Spokane, Washington (WA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Spokane, Washington and the surrounding area include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Savings Account at 12.00% APY, Spokane Teachers Credit UnionSpokane Teachers Credit Union106 W Nora Ave, Spokane, WA 99205A+5.0 ★Texas Ratio: 3.44% First5 Savings at 5.10% APY, Spokane City Credit UnionSpokane City Credit Union1930 N Monroe St, Spokane, WA 99205 4538A+5.0 ★Texas Ratio: 2.65% NexGen Savings at 5.00% APY, Gesa Credit UnionGesa Credit Union9625 N Newport Hwy, Spokane, WA 99218A+5.0 ★Texas Ratio: 4.63% SmartPlus Savings at 5.00% APY, and Idaho Central Credit UnionIdaho Central Credit Union41 W Riverside Ave, Spokane, WA 99201A+5.0 ★Texas Ratio: 4.09% High-Yield Online Savings Account at 3.25% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Spokane, 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 Spokane, Washington (WA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Spokane, Washington and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Spokane, Washington & Surrounding Communities
Maximum Balance $1,200
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00; Learn More
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
On a $250,000+ balance.
Earn a bonus 3% APY (annual percentage yield) dividend on the first $200 in all types of CFCU Youth Accounts.
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.
On a $100,000 - $249,999.99 balance.
General Savings account (Minimum $5.00 balance requirement for open and active account).
Qualifying balance up to $2,000.00
Rate may vary.
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
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
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.
Spokane, WA Savings Rate Trends
Compare local Spokane, 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 Spokane, 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 Spokane, 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 Spokane, Washington
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Spokane, Washington safe?
How often do savings rates change in Spokane, 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 Spokane, Washington?
How do I open a savings account in Spokane, Washington?
Best Savings Rates in Spokane, Washington
- Responders Emergency Services Credit Union
Savings Account — 12.00% APY - Spokane Teachers Credit Union
First5 Savings — 5.10% APY - Spokane City Credit Union
NexGen Savings — 5.00% APY - Gesa Credit Union
SmartPlus Savings — 5.00% APY - Idaho Central Credit Union
High-Yield Online Savings Account — 3.25% APY
