Lacey, Washington (WA) Savings Rates - March 2026
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The savings 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.
The best savings rates for Lacey, Washington and the surrounding area include 1st Security Bank of Washington1st Security Bank of Washington649 Woodland Square Loop Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 2.12% Business Optimum Savings at 5.00% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU8308 Quinault DR NE, Lacey, WA 98516A+5.0 ★Texas Ratio: 3.49% Christmas Club Savings at 2.75% APY, OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L4310 6th Ave Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 2.38% Companion Savings at 2.57% APY, Harborstone Credit UnionHarborstone Credit Union1445 Galaxy Dr NE, Lacey, WA 98516 4754A5.0 ★Texas Ratio: 7.16% IRA Savings at 1.01% APY, and Washington State Employees Credit UnionWashington State Employees Credit Union4540 6th Ave SE, Lacey, WA 98503 1018A+5.0 ★Texas Ratio: 4.71% Minor Savings Account at 0.15% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lacey, 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 Lacey, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lacey, Washington and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Lacey, Washington & Surrounding Communities
Source: Verified Savings 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
Business Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $5,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Optimum Student Savings
5.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
Must be opened at a branch; Qualifying balance up to $5,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $5,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Nonprofit Savings
3.25%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
$100,000 and greater
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Christmas Club Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Companion Savings
2.57%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Companion Savings*
2.57%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Companion Savings***
2.57%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Nonprofit Savings
1.50%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
$50,000-$99,999.99
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
IRA Savings
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Nonprofit Savings
1.00%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
$0-$49,999.99
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
Minor Savings
0.50%
$5
▼
Rate0.50%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
Holiday Savings
0.50%
$5
▼
Rate0.50%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Roth IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Health Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Minor Savings Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
JustU Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
4540 6th Ave SE, Lacey, WA 98503 1018
Classic Savings Account
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Teen Savings
0.15%
$1
▼
Rate0.15%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
IRA Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Youth Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Must be opened at a branch
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
649 Woodland Square Loop Se, Lacey, WA 98503
Preferred Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
Set-Aside Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1445 Galaxy Dr NE, Lacey, WA 98516 4754
Business Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
4310 6th Ave Se, Lacey, WA 98503
Statement Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1010 Sleater Kinney Rd Se, Lacey, WA 98503
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1010 Sleater Kinney Rd Se, Lacey, WA 98503
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1010 Sleater Kinney Rd Se, Lacey, WA 98503
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA 98516
Regular Share
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 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 Savings
0.01%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1010 Sleater Kinney Rd Se, Lacey, WA 98503
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1010 Sleater Kinney Rd Se, Lacey, WA 98503
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Savings Account
12.00%
$0
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Maximum Balance $1,200
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
First Step Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500.00
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
First Step (Youth) Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA 98188 5164
Youth Savings
6.14%
$0
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
600 E Holly St, Bellingham, WA 98225
Stash (Emergency) Savings
6.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $2500.00
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
Round Up Savings
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3100 Woburn St, Bellingham, WA 98226
Youth Savings
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $1,000.00
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1620 N Signal Dr, Liberty Lake, WA 99019
First5 Savings
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
Explorer Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $500.00; Learn More
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
825 Goethals Dr, Richland, WA 99352
SmartPlus Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $500.00
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1617 6th Ave Fl 5, Seattle, WA 98101
Youth Savings Accounts
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
NexGen Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $1,000.00
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Rewards Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $1,000.00
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA 98683 9510
Rewards Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Full Balance
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA 99337
Regular Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
One Per Member (Primary RS Savings only) for 5%
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $10,000.00
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1 Microsoft Way, Redmond, WA 98052
Premier Savings for New Members
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Private Client Savings
3.40%
$0
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Seattle Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.78%
401 Union Street, Seattle, WA 98101
Private Business Savings
3.40%
$0
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Port Angeles, WA 98362
Rewards Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
26830 Maple Valley Black Diamond Rd Se, Maple Valley, WA 98038
Digital High-Yield Savings
3.30%
$50
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
920 5th Ave, Seattle, WA 98104
Premier Relationship Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
RELATIONSHIP
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
33410 Se Redmond Fall City Rd, Fall City, WA 98024
Gateway High Yield Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Any balance below $250,000.01
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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.
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.
Lacey, WA Savings Rate Trends
Compare local Lacey, 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.
High-Yield Savings — WA Avg
0.766%
▼ 0.694 from last week
Washington high-yield savings rates fell 0.694 points this week to 0.766% APY, down from 1.460% last week.
Standard Savings — WA Avg
0.560%
Unchanged from last week
Washington standard savings rates currently average 0.560% APY based on data from institutions in our monitoring network.
As of Mar 25, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 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 Lacey, 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 Lacey, Washington
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Washington, help your money grow faster through a higher APY.
Are savings 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 savings rates change in Lacey, Washington?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Lacey, Washington may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Lacey, Washington?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lacey, Washington offer in-person customer service, which some customers prefer.
How do I open a savings account in Lacey, Washington?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Lacey, Washington
Here are recent savings rates observed in Lacey, Washington and the surrounding area:
- 1st Security Bank of Washington
Business Optimum Savings — 5.00% APY - Americas Federal Credit Union ACU
Christmas Club Savings — 2.75% APY - OlyFed Olympia Federal S&L
Companion Savings — 2.57% APY - Harborstone Credit Union
IRA Savings — 1.01% APY - Washington State Employees Credit Union
Minor Savings Account — 0.15% APY
Savings 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: March 24, 2026
