Bank · FDIC insured
WaFd Bank Savings Rates
WaFd Bank’s best savings rate is 3.82% APY on $10,000, with its Money Market Online Special. Rates checked October 22, 2026.
How WaFd Bank’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where WaFd Bank has the most branches. $10,000, best rate first.
This bank’s best
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Money Market Online Special
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
WaFd Bank savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0001.25%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.25%
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 WaFd Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Start Savings
0.10%APY
Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open. | 5.00% | — | Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open. |
| $500 – $1,000Tier 2 blended rate for balances $500.01 to $1,000. Requires an active checking account to open. | 2.50% | — | Tier 2 blended rate for balances $500.01 to $1,000. Requires an active checking account to open. |
| $1,000 and upTier 3 blended rate for balances $1,000 and above. Requires an active checking account to open. | 0.10% | $10 | Tier 3 blended rate for balances $1,000 and above. Requires an active checking account to open. |
Money Market Online Special
3.82%APY
Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum opening deposit. No monthly account service charge.Over $0 | 3.82% | $382 | No minimum opening deposit. No monthly account service charge. |
Sources (1)
- wafdbank.com/documents/money-m…l-fee-and-rate-sheet.pdf · captured Oct 15, 2026
High Yield Money Market
1.25%APY
Promotion may be discontinued at any time. Not available for IRAs or business clients.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $89,999$1,000 minimum balance to avoid $10 monthly service charge. | 1.25% | $125 | $1,000 minimum balance to avoid $10 monthly service charge. |
| $90,000 – $249,999$1,000 minimum balance to avoid $10 monthly service charge. | 1.50% | — | $1,000 minimum balance to avoid $10 monthly service charge. |
| $250,000 – $499,999$1,000 minimum balance to avoid $10 monthly service charge. | 1.60% | — | $1,000 minimum balance to avoid $10 monthly service charge. |
| $500,000 and up$1,000 minimum balance to avoid $10 monthly service charge. | 2.00% | — | $1,000 minimum balance to avoid $10 monthly service charge. |
Sources (2)
All captured Oct 15, 2026
Money Market
0.15%APY
Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $14,999$1,000 minimum balance to earn interest and avoid $10 monthly service charge. | 0.15% | $15 | $1,000 minimum balance to earn interest and avoid $10 monthly service charge. |
| $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. | 0.20% | — | $1,000 minimum balance to avoid $10 monthly service charge. |
Sources (3)
- wafdbank.com/personal-banking/account-fees
- wafdbank.com/personal-banking/interest-rates
- wafdbank.com/personal-banking/savings-account
All captured Oct 15, 2026
Special-purpose accounts
Save at School Savings
1.01%APY
Only available to elementary school aged minors part of an active Save at School program. Accounts must be opened in person with a parent or legal guardian at a branch or school on designated Bank Days or presentation days. Bank adds $5 with initial deposit. Cash deposits up to $20 on Bank Days. Maximum account balance limited to $2,000 monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Earns 1% interest with no fees and no minimum balance to earn interest. Initial deposit is $5 (or $10 per program overview); bank matches $5. Maximum monthly balance limited to $2,000.Up to $2,000 | 1.01% | — | Earns 1% interest with no fees and no minimum balance to earn interest. Initial deposit is $5 (or $10 per program overview); bank matches $5. Maximum monthly balance limited to $2,000. |
Sources (2)
All captured Oct 4, 2026
Minor Savings
1.00%APY
Savings account for minors under age 18, managed by an adult. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAvailable to minors under age 18. Minimum balance of $10 to earn interest.$10 and up | 1.00% | $100 | Available to minors under age 18. Minimum balance of $10 to earn interest. |
Sources (3)
- wafdbank.com/personal-banking/account-fees
- wafdbank.com/personal-banking/interest-rates
- wafdbank.com/rates
All captured Oct 4, 2026
Savings
0.10%APY
Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.$100 and up | 0.10% | $10 | Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more. |
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.