Vancouver, Washington Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Vancouver, Washington CD rates range from 0.02% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Vancouver, Washington CD rates include IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA 98660 2918A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, HAPO Community Credit UnionHAPO Community Credit Union13909 SE Mill Plain Blvd, Vancouver, WA 98684A+5.0 ★Texas Ratio: 1.09%Real return: +1.30%APY minus CPI (February 2026) offering Certificate Account - 18 Month at 4.10% APY, CIT BankCIT Bank1498 Se Tech Center Pl, Vancouver, WA 98683A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering Term CD - 1-Year Term at 4.00% APY, Pacific West BankPacific West Bank655 W Columbia Way Ste 506, Vancouver, WA 98660B4.4 ★Texas Ratio: 21.85%Real return: +1.05%APY minus CPI (February 2026) offering 1-Year CD / IRA CD at 3.85% APY, and Columbia Community Credit UnionColumbia Community Credit Union703 Broadway St Ste 100, Vancouver, WA 98660A+5.0 ★Texas Ratio: 5.09%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Certificates (Personal & Business) at 3.75% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Vancouver has 249 local institutions in our database, with CD rates as high as 5.09% APY from IQ Credit Union at 1313 Main St, Vancouver, WA 98660 2918. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Vancouver, Washington & the Surrounding Area
Vancouver 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
1.80%
▼ 0.53% below Washington avg
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.53% below avgNationally 2.09%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 1.80% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
1.75%
▼ 0.58% below Washington avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.58% below avgNationally 2.09%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Certificates of Deposit - OnPoint Rewards
$1,000
1.75%
▼ 0.58% below Washington avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.58% below avgNationally 2.09%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 1.75% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Traditional IRA Certificate of Deposit
$1,000
1.55%
▼ 0.78% below Washington avg
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.78% below avgNationally 2.09%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 1.55% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Business Certificates of Deposit
$1,000
1.50%
▼ 0.83% below Washington avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.83% below avgNationally 2.09%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
3 Month Certificates of Deposit
$1,000
1.50%
▼ 0.83% below Washington avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▼ 0.83% below avgNationally 2.09%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 4 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificates (Personal & Business)
$0
1.40%
▼ 0.93% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 0.93% below avgNationally 2.09%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 1.40% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificates (Personal & Business)
$0
1.30%
▼ 1.03% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 1.03% below avgNationally 2.09%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 1.30% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
3-Month Certificate
$0
1.25%
▼ 1.08% below Washington avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.33%▼ 1.08% below avgNationally 2.09%
Details
Standard Rate: 0.996%; Standard APY: 1.00%
Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
- Sep 21, 20261.25%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificates (Personal & Business)
$0
1.25%
▼ 1.08% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 1.08% below avgNationally 2.09%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 1.25% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificates (Personal & Business)
$0
1.20%
▼ 1.13% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 1.13% below avgNationally 2.09%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 1.20% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
3-Month Certificate
$0
1.00%
▼ 1.33% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.33%▼ 1.33% below avgNationally 2.09%
Details
Member Perks Rate: 1.246%; Member Perks APY: 1.25%
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.23% below Washington avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.23% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.23% below Washington avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.23% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.27% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.27% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: $1,000 - $90,000
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: $1,000 +
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
3 Month Standard CD
$1,000
0.05%
▼ 2.28% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▼ 2.28% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.25% above Washington avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 2.25% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.67% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.67% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.67% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.52% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Share Certificates
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
- Sep 18, 20263.82%▲ from 3.57%
- Sep 12, 20263.57%first recorded
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificate - 3 Month
$0
3.82%
▲ 1.49% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.49% above avgNationally 2.09%
Details
Dividends paid monthly; early withdrawal penalty may apply
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Fixed
$0
3.60%
▲ 1.27% above Washington avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.33%▲ 1.27% above avgNationally 2.09%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Sno Falls Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Certificate
$0
3.55%
▲ 1.22% above Washington avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.22% above avgNationally 2.09%
Details
Dividends Compounded Quarterly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Cashmere Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Month Certificate
$0
3.51%
▲ 1.18% above Washington avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
Qualstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term
$1,000
3.51%
▲ 1.18% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.18% above avgNationally 2.09%
Details
Compounds: Monthly
Rate History
No change since Oct 14, 2026 · 3.51% APY
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50%
▲ 1.17% above Washington avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit
$0
3.50%
▲ 1.17% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50%
▲ 1.17% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.17% above avgNationally 2.09%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$1,000
3.45%
▲ 1.12% above Washington avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 1.12% above avgNationally 2.09%
Details
Prospective; *Not available for IRA accounts
Rate History
No change since Oct 10, 2026 · 3.45% APY · checked 2 times
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificates of Deposit
$0
3.40%
▲ 1.07% above Washington avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
$2,500 - $99,999
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40%
▲ 1.07% above Washington avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.33%▲ 1.07% above avgNationally 2.09%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.40% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.30%
▲ 0.97% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.97% above avgNationally 2.09%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15%
▲ 0.82% above Washington avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.15%
▲ 0.82% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.82% above avgNationally 2.09%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10%
▲ 0.77% above Washington avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05%
▲ 0.72% above Washington avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
TAPCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Business 3-Month CD
$500
3.04%
▲ 0.71% above Washington avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.71% above avgNationally 2.09%
Details
APY offered as of 1/1/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
90 Day Certificate
$500
3.00%
▲ 0.67% above Washington avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.33%▲ 0.67% above avgNationally 2.09%
Details
Additional Deposits: Not Allowed; Withdrawals: Allowed-See Transaction Limitations; Dividends Compounded/Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit
$0
2.75%
▲ 0.42% above Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.42% above avgNationally 2.09%
Details
Interest Rate Without Checking: 2.23%, APY* Without Checking: 2.25%
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 7, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Sound Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3 Month Certificate of Deposit
$0
2.50%
▲ 0.17% above Washington avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.33%▲ 0.17% above avgNationally 2.09%
Details
Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50%
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Vancouver 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.63% above Washington avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 6 Month
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Fixed Rate; Add-on deposits in $100 increments allowed through the term
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 6 Month
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.60% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Fixed Rate 6 Month
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
IRA fixed rate time deposit; rates effective 10/6/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
