Bank · FDIC insured
Seattle Bank CD Rates
Top CarrotSeattle Bank’s best CD rate is 4.15% APY on a 1-year CD. Terms run from 1 year to 3 years. Rates checked October 22, 2026.
How Seattle Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Seattle Bank has the most branches. $10,000, best rate first.
This bank’s best
Seattle Bank
4.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $415
Certificates of Deposit (CD)
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
Seattle Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.85%
- 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 Seattle 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 (CD)
Up to 4.15%APY · 4 terms
Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAll balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings | 4.15% | $415 |
| 18 monthsAt maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings | 4.05% | $614 |
| 24 monthsAll balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings | 3.85% | $785 |
| 36 monthsAll balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings | 3.85% | $1,200 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account CDs
Up to 4.15%APY · 4 terms
Available nationwide. Tax-advantaged retirement savings with Traditional, Roth, Inherited, and SEP IRA options. Terms range from 12 months to 60 months. Interest compounded daily, paid quarterly. No setup or annual maintenance fees. Early withdrawal penalty applies (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months; withdrawals before age 59 1/2 may also be subject to a 10% federal tax and possible state tax). 10-day grace period upon maturity. IRA annual contribution limits apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAll balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Early withdrawal penalties and IRA tax rules/limits apply | 4.15% | $415 |
| 24 monthsAll balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Early withdrawal penalties and IRA tax rules/limits apply | 3.85% | $785 |
| 36 monthsAll balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Early withdrawal penalties and IRA tax rules/limits apply | 3.85% | $1,200 |
| 48 monthsAll balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Early withdrawal penalties and IRA tax rules/limits apply | 3.85% | $1,631 |
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.