Credit union · NCUA insured
Seattle Credit Union CD Rates
Seattle Credit Union’s best CD rate is 4.35% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Seattle Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Seattle Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Seattle Credit Union
4.35%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $398
Special 11 Month New Money 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 Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.35%
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 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.
Jumbo Certificates
Up to 4.35%APY · 6 terms
Minimum opening deposit of $50,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Option: Not Eligible | 4.00% | $198 |
| 12 monthsBump Option: Not Eligible | 4.15% | $415 |
| 24 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 4.35% | $889 |
| 36 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.50% | $1,087 |
| 48 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.50% | $1,475 |
| 60 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.50% | $1,877 |
Sources (2)
All captured Oct 15, 2026
Special 11 Month New Money CD
4.35%APY · 1 term
New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsRequires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies | 4.35% | $398 |
Sources (2)
All captured Oct 22, 2026
Certificates
Up to 4.10%APY · 6 terms
Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Option: Not Eligible | 3.80% | $188 |
| 12 monthsBump Option: Not Eligible | 3.90% | $390 |
| 24 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 4.10% | $837 |
| 36 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.30% | $1,023 |
| 48 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.30% | $1,387 |
| 60 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length | 3.30% | $1,763 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Jumbo Certificates
Up to 4.46%APY · 6 terms
Available under Traditional and Roth IRA plan types. Annual maintenance fee is $10 per plan type. Minimum deposit of $50,000. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Option: Not Eligible. Annual maintenance fee of $10 per IRA plan type | 4.05% | $200 |
| 12 monthsBump Option: Not Eligible. Annual maintenance fee of $10 per IRA plan type | 4.26% | $426 |
| 24 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 4.46% | $912 |
| 36 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.60% | $1,119 |
| 48 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.60% | $1,520 |
| 60 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.60% | $1,934 |
Sources (1)
- seattlecu.com/savings-accounts · captured Oct 22, 2026
IRA Certificates
Up to 4.31%APY · 6 terms
Available under Traditional and Roth IRA plan types. Annual maintenance fee is $10 per plan type. Minimum deposit of $1,000. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Option: Not Eligible. Annual maintenance fee of $10 per IRA plan type | 3.90% | $193 |
| 12 monthsBump Option: Not Eligible. Annual maintenance fee of $10 per IRA plan type | 4.11% | $411 |
| 24 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 4.31% | $881 |
| 36 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.51% | $1,090 |
| 48 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.51% | $1,480 |
| 60 monthsBump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length. Annual maintenance fee of $10 per IRA plan type | 3.51% | $1,883 |
Sources (1)
- seattlecu.com/savings-accounts · captured Oct 22, 2026
Who can join Seattle Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in the state of Washington.
Family and household
- Membership is open to family of eligible members.
Membership information collected October 4, 2026.