IRA Certificate - 6 Month
$100
3.60%
▲ 0.48% above Washington avg
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 5 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Time Deposit - 6 Month
$0
3.60%
▲ 0.48% above Washington avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.48% above avgNationally 2.77%
Details
IRA; Fixed Rate; Rates effective 10/6/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 6 Month
$1,000
3.50%
▲ 0.38% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
6 Month Certificate
$0
3.50%
▲ 0.38% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
Youth 6 Months
$0
3.50%
▲ 0.38% above Washington avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Youth Certificate of Deposit; Balance: $100
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
6 Mo Certificate - Regular, IRA, ESA
$500
3.45%
▲ 0.33% above Washington avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.33% above avgNationally 2.77%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 6 Mo Certificate - Regular, IRA, ESA
$500
3.45%
▲ 0.33% above Washington avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▲ 0.33% above avgNationally 2.77%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
6 Month Certificates (Personal & Business)
$0
3.40%
▲ 0.28% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 3.40% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
6 Month Certificates (Personal & Business)
$0
3.30%
▲ 0.18% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.18% above avgNationally 2.77%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
6 Month Certificates (Personal & Business)
$0
3.25%
▲ 0.13% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.13% above avgNationally 2.77%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
6 Month Certificates (Personal & Business)
$0
3.20%
▲ 0.08% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.08% above avgNationally 2.77%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 3.20% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - Jumbo 6-month
$60,000
3.10%
▼ 0.02% below Washington avg
▼
Rate3.10%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▼ 0.02% below avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 3.10% APY
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
6 Month Short-Term Consumer CDs
$0
3.05%
▼ 0.07% below Washington avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.07% below avgNationally 2.77%
Details
Balance: $250,000+
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 3 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - 6-month
$1,000
3.00%
▼ 0.12% below Washington avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 7 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
6 Month Certificate
$0
3.00%
▼ 0.12% below Washington avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Standard Rate: 2.722%; Standard APY: 2.75%
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Sep 21, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
6 Month Short-Term Consumer CDs
$0
2.79%
▼ 0.33% below Washington avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.33% below avgNationally 2.77%
Details
Balance: $100,000 - $249,999
Rate History
No change since Oct 7, 2026 · 2.79% APY · checked 3 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
6 Month Certificate
$0
2.75%
▼ 0.37% below Washington avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.12%▼ 0.37% below avgNationally 2.77%
Details
Member Perks Rate: 2.972%; Member Perks APY: 3.00%
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
6 Month Short-Term Consumer CDs
$0
2.53%
▼ 0.59% below Washington avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.59% below avgNationally 2.77%
Details
Balance: $50,000 - $99,999
Rate History
No change since Oct 7, 2026 · 2.53% APY · checked 3 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
6 Month Short-Term Consumer CDs
$0
2.28%
▼ 0.84% below Washington avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 0.84% below avgNationally 2.77%
Details
Balance: $500 - $24,999
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.06%
▼ 1.06% below Washington avg
▼
Rate2.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.06% below avgNationally 2.77%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.06% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.01%
▼ 1.11% below Washington avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.11% below avgNationally 2.77%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.01% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.01%
▼ 1.11% below Washington avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.11% below avgNationally 2.77%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.01% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Traditional IRA Certificate of Deposit
$1,000
1.80%
▼ 1.32% below Washington avg
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.32% below avgNationally 2.77%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 1.80% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Business Certificates of Deposit
$1,000
1.75%
▼ 1.37% below Washington avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.37% below avgNationally 2.77%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
6 Month Certificates of Deposit
$1,000
1.75%
▼ 1.37% below Washington avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.37% below avgNationally 2.77%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 1.75% APY · checked 4 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
6 Month Certificate
$50,000
1.75%
▼ 1.37% below Washington avg
▼
Rate1.74%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.37% below avgNationally 2.77%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Oct 13, 2026 · 1.75% APY
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
6 Month Certificate
$500
1.70%
▼ 1.42% below Washington avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.12%▼ 1.42% below avgNationally 2.77%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Oct 13, 2026 · 1.70% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6115 NE 114th Ave, Vancouver, WA 98662
6 Month Share Certificates
$500
1.51%
▼ 1.61% below Washington avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▼ 1.61% below avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1209 Ingalls St, Vancouver, WA 98660 2722
6 Month Share certificate account (simple)
$1,000
1.25%
▼ 1.87% below Washington avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 1.87% below avgNationally 2.77%
Details
Rates effective 1/1/2024
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
6 month Standard Fixed Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
6 month Standard Interest Rate
$2,500
0.06%
▼ 3.06% below Washington avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
6 month Standard Fixed Rate
$2,500
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
6 Month Standard CD
$1,000
0.05%
▼ 3.07% below Washington avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.18% above Washington avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.12%▲ 1.18% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.03% above Washington avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 1.03% above avgNationally 2.77%
Details
Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term
Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
- Oct 8, 20264.15%▲ from 4.04%
- Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
4.10%
▲ 0.98% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.98% above avgNationally 2.77%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificates
$0
4.08%
▲ 0.96% above Washington avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.12%▲ 0.96% above avgNationally 2.77%
Details
Balance: $500+; Early withdrawal penalties may apply
Rate History
1 change since Sep 12, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Sep 18, 20264.08%▲ from 3.82%
- Sep 12, 20263.82%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05%
▲ 0.93% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 6 month
$50,000
4.05%
▲ 0.93% above Washington avg
▼
Rate3.97%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 14, 20264.05%▲ from 3.65%
- Sep 14, 20263.65%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00%
▲ 0.88% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00%
▲ 0.88% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 6 Month CD
$500
4.00%
▲ 0.88% above Washington avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 24, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit
$50,000
4.00%
▲ 0.88% above Washington avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Rate History
1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 14, 20264.00%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Vancouver 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month First CD
$10,000
4.58%
▲ 1.28% above Washington avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%▲ 1.28% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
- Sep 26, 20264.58%▲ from 4.50%
- Sep 14, 20264.50%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 12 Month
$0
4.00%
▲ 0.70% above Washington avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Fixed Rate; Add-on deposits in $100 increments allowed through the term
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 14, 20264.00%▲ from 3.30%
- Sep 14, 20263.30%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 12 Month
$0
4.00%
▲ 0.70% above Washington avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.70% above Washington avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.70% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
655 W Columbia Way Ste 506, Vancouver, WA 98660
1-Year CD / IRA CD
$0
3.85%
▲ 0.55% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.55% above avgNationally 2.99%
Details
relationship rate
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
12 Month Certificates (Personal & Business)
$0
3.75%
▲ 0.45% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.45% above avgNationally 2.99%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
12 Mo Certificate - Regular, IRA, ESA
$500
