Compare Bank & Credit Union Rates
Best savings rates in Lacey, WA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Lacey, WA
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 5 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 4 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 3 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - BECUMoney Market with Member AdvantageMoney Market with Member Advantage · $0 min · 0.35%–2.73% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000with conditionsRequirements
Product: To open a Money Market Account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Requires meeting Member Advantage relationship requirements to receive Member Advantage rates. No minimum balance required to open or maintain the account; no monthly maintenance fees.
Offer: Rate applies to entire balance. Requires Member Advantage.
Qualified rate · No monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market with Member Advantage Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.32% $50,000 – $100,000 2.38% $100,000 – $250,000 2.48% $250,000 – $500,000 2.58% $500,000 and up 2.73% Rate checked
More details - 2.02%APY$202 a year on $10,000
Rate checked
More details - 2.01%APY$201 a year on $10,000
Requirements
Offer: Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee.
2.00% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 2 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - America's Credit UnionGuaranteed Money Market Ultra AccountGuaranteed Money Market Ultra Account · $0 min · 0.10%–1.76% by balance
Credit union · 1 branch
1.76%APY$176 a year on $10,000intro rateRequirements
Product: ACU membership required, which requires opening a regular share savings account with a minimum deposit of $25. Up to 6 pre-authorized transactions per month. If the balance falls below $2,500, the account earns the lower tier rate. New money only for opening.
Promotional rate · 0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Guaranteed Money Market Ultra Account Balance APY Up to $2,500 0.10% $2,500 and upYour amount 1.76% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: 1-year term. Requires a minimum $10 monthly deposit (maximum monthly deposit $5,000); if the monthly deposit is not made, the dividend rate defaults to the Regular Share rate. No monthly maintenance fee. Early withdrawal penalty may apply.
Offer: Qualifying tier: requires $10 or more deposit per month. Term is 1 year.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 1 qualifying loan.
Qualified rate · Effective Oct 1, 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 savings accounts pay in Lacey, WA
64 accounts at 19 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.01%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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