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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 16–30 results in Washington
- 4.25%APY$461 over 13 months on $10,000with conditions
Requirements
Product: Promotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo.
Offer: Promotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo.
Qualified rate · 4.17% interest rate
Rate checked
More details - 4.25%APY$498 over 14 months on $10,000
Requirements
Product: Share Certificates are automatically renewed at maturity without a grace period. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 180 days’ dividends.
4.16% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.25%APY$607 over 17 months on $10,000
Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Offer: Requires a Numerica Checking account. Limited-time offer ending October 31, 2026.
Rate checked
More details - 4.25%APY$906 over 25 months on $10,000
Requirements
Product: Available to Verity Credit Union members only. Non-members must establish a Prime Share savings membership account ($5 membership fee required to join). Early withdrawal penalty applies: 90 days interest for terms of 365 days or less; 180 days interest for terms over 365 days. No minimum balance required to open a certificate. Standard certificates allow additional deposits only during the first 10 days; Savers Certificates allow additional deposits at any time. At maturity, promotional-term certificates (13, 19, 25 months) automatically renew into standard-term certificates of the next shorter standard term (12, 18, 24 months) at the prevailing standard rate.
Offer: Promotional CD special. Automatically renews at maturity to a 24-month certificate at standard rate.
4.17% interest rate
Rate checked
More details - Alaska Air Group Credit UnionShare CertificatesCD · 12 months · $500 min · 4.24%–4.33% by balance
Credit union · 1 branch
4.24%APY$424 over 1 year on $10,000Requirements
Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties may apply. No monthly service fees.
4.15% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $99,999Your amount 4.24% $100,000 and upRequires minimum opening deposit of $100,000. 4.33% Rate checked
More details - 4.20%APY$456 over 13 months on $10,000
Requirements
Product: Penalties may be imposed for early withdrawal.
4.11% interest rate · Effective Oct 19, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000intro rate
Requirements
Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.
Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 20, 2026
Rate checked
More details - Potlatch No 1 Financial Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · 8 branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: Available to members who live or work in 19 counties in Idaho, 8 counties in Oregon, and the entire state of Washington. Dividends paid quarterly. APY assumes dividends remain on deposit until maturity. Early withdrawal penalty applies: 90 days' dividends for terms under 1 year and 180 days' dividends for terms 1 year or longer. 10-day grace period at maturity.
Offer: Minimum average daily balance of $500.00 required to obtain APY.
4.14% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.17%APY$417 over 1 year on $10,000with conditions
Requirements
Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.
Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
Rate checked
More details - Cascade Federal Credit Union14-Month Certificate SpecialCD · 14 months · $1,000 min
Credit union · 4 branches
4.15%APY$486 over 14 months on $10,000intro rateRequirements
Product: Offer available October 1 - November 20, 2026. Special certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate. Fees may reduce earnings. Early withdrawal penalties apply.
Offer: Special certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate.
Promotional rate · 4.09% interest rate · Effective Oct 14, 2026
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More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Fixed rates with dividends compounded and credited monthly. Zero fees.
Offer: Special Rate!
4.07% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.15%APY$847 over 24 months on $10,000
Requirements
Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.
Offer: Interest compounded daily; early withdrawal penalties apply.
4.07% interest rate · Compounded daily · Effective Sep 10, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
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.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
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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 Washington
948 CDs at 109 banks and credit unions · checked Oct 15–22
- Typical
- 2.90%
- Top 10% from
- 4.00%
- Banks, typical
- 2.15%
- Credit unions, typical
- 3.10%
Is your bank paying you enough?
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Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 8 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 2 branches