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 Olympia, WA
- 2.90%APY$290 over 1 year on $10,000
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.
2.86% interest rate · Effective Sep 21, 2026
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More details - Bank of the PacificConsumer Certificate of DepositCD · 9–12 months · $500 min · 2.79%–3.56% by balance
Bank · 1 branch
2.79%APYRequirements
Product: Early withdrawal penalty may be imposed.
2.75% interest rate
Rate by balance
Rate by balance for Consumer Certificate of Deposit Balance APY $500 – $24,999Your amount 2.79% $25,000 – $49,999 2.79% $50,000 – $99,999 3.05% $100,000 – $249,999 3.56% $250,000 and up 3.56% Rate checked
More details - 2.65%APY$816 over 36 months on $10,000
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.
2.62% interest rate · Compounded monthly
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More details - 2.50%APY
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.
2.47% interest rate · Compounded daily · Effective Sep 14, 2026
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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
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More details - evergreenDIRECT Credit UnionSave to Win Share CertificateCD · 12 months · $25 min
Credit union · 1 branch
2.25%APY$225 over 1 year on $10,000Requirements
Product: Open to credit union members at least 18 years old. Limited to 1 account per member. Eligible for cash prize drawings with raffle entries based on monthly deposit increases of $25. Automatically renews if balance is greater than $25.00.
Offer: Tier listed as $25 - $50,000+; minimum opening deposit is $25 and a minimum balance of $25 must be maintained.
2.22% interest rate · Effective Mar 1, 2026
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More details - 2.25%APY$225 over 1 year on $10,000
Requirements
Product: Must be a Credit Union member and maintain par value of one share ($5.00) in savings. Dividends calculated by daily balance method. Minimum opening deposit $1,000. Early withdrawal penalties apply based on term.
2.22% interest rate · Effective Mar 1, 2026
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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
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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
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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
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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
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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 Olympia, WA
276 CDs at 20 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 3.53%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.92%
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Find your bank or credit union to see all its rates and how they compare near you.
Olympia, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America's Credit UnionCredit union · 4 branches
- Navy Federal Credit UnionCredit union · 1 branch
- Our Community CUCredit union · 1 branch