Lacey, Washington Savings Rates - September 2026
Brian McKay
Brian McKay
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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: 4.31%Real return: +2.20%APY minus 2.8% CPI (February 2026) Business Optimum Savings at 5.00% APY, Harborstone Credit UnionHarborstone Credit Union1445 Galaxy Dr NE, Lacey, WA 98516 4754A+5.0 ★Texas Ratio: 5.85%Real return: -1.79%APY minus 2.8% CPI (February 2026) IRA Savings at 1.01% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU8308 Quinault DR NE, Lacey, WA 98516A+5.0 ★Texas Ratio: 2.27%Real return: -2.60%APY minus 2.8% CPI (February 2026) Health Savings at 0.20% APY, WaFd BankWaFd Bank4110 Pacific Ave Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 4.48%Real return: -2.70%APY minus 2.8% CPI (February 2026) Savings at 0.10% APY, and Washington State Employees Credit UnionWashington State Employees Credit Union4540 6th Ave SE, Lacey, WA 98503 1018A+5.0 ★Texas Ratio: 4.86%Real return: -2.70%APY minus 2.8% CPI (February 2026) JustU Savings accounts at 0.10% APY.
Lacey has 34 local institutions in our database, with savings rates as high as 5.00% 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, so 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: September 22, 2026
Compare the Best Savings Rates in Lacey, Washington & Surrounding Communities
Balance: $0-$5,000
Balance: $0-$5,000
Must be opened at a branch; Balance: $0-$5,000
Balance: $100,000 and greater
Balance: $50,000-$99,999.99
1
Balance: $0-$49,999.99
Minimum Monthly Balance:
Minimum Monthly Balance: $5, required to earn APY1
Balance: $5,000.01 and higher; APY (Annual Percentage Yield) is current as of 8/1/2025. Rates are subject to change daily. Fees may reduce earnings on your account. Consumer accounts are not eligible for this offer. To open the Business Optimum Savings account and avoid the monthly service charge the business must maintain an active business checking account. Limit one Business Optimum Savings account per legal entity ownership of each business checking account. The Earnings Credit Allowance is the total dollar value of credit that can be used to offset the service charges incurred during the analysis period.
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000. $0 maintenance service charge requirements: Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Student Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000. $0 maintenance service charge requirements: Maintain an active 1st Gold Student Checking account and transfer $25+ from your 1st Gold Student checking account to your Optimum Student Savings account at least once per month
Opening & Min Balance Req. $0+
Opening & Min Balance Req. $0+
Opening & Min Balance Req. $1+
Balance: $1000 +
Must be opened at a branch
Opening & Min Balance Req. $0+
For ages 18-25. WSECU deposits $1 to open account. Accessible with Online and Mobile Banking. Accounts automatically convert to general membership account at age 26.
Balance requirement: $1.00
Balance requirement: $1.00
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
$3 quarterly service charge will be imposed if average daily balance falls below $100. Variable interest rate account. Rates may change anytime and without notice. Fees may reduce earnings.
Balance: $100 daily balance required to earn APY1; Minimum: $5 + one-time $5 membership fee
Minimum Monthly Balance:
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Opening & Min Balance Req. $25+
Balance: first $500; Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Available for ages 0-19 years with a parent/guardian joint signer. Regular savings rate applies to balances above $500. Dividend rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. APY is accurate as of June 22, 2023.
Balance: $0.00 - $750.00
Balance: first $2500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Balances over $2,500 will earn .01% APY on remaining balance. One Stash Savings account per member. APY is accurate as of October 18, 2023.
Base APY on balance of $700+; Earn 6.00% APY for your first $700. That's 16x the national average**
Balance: $0 - $1,000
Balances above $500 earn 0.25% APY.
