Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 94 results in Washington
- 4.38%APY$438 over 1 year on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
4.30% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Rates listed apply to member depositors only.
Offer: Rates listed apply to member depositors only.
Effective Oct 29, 2026
Rate checked
More details - Alaska Air Group Credit UnionShare CertificatesCD · 12 months · $500 min · 4.24%–4.33% by balance
Credit union · 1 branch
4.24%APY$424 over 1 year on $10,000Requirements
Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties may apply. No monthly service fees.
4.15% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $99,999Your amount 4.24% $100,000 and upRequires minimum opening deposit of $100,000. 4.33% Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.09% interest rate
Rate checked
More details - Ironworkers USA Credit UnionShort-Term CertificateCD · 12 months · $100 min
Credit union · 2 branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.
3.99% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Tax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).
Effective Oct 30, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Compounded and paid monthly. Federally insured up to $250,000 by NCUA. Early withdrawal penalties may apply. Terms range from 6 to 60 months.
Offer: Compounded/Paid Monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2025
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).
Qualified rate · 3.93% interest rate · Effective Oct 24, 2026
Rate checked
More details - 4.00%APYwith conditions
Requirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.93% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Effective Oct 19, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Allows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 120 days dividends.
3.94% interest rate
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 12–17 months · $500 min
Credit union · 1 branch
3.95%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.88% interest rate · Effective Oct 30, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Effective as of October 29th, 2026. $1,000 minimum deposit to open a CD. All rates are subject to change without notice. APY* – Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to bump their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Offer: Effective as of October 29th, 2026. Minimum deposit $1,000.
3.83% interest rate · Effective Oct 29, 2026
Rate checked
More details - Potlatch No 1 Financial Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 8 branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Available to members who live or work in 19 counties in Idaho, 8 counties in Oregon, and the entire state of Washington. Dividends paid quarterly. APY assumes dividends remain on deposit until maturity. Early withdrawal penalty applies: 90 days' dividends for terms under 1 year and 180 days' dividends for terms 1 year or longer. 10-day grace period at maturity.
Offer: Minimum average daily balance of $500.00 required to obtain APY.
3.84% interest rate · Effective Sep 22, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Washington
95 CDs at 74 banks and credit unions · checked Oct 29–30
- Typical
- 3.45%
- Top 10% from
- 4.00%
- Credit unions, typical
- 3.45%
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Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Firefighters First Credit UnionCredit union · 1 branch