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 31–45 results in Bellingham, WA metro
- 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19 years of age). Limited to 10 free withdrawals per month; excess withdrawal fee of $5 per additional withdrawal (maximum charge $20/month). Rates are variable and subject to change after account opening.
Offer: All balances earn 0.10% APY. Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19). No minimum to earn interest.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $10 is waived with a $5,000 minimum daily balance during that monthly statement cycle.
Offer: Monthly fee waived with $5,000 minimum daily balance.
0.05% interest rate · $10 monthly fee · Effective Aug 20, 2026
Rate by balance
Rate by balance for Banner's Best Savings Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $249,000 0.35% $250,000 – $999,999 0.35% $1,000,000 and up 0.50% Rate checked
More details - Banner BankMoney Market SavingsMoney Market Savings · $100 min · 0.05%–0.50% by balance
Bank · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Minors (ages 12-17) are eligible if a parent or guardian (age 18+) is also an account owner. $10 monthly service charge waived with a $1,000 minimum daily balance during the monthly statement cycle.
Offer: Monthly service charge waived with a $1,000 minimum daily balance during that monthly statement cycle.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.05% $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $999,999 0.35% $1,000,000 and up 0.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary savings account; $5.00 minimum balance represents ownership/membership in WestEdge Credit Union.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Secondary discretionary savings account used to organize funds for personal budgeting; no minimum balance required to maintain account.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends calculated daily and paid monthly. Free account. Open with $5 or more. Can create separate saving accounts for vacations, holidays, or celebrations.
0.00% interest rate · No monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Savings Balance APY Up to $100 0.00% $100 – $10,000 0.10% $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.10% $100,000 and up 0.10% Rate checked
More details - North Coast Credit UnionThrive SavingsSavings · $0 min · 0.10%–5.00% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: One Thrive Savings account per member. Dividends calculated daily and paid monthly. No minimum opening balance required.
Offer: 5.00% APY on balances up to $5,000
4.89% interest rate · Effective May 18, 2026
Rate by balance
Rate by balance for Thrive Savings Balance APY Up to $5,000 5.00% Over $5,000Your amount 0.10% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - First Fed BankFirst Rate Money MarketFirst Rate Money Market · $1,000 min · 0.01%–0.15% by balance
Bank · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: Rates may change after account is opened. $15 early closing fee if closed within 90 days.
Offer: Minimum deposit to earn APY is $0.00. Compounded daily.
0.01% interest rate · Compounded daily · Effective Oct 19, 2026
Rate by balance
Rate by balance for First Rate Money Market Balance APY Up to $1,000 0.01% $1,000 – $10,000Minimum deposit to earn APY is $1,000.00. 0.05% $10,000 – $50,000Your amountMinimum deposit to earn APY is $10,000.00. 0.05% $50,000 – $100,000Minimum deposit to earn APY is $50,000.00. 0.10% $100,000 and upMinimum deposit to earn APY is $100,000.00. 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · No monthly fee · Effective Sep 21, 2026
Rate checked
More details - 0.05%APY$5 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. If rewards qualifications are not met, the entire balance earns the non-qualifying APY. $15 early closing fee if closed within 90 days of opening. No monthly maintenance fee.
Offer: Non-qualifying balances if rewards qualifications are not met; simple interest.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Rate may change after account is opened. Fees can reduce earnings. Monthly service charge of $3 waived when the minimum ledger balance of $300 is maintained. $3 monthly service charge refund if set up with combined statements for savings and checking account (applied even if minimum ledger balance waiver is not met). For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 items per statement cycle can be deposited with no charge, thereafter $0.20 per item.
Offer: Monthly service charge of $3 waived with a $300 minimum ledger balance; $3 refund applied if combined with checking account statement even if minimum ledger balance waiver is not met. For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 deposited items per cycle free, then $0.20 per item.
0.05% interest rate · $3 monthly fee · Effective Oct 4, 2026
Rate checked
More details - Columbia BankThrive Money MarketThrive Money Market · $100 min · 0.05%–0.15% by balance
Bank · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: $10 monthly maintenance fee, waived with a $1,000 minimum daily balance or link to a checking account (up to 3 complimentary accounts linked to Access Checking, or up to 5 complimentary accounts linked to Pinnacle Checking). Available for online account origination. Interest rate and APY may change after opening.
Offer: The interest rate and annual percentage yield may change after account opening. Available for online account origination.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 – $250,000 0.10% $250,000 and up 0.15% 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 Bellingham, WA metro
67 accounts at 19 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Bellingham, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- WECUCredit union · 9 branches
- First Fed BankBank · 3 branches
- WestEdge Credit UnionCredit union · 1 branch