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Best Money Market Rates in Washington - July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 | Last Updated: July 12, 2026

Current Washington money market deposit account rates include Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA 99207A+5.0 ★Texas Ratio: 3.64% Money Market at 4.00% APY, SaviBankSaviBank1737 Main St, Freeland, WA 98249A+5.0 ★Texas Ratio: 2.39% Money Market Account at 3.50% APY, IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA 98660 2918A+5.0 ★Texas Ratio: 4.02% Business Money Market Accounts at 3.50% APY, Sound Community BankSound Community Bank4922 Bridgeport Way W, University Place, WA 98467A+5.0 ★Texas Ratio: 2.09% Business Premier Money Market at 3.50% APY, and Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union1301 HIGHLAND AVE, CLARKSTON, WA 99403A+5.0 ★Texas Ratio: 4.06% Money Market Account at 3.49% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Washington side-by-side. Washington money market rates currently reach as high as 4.00% APY from Safeway Federal Credit Union at 529 E North Foothills Dr, Spokane, WA 99207. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Washington and surrounding area. Last Updated and Verified: July 12, 2026

Compare the Best Money Market Rates Today in Washington

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA 99207
Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details

Member is allowed 3 transactions per month to retain Money Market interest rate.

SaviBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1737 Main St, Freeland, WA 98249
Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Business Money Market Accounts
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Money Market Account
3.49%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
244 W Main Ave, Spokane, WA 99201
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Money Market Account
3.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Money Market Account
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Money Market Account
3.25%
$1,000
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
1st Rate Money Market
3.15%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
244 W Main Ave, Spokane, WA 99201
Thrive Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Business Money Market Plus
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Apex Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Premium Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
Premier Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
Business Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Business Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
2.85%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Apex Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Premium Personal Money Market Account (MMA) Tier 8
2.83%
$50,000
View
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details

Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings.

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
1620 N Signal Dr, Liberty Lake, WA 99019
Member Preferred Money Market
2.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

APY is accurate as of the last dividend declaration date. Rate is variable and balance tiers may change after account is opened. STCU membership is required to open account and fees may reduce earnings. STCU allows up to six (6) pre-authorized, automatic, or remote (such as online and mobile banking) transfers to another account, including other accounts you own, per calendar month. A $5 "excess item fee" may be charged for the first three items above that limit, and $15 for each additional item after that. See transaction limits. Federally insured up to NCUA limits.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Apex Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
2.75%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
Money Market Account
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Apex Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
2.60%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Money Market Account
2.58%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA 99207
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details

Member is allowed 3 transactions per month to retain Money Market interest rate.

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Business Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Elite Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Money Market as high as 2.50% APY*

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Money Market Max
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Money Market Max*
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1418 15th Ave, Longview, WA 98632
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
Money Market Plus - Personal & Business
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA 99403
Money Market Account
2.47%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
2.40%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Elite Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA 99354
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Money Market Account
2.25%
$1,000
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw, Lynnwood, WA 98037
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Elite Money Market
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Premium Personal Money Market Account (MMA) Tier 7
2.15%
$50,000
View
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Elite Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Business Money Market
2.02%
$1,000
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details

SaviBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1737 Main St, Freeland, WA 98249
Personal Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

SaviBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1737 Main St, Freeland, WA 98249
Business Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444
Elite Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Money Market
2.00%
$5
View
▼
Rate1.98%
Min Deposit$5
Min Balance—
UpdatedJul 11, 2026
Details

$10,000 - $24,999.99

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
1313 Main St, Vancouver, WA 98660 2918
Business Money Market Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Money Market and over
2.00%
$5
View
▼
Rate1.98%
Min Deposit$5
Min Balance—
UpdatedJul 11, 2026
Details

$50,000

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
155 Washington Ave, Bremerton, WA 98337 5606
Premium Money Market
2.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Money Market
2.00%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

$1,000,000 and greater

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
High Yield Money Market
2.00%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
Money Market Plus - Personal & Business
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA 98516
Guaranteed Money Market
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.57%
33820 Weyerhaeuser Way S Ste 110, Federal Way, WA 98001 8617
Money Market Savings
1.75%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details

Up to six free withdrawals per statement cycle

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Business Money Market Accounts
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5303 112th St E, Tacoma, WA 98446
Money Market
1.75%
$5
View
▼
Rate1.73%
Min Deposit$5
Min Balance—
UpdatedJul 11, 2026
Details

$1,000 - $4,999.99

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Money Market Max
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1 Microsoft Way, Redmond, WA 98052
Money Market Max*
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Traditional/Roth IRA Money Market
1.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Business Money Market Accounts
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801
Money Market
1.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
Money Market Plus - Personal & Business
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Money Market
1.50%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

$250,000-$999,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
High Yield Money Market
1.50%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
Money Market Plus - Personal & Business
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Premium Personal Money Market Account (MMA) Tier 6
1.38%
$50,000
View
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1301 5th Ave, Seattle, WA 98101
Money Market Plus - Personal & Business
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Money Market
1.25%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

