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 31–45 results in Lacey, WA
- 2.95%APY$754 over 30 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 · 2.90% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.90%APY$290 over 1 year on $10,000
Requirements
Product: Automatic renewal available. Funds can be deposited once per term and rate can be bumped up once per term. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
Offer: Flexible 12-Month Certificate. Minimum monthly balance of $500.
2.86% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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More details - 2.50%APY
Requirements
Product: Interest is fixed for the 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.
2.47% interest rate · Compounded daily · Effective Sep 14, 2026
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More details - 2.40%APY$240 over 1 year on $10,000
Requirements
Product: 12-month term only. Minimum opening deposit is $25. Must be 18 or over. See Washington or Oregon Official Account and Price Entry Rules for full details. 7-day grace period after maturity. Not applicable for IRA. No monthly maintenance fee.
Offer: 12-month term only. Must be 18 or older.
Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.31%APY$164 over 15 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows additional investments without extending maturity date. Fixed rate for term. Early withdrawal penalty may apply.
Offer: 15 Mo. Add-On CD. Compounded monthly.
1.30% interest rate · Compounded monthly · Effective Oct 2, 2026
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More details - 1.21%APY$182 over 18 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows additional deposits and bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
Offer: 18 Mo. Add-on Bump Rate CD. Compounded monthly. Rate may change once during term.
1.20% interest rate · Compounded monthly · Effective Oct 2, 2026
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More details - 0.90%APY$458 over 60 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
Offer: 60 Mo. Bump Rate CD. Compounded monthly. Rate may change once during term.
0.90% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - America's Credit UnionShare Certificates - STANDARDCD · 48–Unknown months · $500 min
Credit union · 1 branch
0.55%APYRequirements
Product: Membership required. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
0.55% interest rate · Balance cap $24,999.99 · Effective Oct 1, 2026
Rate checked
More details - America's Credit UnionShare Certificates - FLEXCD · 48–Unknown months · $500 min
Credit union · 1 branch
0.50%APYRequirements
Product: Allows adding funds (minimum of $100 deposits) without having to wait until maturity. Rates may change after account opening. The Index is the 2 year US Treasury Bill published on the 25th day of the month; minimum dividend rate will never be less than the Performance Saver minimum dividend rate. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
0.50% interest rate · Balance cap $24,999.99 · Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 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