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 31–45 results in Seattle, WA metro
- 3.90%APY$761 over 23 months on $10,000with conditions
Requirements
Product: Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $1,000 ($500 for minors). Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
Offer: With checking account
Qualified rate · 3.83% interest rate · Compounded monthly · Effective Oct 19, 2026
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.
Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$418 over 13 months on $10,000intro rate
Requirements
Product: Flexible terms from 3 to 60 months. Open with as little as $500. Federally insured by NCUA up to $250,000 per depositor. Dividends compounded/credited monthly. Additional deposits not allowed. Withdrawals allowed (see transaction limitations).
Offer: 13 Months Certificates CD Promotion Rate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly.
Promotional rate · 3.78% interest rate
Rate checked
More details - Cascade Federal Credit UnionMember Appreciation CertificatesCD · 10 months · $500 min
Credit union · 3 branches
3.80%APY$316 over 10 months on $10,000Requirements
Product: Only one Member Appreciation Certificate is allowed per primary member. Not eligible for the 10+ year member rate bonus. Maximum deposit of $50,000. Early withdrawal penalties apply.
Offer: Maximum $50,000. Only one Member Appreciation Certificate is allowed per primary member. Not eligible for 10+ year member rate increase.
3.75% interest rate · Balance cap $50,000 · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Automatic renewal available. Certificate-secured loans available. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
Offer: 12-Month term. Minimum monthly balance of $500.
3.69% interest rate · Effective Sep 21, 2026
Rate checked
More details - America's Credit UnionPromotional Share Certificates ($500+)CD · 12 months · $500 min
Credit union · 8 branches
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
Offer: New money only. Funds not currently held in any ACU account. Fixed for 12 months, then renews at then-current standard rate. Promotional window through November 2026.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$407 over 13 months on $10,000with conditions
Requirements
Product: Available for personal and business accounts at all Peoples Bank Branches; cannot be combined with any other offer. Not available for accounts opened online. Requires an active Peoples Bank Checking Account. Penalty may be charged for early withdrawal.
Offer: Effective for accounts opened on or after 10/01/2026. At maturity, renews into a 12-month fixed rate term at the current rate. Requires an active Peoples Bank Checking Account.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
Rate checked
More details - America's Credit UnionPromotional Share Certificates ($5,000+)CD · 18 months · $5,000 min
Credit union · 8 branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal. Maximum deposit of $250,000 per member account.
Offer: Maximum $250,000 per member account.
3.69% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Puget Sound Cooperative Credit UnionGreenUp CertificateCD · 18 months · $1,000 min
Credit union · 3 branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
3.69% interest rate · Effective Jan 5, 2026
Rate checked
More details - Puget Sound Cooperative Credit UnionMount Rainier CertificateCD · 20 months · $1,000 min
Credit union · 3 branches
3.75%APY$633 over 20 months on $10,000Requirements
Product: Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Credit Human Federal Credit UnionLiquid Share CertificateCD · 12 months · $5,000 min
Credit union · 1 branch
3.64%APY$364 over 1 year on $10,000Requirements
Product: Fixed 1-year term with $5,000 minimum deposit. Unlimited deposits allowed during the term. Two no-penalty withdrawals allowed during the term as long as minimum balance of $5,000 is maintained. Beyond two allowed withdrawals, early withdrawal penalty applies. Dividends paid monthly and calculated using daily balance method. Automatic renewal at maturity. Membership eligibility required.
Offer: Unlimited deposits and 2 penalty-free withdrawals during the 1-year term provided balance stays at or above $5,000.
3.58% interest rate · Effective Oct 16, 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 Seattle, WA metro
616 CDs at 63 banks and credit unions · checked Oct 15–22
- Typical
- 2.77%
- Top 10% from
- 3.93%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.04%
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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