Ephrata, Washington (WA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Ephrata, Washington and the surrounding area include Horizon Credit UnionHorizon Credit Union260 C St SW, Ephrata, WA 98823 1815A+5.0 ★Texas Ratio: 1.53% HomeStart Savings at 3.03% APY, Banner BankBanner Bank447 Basin St Sw, Ephrata, WA 98823A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Savings Account at 12.00% APY, Whatcom Educational Credit UnionWhatcom Educational Credit Union600 E Holly St, Bellingham, WA 98225A+5.0 ★Texas Ratio: 4.98% First Step Savings at 7.00% APY, and Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit Union2800 S 192nd St Ste 106, SEATAC, WA 98188 5164A+5.0 ★Texas Ratio: 0.33% Youth Savings at 6.14% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ephrata, Washington, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ephrata, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ephrata, Washington and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Ephrata, Washington & Surrounding Communities
Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements; Qualifying balance up to $50,000; $2,000 lender credit for first-time homebuyers
Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account.
Monthly service charge of $10 is waived when you meet one of the following criteria during that monthly statement cycle: $5,000 minimum daily balance or $10,000 average daily combined balance for checking and savings deposit relationship. If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%. Public fund accounts not eligible. Additional restrictions may apply.
Maximum Balance $1,200
Qualifying balance up to $500.00
Qualifying balance up to $500
Qualifying balance up to $2500.00
Qualifying balance up to $1,000.00
One Per Member (Primary RS Savings only) for 5%
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00; Learn More
Full Balance
Qualifying balance up to $1,000.00
Must be opened at a branch; Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $50,000
Qualifying balance up to $499.99
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Qualifications Required: Six qualifying transactions per month in an OnPoint checking account; Qualifying balance up to $100,000.00
3.50% above Share Rate
deposit $25,000 in new money** within 30 days
$25,000.00 New Money within 30 days**
$100,000 and greater
RELATIONSHIP
Any balance below $250,000.01
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.
Ephrata, WA Savings Rate Trends
Compare local Ephrata, WA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington high-yield savings rates fell 0.694 points this week to 0.766% APY, down from 1.460% last week.
Washington standard savings rates currently average 0.560% APY based on data from institutions in our monitoring network.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ephrata, 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 savings 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 Ephrata, Washington. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Ephrata, Washington
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ephrata, Washington safe?
How often do savings rates change in Ephrata, Washington?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Ephrata, Washington?
How do I open a savings account in Ephrata, Washington?
Best Savings Rates in Ephrata, Washington
- Horizon Credit Union
HomeStart Savings — 3.03% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Responders Emergency Services Credit Union
Savings Account — 12.00% APY - Whatcom Educational Credit Union
First Step Savings — 7.00% APY - Alaska Air Group Federal Credit Union
Youth Savings — 6.14% APY