3.65%
▲ 0.35% above Washington avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.99%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 12 Mo Certificate - Regular, IRA, ESA
$500
3.65%
▲ 0.35% above Washington avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.99%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
12 Month Certificates (Personal & Business)
$0
3.65%
▲ 0.35% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.35% above avgNationally 2.99%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
12 Month Certificates (Personal & Business)
$0
3.60%
▲ 0.30% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.30% above avgNationally 2.99%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
12 Month Certificates (Personal & Business)
$0
3.55%
▲ 0.25% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 0.25% above avgNationally 2.99%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 3.55% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 12 Month
$1,000
3.50%
▲ 0.20% above Washington avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▲ 0.20% above avgNationally 2.99%
Details
Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - Jumbo 12-month
$60,000
3.10%
▼ 0.20% below Washington avg
▼
Rate3.07%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 0.20% below avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 3.10% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - 12-month
$1,000
3.00%
▼ 0.30% below Washington avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 0.30% below avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 7 times
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
12 Month Certificate
$0
3.00%
▼ 0.30% below Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.30% below avgNationally 2.99%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
Youth 12 Months
$0
3.00%
▼ 0.30% below Washington avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.30% below avgNationally 2.99%
Details
Youth Certificate of Deposit; Balance: $100
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month Certificate
$0
2.75%
▼ 0.55% below Washington avg
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%▼ 0.55% below avgNationally 2.99%
Details
Standard Rate: 2.477%; Standard APY: 2.50%
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Sep 21, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.56%
▼ 0.74% below Washington avg
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.74% below avgNationally 2.99%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.56% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.51%
▼ 0.79% below Washington avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.79% below avgNationally 2.99%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.51% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.51%
▼ 0.79% below Washington avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 0.79% below avgNationally 2.99%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.51% APY
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month Certificate
$0
2.50%
▼ 0.80% below Washington avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.30%▼ 0.80% below avgNationally 2.99%
Details
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Traditional IRA Certificate of Deposit
$1,000
2.30%
▼ 1.00% below Washington avg
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.00% below avgNationally 2.99%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.30% APY
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
1 Year Certificate
$50,000
2.30%
▼ 1.00% below Washington avg
▼
Rate2.28%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.00% below avgNationally 2.99%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
1 Year IRA
$50,000
2.30%
▼ 1.00% below Washington avg
▼
Rate2.28%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.00% below avgNationally 2.99%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Business Certificates of Deposit
$1,000
2.25%
▼ 1.05% below Washington avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.05% below avgNationally 2.99%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
12 Month Certificates of Deposit
$1,000
2.25%
▼ 1.05% below Washington avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.05% below avgNationally 2.99%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 4 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
1 Year Certificate
$500
2.25%
▼ 1.05% below Washington avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.05% below avgNationally 2.99%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
1 Year IRA
$500
2.25%
▼ 1.05% below Washington avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▼ 1.05% below avgNationally 2.99%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
12 Month CD
$500
2.00%
▼ 1.30% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.30% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.79% below Washington avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.79% below Washington avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6115 NE 114th Ave, Vancouver, WA 98662
1 Year Share Certificates
$500
1.51%
▼ 1.79% below Washington avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.30%▼ 1.79% below avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1800 Main St, Vancouver, WA 98660
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.80% below Washington avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 1.80% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1209 Ingalls St, Vancouver, WA 98660 2722
12 Month Share certificate account (compounded)
$1,000
1.50%
▼ 1.80% below Washington avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 1.80% below avgNationally 2.99%
Details
Rates effective 1/1/2024
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.55% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 2.55% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
12 Month Standard CD
$1,000
0.75%
▼ 2.55% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 2.55% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
12 Month Bear at the Bank CD - Children
$100
0.30%
▼ 3.00% below Washington avg
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▼ 3.00% below avgNationally 2.99%
Details
Minimum Opening Deposit: $100 - $24,999
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 3.05% below Washington avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▼ 3.05% below avgNationally 2.99%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
Balance Certificate Builder - 1 Year
$1
5.12%
▲ 1.82% above Washington avg
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.82% above avgNationally 2.99%
Details
Balance: $1.00 to $5,000.00; Build via monthly contributions up to $5,000 by maturity; Limit one active Certificate Builder per member; Not available for online purchase
Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 5 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD Special
$1,000
4.50%
▲ 1.20% above Washington avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Penalties for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
- Oct 1, 20264.50%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificates
$500
4.50%
▲ 1.20% above Washington avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
CD SPECIAL
Rate History
1 change since Sep 22, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
- Oct 13, 20264.50%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - CD Special 12 months
$500
4.50%
▲ 1.20% above Washington avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
Progressions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Youth Certificates
$100
4.50%
▲ 1.20% above Washington avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Balance: $100.00-$2,000.00; Certificate must be opened on an account where the primary member is 18 years or younger; one deposit per month, minimum $25.00; one youth certificate per member; rolls over to regular youth certificate at maturity; transfers to primary share account at maturity once primary member reaches age 19
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.50%
▲ 1.20% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.20% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 3.60%
- Oct 14, 20264.50%▲ from 3.60%
- Oct 10, 20263.60%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38%
▲ 1.08% above Washington avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.08% above avgNationally 2.99%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 Month
$1,000
4.38%
▲ 1.08% above Washington avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.30%▲ 1.08% above avgNationally 2.99%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.05% above Washington avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.35%
▲ 1.05% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.30%▲ 1.05% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.45%
- Oct 14, 20264.35%▲ from 3.45%
- Oct 10, 20263.45%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Vancouver 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.10% ▲ 1.10 pts · high 4.10% / low 3.00%
- Oct 14, 20264.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 18 Month
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
18 Mo Certificate - Regular, IRA, ESA
$500
3.55%
▲ 0.36% above Washington avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.36% above avgNationally 2.88%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55%
▲ 0.36% above Washington avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.36% above avgNationally 2.88%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.44% below Washington avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.44% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificates (Personal & Business)
$0
2.65%
▼ 0.54% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.54% below avgNationally 2.88%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 2.65% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.61%
▼ 0.58% below Washington avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.58% below avgNationally 2.88%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.61% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.56%
