Best CD rates and certificates

Requirements

Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to current Flex Certificate rate. One-time withdrawal allowed during term without reducing balance below $2,500 minimum. Unlimited add-on deposits. Compounded monthly. Early withdrawal penalties apply.

Requirements

Product: Gives a one-time option to increase dividend rate if rates go up. Allows a one-time additional deposit or withdrawal during the term (limits apply). Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).

Offer: One-time option to increase dividend rate if rates rise; one-time additional deposit or withdrawal permitted during term subject to limits.

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.

Requirements

Product: Automatic renewal available. Funds can be deposited once per term and rate can be bumped up once per term. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.

Offer: Flexible 12-Month Certificate. Minimum monthly balance of $500.

Requirements

Product: Allows for a dividend rate adjustment to a new fixed dividend rate based on the rate currently offered for this specific product term one time during the original term.

Offer: Allows a one-time rate adjustment during the term.

Requirements

Product: Earn a great dividend rate with the added advantage of a one time rate increase if rates go up in the future. Dividends are calculated daily and paid monthly. CD early withdrawal penalty: 24 - 60 month CDs = loss of 180 days dividends.

Offer: Bump Option CDs allow a single bump to the current rate during the term of the CD.

Requirements

Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to the current Bump Certificate rate at the same term (not retroactive). Unlimited penalty-free deposits allowed. Compounded monthly. Early withdrawal penalties apply.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Product: Interest is fixed for the disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

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.

Requirements

Product: Fixed interest rates tiered based on balance. Penalty may be imposed for early withdrawal.

Offer: Tier: Less than $25,000.

Requirements

Product: No monthly service fees. Customizable terms available.

Requirements

Product: All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. 12 and 24 Month Certificates have a bump feature that allows for one bump in interest rate during the term of the CD (promotional rates excluded). Rates effective as of 05/27/2026.

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.