg
▼
Rate2.03%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.66% below avgNationally 2.81%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$500
2.00%
▼ 0.71% below Washington avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.71% below avgNationally 2.81%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$0
1.95%
▼ 0.76% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.76% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.93%, APY* Without Checking: 1.95%, Interest Rate With Checking: 2.42%, APY* With Checking: 2.45%
Rate History
No change since Sep 19, 2026 · 1.95% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 36 Month Certificate of Deposit
$0
1.95%
▼ 0.76% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 0.76% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.93%, APY* Without Checking: 1.95%, Interest Rate With Checking: 2.42%, APY* With Checking: 2.45%
Rate History
1 change since Sep 19, 2026 · 2.45% → 1.95% ▼ 0.50 pts · high 2.45% / low 1.95%
- Sep 24, 20261.95%▼ from 2.45%
- Sep 19, 20262.45%first recorded
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
36-Month Certificate
$500
1.89%
▼ 0.82% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 6 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 36-Month Certificate
$500
1.74%
▼ 0.97% below Washington avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.74% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
36 Month Certificate of Deposit
$0
1.70%
▼ 1.01% below Washington avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 1.01% below avgNationally 2.81%
Details
Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Rate History
No change since Sep 19, 2026 · 1.70% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 36 Month Certificate of Deposit
$0
1.70%
▼ 1.01% below Washington avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 1.01% below avgNationally 2.81%
Details
Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Rate History
No change since Sep 19, 2026 · 1.70% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 1.96% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
36 Month Standard CD
$1,000
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 1.96% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
Promotional Share Certificates - 36 Month Flex
$500
0.60%
▼ 2.11% below Washington avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 2.11% below avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 0.60% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.31% below Washington avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 2.31% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.31% below Washington avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 2.31% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
Tacoma 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Accounts
$0
3.75%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 4 year
$50,000
3.60%
▲ 0.99% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Accounts
$0
3.55%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.94% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 4 year
$1,000
3.51%
▲ 0.90% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.90% above avgNationally 2.80%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 48-Mo. Term
$1,000
3.35%
▲ 0.74% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 48-Mo. Term
$1,000
3.35%
▲ 0.74% above Washington avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Certificate Accounts
$0
3.35%
▲ 0.74% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.74% above avgNationally 2.80%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.30%
▲ 0.69% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.69% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
4 Year Certificate
$1,000
3.30%
▲ 0.69% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.69% above avgNationally 2.80%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate - Wave Club
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Standard Certificates; Wave Club: requires active PSCCU Checking Account with direct deposit and active PSCCU Visa Credit Card
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month IRA Wave Club Certificate
$500
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA Certificates; Wave Club: requires active PSCCU Checking Account (direct deposit or regular deposits) and active Visa Credit Card
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
3.25%
▲ 0.64% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$500
3.10%
▲ 0.49% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.49% above avgNationally 2.80%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
3.05%
▲ 0.44% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.44% above avgNationally 2.80%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate
$0
3.00%
▲ 0.39% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details
Standard Certificates
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month IRA Certificate
$500
3.00%
▲ 0.39% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details
IRA Certificates
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$0
3.00%
▲ 0.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.39% above avgNationally 2.80%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Fixed Certificate
$500
2.85%
▲ 0.24% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.24% above avgNationally 2.80%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$0
2.80%
▲ 0.19% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.19% above avgNationally 2.80%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
48 Month Bump Certificate
$0
2.60%
▼ 0.01% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 0.01% below avgNationally 2.80%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$0
2.55%
▼ 0.06% below Washington avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.06% below avgNationally 2.80%
Details
Interest Rate Without Checking: 2.03%, APY* Without Checking: 2.05%
Rate History
No change since Sep 19, 2026 · 2.55% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 48 Month Certificate of Deposit
$0
2.55%
▼ 0.06% below Washington avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.06% below avgNationally 2.80%
Details
Interest Rate Without Checking: 2.03%, APY* Without Checking: 2.05%
Rate History
1 change since Sep 19, 2026 · 2.30% → 2.55% ▲ 0.25 pts · high 2.55% / low 2.30%
- Oct 7, 20262.55%▲ from 2.30%
- Sep 19, 20262.30%first recorded
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
48 Month Long-term Share Certificate
$0
2.50%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
48 Month Business Certificates
$0
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 48 Month
$0
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$0
2.30%