$100,000-$249,999.99

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Premium Personal Money Market Account (MMA) Tier 5
1.12%
$50,000
View
▼
Rate1.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Apex Money Market
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
High Yield Money Market
1.00%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Tiered Rate Money Market
1.00%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
1209 Ingalls St, Vancouver, WA 98660 2722
Money Market
0.95%
$2,500
View
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
Premium Personal Money Market Account (MMA) Tier 4
0.87%
$50,000
View
▼
Rate0.85%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Money Market
0.85%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

$25,000-$99,999.99

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Business Premier Money Market
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA 98467
Momentum Money Market
0.76%
$0
View
▼
Rate0.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
High Yield Money Market
0.75%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Tiered Rate Money Market
0.75%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details

APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply.

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. Rates reflect recent market quotes and representative offers available to depositors in Washington and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Washington Money Market Rate Trends

Compare local Washington money market quotes against the statewide average

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

View Full Washington MMA Trends →
High-Yield MMA — WA Avg
2.916%
▲ 0.003 vs 7 days ago

Washington high-yield MMA rates rose 0.003 points over the past 7 days to 2.916% APY.

Standard MMA — WA Avg
0.664%
▼ 0.036 vs 7 days ago

Washington standard MMA rates fell 0.036 points over the past 7 days to 0.664% APY.

As of Jul 13, 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 Washington money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Washington. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in WA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Washington

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Washington.

Are Money Market accounts in Washington safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Washington up to $250,000 per depositor, per institution.

How often do MMA rates change in Washington?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Washington rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Washington?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Washington require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Washington

Here are some of the highest money market account APYs currently available in Washington:
  • Safeway Federal Credit Union
    Money Market — 4.00% APY
  • SaviBank
    Money Market Account — 3.50% APY
  • IQ Credit Union
    Business Money Market Accounts — 3.50% APY
  • Sound Community Bank
    Business Premier Money Market — 3.50% APY
  • Potlatch No 1 Financial Credit Union
    Money Market Account — 3.49% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 12, 2026

