Credit union · NCUA insured
MountainCrest Credit Union CD Rates
MountainCrest Credit Union’s best CD rate is 3.30% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How MountainCrest Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where MountainCrest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MountainCrest Credit Union
3.05%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $151
Certificates of Deposit (CDs)
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
MountainCrest Credit Union CD score
64
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo2.79%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.71%
- QualifiedQualified3.05%
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 MountainCrest 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.
Special-purpose accounts
Certificates of Deposit (CDs)
Up to 3.05%APY · 5 terms
Dividends compounded daily or monthly, credited monthly. Early withdrawal penalty applies. Automatic renewal with a 7-day grace period. Bump rate feature available on 12-month CDs (excluding jumbo/promotional rates). Add-on feature available for terms of 12 months or less (minimum add-on $100, excluding jumbo CDs). $100 minimum deposit to open for minors. No setup or maintenance fees.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsAdditional deposits allowed (minimum add-on $100, total add-on deposits may not exceed original opening balance). Early withdrawal penalty: 90 days dividends. Automatic renewal with 7-day grace period | 3.05% | 3.30% | — | 3.05%3.30% from $50k | $151 |
| 12 months1 Year Jumbo certificate. Additional deposits not allowed. Not eligible for Bump Rate or Add-On features. Early withdrawal penalty: 90 days dividends. Automatic renewal with 7-day grace period | — | — | 3.20% | —3.20% from $100k | — |
| 12 monthsAdditional deposits allowed (minimum add-on $100, total add-on deposits may not exceed original opening balance). Bump rate feature available once during term. Early withdrawal penalty: 90 days dividends. Automatic renewal with 7-day grace period | 2.79% | 3.05% | — | 2.79%3.05% from $50k | $279 |
| 24 monthsAdditional deposits not allowed. Early withdrawal penalty: 180 days dividends. Automatic renewal with 7-day grace period | 1.51% | 1.56% | — | 1.51%1.56% from $50k | $304 |
| 36 monthsAdditional deposits not allowed. Early withdrawal penalty: 180 days dividends. Automatic renewal with 7-day grace period | 1.61% | 1.66% | — | 1.61%1.66% from $50k | $491 |
| 60 monthsAdditional deposits not allowed. Early withdrawal penalty: 180 days dividends. Automatic renewal with 7-day grace period | 1.71% | 1.77% | — | 1.71%1.77% from $50k | $885 |
Who can join MountainCrest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Washington state are eligible to join MountainCrest Credit Union.
Family and household
- Extended family members of eligible individuals—including spouses, children, grandchildren, parents, grandparents, sisters, brothers, and their families—are eligible for membership.
Cost to join
- Opening an account requires a minimum initial deposit of $5.
Membership information collected October 4, 2026.