Tacoma, Washington Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Tacoma, Washington CD rates include Gesa Credit UnionGesa Credit Union2637 N Pearl St, Tacoma, WA 98407A+5.0 ★Texas Ratio: 4.30%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.60% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union1703 Dock St Ste A, Tacoma, WA 98402 3235A+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate | Wave Club at 4.00% APY, TAPCO Credit UnionTAPCO Credit Union5303 112th St E, Tacoma, WA 98446A+5.0 ★Texas Ratio: 2.80%Real return: +1.02%APY minus CPI (February 2026) offering Business 12-Month CD at 3.82% APY, Timberland BankTimberland Bank7805 S Hosmer St, Tacoma, WA 98408A+5.0 ★Texas Ratio: 0.69%Real return: +1.00%APY minus CPI (February 2026) offering 12 MONTH CD SPECIAL at 3.80% APY, and Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union1724 E 44th St, Tacoma, WA 98404 4611A+5.0 ★Texas Ratio: 4.87%Real return: +1.00%APY minus CPI (February 2026) offering IRA Jumbo Certificates 1 year at 3.80% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Tacoma has 277 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 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: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
3-Mo. Term
$1,000
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 3 Months
$0
3.30%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 3 Months
$0
3.15%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.19% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business 3-Month CD
$500
3.04%
▲ 1.08% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.08% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 3 Months
$0
3.00%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
90 Day Certificate
$500
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
3 Month
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 3 Month
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 3 Month Certificate of Deposit
$0
2.00%
▲ 0.04% above national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3 Month Share Certificate
$0
3.82%
▲ 1.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.86% above avg
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 month Fixed
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.26%
3 Month Certificate
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 90 Day Fixed Rate
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 month
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 Day
$2,500
3.40%
▲ 1.44% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.70%
▲ 0.74% above national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.74% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.70%
▲ 0.74% above national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.74% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.65%
▲ 0.69% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.69% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.65%
▲ 0.69% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.69% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 day
$0
2.60%
▲ 0.64% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.64% above avg
Details
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Business 90 days
$0
2.60%
▲ 0.64% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.64% above avg
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 3 Month Certificate
$0
2.50%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Traditional Certificates
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Months
$100
2.25%
▲ 0.29% above national avg
▼
Rate2.23%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month
$0
2.10%
▲ 0.14% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.14% above avg
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months - OnPoint Rewards
$1,000
1.80%
▼ 0.16% below national avg
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.16% below avg
Details
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months
$1,000
1.55%
▼ 0.41% below national avg
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.41% below avg
Details
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months
$1,000
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Build a CD (SEG & Community Builders) 3 Month Certificate
$250
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.40%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.56% below avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.30%
▼ 0.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.66% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3 Month - Member Perks
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3-Month - Member Perks
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates 3 Month - Member Perks
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.25%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 3 Months
$0
1.25%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Business 3 Month
$0
1.20%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.76% below avg
Details
People's Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3-Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business 3 Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates 3 Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.55%
▼ 1.41% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.41% below avg
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.50%
▼ 1.46% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Certificate
$1,000
0.45%
▼ 1.51% below national avg
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.51% below avg
Details
Tacoma 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 6 Months
$0
4.10%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 6 Months
$0
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate | Wave Club
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates - 6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 6 month
$50,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Not Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 6 Months
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 6 month
$50,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 6 month
$50,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 6 month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Bump Option: Not Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
6-month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 6 month
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Bump Option: Not Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 6 Months
$0
3.45%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
6 Month
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 6 Month
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
6-Mo. Term
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
6 Month CD
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
6 month Certificate
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Bump Option: Not Eligible
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
6-Month Add-On
$0
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
6-Month Add-On Certificate
$250
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Add-On Certificate
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 6 Months
$0
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business 6-Month CD
$500
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 6-Month Certificate