▼ 0.63% below Washington avg
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.63% below avgNationally 2.88%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.56% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.56%
▼ 0.63% below Washington avg
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.63% below avgNationally 2.88%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.56% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificates (Personal & Business)
$0
2.55%
▼ 0.64% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.64% below avgNationally 2.88%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 2.55% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificates (Personal & Business)
$0
2.50%
▼ 0.69% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.69% below avgNationally 2.88%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
18 Month Certificates (Personal & Business)
$0
2.45%
▼ 0.74% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 0.74% below avgNationally 2.88%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 2.45% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Traditional IRA Certificate of Deposit
$1,000
2.36%
▼ 0.83% below Washington avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.83% below avgNationally 2.88%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.36% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Business Certificates of Deposit
$1,000
2.30%
▼ 0.89% below Washington avg
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.89% below avgNationally 2.88%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
18 Month Certificates of Deposit
$1,000
2.30%
▼ 0.89% below Washington avg
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.89% below avgNationally 2.88%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 4 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
18 Month Certificate
$50,000
2.30%
▼ 0.89% below Washington avg
▼
Rate2.28%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.89% below avgNationally 2.88%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
18 Month Certificate
$500
2.25%
▼ 0.94% below Washington avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▼ 0.94% below avgNationally 2.88%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 18 Month
$0
1.95%
▼ 1.24% below Washington avg
▼
Rate1.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▼ 1.24% below avgNationally 2.88%
Details
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 1.95% APY
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
18 Month Mid-Term Consumer CD
$0
1.01%
▼ 2.18% below Washington avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 2.18% below avgNationally 2.88%
Details
Balance: $100,000 - $249,999; Term: 18 Months - 23 Months
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 3 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
18 Month Mid-Term Consumer CD
$0
0.75%
▼ 2.44% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 2.44% below avgNationally 2.88%
Details
Balance: $500 - $24,999; Term: 18 Months - 23 Months
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 2.44% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
18 Month Standard CD
$1,000
0.75%
▼ 2.44% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▼ 2.44% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
18 Month CD
$500
0.02%
▼ 3.17% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▼ 3.17% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.60%
▲ 1.41% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 14, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.45%
▲ 1.26% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.26% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.45% ▲ 0.50 pts · high 4.45% / low 3.95%
- Oct 14, 20264.45%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.30%
▲ 1.11% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 1.11% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 14, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 1.01% above Washington avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 1.01% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18%
▲ 0.99% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.99% above avgNationally 2.88%
Details
Terms and Conditions
Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
- Sep 19, 20264.18%▲ from 4.08%
- Sep 7, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.96% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Term Share
$500
4.15%
▲ 0.96% above Washington avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.96% above avgNationally 2.88%
Details
Special Rate!; Balance: $500 - $4,999; Dividends compounded monthly, credited monthly
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
- Oct 9, 20264.15%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Yakima Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month CD
$0
4.10%
▲ 0.91% above Washington avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 18 Months
$0
4.10%
▲ 0.91% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Oct 10, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month Certificate
$1,000
4.05%
▲ 0.86% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Annual percentage yields (APYs) effective as of 10/71/26 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply. At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
Rate History
1 change since Sep 19, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 7, 20264.05%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Certificate
$1,000
4.00%
▲ 0.81% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18-month Certificate Special
$0
4.00%
▲ 0.81% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.81% above avgNationally 2.88%
Details
Special Certificates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.76% above Washington avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.76% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.95%
▲ 0.76% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90%
▲ 0.71% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.71% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average3.19%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85%
▲ 0.66% above Washington avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.66% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80%
▲ 0.61% above Washington avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.80% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.80%
▲ 0.61% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75%
▲ 0.56% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
- Oct 2, 20263.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Vancouver 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09%
▲ 2.22% above Washington avg
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 2.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
- Sep 26, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 24 Month
$0
3.80%
▲ 0.93% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.93% above avgNationally 2.88%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.80% ▲ 0.95 pts · high 3.80% / low 2.85%
- Oct 14, 20263.80%▲ from 2.85%
- Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 24 Month
$0
3.80%
▲ 0.93% above Washington avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 0.93% above avgNationally 2.88%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.80% APY
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
24 Month Certificate
$0
3.20%
▲ 0.33% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 0.33% above avgNationally 2.88%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Certificate
$0
2.75%
▼ 0.12% below Washington avg
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▼ 0.12% below avgNationally 2.88%
Details
Standard Rate: 2.477%; Standard APY: 2.50%
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Sep 21, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.66%
▼ 0.21% below Washington avg
▼
Rate2.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.21% below avgNationally 2.88%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.66% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
24 Month Certificates (Personal & Business)
$0
2.65%
▼ 0.22% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.22% below avgNationally 2.88%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 2.65% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.61%
▼ 0.26% below Washington avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.26% below avgNationally 2.88%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.61% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.61%
▼ 0.26% below Washington avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.26% below avgNationally 2.88%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.61% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - Jumbo 24-month
$60,000
2.57%
▼ 0.30% below Washington avg
▼
Rate2.55%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 0.30% below avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 2.57% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
24 Month Certificates (Personal & Business)
$0
2.55%
▼ 0.32% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.32% below avgNationally 2.88%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 2.55% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Certificate
$0
2.50%
▼ 0.37% below Washington avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▼ 0.37% below avgNationally 2.88%
Details
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.37% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.37% below avgNationally 2.88%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.37% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.37% below avgNationally 2.88%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
24 Month Certificates (Personal & Business)
$0
2.50%
▼ 0.37% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.37% below avgNationally 2.88%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 2 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - 24-month
$1,000
2.47%
