Compare Bank & Credit Union Rates
Best CD rates in Spokane Valley, WA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Spokane Valley, WA
- 4.75%APY$973 over 24 months on $10,000
Requirements
Product: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.
4.67% interest rate · Effective Oct 13, 2026
Rate checked
More details - Horizon Credit Union15 Month CertificateCD · 15 months · 4.44%–4.70% by balance
Credit union · 3 branches
4.70%APY$591 over 15 months on $10,000with conditionsRequirements
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.
Offer: With .25% Bonus with Direct Deposit of $200.00 or more to an active Horizon Checking or Savings account.
Qualified rate · 4.60% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for 15 Month Certificate Balance APY Any balanceYour amount 4.70% $25,000 – $100,000 4.44% $100,000 and up 4.44% Rate checked
More details - 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 - 4.30%APY$2,343 over 60 months 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.
4.23% interest rate
Rate checked
More details - 4.26%APY$1,099 over 30 months on $10,000
Requirements
Product: Minimum deposit of $2,000 required. No monthly fees. Dividends compound monthly. Penalty for early withdrawal.
Effective Oct 20, 2026
Rate checked
More details - 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 - 4.25%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 15, 2026
Rate checked
More details - 4.25%APY$607 over 17 months on $10,000
Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Offer: Requires a Numerica Checking account. Limited-time offer ending October 31, 2026.
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Fixed rates with dividends compounded and credited monthly. Zero fees.
Offer: Special Rate!
4.07% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.05%APY$405 over 1 year on $10,000
Requirements
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%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
Rate checked
More details - 3.98%APY$500 over 15 months on $10,000
Requirements
Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
Offer: Valid for opening accounts online.
3.90% interest rate · Effective Oct 4, 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 - 3.61%APY$735 over 24 months 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.
3.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months 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.
3.55% interest rate · Effective Sep 28, 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 Spokane Valley, WA
225 CDs at 18 banks and credit unions · checked Oct 4–22
- Typical
- 1.50%
- Top 10% from
- 4.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Spokane, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 6 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 1 branch