Bank · FDIC insured
Bank of the Pacific Savings Rates
Bank of the Pacific’s best savings rate is 0.04% APY on $10,000, with its Essential Savings Account. Rates checked October 22, 2026.
How Bank of the Pacific’s savings rates compare
Compared with banks and credit unions near Aberdeen, WA, where Bank of the Pacific has the most branches. $10,000, best rate first.
This bank’s best
Bank of the Pacific
0.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $4
Essential Savings Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Utility Employees Federal Credit Union
2.53%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $253
Bank of the Pacific savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.04%
- $100,000 balance$100,0000.04%
- QualifiedQualified0.04%
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 Bank of the Pacific ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Essential Savings Account
0.04%APY
Must maintain a $300 minimum daily balance during the quarterly statement cycle to earn disclosed APY and avoid the $9 quarterly service fee. $50 early account closure fee if closed within 90 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires a minimum daily balance of $300 to obtain disclosed APY. $9 quarterly service fee applies if balance falls below $300.$300 and up | 0.04% | $4 | Requires a minimum daily balance of $300 to obtain disclosed APY. $9 quarterly service fee applies if balance falls below $300. |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
Youth Savings Account
0.03%APY
Available to individuals up to 17 years old. No quarterly service fee and no minimum daily balance required to earn APY. $50 early account closure fee if closed within 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAge qualification up to 17 years old. No minimum daily balance to obtain APY and no quarterly service fee.Any balance | 0.03% | $3 | Age qualification up to 17 years old. No minimum daily balance to obtain APY and no quarterly service fee. |
Sources (2)
All captured Sep 15, 2026
Health Savings Account (HSA)
0.02%APY
Must be covered by an eligible High Deductible Health Plan (HDHP), not enrolled in Medicare, and not claimed as a dependent. Subject to a $3 monthly service fee and an optional $3 monthly paper statement fee (waived with electronic statements). $25 custodial transfer fee and $25 closure fee within the first 90 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300Tier 1 balance tier $0.00–$299.99. $3 monthly service fee. | 0.00% | — | Tier 1 balance tier $0.00–$299.99. $3 monthly service fee. |
| $300 – $2,500Tier 2 balance tier $300.00–$2,499.99. $3 monthly service fee. | 0.01% | — | Tier 2 balance tier $300.00–$2,499.99. $3 monthly service fee. |
| $2,500 and upTier 3 balance tier $2,500.00 and up. $3 monthly service fee. | 0.02% | $2 | Tier 3 balance tier $2,500.00 and up. $3 monthly service fee. |
Sources (2)
All captured Sep 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.