▼ 0.40% below Washington avg
▼
Rate2.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 0.40% below avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 2.47% APY · checked 7 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
24 Month Certificates (Personal & Business)
$0
2.45%
▼ 0.42% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.42% below avgNationally 2.88%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 2.45% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Traditional IRA Certificate of Deposit
$1,000
2.41%
▼ 0.46% below Washington avg
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.46% below avgNationally 2.88%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.41% APY
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
2 Year Certificate
$50,000
2.40%
▼ 0.47% below Washington avg
▼
Rate2.37%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.47% below avgNationally 2.88%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
2 Year IRA
$50,000
2.40%
▼ 0.47% below Washington avg
▼
Rate2.37%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.47% below avgNationally 2.88%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Business Certificates of Deposit
$1,000
2.36%
▼ 0.51% below Washington avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.51% below avgNationally 2.88%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.36% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
24 Month Certificates of Deposit
$1,000
2.36%
▼ 0.51% below Washington avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.51% below avgNationally 2.88%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.36% APY · checked 4 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
2 Year Certificate
$500
2.35%
▼ 0.52% below Washington avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
2 Year IRA
$500
2.35%
▼ 0.52% below Washington avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▼ 0.52% below avgNationally 2.88%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 2 Year
$0
2.20%
▼ 0.67% below Washington avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 0.67% below avgNationally 2.88%
Details
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 2.20% APY
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1209 Ingalls St, Vancouver, WA 98660 2722
24 Month Share of certificate account (compounded)
$1,000
2.00%
▼ 0.87% below Washington avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 0.87% below avgNationally 2.88%
Details
Rates effective 1/1/2024
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6115 NE 114th Ave, Vancouver, WA 98662
2 Year Share Certificates
$500
1.51%
▼ 1.36% below Washington avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▼ 1.36% below avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.12% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 2.12% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
24 Month Standard CD
$1,000
0.75%
▼ 2.12% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 2.12% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
24 Month Mid-Term Consumer CD
$0
0.50%
▼ 2.37% below Washington avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 2.37% below avgNationally 2.88%
Details
Balance: $500 - $24,999; Term: 24 Months - 35 Months
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.47% below Washington avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 2.47% below avgNationally 2.88%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.47% below Washington avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 2.47% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.62% below Washington avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▼ 2.62% below avgNationally 2.88%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
2 Year CD
$500
0.05%
▼ 2.82% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▼ 2.82% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 2 year
$50,000
4.46%
▲ 1.59% above Washington avg
▼
Rate4.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.59% above avgNationally 2.88%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
- Oct 14, 20264.46%▲ from 3.80%
- Sep 14, 20263.80%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45%
▲ 1.58% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.58% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45%
▲ 1.58% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.58% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40%
▲ 1.53% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.53% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.53% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.87%▲ 1.53% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Jumbo Certificate of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 22, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Jumbo Certificates of Deposit
$50,000
4.35%
▲ 1.48% above Washington avg
▼
Rate4.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.48% above avgNationally 2.88%
Details
Bump Option: Eligible
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 2 year
$1,000
4.31%
▲ 1.44% above Washington avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.44% above avgNationally 2.88%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66%
- Oct 14, 20264.31%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.30%
▲ 1.43% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.43% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.40%
- Oct 14, 20264.30%▲ from 3.40%
- Oct 10, 20263.40%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25%
▲ 1.38% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
2 Year Certificate
$0
4.25%
▲ 1.38% above Washington avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 8, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25%
▲ 1.38% above Washington avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25%
▲ 1.38% above Washington avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.38% above avgNationally 2.88%
Details
Balance: $0-$999; Nonprofit organizations only; new money required for promotional rate; Effective dates: 10/12/26 - 10/18/26
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.15%
▲ 1.28% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.28% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.25%
- Oct 14, 20264.15%▲ from 3.25%
- Oct 10, 20263.25%▼ from 3.65%
- Sep 14, 20263.65%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10%
▲ 1.23% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2 Year Business Certificate of Deposit
$1,000
4.10%
▲ 1.23% above Washington avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.87%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 10, 20264.10%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Vancouver 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 36 Month
$0
3.25%
▲ 0.54% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 36 Month
$0
3.25%
▲ 0.54% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Fixed Rate 36 Month
$0
3.25%
▲ 0.54% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
IRA fixed rate time deposit; rates effective 10/6/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
IRA Certificate - 36 Month
$100
3.25%
▲ 0.54% above Washington avg
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 22, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Time Deposit - 36 Month
$0
3.25%
▲ 0.54% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 0.54% above avgNationally 2.81%
Details
IRA; Fixed Rate; Rates effective 10/6/2026
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
36 Month Certificate
$0
3.20%
▲ 0.49% above Washington avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 0.49% above avgNationally 2.81%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
36 Month Certificate
$0
2.75%
▲ 0.04% above Washington avg
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 0.04% above avgNationally 2.81%
Details
Standard Rate: 2.477%; Standard APY: 2.50%
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Sep 21, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.70%
▼ 0.01% below Washington avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.01% below avgNationally 2.81%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.70% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.65% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.65%
▼ 0.06% below Washington avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.65% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Year Certificates (Personal & Business)
$0
2.65%
▼ 0.06% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.06% below avgNationally 2.81%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 2.65% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Year Certificates (Personal & Business)
$0
2.55%
▼ 0.16% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.16% below avgNationally 2.81%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 2.55% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
36 Month Certificate
$0
2.50%
▼ 0.21% below Washington avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▼ 0.21% below avgNationally 2.81%
Details
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.21% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.21% below avgNationally 2.81%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.21% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.21% below avgNationally 2.81%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Year Certificates (Personal & Business)
$0
2.50%
▼ 0.21% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.21% below avgNationally 2.81%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Traditional IRA Certificate of Deposit
$1,000
2.45%
▼ 0.26% below Washington avg
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.45% APY
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
3 Year Certificate
$50,000
2.45%
▼ 0.26% below Washington avg
▼
Rate2.42%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
3 Year IRA
$50,000
2.45%
▼ 0.26% below Washington avg
▼
Rate2.42%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Tier: $50,000 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Year Certificates (Personal & Business)
