MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Best Money Market Rates in Lacey, Washington (WA) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| 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: May 12, 2026

Current Lacey, Washington and the surrounding area money market deposit account rates include 1st Security Bank of Washington1st Security Bank of Washington649 Woodland Square Loop Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 2.12% 1st Rate Money Market at 3.15% APY, OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L4310 6th Ave Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 2.38% Business Premium Money Market Account Tier 7 at 3.09% APY, Harborstone Credit UnionHarborstone Credit Union1445 Galaxy Dr NE, Lacey, WA 98516 4754A5.0 ★Texas Ratio: 7.16% Money Market at 2.01% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU8308 Quinault DR NE, Lacey, WA 98516A+5.0 ★Texas Ratio: 3.49% Guaranteed Money Market at 1.76% APY, and Washington State Employees Credit UnionWashington State Employees Credit Union4540 6th Ave SE, Lacey, WA 98503 1018A+5.0 ★Texas Ratio: 4.71% Money Market at 1.25% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Lacey has 5 local institutions in our database, with money market rates as high as 3.15% APY from 1st Security Bank of Washington at 649 Woodland Square Loop Se, Lacey, WA 98503. 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 Lacey, Washington and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Lacey, Washington & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
1st Rate Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 7
3.09%
$50,000
View
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 8
2.83%
$50,000
View
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 6
2.15%
$50,000
View
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 7
2.15%
$50,000
View
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
Money Market
2.01%
$25
View
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details

however balances below $1,000 will result in a fee*

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
High Yield Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
2.00%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000 and greater

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Guaranteed Money Market
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 5
1.64%
$50,000
View
▼
Rate1.60%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
1.50%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$250,000-$999,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
High Yield Money Market
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 6
1.38%
$50,000
View
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
1.25%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$100,000-$249,999.99

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 5
1.12%
$50,000
View
▼
Rate1.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
High Yield Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Tiered Rate Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
0.94%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
0.94%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
0.89%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
0.89%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 4
0.87%
$50,000
View
▼
Rate0.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
0.85%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$25,000-$99,999.99

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
0.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
0.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
High Yield Money Market
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Tiered Rate Money Market
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
0.74%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
0.74%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
0.65%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$10,000-$24,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Tiered Rate Money Market
0.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account Tier 5
0.51%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account (MMA) Tier 5
0.51%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Personal Money Market Account Tier 5
0.51%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 3
0.51%
$50,000
View
▼
Rate0.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 4
0.51%
$50,000
View
▼
Rate0.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
High Yield Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $4,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Business Money Market
0.46%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

up to $9,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Tiered Rate Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $4,999.99

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account Tier 3
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 2
0.20%
$50,000
View
▼
Rate0.20%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Personal Money Market Account Tier 4
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Personal Money Market Account Tier 3
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account Tier 4
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account (MMA) Tier 4
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account (MMA) Tier 3
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market Accounts
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 3
0.15%
$50,000
View
▼
Rate0.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 2
0.10%
$50,000
View
▼
Rate0.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account (MMA) Tier 2
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Premium Money Market Account Tier 1
0.10%
$50,000
View
▼
Rate0.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account Tier 2
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Personal Money Market Account Tier 2
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account (MMA) Tier 1
0.05%
$2,500
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
1st Rate Money Market
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $99,999.99

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Business Money Market Account Tier 1
0.05%
$2,500
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Personal Money Market Account Tier 1
0.05%
$2,500
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Premium Personal Money Market Account Tier 1
0.05%
$50,000
View
▼
Rate0.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
12.00%
$0
View
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,200.00

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Youth Money Market
5.12%
$1
View
▼
Rate5.00%
Min Deposit$1
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $750.00

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Minimum balance to earn interest $5,000.; Member is allowed 3 transactions per month to retain Money Market interest rate.

Qualstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
Premier Money Market
3.51%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Nonprofit Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
Money Market Account (Personal)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.49%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.01 & Above

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.30%
Premium Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.30%
Premium Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.30%
Premium Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Premium Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Premier Money Market
3.00%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Money Market Plus
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Jumbo Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
Money Market Account (Personal)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Member Preferred Money Market
2.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Minimum $500,000. APY effective 12/2/25

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Money Market / Preferred Share Investment (PSI)
2.79%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Kitsap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.30%
Premium Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.58%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Money Market / Preferred Share Investment (PSI)
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
Community-Impact Money Market for Nonprofit Organizations
2.50%
$1,000
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Money Market Max
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

as high as

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Minimum balance to earn interest $5,000.; Member is allowed 3 transactions per month to retain Money Market interest rate.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Elite Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
Money Market Account (Personal)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.47%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Elite Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
Community-Impact Money Market for Nonprofit Organizations
2.35%
$1,000
View
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

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 Lacey, 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.

Lacey, WA Money Market Rate Trends

Compare local Lacey, 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.

View Full Washington MMA Trends →
High-Yield MMA — WA Avg
2.880%
Unchanged vs 7 days ago

Washington high-yield MMA rates currently average 2.880% APY.

Standard MMA — WA Avg
0.702%
Unchanged vs 7 days ago

Washington standard MMA rates currently average 0.702% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Lacey, 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 Lacey, 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 Lacey, 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 Lacey, 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 Lacey, 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 Lacey, 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 Lacey, 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 Lacey, Washington

Here are some of the highest money market account APYs currently available in Lacey, Washington and the surrounding area:
  • 1st Security Bank of Washington
    1st Rate Money Market — 3.15% APY
  • OlyFed Olympia Federal S&L
    Business Premium Money Market Account Tier 7 — 3.09% APY
  • Harborstone Credit Union
    Money Market — 2.01% APY
  • Americas Federal Credit Union ACU
    Guaranteed Money Market — 1.76% APY
  • Washington State Employees Credit Union
    Money Market — 1.25% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lacey, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

Lacey, Washington Rates & Resources

$
Lacey, Washington CD Rates
$
Lacey, Washington Savings Rates
$
Lacey, Washington Checking Rates
$
Lacey, Washington Mortgage Rates
$
Lacey, Washington Auto Loan Rates
$
Lacey, Washington Personal Loan Rates