Compare Bank & Credit Union Rates
Best savings rates in Lynnwood, 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 Lynnwood, WA
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Must be paired with a Verity Cash Back or Double Cash Back Checking account. Limit one Max My Savings account per primary account holder. Non-existing members must establish a Prime Share membership account ($5 membership fee required).
Offer: Qualifying rate when monthly Cash Back Checking qualifications are met (at least 12 debit card purchases, enrolled in eStatements, and log into Digital Banking at least once).
Qualified rate · No monthly fee · Effective Feb 1, 2026
Rate by balance
Rate by balance for Max My Savings Balance APY Up to $50,000Your amount 4.00% $50,000 and up 0.03% 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 - Pacific Crest BankMoney Market AccountMoney Market Account · $2,000 min · 2.50%–3.25% by balance
Bank · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Interest is compounded daily and paid to the account monthly. Limited to 10 debit transactions per statement cycle. $15 monthly fee waived with a $2,000 minimum daily balance. Variable interest rates subject to change after opening.
Offer: Monthly fee waived with $2,000 minimum daily balance. Compounded daily, paid monthly. Limited to 10 debit transactions per cycle.
2.47% interest rate · Compounded daily · $15 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $49,999Your amount 2.50% $50,000 – $99,999 2.75% $100,000 – $999,999 3.00% $1,000,000 and up 3.25% 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 - 2.01%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 $10,000
Requirements
Product: Sound membership with a Prime Savings account is required. Anyone who lives or works in WA can join. Over 3 checks per month incurs a $10 fee per check.
Offer: Dividends compounded and credited monthly. No monthly fee. Rates and fees are subject to change.
1.98% interest rate · No monthly fee
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
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 - 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 - 1st Security BankHigh Yield Money MarketHigh Yield Money Market · $1,500 min · 0.50%–2.00% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Monthly maintenance service charge of $15 is waived if maintaining a minimum daily balance of $1,500 and maintaining an active 1st Security Bank business or consumer checking account.
Offer: Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge.
$15 monthly fee · Effective Jul 31, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $5,000 0.50% $5,000 – $100,000Your amount 0.75% $100,000 – $250,000 1.00% $250,000 – $1,000,000 1.50% $1,000,000 and up 2.00% Rate checked
More details - 1st Security BankTiered Rate Money MarketTiered Rate Money Market · $100 min · 0.35%–1.00% by balance
Bank · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Interest is compounded and credited at the end of each month using the daily balance method. Monthly maintenance service charge of $15 is waived by maintaining a minimum daily balance of $1,500.
Offer: Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee.
$15 monthly fee · Effective Jul 31, 2026
Rate by balance
Rate by balance for Tiered Rate Money Market Balance APY Up to $5,000 0.35% $5,000 – $50,000Your amount 0.55% $50,000 – $100,000 0.75% $100,000 and up 1.00% Rate checked
More details - Seattle Credit UnionMoney Market AccountSavings · $0 min · 0.10%–1.16% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: No minimum opening deposit. Account transfers and withdrawal limitations apply. Interest compounded and credited monthly.
Offer: Interest compounded and credited monthly.
0.10% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.65% $50,000 – $100,000 0.85% $100,000 – $150,000 1.06% $150,000 and up 1.16% Rate checked
More details - Seattle Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.10%–1.16% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Must meet Seattle Credit Union membership eligibility (live, work, worship, or attend school in Washington State, immediate family of a current member, or employee of a community partner) and open a Membership Savings with a minimum deposit of $5. Up to 6 qualified pre-authorized, electronic, or automatic transfers/withdrawals per month.
Offer: Interest compounded and credited monthly.
0.10% interest rate · No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.65% $50,000 – $100,000 0.85% $100,000 – $150,000 1.06% $150,000 and up 1.16% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 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 Lynnwood, WA
56 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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Seattle, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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