▼ 0.31% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.31% below avgNationally 2.80%
Details
Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 48 Month Certificate of Deposit
$0
2.30%
▼ 0.31% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.31% below avgNationally 2.80%
Details
Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$0
2.05%
▼ 0.56% below Washington avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.56% below avgNationally 2.80%
Details
Interest Rate Without Checking: 2.03%, APY* Without Checking: 2.05%, Interest Rate With Checking: 2.52%, APY* With Checking: 2.55%
Rate History
No change since Sep 19, 2026 · 2.05% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 48 Month Certificate of Deposit
$0
2.05%
▼ 0.56% below Washington avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.56% below avgNationally 2.80%
Details
Interest Rate Without Checking: 2.03%, APY* Without Checking: 2.05%, Interest Rate With Checking: 2.52%, APY* With Checking: 2.55%
Rate History
1 change since Sep 19, 2026 · 2.55% → 2.05% ▼ 0.50 pts · high 2.55% / low 2.05%
- Sep 24, 20262.05%▼ from 2.55%
- Sep 19, 20262.55%first recorded
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 48 months
$60,000
2.01%
▼ 0.60% below Washington avg
▼
Rate2.00%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.60% below avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 2.01% APY · checked 3 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 48 months
$1,000
1.91%
▼ 0.70% below Washington avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.70% below avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 1.91% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
48 Month Certificate of Deposit
$0
1.80%
▼ 0.81% below Washington avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.81% below avgNationally 2.80%
Details
Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Rate History
No change since Sep 19, 2026 · 1.80% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 48 Month Certificate of Deposit
$0
1.80%
▼ 0.81% below Washington avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 0.81% below avgNationally 2.80%
Details
Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Rate History
No change since Sep 19, 2026 · 1.80% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
48-Month Certificate
$500
1.79%
▼ 0.82% below Washington avg
▼
Rate1.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.82% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.79% APY · checked 6 times
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1917 S 72nd St, Tacoma, WA 98408
48 Month IRA Share Certificates
$1,000
1.00%
▼ 1.61% below Washington avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 1.61% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.86% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 1.86% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
48 Month Standard CD
$1,000
0.75%
▼ 1.86% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 1.86% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.11% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.11% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.11% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.11% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.36% below Washington avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.36% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
4 Year CD
$500
0.15%
▼ 2.46% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 2.46% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90%
▲ 1.29% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.29% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 7, 20263.90%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Month Business Certificate of Deposit
$1,000
3.85%
▲ 1.24% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.85%
▲ 1.24% above Washington avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.85% APY
Tacoma 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3407 S 23RD ST, TACOMA, WA 98405
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.04% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Accounts
$0
3.75%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.94% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates - 5 year
$50,000
3.60%
▲ 0.79% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.79% above avgNationally 2.91%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Accounts
$0
3.55%
▲ 0.74% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.74% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
IRA Certificate - 60-Mo. Term
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Compounds & Credits: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
Share Certificate - 60-Mo. Term
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificates - 5 year
$1,000
3.51%
▲ 0.70% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.70% above avgNationally 2.91%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.50%
▲ 0.69% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.91%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.69% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.91%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.69% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.69% above avgNationally 2.91%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Certificate Accounts
$0
3.35%
▲ 0.54% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.54% above avgNationally 2.91%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.30%
▲ 0.49% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.91%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Business Certificate of Deposit
$1,000
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.91%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1724 E 44th St, Tacoma, WA 98404 4611
5 Year Certificate
$1,000
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.91%
Details
Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
3.25%
▲ 0.44% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$500
3.10%
▲ 0.29% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.29% above avgNationally 2.91%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
3.05%
▲ 0.24% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.24% above avgNationally 2.91%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$0
3.00%
▲ 0.19% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.19% above avgNationally 2.91%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Fixed Certificate
$500
2.85%
▲ 0.04% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.04% above avgNationally 2.91%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$0
2.80%
▼ 0.01% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.01% below avgNationally 2.91%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1703 Dock St Ste A, Tacoma, WA 98402 3235
