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 269 results in Washington
- 6.00%APY$600 a year on $10,000with conditions
Requirements
Product: High-Yield monthly qualifications: A minimum of 12 debit card purchases of at least $3 each that must post by month-end, one online or mobile banking login per month, eStatements enabled, and one direct deposit of at least $500 per month. New membership must include a savings account with a minimum $25 opening deposit. Limit one Sky High Yield account per Social Security number. Cannot be combined with any other offers. Dividends calculated by average daily balance method.
Offer: Qualifying tier on portion of average daily balance up to $10,000 when monthly qualifications are met.
Qualified rate · 5.84% interest rate · No monthly fee · Effective Oct 21, 2026
Rate by part of balance
Rate by balance for Sky High Yield Balance APY Up to $10,000 6.00% $10,000 and up 0.10% Each rate is paid on the part of the balance in its range.
Rate checked
More details - 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 - Rivermark Community Credit UnionLoyalty SavingsSavings · $5 min · 0.05%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Consumer memberships only. Limit one Loyalty Savings account per membership. Variable rate account. $5 minimum balance to open.
Offer: Requires $1,000 or more in eligible deposits to any Rivermark Checking account with the same membership and enrollment in eStatements during the monthly cycle. Rate applies to the portion of balance up to $25,000.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 29, 2026
Rate by part of balance
Rate by balance for Loyalty Savings Balance APY Up to $25,000 4.00% Over $25,000Requires meeting monthly checking deposit and eStatement requirements. 0.05% Each rate is paid on the part of the balance in its range.
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 - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Must be linked to a Peak High Yield Checking or Peak Cash Back checking account. Requires enrolling in eStatements and making 12 debit card transactions each month on the linked checking account. When qualifications are met, balances up to $100,000 earn 4.00% APY and balances over $100,000 earn 1.00% APY on the portion over $100,000. When qualifications are not met, all balances earn 0.05% APY. Rewards and refunded ATM fees from checking are automatically deposited into Peak Saver. Dividends credited by the first business day of the following Statement Cycle.
Offer: When qualifications are met in Peak High Yield Checking or Peak Cash Back Checking account.
Qualified rate · Effective Oct 1, 2026
Rate by part of balance
Rate by balance for Peak Saver Balance APY Up to $100,000 4.00% $100,000 and upWhen qualifications are met in Peak High Yield Checking or Peak Cash Back Checking account; 1.00% Each rate is paid on the part of the balance in its range.
Rate checked
More details - Progressions Credit UnionKasasa SaverSavings · $0 min · 1.50%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Must have a Kasasa Cash or Kasasa Cash Back Account. Qualifying transactions: at least 1 direct deposit, ACH credit, or ACH payment transaction posted per month/cycle, at least 12 debit card purchases posted per cycle, and enrolled in and agree to receive eStatements.
Offer: Qualified Rate. Requires meeting monthly qualification cycle requirements in Kasasa Cash or Kasasa Cash Back account.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $20,000Your amount 4.00% Over $20,000 1.50% 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 - OnPoint Community Credit UnionOnPoint Premium SavingsSavings · $0 min · 2.25%–3.75% by balance
Credit union · 8 branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Requires qualification for OnPoint Rewards (six qualifying transactions per calendar month in an OnPoint checking account or 10-year membership relationship) and an active OnPoint Loyalty Savings account. Sweep account with maximum program deposit amount of $250,000. Limit one per member/TIN. Rate basis applies to portion of balance.
Offer: Earn 3.75% APY on portion of balance up to $100,000. Sweep account up to $250,000 maximum program deposit amount.
Qualified rate · 3.69% interest rate · No monthly fee · Effective Oct 29, 2026
Rate by part of balance
Rate by balance for OnPoint Premium Savings Balance APY Up to $100,000 3.75% Over $100,000 2.25% Each rate is paid on the part of the balance in its range.
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 9 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 - ICCUHigh-Yield Online Savings AccountSavings · $1,000 min · 0.00%–3.40% by balance
Credit union · 10 branches
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 - 3.30%APY$330 a year on $10,000
Requirements
Product: No minimum balance and no monthly service charge. Free standard money market checks, plus convenient access to 40,000+ fee-free ATMs across the country. Available for individuals residing in eligible states.
Offer: No minimum balance and no monthly service charge.
No monthly fee
Rate checked
More details - Solarity Credit UnionBonus SavingsSavings · $5 min · 0.05%–3.05% by balance
Credit union · 6 branches
3.05%APY$305 a year on $10,000with conditionsRequirements
Product: No monthly service fee. Limit of one Bonus Savings per Solarity checking account.
Offer: Qualified Rate on balances up to $10,000: settle and clear 20+ debit card purchases per month with a linked Solarity checking account and enroll in eStatements.
Qualified rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Bonus Savings Balance APY Up to $10,000Your amount 3.05% Over $10,000 0.05% Rate checked
More details - Waterfront Credit UnionHigh-Yield Savings AccountSavings · $5,000 min · 2.53%–3.55% 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% Over $100,000 2.53% 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
271 accounts at 83 banks and credit unions · checked Oct 29–30
- Typical
- 0.20%
- Top 10% from
- 2.27%
- 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
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Firefighters First Credit UnionCredit union · 1 branch