Ferndale, Washington (WA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best savings rates for Ferndale, Washington and the surrounding area include Whatcom Educational Credit UnionWhatcom Educational Credit Union5659 Barrett Rd, Ferndale, WA 98248A+5.0 ★Texas Ratio: 4.98% First Step (Youth) Savings at 7.00% APY, Peoples Bank (WA)Peoples Bank (WA)1895 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 0.39% Youth Savings at 5.50% APY, First Fed BankFirst Fed Bank1860 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 1.40% Rewards Savings at 3.35% APY, Banner BankBanner Bank1815 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, and Wells FargoWells Fargo1855 Main St, Ferndale, WA 98248A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ferndale, 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 Ferndale, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ferndale, Washington and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Ferndale, Washington & Surrounding Communities
Qualifying balance up to $500
Qualifying balance up to $500.00
Qualifying balance up to $2500.00
Qualifying balance up to $1,000.00
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.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Maximum Balance $1,200
Qualifying balance up to $5,000.00
Full Balance
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
Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
Must be opened at a branch; Qualifying balance up to $5,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
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.
Ferndale, WA Savings Rate Trends
Compare local Ferndale, 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 Ferndale, 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 Ferndale, 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 Ferndale, Washington
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ferndale, Washington safe?
How often do savings rates change in Ferndale, 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 Ferndale, Washington?
How do I open a savings account in Ferndale, Washington?
Best Savings Rates in Ferndale, Washington
- Whatcom Educational Credit Union
First Step (Youth) Savings — 7.00% APY - Peoples Bank (WA)
Youth Savings — 5.50% APY - First Fed Bank
Rewards Savings — 3.35% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
