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 76–90 results in Washington
- 3.68%APY$368 over 1 year on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).
Offer: Early withdrawal penalty: dividends since issuance/renewal or 120 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.
3.61% interest rate · Effective Oct 22, 2026
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More details - Responders Emergency Services Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,0003.60% interest rate · Effective Sep 24, 2026
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More details - Unitus Community Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: $500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.
3.59% interest rate · Effective Sep 1, 2026
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More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Rates fixed for the term of certificate (excluding bump rate). Minimum opening balance is $500, or $100 for members 0-23 years of age. Dividends compounded and credited quarterly.
Offer: Minimum balance $500 ($100 for members 0-23 years of age).
3.60% interest rate · Effective Sep 1, 2026
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More details - Credit Human Federal Credit UnionLiquid Share CertificateCD · 12 months · $5,000 min
Credit union · 1 branch
3.64%APY$364 over 1 year on $10,000Requirements
Product: Fixed 1-year term with $5,000 minimum deposit. Unlimited deposits allowed during the term. Two no-penalty withdrawals allowed during the term as long as minimum balance of $5,000 is maintained. Beyond two allowed withdrawals, early withdrawal penalty applies. Dividends paid monthly and calculated using daily balance method. Automatic renewal at maturity. Membership eligibility required.
Offer: Unlimited deposits and 2 penalty-free withdrawals during the 1-year term provided balance stays at or above $5,000.
3.58% interest rate · Effective Oct 16, 2026
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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
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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
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More details - 3.60%APY$89 over 3 months on $10,000
Requirements
Product: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.54% interest rate · Effective Feb 2, 2026
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More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Allows unlimited additional deposits during the certificate term. $50 minimum opening balance. Early withdrawal penalty applies. Not available for business or IRA accounts.
Offer: Early withdrawal penalty of 90 days' dividends. Allows add-on deposits. ($50 minimum opening balance).
3.55% interest rate · Effective Oct 16, 2026
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More details - 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
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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
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More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may apply.
Effective Oct 4, 2026
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More details - 3.56%APY$266 over 9 months on $10,000with conditions
Requirements
Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.
Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.
Qualified rate · Compounded daily · Effective May 1, 2026
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More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500. Dividends are compounded and credited monthly. Penalty applies for early withdrawal.
3.50% interest rate · Effective Sep 1, 2026
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More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Offer: Dividends compounded and credited monthly; dividend period monthly.
3.50% interest rate · Effective Jan 5, 2025
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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 15–22
- Typical
- 2.90%
- Top 10% from
- 4.00%
- Banks, typical
- 2.15%
- Credit unions, typical
- 3.10%
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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