$0
2.45%
▼ 0.26% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 0.26% below avgNationally 2.81%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 2.45% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Business Certificates of Deposit
$1,000
2.40%
▼ 0.31% below Washington avg
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.31% below avgNationally 2.81%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
36 Month Certificates of Deposit
$1,000
2.40%
▼ 0.31% below Washington avg
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.31% below avgNationally 2.81%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.40% APY · checked 4 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
3 Year Certificate
$500
2.40%
▼ 0.31% below Washington avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.31% below avgNationally 2.81%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11215 NE 28th St, Vancouver, WA 98682 7805
3 Year IRA
$500
2.40%
▼ 0.31% below Washington avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▼ 0.31% below avgNationally 2.81%
Details
Tier: $500 minimum opening balance; Dividends compounded and credited: Monthly
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 3 Year
$0
2.30%
▼ 0.41% below Washington avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 0.41% below avgNationally 2.81%
Details
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 2.30% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Jumbo Certificate - 36 months
$60,000
2.21%
▼ 0.50% below Washington avg
▼
Rate2.20%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 0.50% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.21% APY · checked 3 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificates - 36-month
$1,000
2.11%
▼ 0.60% below Washington avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.71%▼ 0.60% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.11% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 1.96% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
36 Month Standard CD
$1,000
0.75%
▼ 1.96% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 1.96% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
36 Month Long-Term Consumer CD
$0
0.50%
▼ 2.21% below Washington avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 2.21% below avgNationally 2.81%
Details
Balance: $500 - $24,999; Term: 36 Months - 47 Months
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.31% below Washington avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 2.31% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.31% below Washington avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 2.31% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.46% below Washington avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▼ 2.46% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
3 Year CD
$500
0.05%
▼ 2.66% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▼ 2.66% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25%
▲ 1.54% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.71%▲ 1.54% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificates
$0
4.20%
▲ 1.49% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 36 Months
$0
4.20%
▲ 1.49% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 10, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.44% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.44% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10%
▲ 1.39% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05%
▲ 1.34% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 1.29% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95%
▲ 1.24% above Washington avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95%
▲ 1.24% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Canopy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Term Share (or IRA)
$50,000
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Balance: greater than $50,000; Dividends compounded Monthly, credited Monthly
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61%
- Oct 9, 20263.90%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90%
▲ 1.19% above Washington avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.71%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Month Business Certificate of Deposit
$1,000
3.85%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.71%▲ 1.14% above avgNationally 2.81%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Vancouver 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
48 Month Certificate
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Fixed Rate 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA fixed rate time deposit; rates effective 10/6/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
IRA Certificate - 48 Month
$100
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 22, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Time Deposit - 48 Month
$0
3.25%
▲ 0.64% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.64% above avgNationally 2.80%
Details
IRA; Fixed Rate; Rates effective 10/6/2026
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.75%
▲ 0.14% above Washington avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.14% above avgNationally 2.80%
Details
OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.75% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.70%
▲ 0.09% above Washington avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.09% above avgNationally 2.80%
Details
Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.70% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.70%
▲ 0.09% above Washington avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.09% above avgNationally 2.80%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.70% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
4 Year Certificates (Personal & Business)
$0
2.65%
▲ 0.04% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.04% above avgNationally 2.80%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 2.65% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
4 Year Certificates (Personal & Business)
$0
2.55%
▼ 0.06% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 0.06% below avgNationally 2.80%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 2.55% APY · checked 2 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6115 NE 114th Ave, Vancouver, WA 98662
4 Year Share Certificates
$500
2.52%
▼ 0.09% below Washington avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.09% below avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 2.52% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Traditional IRA Certificate of Deposit
$1,000
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.50% APY
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼ 0.11% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
4 Year Certificates (Personal & Business)
$0
2.50%
▼ 0.11% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 0.11% below avgNationally 2.80%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Business Certificates of Deposit
$1,000
2.45%
▼ 0.16% below Washington avg
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.16% below avgNationally 2.80%
Details
Opening deposit $1,000; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
48 Month Certificates of Deposit
$1,000
2.45%
▼ 0.16% below Washington avg
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▼ 0.16% below avgNationally 2.80%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.45% APY · checked 4 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
4 Year Certificates (Personal & Business)
$0
2.45%
▼ 0.16% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 0.16% below avgNationally 2.80%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 2.45% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 4 Year
$0
2.35%
▼ 0.26% below Washington avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.26% below avgNationally 2.80%
Details
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 2.35% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Jumbo Certificate - 48 months
$60,000
2.01%
▼ 0.60% below Washington avg
▼
Rate2.00%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.60% below avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 2.01% APY · checked 3 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificate - 48 months
$1,000
1.91%
▼ 0.70% below Washington avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▼ 0.70% below avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 1.91% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.86% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 1.86% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
48 Month Standard CD
$1,000
0.75%
▼ 1.86% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 1.86% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.11% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.11% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.11% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.11% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
203 Se Park Plaza Dr Ste 120, Vancouver, WA 98684
48 Month Long-Term Consumer CD
$0
0.35%
▼ 2.26% below Washington avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 2.26% below avgNationally 2.80%
Details
Balance: $500 - $24,999; Term: 48 Months - 59 Months
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.36% below Washington avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▼ 2.36% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
4 Year CD
$500
0.15%
▼ 2.46% below Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▼ 2.46% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20%
▲ 1.59% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.59% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90%
▲ 1.29% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.29% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 7, 20263.90%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Seattle Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Month Business Certificate of Deposit
$1,000
3.85%
▲ 1.24% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings. Additional terms and conditions may apply.
