Bank · FDIC insured
Pacific Crest Bank CD Rates
Top CarrotPacific Crest Bank’s best CD rate is 4.15% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Pacific Crest Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Pacific Crest Bank has the most branches. $10,000, best rate first.
This bank’s best
Pacific Crest Bank
4.15%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $847
Certificates of Deposit
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
Pacific Crest Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.15%
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 Pacific Crest Bank 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.
Certificates of Deposit
Up to 4.15%APY · 6 terms
Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded daily; early withdrawal penalties apply | 3.50% | $173 |
| 12 monthsInterest compounded daily; early withdrawal penalties apply | 4.10% | $410 |
| 24 monthsInterest compounded daily; early withdrawal penalties apply | 4.15% | $847 |
| 36 monthsInterest compounded daily; early withdrawal penalties apply | 3.40% | $1,055 |
| 48 monthsInterest compounded daily; early withdrawal penalties apply | 3.40% | $1,431 |
| 60 monthsInterest compounded daily; early withdrawal penalties apply | 3.40% | $1,820 |
Sources (3)
- paccrest.com/wp-content/uploads/Deposit_Rates_091026.pdf
- paccrest.com/newsletter-rate-sheet
- paccrest.com/deposit-rates
All captured Oct 15, 2026
Jumbo Certificates of Deposit
Up to 1.60%APY · 6 terms
Interest is compounded daily. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Includes an interest penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 0.35% | — |
| 12 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 0.55% | — |
| 24 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 0.85% | — |
| 36 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 1.15% | — |
| 48 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 1.35% | — |
| 60 monthsMinimum balance to open and obtain APY $245,000. Interest compounded daily. Penalty for early withdrawal of principal | 1.60% | — |
Sources (1)
- paccrest.com/newsletter-rate-sheet · captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (I.R.A.'s) Certificates of Deposit
Up to 4.15%APY · 6 terms
Available on Money Market Account and Certificates of Deposit with no annual fees. Minimum balance to open $2,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 3.50% | $173 |
| 12 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 4.10% | $410 |
| 24 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 4.15% | $847 |
| 36 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 3.40% | $1,055 |
| 48 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 3.40% | $1,431 |
| 60 monthsAvailable on Personal CDs with no annual fees. Interest compounded daily. Early withdrawal penalties apply | 3.40% | $1,820 |
Sources (2)
All captured Oct 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.