Compare Bank & Credit Union Rates
Best CD rates in Lakewood, WA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Lakewood, WA
- 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
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
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 - 2.99%APY$452 over 18 months on $10,000
Requirements
Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to current Flex Certificate rate. One-time withdrawal allowed during term without reducing balance below $2,500 minimum. Unlimited add-on deposits. Compounded monthly. Early withdrawal penalties apply.
2.95% interest rate · Compounded monthly
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 - 2.65%APY$816 over 36 months on $10,000
Requirements
Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to the current Bump Certificate rate at the same term (not retroactive). Unlimited penalty-free deposits allowed. Compounded monthly. Early withdrawal penalties apply.
2.62% interest rate · Compounded monthly
Rate checked
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
Rate checked
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 · 1 branch
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 - 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
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 Lakewood, WA
233 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 1.51%
- Top 10% from
- 3.69%
- Banks, typical
- 0.25%
- Credit unions, typical
- 2.80%
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Seattle, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Alaska Air Group Credit UnionCredit union · 1 branch