Compare Bank & Credit Union Rates
Best CD rates in Washington
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 151–165 results in Washington
- 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 - 2.90%APY$290 over 1 year on $10,000intro rate
Requirements
Product: Allows for a dividend rate adjustment to a new fixed dividend rate based on the rate currently offered for this specific product term one time during the original term.
Offer: Allows a one-time rate adjustment during the term.
Promotional rate · Effective Oct 4, 2026
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More details - 2.82%APY$1,492 over 60 months on $10,000
Requirements
Product: Earn a great dividend rate with the added advantage of a one time rate increase if rates go up in the future. Dividends are calculated daily and paid monthly. CD early withdrawal penalty: 24 - 60 month CDs = loss of 180 days dividends.
Offer: Bump Option CDs allow a single bump to the current rate during the term of the CD.
2.78% interest rate · Effective Oct 22, 2026
Rate checked
More details - Bank of the PacificConsumer Certificate of DepositCD · 9–12 months · $500 min · 2.79%–3.56% by balance
Bank · 15 branches
2.79%APYRequirements
Product: Early withdrawal penalty may be imposed.
2.75% interest rate
Rate by balance
Rate by balance for Consumer Certificate of Deposit Balance APY $500 – $24,999Your amount 2.79% $25,000 – $49,999 2.79% $50,000 – $99,999 3.05% $100,000 – $249,999 3.56% $250,000 and up 3.56% Rate checked
More details - OnPoint Community Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · 8 branches
2.75%APY$1,453 over 60 months on $10,000Requirements
Product: Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits permitted for 3, 6, 12, 18, or 24 month terms ($100 minimum). Minors under 18 have $100 minimum balance requirement.
Offer: With OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date).
2.72% interest rate · Effective Oct 15, 2026
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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
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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$250 over 1 year on $10,000
Requirements
Product: Interest compounds daily. Penalties may be imposed on early withdrawal.
2.47% interest rate · Effective Oct 19, 2026
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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 - People's Community Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · 5 branches
2.50%APY$769 over 36 months on $10,000Requirements
Offer: Dividends compounded and credited monthly
2.47% interest rate · Effective Jan 1, 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
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More details - 2.30%APY$1,204 over 60 months on $10,000
Requirements
Product: Fixed interest rates tiered based on balance. Penalty may be imposed for early withdrawal.
Offer: Tier: Less than $25,000.
2.27% interest rate · Effective Oct 1, 2026
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More details - 2.27%APY$459 over 24 months on $10,000
Requirements
Product: Gives a one-time option to adjust/bump up your interest rate higher if 24-month CD rates rise during the term without assessing penalties, disturbing previous earnings, or extending maturity date. Available to customers age 16 or greater. CD automatically renews unless notified.
Offer: No monthly fee. Early withdrawal penalty: 6 months interest.
2.25% interest rate · Effective Oct 15, 2026
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More details - Great NorthWest Federal Credit UnionPlatinum Plus CertificatesCD · 24 months · $500 min
Credit union · 5 branches
2.26%APY$457 over 24 months on $10,000with conditionsRequirements
Product: Platinum CD rates apply to account holders who qualify and have a Platinum Plus Checking account.
Offer: Requires qualifying Platinum Plus Checking account.
Qualified rate · 2.24% interest rate · Effective Oct 15, 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 Washington
948 CDs at 109 banks and credit unions · checked Oct 15–23
- Typical
- 2.90%
- Top 10% from
- 4.00%
- Banks, typical
- 2.15%
- Credit unions, typical
- 3.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 8 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 2 branches