Credit union · NCUA insured
Puget Sound Cooperative Credit Union CD Rates
Puget Sound Cooperative Credit Union’s best CD rate is 4.00% APY on an 18-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Puget Sound Cooperative Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Puget Sound Cooperative Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Puget Sound Cooperative Credit Union
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $400
Certificate
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
Puget Sound Cooperative Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Puget Sound Cooperative 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.
Certificate
Up to 4.00%APY · 5 terms
Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | — | 3.50% | $173 |
| 6 monthsWave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity) | 3.75% | — | 3.75% | $186 |
| 12 months | 3.75% | — | 3.75% | $375 |
| 12 monthsWave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity) | 4.00% | — | 4.00% | $400 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 24 monthsWave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity) | 4.00% | — | 4.00% | $816 |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 48 monthsWave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity) | 3.25% | — | 3.25% | $1,365 |
| 60 months | — | 2.78% | 2.78% | $1,469 |
Sources (3)
All captured Oct 4, 2026
Certificate Special
Up to 4.00%APY · 2 terms
Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply. Interest compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 3.50% | $203 |
| 18 months | 4.00% | $606 |
GreenUp Certificate
3.75%APY · 1 term
Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.75% | $568 |
Sources (1)
- psccu.org/Rates/Savings-Rates.aspx · captured Sep 15, 2026
Mount Rainier Certificate
3.75%APY · 1 term
Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 months | 3.75% | $633 |
Sources (1)
- psccu.org/Rates/Savings-Rates.aspx · captured Oct 4, 2026
Bump-Up Certificate
3.50%APY · 1 term
Includes a one-time rate bump-up option. Additional funds of at least $500 can be added anytime during the term. $1,000 minimum opening deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsOne-time rate bump-up when chosen. Add funds anytime during the term (minimum $500 for additional funds) | 3.50% | $144 |
Sources (1)
- psccu.org/Rates/Savings-Rates.aspx · captured Oct 4, 2026
Mount Adams Certificate
3.50%APY · 1 term
Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months | 3.50% | $291 |
Sources (1)
- psccu.org/Rates/Savings-Rates.aspx · captured Oct 4, 2026
Pacific Northwest (PNW) Certificate
3.50%APY · 1 term
Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.50% | $1,087 |
Sources (1)
- psccu.org/Rates/Savings-Rates.aspx · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 3 terms
Available as Traditional, Roth, and Educational IRA certificates. Early withdrawal penalties apply. $500 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 12 monthsWave Club rate. Requires an IRA Savings Account, an active PSCCU Checking Account (with direct deposit or regular deposits), and an active PSCCU Visa Credit Card (recent monthly activity) | 4.00% | $400 |
| 24 months | 3.75% | $764 |
| 24 monthsWave Club rate. Requires an IRA Savings Account, an active PSCCU Checking Account (with direct deposit or regular deposits), and an active PSCCU Visa Credit Card (recent monthly activity) | 4.00% | $816 |
| 48 months | 3.00% | $1,255 |
| 48 monthsWave Club rate. Requires an IRA Savings Account, an active PSCCU Checking Account (with direct deposit or regular deposits), and an active PSCCU Visa Credit Card (recent monthly activity) | 3.25% | $1,365 |
Who can join Puget Sound Cooperative Credit Union
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