Credit union · NCUA insured
TAPCO Credit Union CD Rates
TAPCO Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How TAPCO Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where TAPCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TAPCO Credit Union
4.00%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $434
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
TAPCO Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.85%
- 31–60 months31–60 mo2.60%
- 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 TAPCO 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.
Certificates of Deposit
Up to 4.00%APY · 6 terms
Early withdrawal penalty may or will be imposed. Minimum deposit $500.
| Term | APY · $500 and up | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.40% | 3.60% | 3.40%3.60% from $100k | $169 |
| 12 months | — | 3.45% | 3.70% | 3.45%3.70% from $100k | $345 |
| 13 months | 4.00% | — | — | 4.00% | $434 |
| 18 months | — | 2.85% | 3.00% | 2.85%3.00% from $100k | $431 |
| 24 months | — | 2.70% | 2.90% | 2.70%2.90% from $100k | $547 |
| 36 months | — | 2.60% | 2.85% | 2.60%2.85% from $100k | $800 |
Sources (2)
- tapcocu.org/personal/accounts/certificates-of-deposit
- tapcocu.org/personal/resources/rates/deposit-rates
All captured Oct 4, 2026
Special-purpose accounts
Youth CD
3.45%APY · 1 term
Available to youth ages 0 to 17 with a parent, legal guardian, or adult over the age of 18 as a joint owner. Allows adding funds during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.45% | $345 |
Sources (2)
All captured Oct 4, 2026
Who can join TAPCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington State are eligible for membership.
Family and household
- Immediate family members of a current TAPCO member are eligible for membership.
Membership information collected October 4, 2026.