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 7, 20263.85%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.85%
▲ 1.24% above Washington avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 1.24% above avgNationally 2.80%
Details
Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.85% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.75%
▲ 1.14% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.14% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$1,000
3.70%
▲ 1.09% above Washington avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 1.09% above avgNationally 2.80%
Details
Prospective
Rate History
No change since Oct 10, 2026 · 3.70% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.65%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65%
▲ 1.04% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 1.04% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Certificate
$500
3.60%
▲ 0.99% above Washington avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details
Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly
Rate History
No change since Oct 12, 2026 · 3.60% APY
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Jumbo Certificates - 4 year
$50,000
3.60%
▲ 0.99% above Washington avg
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.99% above avgNationally 2.80%
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.55%
▲ 0.94% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.94% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Certificates - 4 year
$1,000
3.51%
▲ 0.90% above Washington avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.90% above avgNationally 2.80%
Details
Bump Option: Eligible; Effective as of October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$1,000
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.50%
▲ 0.89% above Washington avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
4 Year Jumbo Certificates of Deposit
$50,000
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
Bump Option: Eligible
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
WCLA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Share Certificate
$500
3.50%
▲ 0.89% above Washington avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.61%▲ 0.89% above avgNationally 2.80%
Details
$500 minimum to open
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Vancouver 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
1910 W Fourth Plain Blvd, Vancouver, WA 98660 1338
60 Month Certificate
$0
3.30%
▲ 0.49% above Washington avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 0.49% above avgNationally 2.91%
Details
Balance: $0.01-$49,999.99
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6115 NE 114th Ave, Vancouver, WA 98662
5 Year Share Certificates
$500
3.29%
▲ 0.48% above Washington avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Certificate Account - 60 Month
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Commercial Certificate Account - 60 Month
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
Fixed Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Fixed Rate 60 Month
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
IRA fixed rate time deposit; rates effective 10/6/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
IRA Certificate - 60 Month
$100
3.25%
▲ 0.44% above Washington avg
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 22, 20262.85%first recorded
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
13909 SE Mill Plain Blvd, Vancouver, WA 98684
Time Deposit - 60 Month
$0
3.25%
▲ 0.44% above Washington avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 0.44% above avgNationally 2.91%
Details
IRA; Fixed Rate; Rates effective 10/6/2026
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85%
- Oct 14, 20263.25%▲ from 2.85%
- Sep 14, 20262.85%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.81%
At Washington avg
▼
Rate2.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%At the averageNationally 2.91%
Details
Balance: $1,000+; OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.81% APY
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
60 Month Certificate
$0
2.75%
▼ 0.06% below Washington avg
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▼ 0.06% below avgNationally 2.91%
Details
Standard Rate: 2.477%; Standard APY: 2.50%
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Sep 21, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.75%
▼ 0.06% below Washington avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.06% below avgNationally 2.91%
Details
Balance: $1,000+; Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000+; Rates effective 10-12-2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.75%
▼ 0.06% below Washington avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.06% below avgNationally 2.91%
Details
OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000
Rate History
No change since Oct 13, 2026 · 2.75% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
5 Year Certificates (Personal & Business)
$0
2.65%
▼ 0.16% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.16% below avgNationally 2.91%
Details
Balance tier: $100,000 minimum
Rate History
No change since Oct 10, 2026 · 2.65% APY · checked 2 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Traditional IRA Certificate of Deposit
$1,000
2.55%
▼ 0.26% below Washington avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.26% below avgNationally 2.91%
Details
Balance: $1,000+; Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit
Rate History
No change since Oct 13, 2026 · 2.55% APY
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
5 Year Certificates (Personal & Business)
$0
2.55%
▼ 0.26% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.26% below avgNationally 2.91%
Details
Balance tier: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 2.55% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
60 Month Certificate
$0
2.50%
▼ 0.31% below Washington avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Member Perks Rate: 2.727%; Member Perks APY: 2.75%
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Business Certificates of Deposit
$1,000
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance: $1,000+; Opening deposit $1,000+; Rates effective 10-12-2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6711 NE 63rd St, Vancouver, WA 98661
60 Month Certificates of Deposit
$1,000
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Opening deposit $1,000
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance: $500-$19,999.99; $500 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Business 60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
▼ 0.31% below Washington avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance: $500-$19,999.99
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
5 Year Certificates (Personal & Business)
$0
2.50%
▼ 0.31% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.31% below avgNationally 2.91%
Details
Balance tier: $10,000 minimum
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 2 times
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
703 Broadway St Ste 100, Vancouver, WA 98660
5 Year Certificates (Personal & Business)
$0
2.45%
▼ 0.36% below Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 0.36% below avgNationally 2.91%
Details
Balance tier: $500 minimum
Rate History
No change since Oct 10, 2026 · 2.45% APY · checked 2 times
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1650 NE Ross St, Vancouver, WA 98663
Certificates & IRAs - 5 Year
$0
2.40%
▼ 0.41% below Washington avg
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▼ 0.41% below avgNationally 2.91%
Details
Balance: $100 - $9,999; Rates Effective: 9/1/2026
Rate History
No change since Oct 12, 2026 · 2.40% APY
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Jumbo Certificate - 60 months
$60,000
2.16%
▼ 0.65% below Washington avg
▼
Rate2.15%
Min Deposit$60,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▼ 0.65% below avgNationally 2.91%
Details
Rate History
No change since Sep 12, 2026 · 2.16% APY · checked 3 times
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
805 NE 98th Cir Ste 106, Vancouver, WA 98665 9134
Certificate - 60 months
$1,000
2.06%
▼ 0.75% below Washington avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Washington Average2.81%▼ 0.75% below avgNationally 2.91%
Details
Rate History
No change since Sep 12, 2026 · 2.06% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.06% below Washington avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.06% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
301 Ne 192nd Ave, Vancouver, WA 98684
60 Month Standard CD
$1,000
0.75%
▼ 2.06% below Washington avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.06% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.31% below Washington avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.31% below avgNationally 2.91%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1498 Se Tech Center Pl, Vancouver, WA 98683
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.31% below Washington avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▼ 2.31% below avgNationally 2.91%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
60 Month Business Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.46% below Washington avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 2.46% below avgNationally 2.91%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
60 Month Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.46% below Washington avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 2.46% below avgNationally 2.91%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
60 Month Business Fixed Rate Certificates of Deposit
$0
0.30%
▼ 2.51% below Washington avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 2.51% below avgNationally 2.91%
Details
Balance: $1,000 - $90,000
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
13411 Se Mill Plain Blvd A 1, Vancouver, WA 98683
60 Month Fixed Rate Certificates of Deposit
$0
0.30%
▼ 2.51% below Washington avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▼ 2.51% below avgNationally 2.91%
Details
Balance: $1,000 +
Rate History
1 change since Sep 24, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30%
- Oct 7, 20260.30%▼ from 0.35%
- Sep 24, 20260.35%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 1.49% above Washington avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Washington Average2.81%▲ 1.49% above avgNationally 2.91%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25%
▲ 1.44% above Washington avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Washington Average2.81%▲ 1.44% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.39% above avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 60 Months
$0
4.20%
▲ 1.39% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.39% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15%
▲ 1.34% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.34% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15%
▲ 1.34% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.34% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 7, 20264.15%▲ from 4.00%
- Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10%
▲ 1.29% above Washington avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.29% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05%
▲ 1.24% above Washington avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.24% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-Month Certificate
$0
4.05%
▲ 1.24% above Washington avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.24% above avgNationally 2.91%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
- Oct 14, 20264.05%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00%
▲ 1.19% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00%
▲ 1.19% above Washington avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 1.19% above Washington avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.91%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95%
▲ 1.14% above Washington avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Washington Average2.81%▲ 1.14% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
3.90%
▲ 1.09% above Washington avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Washington Average2.81%▲ 1.09% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Vancouver, WA CD Rate Trends
Compare local Vancouver, WA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD WA Avg
3.298%
▲ 0.034 vs 7 days ago
Washington 12-month CD rates rose 0.034 points over the past 7 days to 3.298% APY.
