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Washington Savings Rate Trends

Lakewood, Washington (WA) Savings Rates - March 2026

The best savings rates for Lakewood, Washington and the surrounding area include Sound Credit UnionSound Credit Union7717 Bridgeport Way W, Lakewood, WA 98499A5.0 ★Texas Ratio: 10.49% High-Yield Business Savings at 3.04% APY, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU6310 Mount Tacoma Dr SW, Lakewood, WA 98499A+5.0 ★Texas Ratio: 3.49% Christmas Club Savings at 2.75% APY, Bank of HopeBank of Hope8608 South Tacoma Way, Lakewood, WA 98499A+5.0 ★Texas Ratio: 3.52% Kids Savings at 2.00% APY, Harborstone Credit UnionHarborstone Credit Union9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510A5.0 ★Texas Ratio: 7.16% IRA Savings at 1.01% APY, and UniBankUniBank9104 South Tacoma Way Ste A101, Lakewood, WA 98499A+5.0 ★Texas Ratio: 5.78% Health Savings Account (HSA) at 1.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Lakewood, 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 Lakewood, Washington (WA) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Lakewood, Washington and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Lakewood, Washington & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
High-Yield Business Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
High Yield Business Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Christmas Club Savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
8608 South Tacoma Way, Lakewood, WA 98499
Kids Savings
2.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Complimentary Kids Savings stackable money bank and passbook at new account opening

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
IRA Savings
1.01%
$100
Rate1.00%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
Health Savings Account (HSA)
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Money Plus Share
0.60%
$5,000
Rate0.60%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $100,000+

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Money Plus Share
0.55%
$5,000
Rate0.55%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $99,999.99

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Holiday Savings
0.50%
$5
Rate0.50%
Min Deposit$5
Min Balance
UpdatedMar 27, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Minor Savings
0.50%
$5
Rate0.50%
Min Deposit$5
Min Balance
UpdatedMar 27, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Money Plus Share
0.45%
$5,000
Rate0.45%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $49,999.99

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Money Plus Share
0.40%
$5,000
Rate0.40%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $4,999.99

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Holiday Share
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Sub Share
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Health 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%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
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%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Teen Savings
0.15%
$1
Rate0.15%
Min Deposit$1
Min Balance
UpdatedMar 22, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
9540 Bridgeport Way SW, Lakewood, WA 98499
Classic Savings Account
0.15%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 24, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
9540 Bridgeport Way SW, Lakewood, WA 98499
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%
9540 Bridgeport Way SW, Lakewood, WA 98499
Minor Savings Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
High Yield Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
High-Yield Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Sound Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
7717 Bridgeport Way W, Lakewood, WA 98499
Secondary Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Business Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Set-Aside Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 27, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
IRA 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%
317 Main St, Lakewood, NJ 08701
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

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
Business Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
Junior 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%
317 Main St, Lakewood, NJ 08701
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
9104 South Tacoma Way Ste A101, Lakewood, WA 98499
Personal Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
9802 Gravelly Lake Dr SW, Lakewood, WA 98499 1704
Regular Share
0.02%
$5
Rate0.02%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
317 Main St, Lakewood, NJ 08701
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
317 Main St, Lakewood, NJ 08701
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6310 Mount Tacoma Dr SW, Lakewood, WA 98499
Regular Share
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
317 Main St, Lakewood, NJ 08701
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

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Savings
12.00%
$0
Rate11.39%
Min Deposit$0
Min Balance
UpdatedMar 27, 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 (Youth) Savings
7.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $500

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

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

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Optimum Student Savings
5.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $5,000.00

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Optimum Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $5,000.00

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Business Optimum Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $5,000.00

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

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

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 25, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
734 Water St, Port Townsend, WA 98368
Nonprofit Savings
3.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMar 26, 2026
Details

$100,000 and greater

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 26, 2026
Details

Minimum Balance 4,5,6,9,10

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.63%
$25,000
Rate0.00%
Min Deposit$25,000
Min Balance
UpdatedMar 25, 2026
Details

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.

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.58%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
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%
421 Capitol Way S, Olympia, WA 98501
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%
421 Capitol Way S, Olympia, WA 98501
Companion Savings***
2.57%
$100
Rate2.50%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
301 E Fairhaven Ave, Burlington, WA 98233
High Yield Relationship Savings
2.53%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 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.

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.

Lakewood, WA Savings Rate Trends

Compare local Lakewood, 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.

View Full Washington Savings Trends →
High-Yield Savings — WA Avg
0.766%
▼ 1.033 from last week

Washington high-yield savings rates fell 1.033 points this week to 0.766% APY, down from 1.799% last week.

Standard Savings — WA Avg
0.307%
▲ 0.096 from last week

Washington standard savings rates rose 0.096 points this week to 0.307% APY, up from 0.211% last week.

As of Mar 28, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Washington?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lakewood, Washington offer in-person customer service, which some customers prefer.

How do I open a savings account in Lakewood, 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 Lakewood, Washington

Here are recent savings rates observed in Lakewood, Washington and the surrounding area:
  • Sound Credit Union
    High-Yield Business Savings — 3.04% APY
  • Americas Federal Credit Union ACU
    Christmas Club Savings — 2.75% APY
  • Bank of Hope
    Kids Savings — 2.00% APY
  • Harborstone Credit Union
    IRA Savings — 1.01% APY
  • UniBank
    Health Savings Account (HSA) — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lakewood, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026