Balance: $0.01 - $5,000.00
APY = Annual Percentage Yield. Rate is accurate as of 09/01/26 . The last dividend declaration date and applies to the first $500 deposited in a qualifying Explorer Savings account. Balances over $500 earn 0.01% APY. Rates may change after the account is opened. Age Eligibility: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. Limit of one Explorer Savings account per member. Fees could reduce earnings. Offer can end at any time. Gesa will match deposits up to $25, in $5 increments, within the first year that the account is opened. If less than $5 is deposited at one time, a savings match equaling the amount deposited will be made within one business day of the account deposit. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit. Limit of one savings match of $5, per member, per day. Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered. Super Student Incentive deposit will be made within one business day of the presentation of a report card. Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student Match per member, per season. The incentive payments may be subject to required IRS reporting. Balance: $0.01 - $500.00
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements; APY is accurate as of 09/01/26 , the last dividend declaration date. In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the "non-qualifying" 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member's account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Fees could reduce earnings. Limited to one SmartPlus Savings account per member. Balance: $0.01 - $500.00
Balances above $1,000 will earn our regular savings rate. No monthly service fees, ensuring that every penny saved goes toward your child's future. Convenient online and mobile banking access, allowing you and your child to monitor savings anytime, anywhere.
Balance: Up to $25,000
Balance: $100 to $10,000
Published rate range: 2.50% - 4.00%.
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000; No minimum balance required; No monthly maintenance fees; Sync to digital wallet like Apple Pay for contactless, cashless purchases; Mobile App for Apple and Android devices - deposit checks, apply for a loan, open a new account, send money to family and friends with Zelle; Visa Debit Card with EMV chip technology; CO-OP Nationwide ATM & Shared Branch Network with nearly 30,000 surcharge free ATMs, 5,000 branches; Overdraft line-of-credit up to $20,000 available; Enroll in VISA Debit Card purchase alerts Click 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
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Washington high-yield savings rates rose 0.091 points over the past 7 days to 1.973% APY, up from 1.882%.
Washington standard savings rates fell 0.005 points over the past 7 days to 0.805% APY, down from 0.810%.
Lacey, Washington Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WA high-yield savings average of 1.973% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Lacey, Washington.
Savings Account Earnings in Lacey, Washington
Annual interest earnings at current WA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.973% APY) | Monthly Earnings | Standard Savings (0.805% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.64 / year | $8.22 | $40.27 / year | $3.36 |
| $10,000 | $197.28 / year | $16.44 | $80.54 / year | $6.71 |
| $25,000 | $493.20 / year | $41.10 | $201.35 / year | $16.78 |
| $50,000 | $986.40 / year | $82.20 | $402.70 / year | $33.56 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Lacey, Washington savings rate averages as of September 22, 2026. | ||||
About Our Lacey, Washington Savings Rate Database
MonitorBankRates found 7 institutions with branches in Lacey (4 banks, 3 credit unions), plus 14 additional state-chartered and national online institutions available to Lacey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: 1st Security Bank of Washington offers a savings account at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Lacey, Washington.
How to Find the Best Savings Rates in Lacey, Washington
What to compare when shopping for a savings account in Lacey, Washington
To find the best savings APYs in Lacey, Washington, start with credit unions and online-only banks: Lacey, Washington has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WA high-yield savings average is 1.973% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Lacey, Washington high-yield savings rates currently average 1.973% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Lacey, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 21 institutions in Lacey, Washington report savings rates to our database.
- You’re among Lacey, Washington’s 19.6% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Lacey, Washington CD rates
- You want check-writing flexibility → Lacey, Washington money market rates
- You need daily transaction access → Lacey, Washington checking rates
Lacey, Washington Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
19.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s WA high-yield savings average of 1.973%, saving 10% of the local median salary ($4,962/year) would earn an additional $98 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lacey, Washington Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lacey, Washington.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 1.973% | 0.805% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Lacey, Washington averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lacey, Washington
At WA’s top rate of 5.00% from 1st Security Bank of Washington, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lacey, Washington earner is roughly $12,400. At 1.973% APY, saving $1,030/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWashington’s high-yield savings average is 1.973% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Lacey, Washington earner makes $49,625/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.973% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.973% APY grows to roughly $36,951 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lacey, Washington savings 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 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)?
Are savings accounts in Lacey, Washington safe?
How often do savings rates change in Lacey, 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 Lacey, Washington?
How do I open a savings account in Lacey, Washington?
Best Savings Rates in Lacey, Washington
- 1st Security Bank of Washington
Business Optimum Savings: 5.00% APY - Harborstone Credit Union
IRA Savings: 1.01% APY - Americas Federal Credit Union ACU
Health Savings: 0.20% APY - WaFd Bank
Savings: 0.10% APY - Washington State Employees Credit Union
JustU Savings accounts: 0.10% APY
Lacey, Washington Rates & Resources
