Credit union · NCUA insured
American Lake Credit Union CD Rates
American Lake Credit Union’s best CD rate is 3.85% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How American Lake Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where American Lake Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Lake Credit Union
3.85%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $418
Certificates of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
American Lake Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.15%
- QualifiedQualified3.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Lake Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.85%APY · 8 terms
Flexible terms from 3 to 60 months. Open with as little as $500. Federally insured by NCUA up to $250,000 per depositor. Dividends compounded/credited monthly. Additional deposits not allowed. Withdrawals allowed (see transaction limitations).
| Term | APY · Any balance | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months90 Day Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 3.00% | — | — | — | — | 3.00% | $74 |
| 6 months6 Month Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | 2.40% | 2.45% | 2.50% | — | 2.40%2.45% from $10k2.50% from $50k | $119 |
| 6 months6 Month Veterans Family Fund. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 1.50% | — | — | — | — | 1.50% | $75 |
| 12 months1 Year Certificate - Bump Feature. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | — | 2.85% | 2.90% | 2.95% | 2.85%2.90% from $50k2.95% from $100k | $285 |
| 12 months1 Year Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | 2.85% | 2.90% | 2.95% | 3.00% | 2.85%2.90% from $10k2.95% from $50k3.00% from $100k | $285 |
| 13 months13 Months Certificates CD Promotion Rate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 3.85% | — | — | — | — | 3.85% | $418 |
| 17 months17 Months Certificates CD Promotion Rate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 3.50% | — | — | — | — | 3.50% | $499 |
| 24 months2 Year Certificate - Bump Feature. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | — | 2.30% | 2.35% | 2.40% | 2.30%2.35% from $50k2.40% from $100k | $465 |
| 24 months2 Year Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | 2.30% | 2.35% | 2.40% | 2.45% | 2.30%2.35% from $10k2.40% from $50k2.45% from $100k | $465 |
| 36 months3 Year Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | 2.00% | 2.05% | — | — | 2.00%2.05% from $10k | $612 |
| 60 months5 Year Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | — | 2.10% | 2.15% | — | — | 2.10%2.15% from $10k | $1,095 |
Sources (1)
- americanlake.org/Save/Long-Term/Certificates-of-Deposit · captured Sep 15, 2026
Special-purpose accounts
IRA Certificate
Up to 1.80%APY · 3 terms
Traditional and Roth IRAs offered. IRA CD has flexible terms from 18 months to 5 years. Potential tax benefits. Catch-up contributions for age 50 and over. Dividends compounded/credited monthly. Additional deposits not allowed. Withdrawals allowed (see transaction limitations).
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months18 Month IRA Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 1.40% | 1.50% | 1.40%1.50% from $10k | $211 |
| 30 months30 Month IRA Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 1.50% | 1.60% | 1.50%1.60% from $10k | $379 |
| 60 months5 Year IRA Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly | 1.70% | 1.80% | 1.70%1.80% from $10k | $879 |
Sources (2)
All captured Sep 15, 2026
Who can join American Lake Credit Union
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