60-month Certificate
$0
2.78%
▼ 0.03% below Washington avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.03% below avgNationally 2.91%
Details
Certificates
Rate History
No change since Sep 22, 2026 · 2.78% APY · checked 2 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
60 Month Jumbo Certificates
$0
2.75%
▼ 0.06% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.06% below avgNationally 2.91%
Details
Unlimited deposits available during term
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$0
2.70%
▼ 0.11% below Washington avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.11% below avgNationally 2.91%
Details
Interest Rate Without Checking: 2.18%, APY* Without Checking: 2.20%
Rate History
No change since Sep 19, 2026 · 2.70% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 60 Month Certificate of Deposit
$0
2.70%
▼ 0.11% below Washington avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.11% below avgNationally 2.91%
Details
Interest Rate Without Checking: 2.18%, APY* Without Checking: 2.20%
Rate History
1 change since Sep 19, 2026 · 2.45% → 2.70% ▲ 0.25 pts · high 2.70% / low 2.45%
- Oct 7, 20262.70%▲ from 2.45%
- Sep 19, 20262.45%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2637 N Pearl St, Tacoma, WA 98407
60 Month Bump Certificate
$0
2.60%
▼ 0.21% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.21% below avgNationally 2.91%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
60 Month Long-term Share Certificate
$0
2.50%
▼ 0.31% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
60 Month Business Certificates
$0
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
Certificate Accounts - 60 Month
$0
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance: $500 minimum
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$0
2.45%
▼ 0.36% below Washington avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.36% below avgNationally 2.91%
Details
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Rate History
No change since Sep 19, 2026 · 2.45% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 60 Month Certificate of Deposit
$0
2.45%
▼ 0.36% below Washington avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.36% below avgNationally 2.91%
Details
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Rate History
No change since Sep 19, 2026 · 2.45% APY · checked 7 times
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1331 Broadway, Tacoma, WA 98402 3410
60 Month IRA Certificates
$0
2.25%
▼ 0.56% below Washington avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.56% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$0
2.20%
▼ 0.61% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.61% below avgNationally 2.91%
Details
Interest Rate Without Checking: 2.18%, APY* Without Checking: 2.20%, Interest Rate With Checking: 2.67%, APY* With Checking: 2.70%
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 60 Month Certificate of Deposit
$0
2.20%
▼ 0.61% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.61% below avgNationally 2.91%
Details
Interest Rate Without Checking: 2.18%, APY* Without Checking: 2.20%, Interest Rate With Checking: 2.67%, APY* With Checking: 2.70%
Rate History
1 change since Sep 19, 2026 · 2.70% → 2.20% ▼ 0.50 pts · high 2.70% / low 2.20%
- Sep 24, 20262.20%▼ from 2.70%
- Sep 19, 20262.70%first recorded
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Jumbo Certificate - 60 months
$60,000
2.16%
▼ 0.65% below Washington avg
▼
Rate2.15%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▼ 0.65% below avgNationally 2.91%
Details
Rate History
No change since Sep 12, 2026 · 2.16% APY · checked 3 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$10,000
2.15%
▼ 0.66% below Washington avg
▼
Rate2.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.66% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$500
2.10%
▼ 0.71% below Washington avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.71% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
Certificate - 60 months
$1,000
2.06%
▼ 0.75% below Washington avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▼ 0.75% below avgNationally 2.91%
Details
Rate History
No change since Sep 12, 2026 · 2.06% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
60 Month Certificate of Deposit
$0
1.95%
▼ 0.86% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.86% below avgNationally 2.91%
Details
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Rate History
No change since Sep 19, 2026 · 1.95% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2941 S 38th St, Tacoma, WA 98409
Business 60 Month Certificate of Deposit
$0
1.95%
▼ 0.86% below Washington avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 0.86% below avgNationally 2.91%
Details
Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Rate History
No change since Sep 19, 2026 · 1.95% APY · checked 7 times
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
5-Year Fixed Rate IRA Certificate
$500
1.89%
▼ 0.92% below Washington avg
▼
Rate1.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.92% below avgNationally 2.91%
Details
IRA; cannot open online, visit a branch or call
Rate History
No change since Sep 14, 2026 · 1.89% APY · checked 5 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$10,000
1.80%
▼ 1.01% below Washington avg
▼
Rate1.78%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 1.01% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$500
1.70%
▼ 1.11% below Washington avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 1.11% below avgNationally 2.91%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.06% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.06% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1250 Pacific Ave, Tacoma, WA 98402
60 Month Standard CD
$1,000
0.75%
▼ 2.06% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.06% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.31% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.31% below avgNationally 2.91%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2108 Commerce St, Tacoma, WA 98402
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.31% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.31% below avgNationally 2.91%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 1.49% above Washington avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 1.49% above avgNationally 2.91%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25%
▲ 1.44% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.81%▲ 1.44% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.39% above avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Tacoma, WA CD Rate Trends
Compare local Tacoma, 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
3.298%
▲ 0.034 vs 7 days ago
Washington 12-month CD rates rose 0.034 points over the past 7 days to 3.298% APY.
