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 46–60 results in Washington
- Puget Sound Cooperative Credit UnionCertificate SpecialCD · 18 months · $1,000 min
Credit union · 3 branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply. Interest compounded and paid monthly.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Interest is compounded daily and credited quarterly. Fees could reduce earnings. Penalty may be imposed for early withdrawal. Rates are for Consumer and Business accounts, not for IRA accounts. Public Funds exclusions apply.
Offer: Earn up to 4.00% APY for 19 months. Requires a minimum deposit of $1,000 to open account and earn APY.
Promotional rate · Compounded daily · Effective Oct 1, 2026
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More details - 4.00%APYwith conditions
Requirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.93% interest rate
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 1 branch
4.00%APY$816 over 24 months on $10,000intro rateRequirements
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.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
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More details - 3.98%APY$500 over 15 months on $10,000
Requirements
Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
Offer: Valid for opening accounts online.
3.90% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.95%APY$361 over 11 months on $10,000intro 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.
Promotional rate · 3.88% interest rate
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More details - Credit Human Federal Credit UnionSustainable Share CertificateCD · 18 months · $500 min
Credit union · 1 branch
3.95%APY$598 over 18 months on $10,000Requirements
Product: All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open 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 will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.90%APY$161 over 5 months on $10,000intro rate
Requirements
Product: Fixed rate for a 5-month term. Early withdrawal penalty may apply.
Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.
Promotional rate · 3.83% interest rate · Compounded monthly · Effective Sep 8, 2026
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More details - 3.90%APY$291 over 9 months on $10,000intro rate
Requirements
Product: Fixed rate for a 9-month term. Early withdrawal penalty may apply.
Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.
Promotional rate · 3.83% interest rate · Compounded monthly · Effective Oct 9, 2026
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More details - 3.90%APY$761 over 23 months on $10,000with conditions
Requirements
Product: Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $1,000 ($500 for minors). Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
Offer: With checking account
Qualified rate · 3.83% interest rate · Compounded monthly · Effective Oct 19, 2026
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More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.
Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.
Effective Oct 1, 2026
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More details - 3.85%APY$418 over 13 months on $10,000intro rate
Requirements
Product: Flexible terms from 3 to 60 months. Open with as little as $500. Federally insured by NCUA up to $250,000 per depositor. Dividends compounded/credited monthly. Additional deposits not allowed. Withdrawals allowed (see transaction limitations).
Offer: 13 Months Certificates CD Promotion Rate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly.
Promotional rate · 3.78% interest rate
Rate checked
More details - Mint Valley Federal Credit UnionSuper Saver Plus CertificateCD · 6 months · $250 min
Credit union · 1 branch
3.82%APY$189 over 6 months on $10,000Requirements
Product: Requires monthly deposit of $250.00 ($100.00 minimum monthly deposit in account disclosures). Minimum balance required to open is $250.00. No additions in the last seven days before maturity.
Offer: $250 monthly deposit required
3.75% interest rate · Effective Mar 9, 2026
Rate checked
More details - Cascade Federal Credit UnionMember Appreciation CertificatesCD · 10 months · $500 min
Credit union · 4 branches
3.80%APY$316 over 10 months on $10,000Requirements
Product: Only one Member Appreciation Certificate is allowed per primary member. Not eligible for the 10+ year member rate bonus. Maximum deposit of $50,000. Early withdrawal penalties apply.
Offer: Maximum $50,000. Only one Member Appreciation Certificate is allowed per primary member. Not eligible for 10+ year member rate increase.
3.75% interest rate · Balance cap $50,000 · 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%
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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