Tacoma, Washington Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Tacoma, Washington CD rates include Gesa Credit UnionGesa Credit Union2637 N Pearl St, Tacoma, WA 98407A+5.0 ★Texas Ratio: 5.39%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: 4.17%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: 1.84%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: 3.23%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: 4.50%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year IRA Jumbo Certificate at 3.80% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Tacoma has 373 local institutions in our database, with CD rates as high as 4.60% APY from Gesa Credit Union at 2637 N Pearl St, Tacoma, WA 98407. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Tacoma, Washington & the Surrounding Area
Tacoma 3 Month CD Rates
Balance: $100,000 and over
APY* (min. balance $100,000)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
Balance: $500 - $49,999.99
APY* (min. balance $500)
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75%
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY With Checking: 2.75%
Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 1.98%; APY Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY With Checking: 2.50%
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
UP to $99,999.99
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
No minimum deposit.
Rates up to 3.75% APY. Tiered Rates. Automatic renewal at current market rates.
$100,000+
Balance: $25,000.00 to $99,999.99
Balance: $75,000+
Balance: $75,000+
Balance: $25,000-$74,999
Balance: $25,000-$74,999
Balance: $0-$999
Balance: $0-$999
Tacoma 6 Month CD Rates
Minimum balance $100,000
Minimum balance $50,000
Minimum balance $500
Bump Option: Not Eligible
Balance: $100,000 and over
APY* (min. balance $100,000)
Balance: $100,000 and over
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Not Eligible
Bump Option: Not Eligible; 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.
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
Balance: $500 - $99,999.99
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Bump Option: Not Eligible
Unlimited additional deposits allowed.
Balance: $500 - $49,999.99
APY* (min. balance $500)
Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05%
Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05%
Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%
Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05%
Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY With Checking: 3.05%
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Interest Rate With Checking: 2.76%; APY* With Checking: 2.80%
Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.28%; APY Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY With Checking: 2.80%
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
UP to $99,999.99
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Tacoma 12 Month CD Rates
Minimum balance $100,000
Minimum balance $50,000
Minimum balance $500
APY* (min. balance $100,000)
Balance: $100,000 and over
APY* (min. balance $100,000)
APY* (min. balance $50,000)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
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.
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.
APY* (min. balance $500)
Bump Option: Not Eligible
1
Balance: $500 - $49,999.99
APY* (min. balance $500)
Balance: $100,000 and over
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Not Eligible
Bump Option: Not Eligible; 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.
APY* (min. balance $100,000)
APY* (min. balance $100,000)
Opening & Min. Balance Req. $1,000
APY* (min. balance $50,000)
APY* (min. balance $50,000)
Balance: $500 - $99,999.99
Balance: $250 and over
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Bump Option: Not Eligible
APY* (min. balance $500)
APY* (min. balance $500)
Term: 12 Month Certificate of Deposit; Interest Rate Without Checking: 2.57%; APY* Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY* With Checking: 3.10%
Interest Rate Without Checking: 2.57%; APY* Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY* With Checking: 3.10%
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Tacoma 18 Month CD Rates
Minimum balance $100,000
Minimum balance $50,000
Minimum balance $500
Balance: $100,000 and over
APY* (min. balance $100,000)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
Balance: $500 - $49,999.99
APY* (min. balance $500)
Opening & Min. Balance Req. $1,000
Opening & Min Balance Req. 18 Months
Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%
Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%
Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70%
Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY With Checking: 3.70%
One penalty-free withdrawal for up to 50% of the balance may be taken during the term. Additional withdrawals may incur a penalty.
Balance: $100,000 and over
Flex Certificate: Minimum balance is $2,500. 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.
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.
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.
Interest Rate With Checking: 3.40%; APY* With Checking: 3.45%
Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 2.91%; APY Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY With Checking: 3.45%
Balance: $500 - $99,999.99
1
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
GBC 50th Anniversary Special!
Tacoma 24 Month CD Rates
Minimum balance $100,000
Minimum balance $50,000
Minimum balance $500
APY* (min. balance $100,000)
Balance: $100,000 and over
APY* (min. balance $100,000)
Bump Option: Eligible
APY* (min. balance $50,000)
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Eligible
Bump Option: Eligible; 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.
