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 16–26 results in Centralia, WA metro
- 3.15%APY$476 over 18 months on $10,000
Requirements
Product: Allows a penalty-free, one-time withdrawal for up to 50% of the balance during the certificate term (after the first six days). Standard penalties apply to other withdrawals.
Offer: After the first 6 days, one withdrawal of up to half of current balance without early withdrawal penalty. Standard penalty is 90 days dividends.
Effective Oct 1, 2026
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.04%APY$151 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Early withdrawal penalty may apply.
Offer: 6 Mo. CD term. Compounded monthly.
3.00% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - 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 - 2.40%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
Rate checked
More details - Great NorthWest Federal Credit UnionPlatinum Plus CertificatesCD · 24 months · $500 min
Credit union · 1 branch
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
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.31%APY$164 over 15 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows additional investments without extending maturity date. Fixed rate for term. Early withdrawal penalty may apply.
Offer: 15 Mo. Add-On CD. Compounded monthly.
1.30% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
More details - 1.21%APY$182 over 18 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows additional deposits and bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
Offer: 18 Mo. Add-on Bump Rate CD. Compounded monthly. Rate may change once during term.
1.20% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
More details - 0.90%APY$458 over 60 months on $10,000
Requirements
Product: Only available for consumer customers (not businesses/organizations). Allows bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
Offer: 60 Mo. Bump Rate CD. Compounded monthly. Rate may change once during term.
0.90% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Centralia, WA metro
171 CDs at 11 banks and credit unions · checked Oct 15–22
- Typical
- 1.50%
- Top 10% from
- 3.60%
- Banks, typical
- 0.70%
- Credit unions, typical
- 2.95%
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