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 127 results in Washington
- 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 · 10 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 - 4.60%APY$618 over 16 months on $10,000
Requirements
Product: Share Certificates are automatically renewed at maturity without a grace period. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 180 days’ dividends.
4.50% interest rate · Effective Oct 28, 2026
Rate checked
More details - 4.50%APY$260 over 7 months on $10,000with conditions
Requirements
Product: Rates may change at any time after account opening. Early withdrawal penalty may apply. Eligible for Member Perks bump upon qualification and request at CD opening (must have savings and checking with debit card, eStatements, and Easy Saver). No minimum deposit to open.
Offer: 7-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program.
Qualified rate · 4.43% interest rate · Effective Sep 9, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Subject to membership eligibility and account opening requirements. $500 minimum balance required to open. Substantial penalty for early withdrawal. Fees could reduce earnings on the account. Limited time offer subject to change without notice. Redeemable at all locations.
Offer: 15-Month CD Special is only available through the close of business on 11/18/2026. $500 minimum balance required to open.
Promotional rate · Effective Oct 28, 2026
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More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
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More details - 4.49%APY$720 over 19 months on $10,000intro rate
Requirements
Offer: Special Rate
Promotional rate · 4.40% interest rate · Effective May 7, 2026
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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 - Seattle Credit UnionSpecial 11 Month New Money CDCD · 11 months · $1,000 min
Credit union · 8 branches
4.35%APY$398 over 11 months on $10,000intro rateRequirements
Product: New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. 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: Requires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies.
Promotional rate · 4.26% interest rate · Effective Oct 9, 2026
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More details - 4.30%APY$467 over 13 months on $10,000
Requirements
Product: Early withdrawal penalty may or will be imposed. Minimum deposit $500.
4.22% interest rate · Effective Oct 23, 2026
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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
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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
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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 29, 2026
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More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Special certificate offer available October 5-12, 2026. Must maintain regular share account with $5.00 par value. Additional deposits not allowed. Automatic renewal at maturity. Early withdrawal penalty: 90 days dividends for terms longer than 12 months.
Offer: 13-Month Certificate special available October 5-12, 2026. Dividends compounded and credited monthly. Early withdrawal penalty: 90 days dividends. Automatically renews. Additional deposits not allowed.
Promotional rate · 4.17% interest rate · Effective Oct 5, 2026
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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
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
567 CDs at 75 banks and credit unions · checked Oct 29–30
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Credit unions, typical
- 3.15%
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
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Firefighters First Credit UnionCredit union · 1 branch