$50,000
3.03%
▲ 0.36% above national avg
▼
Rate2.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.36% above avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
6-month
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
6-Month Certificate
$500
2.93%
▲ 0.26% above national avg
▼
Rate2.89%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.26% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$50,000
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$10,000
2.45%
▼ 0.22% below national avg
▼
Rate2.42%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.22% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Certificate
$500
2.40%
▼ 0.27% below national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.27% below avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 6 Month Certificate of Deposit
$0
2.30%
▼ 0.37% below national avg
▼
Rate2.28%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.37% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
6 Month Veterans Family Fund
$100
1.50%
▼ 1.17% below national avg
▼
Rate1.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11205 Pacific Ave S, Tacoma, WA 98444
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Promo CD
$500
3.95%
▲ 1.28% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 6 Mo Certificate - Regular, IRA, ESA
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month BUMP
$500
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
6 month Fixed
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 months
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Commercial 6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
6 months
$0
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Tacoma 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 12 Months
$0
4.50%
▲ 1.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 12 Months
$0
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.52% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 12 Months
$0
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.37% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 12 Months
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate | Wave Club
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month IRA Wave Club Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 12 Months
$0
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 12 Months
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business 12-Month CD
$500
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
7805 S Hosmer St, Tacoma, WA 98408
12 MONTH CD SPECIAL
$500
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Timberland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
7805 S Hosmer St, Tacoma, WA 98408
12 MONTH IRA CD SPECIAL
$50
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
The promotional APY is effective as of July 10, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 1 year
$50,000
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Not Eligible
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates - 12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
1-Year Fixed Rate Accumulator IRA Certificate
$100
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
12-Month Certificate
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 12-Month Certificate
$50,000
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month Certificate
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
12-month IRA Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 12 Months
$0
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 1 year
$50,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 1 year
$50,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 1 year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Bump Option: Not Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 1 year
$1,000
3.66%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Bump Option: Not Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
12 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 12 Months
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates 12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
12 Months
$0
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 12 Months
$50,000
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
12 Month CD
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Youth CD: 12 Month
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
1 year Certificate
$1,000
3.45%
▲ 0.62% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Bump Option: Not Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
12 Months
$0
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 12 Months
$500
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
12-Mo. Term
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
12 months
$0
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
12-month
$1,000
3.00%
▲ 0.17% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate
$100,000
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate
$50,000
2.95%
▲ 0.12% above national avg
▼
Rate2.91%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.12% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate - Bump Feature
$100,000
2.95%
▲ 0.12% above national avg
▼
Rate2.91%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.12% above avg
Details
Bump Feature
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 12-Month Certificate
$500
2.90%
▲ 0.07% above national avg
▼
Rate2.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate
$10,000
2.90%
▲ 0.07% above national avg
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate - Bump Feature
$50,000
2.90%
▲ 0.07% above national avg
▼
Rate2.86%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details
Bump Feature
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate
$500
2.85%
▲ 0.02% above national avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.02% above avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
1 Year Certificate - Bump Feature
$10,000
2.85%
▲ 0.02% above national avg
▼
Rate2.81%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.02% above avg
Details
Bump Feature
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 12 Month Certificate of Deposit
$0
2.35%
▼ 0.48% below national avg
▼
Rate2.33%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.48% below avg
Details
Tacoma 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 18 Months
$0
4.60%
▲ 1.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.92% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 18 Months
$0
4.45%
▲ 1.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.77% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 18 Months
$0
4.30%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 18 Months
$0
4.10%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 18 Months
$0
3.95%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
18-month GreenUp Certificate
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates - 18 Month
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 18 Month
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
18-Mo. Term
$1,000
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6909 S 19th St Ste 23 A, Tacoma, WA 98466 5546
18-Month Flex-Withdrawal Certificate
$0
3.15%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Flex-Withdrawal Certificate; 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.
