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 Washington
- Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 13 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$621 over 18 months on $10,000
Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Early withdrawal penalty is 120 days dividends.
4.04% interest rate
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
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.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.06%APY$372 over 11 months on $10,000intro rate
Requirements
Product: Available to customers age 16 or greater. Minimum opening deposit is $100.00. Account is subject to fees assessed for other banking services as applicable. Penalty may be imposed for early withdrawal.
Offer: Limited-time 11 Month CD Special / Time Certificate Deposit Special. Maximum of $2.5 million per customer. Early withdrawal penalty: 3 months interest.
Promotional rate · 4.00% interest rate · Balance cap $2,500,000
Rate checked
More details - Ironworkers USA Credit UnionShort-Term CertificateCD · 12 months · $100 min
Credit union · 2 branches
4.05%APY$405 over 1 year on $10,000Requirements
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.
3.99% interest rate · Effective Oct 13, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 120 months · $500 min
Credit union · 1 branch
4.05%APY$4,874 over 120 months on $10,000Requirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.98% interest rate · Effective Oct 16, 2026
Rate checked
More details - People's Community Federal Credit UnionCertificate SpecialsCD · 4 months · $500 min
Credit union · 5 branches
4.00%APY$132 over 4 months on $10,000intro rateRequirements
Product: Individual Retirement Accounts (IRA's) are not eligible for 4-month and 9-month specials.
Offer: Monthly Dividend Compounded & Credited. Rolls into 3-month certificate at maturity. Not eligible for IRAs.
Promotional rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: New money only (deposits not currently held at Liberty Bank). Maximum deposit limit $250,000. Limit 1 certificate per tax identification number. Must be present to open account. Penalty for early withdrawal. Unless told otherwise in writing, account upon maturity will match terms of then current 6 month certificate of deposit.
Offer: New money only. Maximum deposit limit $250,000. Limit 1 certificate per tax identification number. Converts to 6 month CD upon maturity unless notified otherwise.
Promotional rate · Balance cap $250,000 · Effective Oct 19, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Certificate account rates are fixed for the length of the term and determined by opening dollar amount. Minimum opening balance is $1,000 for members 19 and older ($100 for members 18 and younger). Deposits federally insured to $250,000 by NCUA.
Offer: Limited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU; $100 for Youth Certificates). Maximum deposit is $250,000 per member. Certificate is non-renewable.
3.93% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends compounded/paid monthly. Early withdrawal penalties may apply. Federally insured by NCUA to $250,000.
Offer: Compounded/Paid Monthly
3.92% interest rate · Effective Sep 24, 2025
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).
Qualified rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Early withdrawal penalty may or will be imposed. Minimum deposit $500.
3.93% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Does not apply to IRAs. Maximum opening deposit of $1 million. A penalty may be imposed for early withdrawal. Membership required.
Offer: Does not apply to IRAs. Maximum opening deposit of $1 million.
Balance cap $1,000,000 · Effective Oct 2, 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 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%
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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