Bank · FDIC insured
Bank of Washington CD Rates
Top CarrotBank of Washington’s best CD rate is 4.45% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank of Washington’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Bank of Washington has the most branches. $10,000, best rate first.
This bank’s best
Bank of Washington
4.45%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,432
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Bank of Washington CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
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 Washington ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.45%APY · 9 terms
APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid at term or maturity of CD | 3.85% | $95 |
| 6 monthsInterest paid quarterly | 3.95% | $196 |
| 9 monthsInterest paid quarterly | 4.00% | $299 |
| 12 monthsInterest paid quarterly | 4.05% | $405 |
| 18 monthsInterest paid quarterly | 4.15% | $629 |
| 24 monthsInterest paid quarterly | 4.25% | $868 |
| 36 monthsInterest paid quarterly | 4.35% | $1,363 |
| 48 monthsInterest paid quarterly | 4.40% | $1,880 |
| 60 monthsInterest paid quarterly | 4.45% | $2,432 |
Sources (1)
- bankofwashington.com/bank/personal/rates · captured Oct 5, 2026
Special-purpose accounts
IRA CD
Up to 4.45%APY · 9 terms
APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid at term or maturity of CD | 3.85% | $95 |
| 6 monthsInterest paid quarterly | 3.95% | $196 |
| 9 monthsInterest paid quarterly | 4.00% | $299 |
| 12 monthsInterest paid quarterly | 4.05% | $405 |
| 18 monthsInterest paid quarterly | 4.15% | $629 |
| 24 monthsInterest paid quarterly | 4.25% | $868 |
| 36 monthsInterest paid quarterly | 4.35% | $1,363 |
| 48 monthsInterest paid quarterly | 4.40% | $1,880 |
| 60 monthsInterest paid quarterly | 4.45% | $2,432 |
Sources (1)
- bankofwashington.com/bank/personal/rates · captured Oct 5, 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.