Credit union · NCUA insured
WSECU CD Rates
WSECU’s best CD rate is 3.30% APY on a 1-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How WSECU’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where WSECU has the most branches. $10,000, best rate first.
This credit union’s best
WSECU
3.30%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $330
Share Certificates
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
WSECU CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo2.64%
- QualifiedQualified3.30%
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 WSECU 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.
Share Certificates
Up to 3.30%APY · 6 terms
Terms range from 6 to 84 months. Dividends compounded and credited monthly. Zero fees; early withdrawal penalties apply (90 days dividends for 6-60 months, 365 days for 84 months). Additional deposits only during 10-day grace period and maturity.
| Term | APY · Any balance | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | — | 3.30% | 3.30% | $330 |
| 24 months | 3.10% | — | 3.10% | $630 |
| 36 months | — | 2.64% | 2.64% | $813 |
| 48 months | — | 2.50% | 2.50% | $1,038 |
| 60 months | — | 2.50% | 2.50% | $1,314 |
| 84 months | — | 2.50% | 2.50% | $1,887 |
Sources (2)
- wsecu.org/checking-and-savings/share-certificates
- wsecu.org/resources/certificate-rate-and-fee-schedule
All captured Oct 4, 2026
6-Month Add-On Certificate
3.25%APY · 1 term
Unlimited additional deposits throughout the term up to an aggregate maximum of $5 million per primary account holder SSN or business Tax ID. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited monthly; calculated by Average Daily Balance method. Early withdrawal penalty is 90 days of dividends. Unlimited additional deposits up to aggregate maximum of $5,000,000 | 3.25% | $161 |
Sources (2)
- wsecu.org/checking-and-savings/share-certificates
- wsecu.org/resources/certificate-rate-and-fee-schedule
All captured Oct 4, 2026
18-Month Flex-Withdrawal Certificate
3.15%APY · 1 term
Allows a penalty-free, one-time withdrawal for up to 50% of the balance during the certificate term (after the first six days). Standard penalties apply to other withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAfter the first 6 days, one withdrawal of up to half of current balance without early withdrawal penalty. Standard penalty is 90 days dividends | 3.15% | $476 |
Sources (2)
- wsecu.org/checking-and-savings/share-certificates
- wsecu.org/resources/certificate-rate-and-fee-schedule
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.30%APY · 10 terms
Consumer accounts only. Traditional/Roth/SEP IRA certificates. Dividends compounded and credited monthly. Early withdrawal penalties apply (90 days dividends for 6-60 months, 365 days for 84 months) except for annual required minimum distribution.
| Term | APY · Any balance | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.25% | — | 3.25% | $161 |
| 7 monthsNo longer offered | — | 2.75% | 2.75% | $160 |
| 12 monthsMinimum opening deposit $250 | — | 3.30% | 3.30% | $330 |
| 13 monthsMinimum opening deposit $250 | — | 2.50% | 2.50% | $271 |
| 18 months | — | 3.15% | 3.15% | $476 |
| 24 months | — | 3.10% | 3.10% | $630 |
| 36 months | — | 2.64% | 2.64% | $813 |
| 48 months | — | 2.50% | 2.50% | $1,038 |
| 60 months | — | 2.50% | 2.50% | $1,314 |
| 84 months | — | 2.50% | 2.50% | $1,887 |
Sources (1)
- wsecu.org/resources/certificate-rate-and-fee-schedule · captured Oct 4, 2026
Who can join WSECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible for membership.
Military, government and schools
- Students at Central Washington University (CWU), The Evergreen State College, University of Washington (UW), or Washington State University (WSU) are eligible for membership.
Family and household
- Anyone related to someone who is eligible for membership is eligible to join.
Membership information collected October 4, 2026.