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 16–30 results in Lacey, WA
- 3.60%APY$208 over 7 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 · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.60%APY$269 over 9 months on $10,000
Requirements
Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.
3.54% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000intro rate
Requirements
Product: Subject to membership eligibility and account opening requirements. $500 minimum balance required to open. Substantial penalty for early withdrawal. Fees could reduce earnings on the account. Limited time offer subject to change without notice. Redeemable at all locations.
Offer: $500 minimum balance required to open.
Promotional rate · Effective Oct 14, 2026
Rate checked
More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.40%APY
Requirements
Product: Additions allowed up to the original opening balance in minimum amounts of $500. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.
3.34% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: 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.
Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$358 over 13 months on $10,000
Requirements
Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.
3.25% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: 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.
Offer: Dividends 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.
Effective Oct 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.15%APY$476 over 18 months on $10,000
Requirements
Product: 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.
Offer: After the first 6 days, one withdrawal of up to half of current balance without early withdrawal penalty. Standard penalty is 90 days dividends.
Effective Oct 1, 2026
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.04%APY$151 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Early withdrawal penalty may apply.
Offer: 6 Mo. CD term. Compounded monthly.
3.00% interest rate · Compounded monthly · Effective Oct 9, 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%
Is your bank paying you enough?
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