Bank · FDIC insured
Bank of Washington Savings Rates
Top CarrotBank of Washington’s best savings rate is 2.00% APY on $10,000, with its Heroes Account. Rates checked October 16, 2026.
How Bank of Washington’s savings 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
2.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $200
Heroes Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Bank of Washington savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 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.
Heroes Account
2.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $25. Minimum balance to earn APY: Any balance.Any balance | 2.00% | $200 | Minimum opening deposit $25. Minimum balance to earn APY: Any balance. |
Sources (1)
- bankofwashington.com/bank/personal/rates · captured Sep 17, 2026
Prosper Account
1.00%APY
Effective as of stated date. Rate subject to change without notice after account opening. Fees may reduce earnings. Maintain $1,000 balance to avoid $10 monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $1,000. Minimum balance to earn APY: Any balance.Any balance | 1.00% | $100 | Minimum opening deposit $1,000. Minimum balance to earn APY: Any balance. |
Sources (2)
All captured Sep 17, 2026
Money Market Deposit
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 0.50% | $50 |
| $20,000 – $50,000 | 0.50% | — |
| $50,000 – $250,000 | 0.65% | — |
| $250,000 and up | 0.80% | — |
Sources (1)
- bankofwashington.com/bank/personal/rates · captured Sep 17, 2026
Statement Savings
0.25%APY
Free monthly service charge with no daily balance requirement. Works with the Kids Go Green program. $100 minimum opening deposit for age 18 and older, $25 for under age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns APY on any balance.Any balance | 0.25% | $25 | Earns APY on any balance. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Health Savings
0.50%APY
Must have a High Deductible Health Plan. Free debit card included. Free monthly service charge with no minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.35% | — |
| $2,500 – $10,000 | 0.45% | — |
| $10,000 and up | 0.50% | $50 |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.25%APY
Direct deposit or coupon books available. Deposits required to be made in $5 increments. Interest is paid annually with a check mailed in mid-October for Christmas shopping. Free monthly service charge. Open at any branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns APY on any balance.Any balance | 0.25% | $25 | Earns APY on any balance. |
Sources (2)
All captured Sep 17, 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.