Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Seattle, WA metro
- 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 - 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.
Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.
Qualified rate · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Digital Savings Balance APY Up to $25,000Your amount 4.50% $25,000 and up 0.10% Rate checked
More details - 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY when eligibility requirements are met.
Qualified rate
Rate checked
More details - Waterfront Credit UnionHigh-Yield Savings AccountSavings · $5,000 min · 2.53%–4.07% by balance
Credit union · 1 branch
4.07%APY$407 a year on $10,000with conditionsRequirements
Product: Qualifications include a $5,000 minimum balance, monthly online/mobile banking login, enrollment in eStatements, and a monthly electronic deposit. If qualifications are not met, the account earns the regular share dividend rate.
Offer: Promotional schedule tier on savings accounts page p4; requires meeting monthly activity and eStatement qualifications.
Qualified rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY $5,000 – $100,000Your amount 4.07% Over $100,000 2.53% 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 - Nuvision Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Must maintain a Nuvision checking account with a balance of at least $500. Opening deposit of at least $1,000 must be new money not currently on deposit at the credit union. Limit one account per household.
Offer: Earn up to 4.00% APY with reverse tiers providing higher rates on lower balances. Opening deposit must be new money not currently on deposit. Requires maintaining a Nuvision checking account with at least a $500 balance. Limit one per household.
Qualified rate
Rate checked
More details - 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 - 3.51%APY$351 a year on $10,000
Requirements
Product: eStatement enrollment is required to earn the premier rate; if disabled, the regular Money Market rate is earned for that period.
Offer: No minimum to open. Requires $1,000.00 minimum balance and eStatement enrollment to earn dividends. Compounded and credited monthly.
3.45% interest rate · Effective Apr 1, 2025
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 8 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: Variable rate account. Interest rate determined by daily balance.
3.34% interest rate · Effective Feb 11, 2026
Rate by balance
Rate by balance for Digital Direct Savings Balance APY Up to $999,999Your amount 3.40% $1,000,000 and up 3.50% Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: Variable rate account. Interest rate determined by daily balance. Interest compounded daily, credited monthly. Monthly service charge waived with combined monthly average balances in qualified relationship accounts of $100,000 or more or with qualified loan balances of $100,000 or more (deposit and loan balances cannot be combined). Monthly service fee waived for first 60 days from account opening date and for minor accounts when primary account holder is age 18 or younger. Dedicated private client manager. Fee waived or no charge for incoming wire transfers, cashier's checks, foreign currency orders, notary service, medallion stamp service.
Offer: Monthly service charge of $10 is waived with $100,000 combined average monthly balance in qualified relationship accounts or qualified loans.
3.34% interest rate · Compounded daily · $10 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Private Concierge Savings Balance APY Up to $999,999Your amount 3.40% $1,000,000 and up 3.50% Rate checked
More details - 3.30%APY$330 a year on $10,000
Requirements
Product: Available for individuals residing in eligible states. Free standard money market checks.
Offer: No minimum balance and no monthly service charge. Available for individuals residing in eligible states.
No monthly fee
Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - Waterfront Credit UnionHigh-Yield Savings AccountSavings · $5,000 min · 2.52%–4.07% by balance
Credit union · 1 branch
3.04%APY$304 a year on $10,000with conditionsRequirements
Product: Qualifications include a $5,000 minimum balance, monthly online/mobile banking login, enrollment in eStatements, and a monthly electronic deposit. If qualifications are not met, the account earns the regular share dividend rate.
Offer: Promotional page tier; requires meeting monthly activity and eStatement qualifications.
Qualified rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY $5,000 – $20,000Your amount 3.04% $20,000 – $50,000 3.55% $50,000 – $100,000 4.07% Over $100,000 2.52% 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 Seattle, WA metro
202 accounts at 67 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.40%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
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Seattle, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Alaska Air Group Credit UnionCredit union · 1 branch