Best Money Market Rates in Federal Way, Washington - July 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Federal Way, Washington and the surrounding area money market deposit account rates include Harborstone Credit UnionHarborstone Credit Union32210 Pacific Hwy S, Federal Way, WA 98003 6000A5.0 ★Texas Ratio: 6.54% MONEY MARKET ONLINE SPECIAL at 3.75% APY, Red Canoe Credit UnionRed Canoe Credit Union33616 Pacific Hwy S, Federal Way, WA 98003 6810A+5.0 ★Texas Ratio: 3.60% Business Money Market at 3.00% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union32129 Weyerhaeuser Way S Ste 102, Federal Way, WA 98001 9801A+5.0 ★Texas Ratio: 1.51% Business Money Market Accounts at 1.75% APY, Credit Human Federal Credit UnionCredit Human Federal Credit Union33820 Weyerhaeuser Way S Ste 110, Federal Way, WA 98001 8617A-5.0 ★Texas Ratio: 12.57% Money Market Savings at 1.75% APY, and Washington State Employees Credit UnionWashington State Employees Credit Union34024 Hoyt Rd SW Ste H, Federal Way, WA 98023A+5.0 ★Texas Ratio: 4.20% Money Market accounts at 1.25% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Federal Way has 6 local institutions in our database, with money market rates as high as 3.75% APY from Harborstone Credit Union at 32210 Pacific Hwy S, Federal Way, WA 98003 6000. Use the table below to compare all available offers, including options from institutions serving the broader Washington area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Federal Way, Washington and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Federal Way, Washington & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
32210 Pacific Hwy S, Federal Way, WA 98003 6000
MONEY MARKET ONLINE SPECIAL
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
32210 Pacific Hwy S, Federal Way, WA 98003 6000
Money Market
2.01%
$25
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedJul 13, 2026
Details
however balances below $1,000 will result in a fee*
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
▼
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
▼
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
▼
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
Traditional/Roth IRA Money Market
1.70%
$0
▼
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
Money Market
1.70%
$0
▼
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
▼
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
Business Money Market Accounts
1.65%
$0
▼
Rate1.64%
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
1.65%
$0
▼
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
1.65%
$0
▼
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
Money Market
1.60%
$0
▼
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
1.60%
$0
▼
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
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Money Market
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Money Market
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Money Market
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
0.94%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
0.89%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
0.79%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
0.74%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
33616 Pacific Hwy S, Federal Way, WA 98003 6810
Business Money Market
0.60%
$0
▼
Rate0.60%
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
0.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
UniBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.78%
31433 Pacific Hwy S, Federal Way, WA 98003
Money Market Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tier 3
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
34024 Hoyt Rd SW Ste H, Federal Way, WA 98023
Money Market accounts
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
UniBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.78%
31433 Pacific Hwy S, Federal Way, WA 98003
Money Market Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tier 1
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
0.05%
$0
▼
Rate0.05%
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
0.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Money Market
4.00%
$0
▼
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%
Business Money Market Accounts
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Account
3.49%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
Money Market Account
3.39%
$0
▼
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%
Money Market Account
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Money Market Account
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
3.15%
$0
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
1st Rate Money Market
3.15%
$100,000
▼
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.
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Premier Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Money Market Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Premium Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Premium Money Market
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Premium Money Market
2.85%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 8
2.83%
$50,000
▼
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%
Member Preferred Money Market
2.79%
$0
▼
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.
Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Premium Money Market
2.75%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 7
2.15%
$50,000
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Business Money Market
2.00%
$1,500
▼
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%
High Yield Money Market
2.00%
$1,500
▼
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%
Money Market Plus - Personal & Business
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.65%
$0
▼
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%
High Yield Money Market
1.50%
$1,500
▼
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%
Business Money Market
1.50%
$1,500
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJul 12, 2026
Details
$250,000-$999,999.99
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
1.41%
$0
▼
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%
Premium Personal Money Market Account (MMA) Tier 6
1.38%
$50,000
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.35%
$0
▼
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%
Business Money Market
1.25%
$1,500
▼
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%
Momentum Money Market
1.16%
$0
▼
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%
Premium Personal Money Market Account (MMA) Tier 5
1.12%
$50,000
▼
Rate1.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 12, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
1.10%
$0
▼
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%
High Yield Money Market
1.00%
$1,500
▼
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%
Tiered Rate Money Market
1.00%
$100
▼
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%
Money Market
0.95%
$2,500
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
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MonitorBankRates
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 Federal Way, 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.
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.
Federal Way, WA Money Market Rate Trends
Compare local Federal Way, WA 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.
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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, 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 Federal Way, Washington
Here are some of the highest money market account APYs currently available in Federal Way, Washington and the surrounding area:
- Harborstone Credit Union
MONEY MARKET ONLINE SPECIAL — 3.75% APY - Red Canoe Credit Union
Business Money Market — 3.00% APY - Firefighters First Federal Credit Union
Business Money Market Accounts — 1.75% APY - Credit Human Federal Credit Union
Money Market Savings — 1.75% APY - Washington State Employees Credit Union
Money Market accounts — 1.25% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Federal Way, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 13, 2026
Federal Way, Washington Rates & Resources
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