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 of 61 results in Washington
- 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.
Offer: 12 Month Fixed Rate. A penalty may be imposed for early withdrawal.
Promotional rate · 4.40% interest rate · Effective Oct 26, 2026
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More details - 4.40%APY$553 over 15 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 12-month term at 1.50% APY.
Qualified rate · 4.31% interest rate · Effective Nov 7, 2026
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More details - 4.25%APY$868 over 24 months on $10,000intro rate
Requirements
Product: Opened over the telephone or in an HSBC Wealth Center branch.
Offer: Applies to accounts opened in branch or over telephone. Initial term only. Balance min is more than $0.
Promotional rate
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More details - 4.20%APY$456 over 13 months on $10,000
Requirements
Product: Penalties may be imposed for early withdrawal.
4.11% interest rate · Effective Oct 19, 2026
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More details - 4.20%APY$637 over 18 months 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
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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 Nov 9, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Available nationwide. $1,000 minimum deposit to open. Interest is compounded daily and credited quarterly. Penalty assessed for early withdrawal: 90 days interest for terms less than or equal to 12 months, and 180 days interest for terms over 12 months.
4.07% interest rate · Compounded daily · Effective Oct 7, 2026
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More details - 4.15%APY$847 over 24 months 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.
4.07% interest rate · Compounded daily · Effective Sep 10, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty may be assessed. Not available for IRAs or Business. Promotion may be discontinued at any time.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business.
Promotional rate · 4.01% interest rate · Effective Nov 4, 2026
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More details - 4.07%APY$235 over 7 months on $10,000with conditions
Requirements
Product: Fixed rate for term. It is a 7- or 10-month term based on customer's choice. Early withdrawal penalty may apply. Compounded monthly. See Truth in Savings and Terms & Conditions brochures for details. Member FDIC.
Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly. 7-month term.
Qualified rate · 4.00% interest rate · Compounded monthly
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More details - 4.06%APY$372 over 11 months on $10,000intro rate
Requirements
Product: Available to customers age 16 or greater. Minimum opening deposit is $100.00. Account is subject to fees assessed for other banking services as applicable. Penalty may be imposed for early withdrawal. No min. deposit requirement for IRAs.
Offer: Limited-time 11 Month CD Special / Time Certificate Deposit Special. Maximum of $2.5 million per customer. Early withdrawal penalty: 3 months interest.
Promotional rate · 4.00% interest rate · Balance cap $2,500,000 · Effective Oct 15, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty may be assessed. Not available for IRAs or Business. Promotion may be discontinued at any time.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business.
Promotional rate · 3.92% interest rate · Effective Nov 4, 2026
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More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: New money only (deposits not currently held at Liberty Bank). Maximum deposit limit $250,000. Limit 1 certificate per tax identification number. Must be present to open account. Penalty for early withdrawal. Unless told otherwise in writing, account upon maturity will match terms of then current 6 month certificate of deposit.
Offer: New money only. Maximum deposit limit $250,000. Limit 1 certificate per tax identification number. Converts to 6 month CD upon maturity unless notified otherwise.
Promotional rate · Balance cap $250,000 · Effective Oct 19, 2026
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More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Interest is compounded daily and credited quarterly. Fees could reduce earnings. Penalty may be imposed for early withdrawal. Rates are for Consumer and Business accounts, not for IRA accounts. Public Funds exclusions apply.
Offer: Earn up to 4.00% APY for 19 months. Requires a minimum deposit of $1,000 to open account and earn APY.
Promotional rate · Compounded daily · Effective Oct 1, 2026
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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
398 CDs at 32 banks and credit unions · checked Oct 16–Nov 13
- Typical
- 2.15%
- Top 10% from
- 3.85%
- Banks, typical
- 2.15%
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Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Ironworkers USA Credit UnionCredit union · 2 branches