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Washington Savings Rate Trends

Liberty Lake, Washington (WA) Savings Rates - March 2026

The best savings rates for Liberty Lake, Washington and the surrounding area include Spokane Teachers Credit UnionSpokane Teachers Credit Union1620 N Signal Dr, Liberty Lake, WA 99019A+5.0 ★Texas Ratio: 3.44% First5 Savings at 5.10% APY, Idaho Central Credit UnionIdaho Central Credit Union21398 E Country Vista Dr, Liberty Lake, WA 99019A+5.0 ★Texas Ratio: 4.09% High-Yield Online Savings Account at 3.25% APY, Horizon Credit UnionHorizon Credit Union22206 E Country Vista Dr, Liberty Lake, WA 99019 7591A+5.0 ★Texas Ratio: 1.53% Tether Shares* at 3.03% APY, Banner BankBanner Bank1221 N Liberty Lake Rd, Liberty Lake, WA 99019A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, and Numerica Credit UnionNumerica Credit Union21951 E Country Vista Dr, Liberty Lake, WA 99019A+5.0 ★Texas Ratio: 2.80% Growth Savings at 1.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Liberty Lake, Washington and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Liberty Lake, Washington & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
High-Yield Online Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
22206 E Country Vista Dr, Liberty Lake, WA 99019 7591
Tether Shares*
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
22206 E Country Vista Dr, Liberty Lake, WA 99019 7591
HomeStart Savings
3.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

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

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
22206 E Country Vista Dr, Liberty Lake, WA 99019 7591
Tether Savings
3.03%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 27, 2026
Details

Qualifications Required: must open both the Tether savings and Tether checking account; agree to receive online statements; maintain a minimum balance of $50 in Tether Savings and make minimum deposit of $50 to the Tether savings each month from Tether checking by electronic means such as online banking, interactive voice response via our automated phone system. Any other non-human assisted deposit / transfer in order to obtain the disclosed annual percentage yield; Qualifying balance up to $15,000.00

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
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%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
2.58%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
2.53%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
2.28%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
1.51%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
21951 E Country Vista Dr, Liberty Lake, WA 99019
Growth Savings
1.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $2,000.00

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
IRA Money Market Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
IRA Money Market Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Money Market Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
High-Yield Savings
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Money Market Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
IRA Money Market Savings Account
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
High-Yield Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA 99019 7613
High-Yield Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Money Market Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

CALCOE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
IRA Savings
0.40%
$250
Rate0.00%
Min Deposit$250
Min Balance
UpdatedMar 16, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
IRA Money Market Savings Account
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1221 N Liberty Lake Rd, Liberty Lake, WA 99019
High Yield Relationship Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1620 N Signal Dr, Liberty Lake, WA 99019
First5 Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Balances above $500 earn 0.25% APY.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
IRA Savings Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Youth Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Central Cents Savings Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Choice Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Coverdell Education Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Idaho First-Time Home Buyer Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Idaho Medical Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA 99019 7613
Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
21398 E Country Vista Dr, Liberty Lake, WA 99019
Choice Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 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 28, 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 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

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

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.

Liberty Lake, WA Savings Rate Trends

Compare local Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, 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 Liberty Lake, Washington?

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

How do I open a savings account in Liberty Lake, 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 Liberty Lake, Washington

Here are recent savings rates observed in Liberty Lake, Washington and the surrounding area:
  • Spokane Teachers Credit Union
    First5 Savings — 5.10% APY
  • Idaho Central Credit Union
    High-Yield Online Savings Account — 3.25% APY
  • Horizon Credit Union
    Tether Shares* — 3.03% APY
  • Banner Bank
    High Yield Relationship Savings — 2.63% APY
  • Numerica Credit Union
    Growth Savings — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Liberty Lake, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026