Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Seattle, WA metro
- 4.40%APY$440 over 1 year on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
More details - Alaska Air Group Credit UnionShare CertificatesCD · 12 months · $500 min · 4.24%–4.33% by balance
Credit union · 1 branch
4.24%APY$424 over 1 year on $10,000Requirements
Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties may apply. No monthly service fees.
4.15% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $99,999Your amount 4.24% $100,000 and upRequires minimum opening deposit of $100,000. 4.33% Rate checked
More details - 4.17%APY$417 over 1 year on $10,000with conditions
Requirements
Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.
Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.
Offer: Interest compounded daily; early withdrawal penalties apply.
4.02% interest rate · Compounded daily · Effective Sep 10, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 6 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.05%APY$405 over 1 year on $10,000intro rate
Requirements
Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.
Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 20, 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%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).
Qualified rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 12–17 months · $500 min
Credit union · 1 branch
3.95%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
Offer: Bump Option: Not Eligible.
3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.80%APYwith conditions
Requirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.74% interest rate
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 1-year CDs pay in Seattle, WA metro
88 CDs at 61 banks and credit unions · checked Oct 15–22
- Typical
- 3.04%
- Top 10% from
- 4.05%
- Banks, typical
- 2.85%
- Credit unions, typical
- 3.30%
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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