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
18 Month (Flex)
$0
2.99%
▲ 0.31% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.31% above avg
Details
Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 18 Month (Flex)
$0
2.99%
▲ 0.31% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.31% above avg
Details
Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates 18 Month
$0
2.99%
▲ 0.31% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.31% above avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 18 Month Bump Certificate of Deposit
$0
2.95%
▲ 0.27% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.27% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
18 Month CD
$0
2.85%
▲ 0.17% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.17% above avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Jumbo 18-Month Certificate
$50,000
2.56%
▼ 0.12% below national avg
▼
Rate2.53%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.12% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Certificate
$500
2.41%
▼ 0.27% below national avg
▼
Rate2.38%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.27% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
18-Month Fixed Rate Accumulator IRA Certificate
$500
2.41%
▼ 0.27% below national avg
▼
Rate2.38%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.27% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 18-Month Certificate
$500
2.05%
▼ 0.63% below national avg
▼
Rate2.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$10,000
1.50%
▼ 1.18% below national avg
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details
IRA
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$500
1.40%
▼ 1.28% below national avg
▼
Rate1.39%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.28% below avg
Details
IRA
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Promo CD
$500
4.20%
▲ 1.52% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month CD
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9 & 18 months
$500
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
CD SPECIAL 9 & 18 months
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates CD SPECIAL 9 & 18 months
$500
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
18 Month
$1,000
3.65%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
18 month Fixed
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
18 months
$1,000
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Certificates 18 months
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$0
3.56%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
Details
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 18 Months
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Certificate Account
$500
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 18 Months
$0
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Certificate
$1,000
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Roth IRA / IRA Certificate
$250
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 months
$0
3.35%
▲ 0.67% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
18 Month Term Share
$500
3.35%
▲ 0.67% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
18 Month
$0
3.35%
▲ 0.67% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
18 month
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA 18 month
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month BUMP
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 18 Month Fixed Rate
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Tacoma 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 24 Months
$0
4.30%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 24 Months
$0
4.15%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate | Wave Club
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month IRA Wave Club Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 24 Months
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 2 year
$50,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month Certificate
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
24-month IRA Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 2 year
$50,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 2 year
$50,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 2 year
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 2 year
$1,000
3.66%
▲ 0.95% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 24 Months
$0
3.65%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 24 Months
$0
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
2 year Certificate
$1,000
3.45%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
24 Months
$0
3.40%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 24 Months
$100,000
3.40%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
24-Mo. Term
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
24 Months
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 24 Months
$50,000
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
24 Months
$0
3.10%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 24 Months
$500
3.10%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates - 24 Month
$0
3.01%
▲ 0.30% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.30% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 24 Month
$0
3.01%
▲ 0.30% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.30% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
24 Month
$0
2.75%
▲ 0.04% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 24 Month
$0
2.75%
▲ 0.04% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates 24 Month
$0
2.75%
▲ 0.04% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
24 Month CD
$0
2.70%
▼ 0.01% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.01% below avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
24-month
$1,000
2.47%
▼ 0.24% below national avg
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.24% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
2-Year Fixed Rate Accumulator IRA Certificate
$100
2.46%
▼ 0.25% below national avg
▼
Rate2.43%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.25% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$100,000
2.45%
▼ 0.26% below national avg
▼
Rate2.42%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.26% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$50,000
2.40%
▼ 0.31% below national avg
▼
Rate2.37%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$100,000
2.40%
▼ 0.31% below national avg
▼
Rate2.37%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details
Bump Feature
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
24-Month Certificate
$500
2.36%
▼ 0.35% below national avg
▼
Rate2.33%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.35% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$10,000
2.35%
▼ 0.36% below national avg
▼
Rate2.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.36% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$50,000
2.35%
▼ 0.36% below national avg
▼
Rate2.33%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.36% below avg
Details
Bump Feature
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate
$500
2.30%
▼ 0.41% below national avg
▼
Rate2.28%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.41% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
2 Year Certificate - Bump Feature
$10,000
2.30%
▼ 0.41% below national avg
▼
Rate2.28%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.41% below avg
Details
Bump Feature
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 24 Month Certificate of Deposit
$0
2.10%
▼ 0.61% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.61% below avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Month Promo CD
