Bank · FDIC insured
Washington State Bank Savings Rates
Washington State Bank’s best savings rate is 0.30% APY on $10,000, with its Tiered MMDA. Rates checked October 16, 2026.
How Washington State Bank’s savings rates compare
Compared with banks and credit unions near Iowa City, IA, where Washington State Bank has the most branches. $10,000, best rate first.
This bank’s best
Washington State Bank
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Tiered MMDA
Top rate
Collins Community Credit Union
3.05%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
2nd-highest rate
Dupaco Community Credit Union
2.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $225
Washington State Bank savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.30%
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 Washington State 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.
Elite Money Market Account
Up to 3.25%APY
Opening $20,000 deposit must be new money (funds not currently on deposit at Washington State Bank) or funds from a Washington State Bank Certificate of Deposit. Must maintain a minimum balance of $20,000 each day to obtain disclosed APY. If account falls below $20,000 any day of the monthly statement cycle, a service charge of $10.00 plus sales tax is imposed. $5 monthly paper statement fee applies if not enrolled in eStatements. Bank reserves the right to deny deposits over $2,000,000. Limit one Elite Money Market account per customer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20,000 and upCompounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. | 2.25% | — | Compounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. |
| $100,000 and upCompounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. | 2.50% | — | Compounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. |
| $250,000 and upCompounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. | 2.75% | — | Compounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. |
| $500,000 and upCompounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. | 3.00% | — | Compounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. |
| $1,000,000 and upCompounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. | 3.25% | — | Compounded and credited monthly. Opening deposit must be new money or funds from a Washington State Bank CD. $10.00 monthly fee plus sales tax if balance falls below $20,000 any day of the monthly statement cycle. $5 monthly paper statement fee if not enrolled in eStatements. |
Sources (2)
All captured Oct 5, 2026
Tiered MMDA
0.30%APY
Compounded monthly. The annual percentage yield may change at any time, at our discretion, after the account has been opened. Additional restrictions and fees may apply. Fees charged may reduce the earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and upCompounded monthly. Variable rate. | 0.30% | $30 | Compounded monthly. Variable rate. |
| $75,000 and upCompounded monthly. Variable rate. | 0.50% | — | Compounded monthly. Variable rate. |
| $250,000 and upCompounded monthly. Variable rate. | 1.00% | — | Compounded monthly. Variable rate. |
Sources (1)
- washsb.com/current-rates · captured Oct 5, 2026
Statement Savings
0.25%APY
Interest compounded and credited quarterly. Transfers limited to 18 per quarterly statement cycle ($0.75 per excess debit). $3.00 monthly service charge if balance falls below $100 on any day.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly compounding. Service charge of $3.00 imposed if balance falls below $100.00 on any day of the statement cycle.$100 and up | 0.25% | $25 | Quarterly compounding. Service charge of $3.00 imposed if balance falls below $100.00 on any day of the statement cycle. |
Special-purpose accounts
IRA
3.50%APY
Interest compounded and credited quarterly. Account maintenance is no charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upCompounded and credited quarterly. Rate may change quarterly at bank discretion.$200 and up | 3.50% | $350 | Compounded and credited quarterly. Rate may change quarterly at bank discretion. |
HSA
0.40%APY
Health Savings Account. Interest compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upCompounded and credited quarterly. Rate may change quarterly at bank discretion.$200 and up | 0.40% | $40 | Compounded and credited quarterly. Rate may change quarterly at bank discretion. |
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.