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Best Banks & Checking Accounts in Tacoma, Washington - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 15, 2026

The best checking rates for Tacoma, Washington include Harborstone Credit UnionHarborstone Credit Union7220 Tacoma Mall Blvd, Tacoma, WA 98409A5.0 ★Texas Ratio: 7.16% PNW Premier Checking at 7.00% APY, Cascade Federal Credit UnionCascade Federal Credit Union2220 S 37th St Ste 7, Tacoma, WA 98409 7472A+5.0 ★Texas Ratio: 3.26% Summit Checking at 5.00% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union1703 Dock St Ste A, Tacoma, WA 98402 3235A+5.0 ★Texas Ratio: 3.96% GreenRewards Checking at 4.07% APY, TAPCO Credit UnionTAPCO Credit Union5303 112th St E, Tacoma, WA 98446A+5.0 ★Texas Ratio: 2.92% High-Yield Checking at 4.00% APY, and Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union1724 E 44th St, Tacoma, WA 98404 4611A+5.0 ★Texas Ratio: 5.24% IOLTA Checking at 1.51% APY. Checking account rates as of May 15, 2026 according to verified data from MonitorBankRates.

Tacoma has 7 local institutions in our database, with checking rates as high as 7.00% APY from Harborstone Credit Union at 7220 Tacoma Mall Blvd, Tacoma, WA, 98409. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Tacoma, Washington. Checking Account Rates Last Updated and Verified: May 15, 2026

Compare Checking Account Rates Today in Tacoma, Washington & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
7220 Tacoma Mall Blvd
Tacoma, WA 98409
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7
Tacoma, WA 98409 7472
Summit Checking
5.00%
$50
View
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A
Tacoma, WA 98402 3235
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
High-Yield Checking
4.00%
$5
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St
Tacoma, WA 98409
Interest Plus Checking
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St
Tacoma, WA 98409
Interest Plus Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
IOLTA Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
7220 Tacoma Mall Blvd
Tacoma, WA 98409
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7
Tacoma, WA 98409 7472
Summit Checking
5.00%
$50
View
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A
Tacoma, WA 98402 3235
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
High-Yield Checking
4.00%
$5
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St
Tacoma, WA 98409
Interest Plus Checking
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St
Tacoma, WA 98409
Interest Plus Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St
Tacoma, WA 98409
Interest Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
Advantage Checking
0.01%
$5
View
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
PNW Premier Checking
7.00%
$25
View
▼
Rate6.78%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
Interest Checking
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $14,999.99

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $500.00

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Great Advantage Checking Qualifying
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Loyalty Checking
5.00%
$100
View
▼
Rate4.89%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $35,000.00

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $5000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $30,000.00

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
lyfe Checking
4.13%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A
Tacoma, WA 98402 3235
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $5000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.55%
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $5000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Variable

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking Variable
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Kasasa Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A
Tacoma, WA 98402 3235
Better-than-Basic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
7220 Tacoma Mall Blvd
Tacoma, WA 98409
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Variable

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Free Kasasa Cash Checking Variable
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Free Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

WCLA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

(personal)

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Youth Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
7220 Tacoma Mall Blvd
Tacoma, WA 98409
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $5000.00

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Teen Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Horizon Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Explore Youth Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Smart Checking (Youth)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Premium Commercial Checking Account Business
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
1724 E 44th St
Tacoma, WA 98404 4611
Small Business Checking Account Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
Business Checking Business
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Interest Checking IOLTA Business
2.71%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Interest Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Elite Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Business Interest Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Premium Business Checking Business
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tacoma, WA Checking Rate Trends

Compare local Tacoma, WA checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Washington Checking Trends →
High-Yield Checking — WA Avg
1.790%
▼ 0.435 vs 7 days ago

Washington high-yield checking rates fell 0.435 points over the past 7 days to 1.790% APY.

Free Checking — WA Avg
2.224%
▲ 0.446 vs 7 days ago

Washington free checking rates rose 0.446 points over the past 7 days to 2.224% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tacoma, Washington checking 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 Checking Rate Data: We aggregate checking account rates for Tacoma, Washington directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Tacoma, Washington. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in WA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Tacoma, Washington earn interest?

Most traditional local checking accounts in Tacoma, Washington earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Tacoma, Washington FDIC insured?

Yes. Legitimate banks with branches in Tacoma, Washington are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Tacoma, Washington

Based on our current data, some of the highest checking account APYs available to residents of Tacoma, Washington include:
  • Harborstone Credit Union
    PNW Premier Checking — 7.00% APY
  • Cascade Federal Credit Union
    Summit Checking — 5.00% APY
  • Puget Sound Cooperative Credit Union
    GreenRewards Checking — 4.07% APY
  • TAPCO Credit Union
    High-Yield Checking — 4.00% APY
  • Seattle Metropolitan Credit Union
    IOLTA Checking — 1.51% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tacoma, Washington. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 15, 2026

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