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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–22 results in Oak Harbor, WA metro
- 1.80%APY$180 over 1 year on $10,000
Requirements
Product: Term: 12 months. Ability to add to account with a minimum of $50, or as little as $25 with a recurring transfer from a Peoples Bank checking or savings account. Penalty may be imposed for early withdrawal.
1.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
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 - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.14%APY$28 over 24 months on $10,000
Requirements
Product: No setup or maintenance fees. Simple interest calculated on ledger balance; paid and compounded monthly, quarterly, semi-annually, or at maturity. Automatic renewal.
Offer: Below $15,000.00. Minimum balance to maintain to obtain APY is $0.01.
0.14% interest rate · Compounded monthly · Effective Oct 1, 2024
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 Oak Harbor, WA metro
163 CDs at 10 banks and credit unions · checked Oct 6–22
- Typical
- 1.01%
- Top 10% from
- 3.75%
- Banks, typical
- 0.40%
- Credit unions, typical
- 2.90%
Is your bank paying you enough?
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Oak Harbor, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 2 branches