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 year
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month IRA
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
With .25% Bonus*
Tacoma 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 36 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 3 year
$50,000
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 36 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 3 year
$1,000
3.51%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details
Bump Option: Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
36-month Pacific Northwest (PNW) Certificate
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 36 Months
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 3 year
$50,000
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 3 year
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 36 Months
$0
3.35%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
3 year Certificate
$1,000
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Bump Option: Eligible
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
36-Mo. Term
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 36 Months
$0
3.10%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 36 Months
$0
3.05%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
36 Months
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 36 Months
$100,000
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business Jumbo Certificates - 36 Month
$0
2.91%
▲ 0.26% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.26% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 36 Month
$0
2.91%
▲ 0.26% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.26% above avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 36 Months
$0
2.85%
▲ 0.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.20% above avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.85%
▲ 0.20% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.20% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
36 Months
$0
2.80%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.15% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 36 Months
$50,000
2.80%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.15% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
36 Month
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
36 Month (Bump)
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 36 Month
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 36 Month (Bump)
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates 36 Month
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
36 Months
$0
2.60%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 36 Months
$500
2.60%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
36 Month CD
$0
2.60%
▼ 0.05% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
36-month
$1,000
2.11%
▼ 0.54% below national avg
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.54% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$10,000
2.05%
▼ 0.61% below national avg
▼
Rate2.03%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.61% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
3 Year Certificate
$500
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
36-Month Certificate
$500
1.89%
▼ 0.76% below national avg
▼
Rate1.87%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.76% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
Flexible 36-Month Certificate
$500
1.74%
▼ 0.91% below national avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.91% below avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 36 Month Certificate of Deposit
$0
1.70%
▼ 0.95% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.95% below avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 1.40% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
With .25% Bonus*
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit 36 Months
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.28%
36 Month Term Share (or IRA)
$0
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$1,000
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Tacoma 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 48 Months
$0
3.75%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 4 year
$50,000
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 48 Months
$0
3.55%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 4 year
$1,000
3.51%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 4 year
$50,000
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 4 year
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Bump Option: Eligible
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
48-Mo. Term
$1,000
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 48 Months
$0
3.35%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
4 year Certificate
$1,000
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Bump Option: Eligible
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate | Wave Club
$500
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month IRA Wave Club Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 48 Months
$0
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 48 Months
$0
3.10%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 48 Months
$0
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month Certificate
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
48-month IRA Certificate
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
48 Months
$0
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 48 Months
$100,000
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 48 Months
$0
2.85%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
48 Months
$0
2.80%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 48 Months
$50,000
2.80%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
48 Months
$0
2.60%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.06% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 48 Months
$500
2.60%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.06% below avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
48 Month
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 48 Month
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
48-month
$0
1.91%
▼ 0.75% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.75% below avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 48 Month Certificate of Deposit
$0
1.80%
▼ 0.86% below national avg
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.86% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
48-Month Certificate
$500
1.79%
▼ 0.87% below national avg
▼
Rate1.77%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.87% below avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 48 Months
$0
3.60%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
WCLA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
48 Month
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month
$1,000
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month IRA
$500
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 year
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
48 month Fixed
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Traditional 48 Month Certificate
$0
3.20%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Traditional Certificates
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4-Year Certificate
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4-Year Roth IRA / IRA Certificate
$250
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
48 months
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Commercial 48 Month
