Credit union · NCUA insured
evergreenDIRECT Credit Union CD Rates
evergreenDIRECT Credit Union’s best CD rate is 2.25% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How evergreenDIRECT Credit Union’s CD rates compare
Compared with banks and credit unions near Olympia, WA, where evergreenDIRECT Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
evergreenDIRECT Credit Union
2.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $25
- Earns on $10,000
- $225
Save to Win Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WCLA Credit Union
4.25%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $498
evergreenDIRECT Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo1.75%
- QualifiedQualified2.25%
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 evergreenDIRECT 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.
Save to Win Share Certificate
2.25%APY · 1 term
Open to credit union members at least 18 years old. Limited to 1 account per member. Eligible for cash prize drawings with raffle entries based on monthly deposit increases of $25. Automatically renews if balance is greater than $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTier listed as $25 - $50,000+; minimum opening deposit is $25 and a minimum balance of $25 must be maintained | 2.25% | $225 |
Share Certificates
Up to 2.25%APY · 5 terms
Must be a Credit Union member and maintain par value of one share ($5.00) in savings. Dividends calculated by daily balance method. Minimum opening deposit $1,000. Early withdrawal penalties apply based on term.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 2.25% | 2.25% | 2.25%2.25% from $50k | $225 |
| 24 months | 2.00% | 2.00% | 2.00%2.00% from $50k | $404 |
| 36 months | 1.75% | 1.75% | 1.75%1.75% from $50k | $534 |
| 48 months | 1.50% | 1.50% | 1.50%1.50% from $50k | $614 |
| 60 months | 1.25% | 1.25% | 1.25%1.25% from $50k | $641 |
Special-purpose accounts
IRA Share Certificate
Up to 2.25%APY · 5 terms
Traditional and Roth IRA options available. Maximum deposit per member is $250,000.00. Minimum deposit to open IRA is $250 ($1,000 minimum balance for certificate tiers). $35 yearly maintenance fee if combined IRA balances at year end is less than $1,000. Early withdrawal penalties apply.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsShared Rate Schedule applies to IRA Share Certificates | 2.25% | — | 2.25% | $225 |
| 12 monthsShared Rate Schedule applies to IRA Share Certificates; maximum deposit per member is $250,000 | — | 2.25% | —2.25% $50k–$250k | — |
| 24 monthsShared Rate Schedule applies to IRA Share Certificates | 2.00% | — | 2.00% | $404 |
| 24 monthsShared Rate Schedule applies to IRA Share Certificates; maximum deposit per member is $250,000 | — | 2.00% | —2.00% $50k–$250k | — |
| 36 monthsShared Rate Schedule applies to IRA Share Certificates | 1.75% | — | 1.75% | $534 |
| 36 monthsShared Rate Schedule applies to IRA Share Certificates; maximum deposit per member is $250,000 | — | 1.75% | —1.75% $50k–$250k | — |
| 48 monthsShared Rate Schedule applies to IRA Share Certificates | 1.50% | — | 1.50% | $614 |
| 48 monthsShared Rate Schedule applies to IRA Share Certificates; maximum deposit per member is $250,000 | — | 1.50% | —1.50% $50k–$250k | — |
| 60 monthsShared Rate Schedule applies to IRA Share Certificates | 1.25% | — | 1.25% | $641 |
| 60 monthsShared Rate Schedule applies to IRA Share Certificates; maximum deposit per member is $250,000 | — | 1.25% | —1.25% $50k–$250k | — |
Who can join evergreenDIRECT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible to join.
Military, government and schools
- Anyone who is part of any school district in Washington State is eligible to join.
Family and household
- Relatives of current members are eligible to join, regardless of where they live.
Cost to join
- Membership requires opening a Savings Account.
Membership information collected October 4, 2026.