Compare Bank & Credit Union Rates
Best savings rates in Washington
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 121–135 results in Washington
- Spokane Firefighters Credit UnionSub-SharesSavings · $0 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Members may have up to nine secondary sub-savings accounts. Available to members in field of membership.
Effective Jan 21, 2026
Rate by balance
Rate by balance for Sub-Shares Balance APY Any balance 0.00% $100 and up 0.35% $5,000 and upYour amount 0.40% $25,000 and up 0.45% $75,000 and up 0.50% Rate checked
More details - WestEdge Credit UnionMoney MarketMoney Market · $2,500 min · 0.40%–0.70% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,0000.40% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 and up 0.70% Rate checked
More details - OnPoint Community Credit UnionOnPoint Loyalty Savings AccountSavings · $0 min
Credit union · 8 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Must qualify for OnPoint Rewards (requires 10-year relationship with OnPoint or 6 qualified transactions in the same checking account during the qualification period). Interest is compounded and credited monthly.
Offer: Must qualify for OnPoint Rewards.
Qualified rate · 0.35% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - evergreenDIRECT Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.30%–1.26% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: All Washington state residents are eligible to join. Membership requires purchasing and maintaining at least 1 share ($5.00 par value). Tiered rate applies to the full balance of the account once a balance range is met. Includes 3 free withdrawals per month (fees apply for additional withdrawals). Minimum deposit of $2,500 to open.
Offer: Daily balance of $2,500.00 to $9,999.99. Rate applies to the full balance of the account.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.30% $10,000 – $20,000Your amount 0.35% $20,000 – $35,000 0.40% $35,000 – $50,000 0.50% $50,000 – $75,000 0.60% $75,000 and up 1.26% Rate checked
More details - Puget Sound Cooperative Credit UnionPersonalized Savings AccountSavings · $5 min · 0.35%–0.50% by balance
Credit union · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: You can deposit as little as $5.00 to start earning interest. Can be personalized for specific savings goals.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personalized Savings Account Balance APY Up to $25,000Your amount 0.35% $25,000 – $100,000 0.40% $100,000 and up 0.50% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Maintaining a $20 balance establishes member share owner status. No monthly maintenance fees.
0.35% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Mt. Rainier Credit UnionMoney Market AccountsMoney Market Accounts · $5,000 min · 0.35%–0.65% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Requires a minimum balance of $5,000 in order to earn dividends. Dividends are based on the average daily balance and are paid monthly. Withdrawals are limited to three per month. Rates subject to change without notice.
Offer: Requires a minimum balance of $5,000 to earn dividends.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $5,000 – $25,001Your amount 0.35% $25,001 – $50,001 0.50% $50,001 and up 0.65% Rate checked
More details - Peninsula Credit UnionShares Plus – Money Market AccountShares Plus – Money Market Account · $2,500 min · 0.30%–0.75% by balance
Credit union · 5 branches
0.35%APY$35 a year on $10,000Requirements
Product: To earn a dividend, average daily balance must be $2,500 or higher. If average daily balance is below $2,500 no dividends are earned. Deposits and in-person withdrawals are unlimited. Shares Plus checks are limited to six clearing account per month, with a minimum of $500 per check.
Offer: Dividends declared and paid monthly and calculated on average daily balance.
0.30% interest rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for Shares Plus – Money Market Account Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.65% $100,000 and up 0.75% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 8 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - People's Community Federal Credit UnionMoney Management AccountMoney Management Account · $1,000 min
Credit union · 5 branches
0.30%APY$30 a year on $10,000Requirements
Product: Combined checking and savings account. Up to 6 preauthorized, automatic, telephonic, audio response, or PCCU Online Banking transfers per calendar month.
Offer: Rate applies to entire balance ($1,000 earns same rate as $100,000 or more). Dividends compounded and credited monthly based on average daily balance. $5.00 monthly fee if minimum balance is not met.
0.30% interest rate · $5 monthly fee · Effective Sep 10, 2024
Rate checked
More details - People's Community Federal Credit UnionMoney ManagementSavings · $1,000 min
Credit union · 5 branches
0.30%APY$30 a year on $10,000Requirements
Product: Combined checking and savings account. Can be opened and maintained with $1,000 minimum balance to avoid monthly fee. Earns a single non-tiered variable market dividend rate that can change weekly. Dividends compounded and credited monthly.
Offer: Requires $1,000 minimum opening balance and $1,000 minimum monthly balance to avoid fee. Dividends compounded and credited monthly. Earns non-tiered rate across all balances ($1,000+).
0.30% interest rate · Effective Jan 1, 2026
Rate checked
More details - MountainCrest Credit UnionCash ManagementSavings · $2,500 min · 0.30%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Tiered-rate savings account with direct check-writing. If balance drops below $2,500, converts to Savings Account earning regular savings rate with no fee or penalty.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Cash Management Balance APY $2,500 – $50,000Your amount 0.30% $50,000 and up 0.40% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum opening balance of $50.00. $10 quarterly service fee waived if quarterly average daily balance is above $100 or with eStatements. Service charge waived for kids < 18 years old. Calculated on the average daily balance; compounded and credited quarterly.
Offer: Average Balance to Obtain Annual Percentage Yield: $50.00.
0.30% interest rate · Effective Sep 30, 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 Washington
364 accounts at 120 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.27%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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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