Compare Bank & Credit Union Rates
Best savings rates in Spokane Valley, 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 Spokane Valley, WA
- ICCUHigh-Yield Online Savings AccountSavings · $1,000 min · 0.00%–3.40% by balance
Credit union · 1 branch
3.40%APY$340 a year on $10,000Requirements
Product: Requires ICCU membership (Share Savings Account with minimum $25 opening balance and one-time $5 membership fee). Free online eStatements required.
Offer: Monthly service fee is $10 if balance is less than $1,000.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for High-Yield Online Savings Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.40% $25,000 – $49,999 3.40% $50,000 – $99,999 3.40% $100,000 – $249,999 3.40% $250,000 and up 3.40% Rate checked
More details - 3.03%APY$303 a year on $10,000with conditions
Requirements
Product: Must be 18 and over. Tether Savings and Tether Checking are a bundled pair and must be opened and maintained to qualify for the account. Electronic statements are required. No monthly service fees.
Offer: To earn stated APY: must open both Tether savings and Tether checking, agree to receive electronic/online statements, maintain a minimum balance of $50 in Tether Savings, and make monthly electronic transfer/deposit of $50 or more from Tether checking to Tether savings. Stated APY paid on balances up to $15,000.
Qualified rate · Balance cap $15,000 · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 2.79%APY$279 a year on $10,000
Requirements
Product: STCU membership is required to open account. Rate is variable and balance tiers may change after account is opened.
Offer: APY accurate as of last dividend declaration date. Rate variable; balance tiers may change after opening. Dividends compounded monthly. No monthly service charge. Unlimited in-person deposits and withdrawals. Limited to six pre-authorized/remote transfers per month with excess fees possible.
Compounded monthly · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - 2.27%APY$227 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualifications per cycle: enrolled in eStatements and make at least 12 qualifying Canopy Classic and/or Rewards card purchases.
Offer: When qualifications are met on linked checking account.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 2.27% $50,000 and up 1.00% Rate checked
More details - BECUMoney Market with Member AdvantageMoney Market with Member Advantage · $0 min · 0.35%–2.73% by balance
Credit union · 2 branches
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 - 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 - WSECUMoney Market accountsMoney Market accounts · $0 min · 0.10%–1.25% by balance
Credit union · 1 branch
0.79%APY$79 a year on $10,000Requirements
Product: No minimum balance requirement. No maintenance fees. Earnings are based on average daily balance and paid at the end of each month. Withdrawals are limited to 6 per month.
Offer: Based on average daily balance.
No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market accounts Balance APY Up to $5,000 0.10% $5,000 – $10,000 0.74% $10,000 – $25,000Your amount 0.79% $25,000 – $50,000 0.89% $50,000 – $100,000 0.94% $100,000 and up 1.25% Rate checked
More details - WSECUPerformance Money MarketPerformance Money Market · $0 min · 0.10%–1.25% by balance
Credit union · 1 branch
0.79%APY$79 a year on $10,000Requirements
Offer: Avg Daily Balance.
0.10% interest rate
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $5,000 0.10% $5,000 – $10,000 0.74% $10,000 – $25,000Your amount 0.79% $25,000 – $50,000 0.89% $50,000 – $100,000 0.94% $100,000 and up 1.25% Rate checked
More details - ICCUMoney Market SavingsMoney Market Savings · $25 min · 0.00%–1.00% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Available to ICCU members who live or work in Idaho, Washington, eastern Oregon, or Arizona.
Offer: $15 monthly service fee if balance is less than $2,500. Minimum balance to earn interest is $2,500.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.00% $2,500 – $24,999Your amount 0.40% $25,000 – $49,999$15 monthly service fee waived with balance of $2,500 or more. 0.60% $50,000 – $99,999$15 monthly service fee waived with balance of $2,500 or more. 0.75% $100,000 and up$15 monthly service fee waived with balance of $2,500 or more. 1.00% Rate checked
More details - Gesa Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.20%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends calculated using daily balance method. Minimum daily balance of $2,500.00 required each day to obtain disclosed APY. Minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month as stated in the Consumer Fee Schedule. New rates set on first of each month; rates may change after account is opened.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.40% $250,000 and up 0.45% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
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. No minimum balance required to open or maintain the account; no monthly maintenance fees.
Offer: Rate applies to entire balance.
No monthly fee · Effective Oct 7, 2026
Rate checked
More details - Global Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.20%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: No maintenance fee. Start earning dividends with a balance of $5,000. Dividends calculated daily and credited monthly.
0.20% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 and up 0.20% $10,000 and upYour amount 0.25% $25,000 and up 0.30% $50,000 and up 0.40% $100,000 and up 0.45% $250,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 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 Spokane Valley, WA
71 accounts at 19 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Spokane, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 6 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 1 branch