6-Month CD WA Avg
3.122%
▲ 0.004 vs 7 days ago
Washington 6-month CD rates rose 0.004 points over the past 7 days to 3.122% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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WA CD Rate Forecast, Next 12 Months
Where are Washington CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WA 12-Month Avg APY
3.298%
6-Month Forecast
3.298%
Range: 3.10%, 3.45%
12-Month Forecast
3.548%
Range: 3.35%, 3.70%
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What Your Savings Earn at WA CD Rates Today
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.333% | $116.67 | $233.34 | $583.35 | $1,166.70 |
| 6-Month CD | 3.122% | $156.08 | $312.15 | $780.38 | $1,560.75 |
| 12-Month CD | 3.298% | $164.90 | $329.81 | $824.52 | $1,649.05 |
| 18-Month CD | 3.194% | $159.67 | $319.35 | $798.38 | $1,596.75 |
| 24-Month CD | 2.866% | $143.31 | $286.61 | $716.53 | $1,433.05 |
| 36-Month CD | 2.706% | $135.30 | $270.59 | $676.48 | $1,352.95 |
| 48-Month CD | 2.614% | $130.71 | $261.42 | $653.55 | $1,307.10 |
| 60-Month CD | 2.814% | $140.68 | $281.35 | $703.38 | $1,406.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Vancouver, Washington Savers
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.333% | $116.67 |
| 2 | 6-Month CD | $5,000 | 3.122% | $156.08 |
| 3 | 12-Month CD | $5,000 | 3.298% | $164.90 |
| 4 | 24-Month CD | $5,000 | 2.866% | $143.31 |
| 5 | 36-Month CD | $5,000 | 2.706% | $135.30 |
| Total ($25,000 invested) | $25,000 | 2.865% blended | $716.26/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,467
CD Rates
Tracked in Vancouver, Washington
Tracked in Vancouver, Washington
26 Banks
57 Credit Unions
About Our Vancouver, Washington CD Rate Database
MonitorBankRates tracks 1,467 CD rates from 26 banks and 57 credit unions with locations in Vancouver, Washington, plus national online institutions available to Washington residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: IQ Credit Union offers a CD at 5.09% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Vancouver, Washington.
How to Find the Best CD Rates in Vancouver, Washington
What to compare when shopping for a CD in Vancouver, Washington
To find the best APYs in Vancouver, Washington, start with credit unions and online-only banks: Vancouver, Washington has 57 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Vancouver, 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 Vancouver, Washington: 83 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Vancouver, 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 Vancouver, Washington money market rates
Vancouver, Washington Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$45,723
National avg: $47,340
Poverty Rate
10.2%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$151/yr
At WA 12-mo avg 3.298% APY
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s WA 12-month CD average of 3.298%, saving 10% of the local median salary ($4,572/year) and putting it in a CD would earn an additional $151 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 Vancouver, Washington
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Vancouver, 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 Vancouver, 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 Vancouver, Washington as everywhere in the U.S.
Choosing a CD Term in Vancouver, 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 Vancouver, Washington savers easier access to their funds. For example, CIT Bank is offering its Term CD - 6-Month Term at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rivermark Community Credit Union is offering its 60 Month Certificate at 3.30% 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 Vancouver, 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 Vancouver, 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 Vancouver, 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 Vancouver, 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 Vancouver, Washington
Most CDs carry a fixed rate that is locked for the entire term, protecting a Vancouver, 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 Vancouver, Washington
Are CD rates in Vancouver, Washington FDIC insured?
Yes, most established banks in Vancouver, 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 Vancouver, 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 Vancouver, 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 Vancouver, 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 Vancouver, Washington?
Here are recent top rates found for this area:
- IQ Credit Union: 5.09% APY (24 Month Second CD)
- HAPO Community Credit Union: 4.10% APY (Certificate Account - 18 Month)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- Pacific West Bank: 3.85% APY (1-Year CD / IRA CD)
- Columbia Community Credit Union: 3.75% APY (12 Month Certificates (Personal & Business))
- Unitus Community Credit Union: 3.65% APY (12 Mo Certificate - Regular, IRA, ESA)
- Pacific NW Federal Credit Union: 3.50% APY (Certificates & IRAs - 12 Month)
- Rivermark Community Credit Union: 3.50% APY (6 Month Certificate)
- Ukrainian Federal Credit Union: 3.29% APY (5 Year Share Certificates)
- Cascade Federal Credit Union: 3.10% APY (Certificates - Jumbo 12-month)
Rates reflect recent verified offers available in Vancouver, Washington. Last Updated: October 14, 2026
Vancouver, 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 Vancouver, Washington rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Vancouver, Washington
Vancouver, Washington CD Calculator
At today’s WA top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.
Vancouver, Washington CD LadderWA CD rates currently range from 2.333% (3-month) to 2.706% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Vancouver, Washington CD at 5.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWashington’s average 12-month CD is 3.298% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vancouver, 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 Vancouver, 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 Vancouver, Washington. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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