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
APY* (min. balance $500)
Balance: $500 - $49,999.99
APY* (min. balance $500)
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
APY* (min. balance $100,000)
APY* (min. balance $100,000)
APY* (min. balance $50,000)
APY* (min. balance $50,000)
APY* (min. balance $500)
APY* (min. balance $500)
Balance: $100,000 and over
Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85%
Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85%
Balance: $500 - $99,999.99
Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%
Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY* With Checking: 2.60%
1
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85%
Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY With Checking: 2.85%
Tacoma 36 Month CD Rates
Minimum balance $100,000
Bump Option: Eligible
Minimum balance $50,000
Bump Option: Eligible; 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.
APY* (min. balance $100,000)
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Eligible
Opening & Min Balance Req. 36 Months
Minimum balance $500
APY* (min. balance $50,000)
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Balance: $100,000 and over
APY* (min. balance $100,000)
APY* (min. balance $500)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
APY* (min. balance $100,000)
APY* (min. balance $100,000)
Balance: $500 - $49,999.99
APY* (min. balance $500)
Balance: $100,000 and over
APY* (min. balance $50,000)
APY* (min. balance $50,000)
Bump Certificate: Minimum balance is $2,500. 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.
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.
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.
APY* (min. balance $500)
APY* (min. balance $500)
Balance: $500 - $99,999.99
Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%
Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY With Checking: 2.45%
Interest Rate With Checking: 2.18%; APY* With Checking: 2.20%
Tacoma 48 Month CD Rates
Minimum balance $100,000
Bump Option: Eligible
Minimum balance $50,000
Bump Option: Eligible; 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.
APY* (min. balance $100,000)
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Eligible
Minimum balance $500
APY* (min. balance $50,000)
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Balance: $100,000 and over
APY* (min. balance $100,000)
APY* (min. balance $500)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
APY* (min. balance $100,000)
APY* (min. balance $100,000)
Balance: $500 - $49,999.99
APY* (min. balance $500)
APY* (min. balance $50,000)
APY* (min. balance $50,000)
APY* (min. balance $500)
APY* (min. balance $500)
Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55%
Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55%
Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%
Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55%
Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY With Checking: 2.55%
Interest Rate With Checking: 2.28%; APY* With Checking: 2.30%
Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 1.79%; APY Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY With Checking: 2.30%
Opening & Min. Balance Req. $1,000
Tacoma 60 Month CD Rates
Minimum balance $100,000
Bump Option: Eligible
Minimum balance $50,000
Bump Option: Eligible; 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.
APY* (min. balance $100,000)
Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Bump Option: Eligible
Minimum balance $500
APY* (min. balance $50,000)
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Bump Option: Eligible
Balance: $100,000 and over
APY* (min. balance $100,000)
APY* (min. balance $500)
Balance: $50,000 - $99,999.99
APY* (min. balance $50,000)
APY* (min. balance $100,000)
APY* (min. balance $100,000)
Balance: $500 - $49,999.99
APY* (min. balance $500)
APY* (min. balance $50,000)
APY* (min. balance $50,000)
Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70%
Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70%
APY* (min. balance $500)
APY* (min. balance $500)
Bump Certificate: Minimum balance is $2,500. 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.
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.
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.
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%
Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70%
Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY With Checking: 2.70%
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Interest Rate With Checking: 2.42%; APY* With Checking: 2.45%
Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY With Checking: 2.45%
1
Withdrawals: Allowed-<em>See Transaction Limitations</em>; Dividends Compounded/Credited: Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Washington 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
Washington 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
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.
What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
Tracked in Tacoma, Washington
About Our Tacoma, Washington CD Rate Database
MonitorBankRates tracks 1,271 CD rates from 19 banks and 59 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 59 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: 78 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
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 2.945%, saving 10% of the local median salary ($4,993/year) and putting it in a CD would earn an additional $147 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?
Do I have to pay state taxes on CD interest in Tacoma, Washington?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Tacoma, Washington?
- 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 (1 Year IRA Jumbo Certificate)
- Americas Federal Credit Union ACU: 3.75% APY (18 Month IRA Share Certificates)
- Sound Credit Union: 3.75% APY (12 Month Business Jumbo Certificates)
- Harborstone Credit Union: 3.75% APY (1-Year Fixed Rate Accumulator IRA Certificate)
- Sound Community Bank: 3.70% APY (18 Month Bump Certificate of Deposit)
- Qualstar Credit Union: 3.51% APY (3-Mo. Term)
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.
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
At today’s WA top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Tacoma, Washington CD LadderWA CD rates currently range from 2.055% (3-month) to 2.754% (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 2.945% 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.
Tacoma, Washington Rates & Resources