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Express Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 months
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.80%
▲ 0.14% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 48 Month
$0
2.80%
▲ 0.14% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Tacoma 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 60 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Jumbo Certificates 5 year
$50,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length. Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 60 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
4027 Tacoma Mall Blvd Ste K, Tacoma, WA 98409 7701
60-Mo. Term
$1,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
IRA Certificate 5 year
$1,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Business Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificate of Deposit - 5 year
$50,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Bump Option: Eligible
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
Jumbo Certificates of Deposit - 5 year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA CD 60 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
6510 6th Ave, Tacoma, WA 98406
Business 60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1724 E 44th St, Tacoma, WA 98404 4611
5 year Certificate
$1,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Bump Option: Eligible
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 60 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
6510 6th Ave, Tacoma, WA 98406
Business 60 Months
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
IRA Bump CD 60 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 60 Months
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.29% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
6510 6th Ave, Tacoma, WA 98406
Business 60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 60 Months
$100,000
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Fixed CD 60 Months
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.09% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
60 Months
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 60 Months
$50,000
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1703 Dock St Ste A, Tacoma, WA 98402 3235
60-month Certificate
$1,000
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.02% above avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Jumbo Certificates 60 Month
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Unlimited Deposits: Make additional deposits at any time during the term of the certificate.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
60 Months
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.16% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2637 N Pearl St, Tacoma, WA 98407
Bump CD - 60 Months
$500
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.16% below avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
60 Month
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
60 Month (Bump)
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 60 Month
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
Business 60 Month (Bump)
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
1331 Broadway, Tacoma, WA 98402 3410
IRA Certificates 60 Month
$0
2.25%
▼ 0.51% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$10,000
2.15%
▼ 0.61% below national avg
▼
Rate2.13%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.61% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year Certificate
$500
2.10%
▼ 0.66% below national avg
▼
Rate2.08%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.66% below avg
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2220 S 37th St Ste 7, Tacoma, WA 98409 7472
60-month
$0
2.06%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.70% below avg
Details
Sound Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA 98409
Business 60 Month Certificate of Deposit
$0
1.95%
▼ 0.81% below national avg
▼
Rate1.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.81% below avg
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
7220 Tacoma Mall Blvd, Tacoma, WA 98409
5-Year IRA Certificate
$500
1.89%
▼ 0.87% below national avg
▼
Rate1.87%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.87% below avg
Details
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$10,000
1.80%
▼ 0.96% below national avg
▼
Rate1.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.96% below avg
Details
IRA
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Camp Murray Building 16, Tacoma, WA 98430 0001
5 Year IRA Certificate
$500
1.70%
▼ 1.06% below national avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.06% below avg
Details
IRA
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
5985 6th Ave, Tacoma, WA 98406
60 Month Business CD
$0
1.15%
▼ 1.61% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.61% below avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Promo CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share & IRA Certificates 60 Months
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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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
2.833%
▲ 0.157 vs 7 days ago
Washington 12-month CD rates rose 0.157 points over the past 7 days to 2.833% APY.
6-Month CD — WA Avg
2.672%
▲ 0.629 vs 7 days ago
Washington 6-month CD rates rose 0.629 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WA CD Rate Forecast — Next 12 Months
Where are Washington CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
799
CD Rates
Tracked in Tacoma, Washington
Tracked in Tacoma, Washington
17 Banks
63 Credit Unions
About Our Tacoma, Washington CD Rate Database
MonitorBankRates tracks 799 CD rates from 17 banks and 63 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 (1–5), 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 63 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 — 80 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
$141/yr
At WA 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,993/year) and putting it in a CD would earn an additional $141 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 (90–180 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 IRA CD 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Gesa Credit Union is offering its IRA CD 60 Months at 3.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for 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 (IRA CD 18 Months)
- Puget Sound Cooperative Credit Union: 4.00% APY (12-month Certificate | Wave Club)
- TAPCO Credit Union: 3.82% APY (Business 12-Month CD)
- Timberland Bank: 3.80% APY (12 MONTH CD SPECIAL)
- Seattle Metropolitan Credit Union: 3.80% APY (IRA Jumbo Certificates 1 year)
- Sound Credit Union: 3.75% APY (Business Jumbo Certificates - 12 Month)
- Harborstone Credit Union: 3.75% APY (1-Year Fixed Rate Accumulator IRA Certificate)
- Qualstar Credit Union: 3.51% APY (3-Mo. Term)
- Washington State Employees Credit Union: 3.35% APY (6-Month Add-On)
- Global Federal Credit Union: 3.30% APY (Business 60 Months)
Rates reflect recent verified offers available in Tacoma, Washington. Last Updated: September 1, 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 30–180 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 1.964% (3-month) to 2.655% (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 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 2.833% 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: September 1, 2026
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