6-Month CD WA Avg
3.122%
▲ 0.004 vs 7 days ago
Washington 6-month CD rates rose 0.004 points over the past 7 days to 3.122% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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WA CD Rate Forecast, Next 12 Months
Where are Washington CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
3.298%
6-Month Forecast
3.298%
Range: 3.10%, 3.45%
12-Month Forecast
3.548%
Range: 3.35%, 3.70%
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What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.333% | $116.67 | $233.34 | $583.35 | $1,166.70 |
| 6-Month CD | 3.122% | $156.08 | $312.15 | $780.38 | $1,560.75 |
| 12-Month CD | 3.298% | $164.90 | $329.81 | $824.52 | $1,649.05 |
| 18-Month CD | 3.194% | $159.67 | $319.35 | $798.38 | $1,596.75 |
| 24-Month CD | 2.866% | $143.31 | $286.61 | $716.53 | $1,433.05 |
| 36-Month CD | 2.706% | $135.30 | $270.59 | $676.48 | $1,352.95 |
| 48-Month CD | 2.614% | $130.71 | $261.42 | $653.55 | $1,307.10 |
| 60-Month CD | 2.814% | $140.68 | $281.35 | $703.38 | $1,406.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Tacoma, Washington Savers
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.333% | $116.67 |
| 2 | 6-Month CD | $5,000 | 3.122% | $156.08 |
| 3 | 12-Month CD | $5,000 | 3.298% | $164.90 |
| 4 | 24-Month CD | $5,000 | 2.866% | $143.31 |
| 5 | 36-Month CD | $5,000 | 2.706% | $135.30 |
| Total ($25,000 invested) | $25,000 | 2.865% blended | $716.26/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.
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1,467
CD Rates
Tracked in Tacoma, Washington
Tracked in Tacoma, Washington
25 Banks
57 Credit Unions
About Our Tacoma, Washington CD Rate Database
MonitorBankRates tracks 1,467 CD rates from 25 banks and 57 credit unions with locations in Tacoma, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Gesa Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tacoma, Washington.
How to Find the Best CD Rates in Tacoma, Washington
What to compare when shopping for a CD in Tacoma, Washington
To find the best APYs in Tacoma, Washington, start with credit unions and online-only banks: Tacoma, Washington has 57 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 Tacoma, 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 Tacoma, Washington: 82 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tacoma, Washington savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Tacoma, Washington money market rates
Tacoma, Washington Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$49,930
National avg: $47,340
Poverty Rate
12.4%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$165/yr
At WA 12-mo avg 3.298% APY
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.298%, saving 10% of the local median salary ($4,993/year) and putting it in a CD would earn an additional $165 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 Tacoma, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Tacoma, Washington
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Tacoma, Washington typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Tacoma, Washington as everywhere in the U.S.
Choosing a CD Term in Tacoma, Washington
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Tacoma, Washington savers easier access to their funds. For example, Gesa Credit Union is offering its 6 Month Certificate Accounts at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Tacoma, Washington Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Tacoma, Washington saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Tacoma, Washington
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Tacoma, Washington CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Tacoma, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tacoma, Washington depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Tacoma, Washington
Are CD rates in Tacoma, Washington FDIC insured?
Yes, most established banks in Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, Washington?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.60% APY (18 Month Certificate Accounts)
- Seattle Metropolitan Credit Union: 4.46% APY (IRA Jumbo Certificates - 2 year)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate - Wave Club)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- TAPCO Credit Union: 3.82% APY (Business 12-Month CD)
- Timberland Bank: 3.80% APY (12 MONTH CD SPECIAL)
- Americas Federal Credit Union ACU: 3.75% APY (18 Month IRA Share Certificates)
- Sound Credit Union: 3.75% APY (12 Month Business Jumbo Certificate)
- Harborstone Credit Union: 3.75% APY (1-Year Fixed Rate Accumulator IRA Certificate)
Rates reflect recent verified offers available in Tacoma, Washington. Last Updated: October 14, 2026
Tacoma, Washington CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Tacoma, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Tacoma, Washington
Tacoma, Washington CD Calculator
At today’s WA top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Tacoma, Washington CD LadderWA CD rates currently range from 2.333% (3-month) to 2.706% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tacoma, Washington CD at 4.60% APY, know your exit cost. Most institutions charge 90 to 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 3.298% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tacoma, Washington CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tacoma, Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Tacoma, 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: October 14, 2026
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