Credit union · NCUA insured
SnoCope Credit Union CD Rates
SnoCope Credit Union’s best CD rate is 3.18% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How SnoCope Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where SnoCope Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SnoCope Credit Union
3.18%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,694
Certificate Account
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
SnoCope Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.92%
- 9–15 months9–15 mo3.02%
- 16–30 months16–30 mo3.07%
- 31–60 months31–60 mo3.18%
- QualifiedQualified3.18%
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 SnoCope 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 Account
Up to 3.18%APY · 5 terms
Dividends are calculated daily and paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThe 6 and 12 month CDs allow 1 additional deposit during the term of the CD | 2.92% | $145 |
| 12 monthsThe 6 and 12 month CDs allow 1 additional deposit during the term of the CD | 3.02% | $302 |
| 24 months | 3.07% | $623 |
| 36 months | 3.12% | $966 |
| 60 months | 3.18% | $1,694 |
Sources (1)
- snocope.org/accounts/certificates-of-deposit · captured Oct 22, 2026
Bump Certificate
Up to 2.82%APY · 3 terms
Earn a great dividend rate with the added advantage of a one time rate increase if rates go up in the future. Dividends are calculated daily and paid monthly. CD early withdrawal penalty: 24 - 60 month CDs = loss of 180 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsBump Option CDs allow a single bump to the current rate during the term of the CD | 2.61% | $529 |
| 36 monthsBump Option CDs allow a single bump to the current rate during the term of the CD | 2.66% | $819 |
| 60 monthsBump Option CDs allow a single bump to the current rate during the term of the CD | 2.82% | $1,492 |
Sources (1)
- snocope.org/accounts/certificates-of-deposit · captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.02%APY · 2 terms
All IRA CDs are auto renewing. Dividends are calculated daily based on daily ending balance and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAll IRA CDs are auto renewing. IRA CD dividends are paid monthly | 2.92% | $145 |
| 12 monthsAll IRA CDs are auto renewing. IRA CD dividends are paid monthly | 3.02% | $302 |
Sources (1)
- snocope.org/accounts/individual-retirement-accounts · captured Oct 22, 2026
Youth Certificates
2.92%APY · 1 term
Ages 0 - 17. Dividends are calculated daily and paid monthly. Early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsThe Youth CD allows up to 2 deposits or monthly payroll deductions | 2.92% | $292 |
Sources (1)
- snocope.org/accounts/certificates-of-deposit · captured Oct 22, 2026
Who can join SnoCope Credit Union
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