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 of 100 results in Washington
- 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 - Yakima Federal Savings And LoanElevate Money MarketElevate Money Market · $10,000 min
Bank · 10 branches
3.50%APY$350 a year on $10,000Requirements
Product: Available for consumer accounts only. Minimum deposit of new funds ($10,000), defined as funds that have not been on deposit with Yakima Federal Savings and Loan within the last 30 days, is required to open. Open to all US residents. No monthly service fee or minimum balance fee. Check writing and transfers available.
Offer: All balances earn 3.50% APY accurate as of 10/28/2026. Rate sheet dated 09/23/2026 also lists tiered APYs from 0.05% up to 3.50% APY with balance tiers from $0.01 to $100,000+.
No monthly fee · Effective Oct 28, 2026
Rate checked
More details - 3.45%APY$345 a year on $10,000with conditions
Requirements
Product: Limit of one Rewards Savings account per tax reporting owner (TRO). Account must be paired with an open Rewards Checking or Cash Back Checking account to qualify for premium savings APY. $15 early closing fee if account is closed within 90 days of opening. No monthly maintenance fee.
Offer: Qualifying balances less than $50,000; simple interest.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 19, 2026
Rate by balance
Rate by balance for Rewards Savings Balance APY Up to $50,000Your amount 3.45% $50,000 and upAPY range is 3.45%-2.63% (assumes sample deposit of $75,000); 1.01%* 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 - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with an eligible HSBC Premier checking account in the U.S. Balance counts toward monthly minimum HSBC Premier balance requirement. Monthly maintenance fee of $50 applies to Premier checking if qualification requirements are not met (waived for the month of opening plus 3 calendar months).
Offer: Relationship APY. Automatically received for the introductory period (month of account opening plus following 3 months) when linked to an eligible open Premier checking account. To maintain after introductory period, must meet at least 1 qualification criterion each month: spend $500+ in purchases/payments using HSBC debit cards; pay $500+ from linked Premier checking to HSBC credit cards; receive $5,000+ in qualifying direct deposits to linked Premier checking; hold an HSBC-serviced U.S. mortgage; or maintain HSBC Premier Elite status.
Qualified rate
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Offered through Alto, a trade name used by BMO Bank N.A. Accounts subject to approval. Account must be funded within 90 days or it will be closed. Accounts with a zero balance for 90 consecutive days will be closed. Unlimited transfers and withdrawals.
Offer: Variable rate account. Interest rates and APYs may change at any time after the account is opened. Unlimited transfers and withdrawals.
No monthly fee · Effective Oct 30, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Daily compounding; monthly maintenance fee of $5 waived with $100 minimum daily balance; no minimum balance to earn APY. Requires $100 minimum opening deposit of new money (funds not previously held on deposit at First Fed within the last 30 days). $15 early closing fee if account is closed within 90 days of opening.
Offer: Daily compounding; monthly maintenance fee of $5 waived with $100 minimum daily balance; no minimum balance to earn APY.
2.71% interest rate · $5 monthly fee · Effective Oct 19, 2026
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Limit of one account per Tax ID number.
Offer: Qualifying rate on daily balances up to $100,000 when meeting monthly Rewards Checking activity and receiving monthly electronic statements.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Apr 8, 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 - 2.40%APY$240 a year on $10,000
Requirements
Offer: Avoid a monthly $5 service fee by maintaining a daily balance of $1,000 or more. Compounded daily, paid monthly. Unlimited in-person withdrawals.
2.37% interest rate · Compounded daily · $5 monthly fee · Effective Oct 7, 2026
Rate checked
More details - 2.40%APY$240 a year on $10,000
Requirements
Product: Variable rate account. Interest compounded daily, credited monthly. Unlimited withdrawals. Can be used as overdraft protection on a Seattle Bank checking account.
2.37% interest rate · Compounded daily · No monthly fee · Effective Oct 7, 2026
Rate checked
More details - Portage BankNew Frontier Money MarketNew Frontier Money Market · $2,500 min · 0.75%–3.30% by balance
Bank · 1 branch
2.27%APY$227 a year on $10,000Requirements
Product: Must maintain a minimum daily balance of $0.01 to earn disclosed APY. Optional mailed statements cost $3.00 per month.
Offer: Must maintain a minimum daily balance of $0.01 to earn disclosed APY.
0.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for New Frontier Money Market Balance APY Up to $10,000 0.75% $10,000 – $100,000Your amount 2.27% $100,000 – $250,000 2.53% $250,000 – $500,000 2.78% $500,000 and up 3.30% Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 106 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: Variable rate account. Monthly maintenance fee of $5 is waived when you are an owner of a Bank Smartly Checking, Safe Debit account, Bank Smartly Visa Signature Card, or for accounts with a minor under the age of 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 Combined Qualifying Balances (CQB) Under $5,000 with qualifying product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 30, 2026
Rate by balance
Rate by balance for 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 and up 3.50% 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 30, 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
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
100 accounts at 36 banks and credit unions · checked Nov 6–13
- Typical
- 0.10%
- Top 10% from
- 2.40%
- Banks, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Ironworkers USA Credit UnionCredit union · 2 branches