Best CD rates and certificates

Requirements

Product: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.

Requirements

Product: New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.

Offer: Requires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.

Offer: Bump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length.

Requirements

Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Compounded and credited monthly. Early withdrawal penalties apply. Unlimited add-on deposits available during the term.

Offer: Promotional certificate. Limited time offer. At maturity, rolls into a new 12-month certificate. Unlimited add-on deposits not available.

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.

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.

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.

Requirements

Product: Offer only available to consumer accounts for a limited time only; business accounts are not eligible. Minimum balance $1,000. At maturity, unless directed otherwise during the 10-day grace period, the 13-month promotional certificate will renew into a standard 12-month certificate. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not eligible for Salal Rewards Points. Salal Credit Union membership required.

Offer: Promotional rate. Renews into a standard 12-month certificate at maturity unless directed otherwise during 10-day grace period. Early withdrawal penalty may apply. Not eligible for Salal Rewards Points.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Bump option can only be exercised once during the term of the Certificate and does not extend the term of the certificate. The new interest rate will not be applied retroactively and will be the rate offered on regular certificates with the same term and minimum balance. Minimum balance to open is $500. Early withdrawal penalties apply.

Requirements

Product: $1,000 minimum opening balance. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. At any time during the term of the 12- and 24-month certificates, the member may make a one-time election to adjust the rate to a new, fixed rate based on the rate currently offered for 12- and 24-month certificates. Redeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase on select CDs. Note: Rewards points cannot be used for Youth certificates or promotional rate CDs. Salal Credit Union membership required.

Offer: Member may make a one-time election at any time during term to adjust the rate to a new fixed rate based on currently offered 24-month certificate rate.