Compare Bank & Credit Union Rates
Best CD rates in Lacey, WA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lacey, WA
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000intro rate
Requirements
Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.
Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 20, 2026
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More details - 4.17%APY$417 over 1 year on $10,000with conditions
Requirements
Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.
Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 3.90%APY$161 over 5 months on $10,000intro rate
Requirements
Product: Fixed rate for a 5-month term. Early withdrawal penalty may apply.
Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.
Promotional rate · 3.83% interest rate · Compounded monthly · Effective Sep 8, 2026
Rate checked
More details - 3.90%APY$291 over 9 months on $10,000intro rate
Requirements
Product: Fixed rate for a 9-month term. Early withdrawal penalty may apply.
Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.
Promotional rate · 3.83% interest rate · Compounded monthly · Effective Oct 9, 2026
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More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.
Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.
Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Automatic renewal available. Certificate-secured loans available. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
Offer: 12-Month term. Minimum monthly balance of $500.
3.69% interest rate · Effective Sep 21, 2026
Rate checked
More details - America's Credit UnionPromotional Share Certificates ($500+)CD · 12 months · $500 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
Offer: New money only. Funds not currently held in any ACU account. Fixed for 12 months, then renews at then-current standard rate. Promotional window through November 2026.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
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More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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More details - America's Credit UnionPromotional Share Certificates ($5,000+)CD · 18 months · $5,000 min
Credit union · 1 branch
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal. Maximum deposit of $250,000 per member account.
Offer: Maximum $250,000 per member account.
3.69% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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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 CDs pay in Lacey, WA
266 CDs at 18 banks and credit unions · checked Oct 6–22
- Typical
- 1.51%
- Top 10% from
- 3.75%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.95%
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Find your bank or credit union to see all its rates and how they compare near you.
Olympia, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America's Credit UnionCredit union · 4 branches
- Navy Federal Credit UnionCredit union · 1 branch
- Our Community CUCredit union · 1 branch