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Cities in Washington

  • Aberdeen
  • Acme
  • Addy
  • Adna
  • Airway Heights
  • Albion
  • Allyn
  • Almira
  • Amanda Park
  • Amboy
  • Anacortes
  • Anatone
  • Anderson Island
  • Appleton
  • Ardenvoir
  • Ariel
  • Arlington
  • Ashford
  • Asotin
  • Auburn
  • Bainbridge Island
  • Baring
  • Battle Ground
  • Bay Center
  • Beaver
  • Belfair
  • Bellevue
  • Bellingham
  • Belmont
  • Benge
  • Benton City
  • Beverly
  • Bickleton
  • Bingen
  • Black Diamond
  • Blaine
  • Blakely Island
  • Bothell
  • Bow
  • Boyds
  • Bremerton
  • Brewster
  • Bridgeport
  • Brinnon
  • Brownstown
  • Brush Prairie
  • Buckley
  • Bucoda
  • Buena
  • Burbank
  • Burley
  • Burlington
  • Burton
  • Camano
  • Camas
  • Camp Murray
  • Carbonado
  • Carlsborg
  • Carlton
  • Carnation
  • Carrolls
  • Carson
  • Cashmere
  • Castle Rock
  • Cathlamet
  • Centerville
  • Centralia
  • Chattaroy
  • Chehalis
  • Chelan
  • Chelan Falls
  • Cheney
  • Chewelah
  • Chimacum
  • Chinook
  • Cinebar
  • Clallam Bay
  • Clarkston
  • Clayton
  • Cle Elum
  • Clearlake
  • Clinton
  • Colbert
  • Colfax
  • College Place
  • Colton
  • Colville
  • Conconully
  • Concrete
  • Connell
  • Conway
  • Copalis Beach
  • Copalis Crossing
  • Cosmopolis
  • Cougar
  • Coulee City
  • Coulee Dam
  • Coupeville
  • Cowiche
  • Creston
  • Cunningham
  • Curlew
  • Curtis
  • Cusick
  • Custer
  • Dallesport
  • Danville
  • Darrington
  • Davenport
  • Dayton
  • Deer Harbor
  • Deer Park
  • Deming
  • Desert Aire
  • Dixie
  • Doty
  • Dryden
  • Dupont
  • Duvall
  • East Olympia
  • East Wenatchee
  • Easton
  • Eastsound
  • Eatonville
  • Edmonds
  • Edwall
  • Elbe
  • Electric City
  • Elk
  • Ellensburg
  • Elma
  • Elmer City
  • Eltopia
  • Endicott
  • Entiat
  • Enumclaw
  • Ephrata
  • Ethel
  • Evans
  • Everett
  • Everson
  • Fairfield
  • Fall City
  • Federal Way
  • Ferndale
  • Ford
  • Forks
  • Four Lakes
  • Fox Island
  • Freeland
  • Freeman
  • Friday Harbor
  • Fruitland
  • Galvin
  • Garfield
  • George
  • Gifford
  • Gig Harbor
  • Glenoma
  • Glenwood
  • Gold Bar
  • Goldendale
  • Goose Prairie
  • Graham
  • Grand Coulee
  • Grandview
  • Granger
  • Granite Falls
  • Grapeview
  • Grayland
  • Grays River
  • Greenacres
  • Greenbank
  • Hamilton
  • Hansville
  • Harrah
  • Harrington
  • Hartline
  • Hatton
  • Hay
  • Hazel Dell North
  • Heisson
  • Hobart
  • Hoodsport
  • Hooper
  • Hoquiam
  • Humptulips
  • Hunters
  • Husum
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  • Inchelium
  • Index
  • Indianola
  • Ione
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  • Joyce
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  • Keyport
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  • Kirkland
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  • Klickitat
  • La Center
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  • La Push
  • Lacey
  • Lacrosse
  • Lake Stevens
  • Lakebay
  • Lakewood
  • Lamona
  • Lamont
  • Langley
  • Latah
  • Laurier
  • Leavenworth
  • Lebam
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  • Lilliwaup
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  • Lind
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  • Lopez Island
  • Lummi Island
  • Lyle
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  • Manson
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  • Maple Valley
  • Marblemount
  • Marcus
  • Marlin
  • Marshall
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  • Matlock
  • Mattawa
  • Mazama
  • Mccleary
  • Mckenna
  • Mead
  • Medical Lake
  • Medina
  • Menlo
  • Mercer Island
  • Mesa
  • Metaline
  • Metaline Falls
  • Methow
  • Mica
  • Milton
  • Mineral
  • Moclips
  • Mohler
  • Monitor
  • Monroe
  • Montesano
  • Morton
  • Moses Lake
  • Mossyrock
  • Mount Vernon
  • Mountlake Terrace
  • Moxee
  • Mukilteo
  • Naches
  • Nahcotta
  • Napavine
  • Naselle
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  • Neilton
  • Nespelem
  • Newman Lake
  • Newport
  • Nine Mile Falls
  • Nooksack
  • Nordland
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  • North Lakewood
  • Northport
  • Oak Harbor
  • Oakesdale
  • Oakville
  • Ocean Park
  • Ocean Shores
  • Odessa
  • Okanogan
  • Olalla
  • Olga
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  • Omak
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  • Orient
  • Orondo
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  • Packwood
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  • Parker
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  • Randle
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  • Raymond
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  • Rice
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  • Rockport
  • Rollingbay
  • Ronald
  • Roosevelt
  • Rosalia
  • Rosburg
  • Roslyn
  • Roy
  • Royal City
  • Ryderwood
  • Saint John
  • Salkum
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  • Seabeck
  • Seahurst
  • Seattle
  • Seaview
  • Sedro Woolley
  • Sekiu
  • Selah
  • Sequim
  • Shaw Island
  • Shelton
  • Shoreline
  • Silvana
  • Silver Creek
  • Silverdale
  • Silverlake
  • Skamokawa
  • Skykomish
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  • Snoqualmie
  • Snoqualmie Pass
  • Soap Lake
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  • South Cle Elum
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  • South Prairie
  • Southworth
  • Spanaway
  • Spangle
  • Spokane
  • Sprague
  • Springdale
  • Stanwood
  • Starbuck
  • Startup
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  • Steilacoom
  • Steptoe
  • Stevenson
  • Stratford
  • Sultan
  • Sumas
  • Sumner
  • Sunnyside
  • Suquamish
  • Tacoma
  • Taholah
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  • Tekoa
  • Tenino
  • Thornton
  • Thorp
  • Tieton
  • Tokeland
  • Toledo
  • Tonasket
  • Toppenish
  • Touchet
  • Toutle
  • Tracyton
  • Trout Lake
  • Tumtum
  • Tumwater
  • Twisp
  • Underwood
  • Union
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  • University Place
  • Usk
  • Vader
  • Valley
  • Valleyford
  • Vancouver
  • Vantage
  • Vashon
  • Vaughn
  • Veradale
  • Wahkiacus
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  • Waldron
  • Walla Walla
  • Waller
  • Wallula
  • Wapato
  • Warden
  • Washougal
  • Washtucna
  • Waterville
  • Wauconda
  • Wauna
  • Waverly
  • Wellpinit
  • Wenatchee
  • West Richland
  • Westport
  • White Salmon
  • White Swan
  • Wilbur
  • Wilkeson
  • Wilson Creek
  • Winlock
  • Winthrop
  • Wishram
  • Woodinville
  • Woodland
  • Yacolt
  • Yakima
  • Yelm
  • Zillah