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 Port Townsend, WA metro
- 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. 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: Qualifying balances less than $50,000; simple interest.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Sep 28, 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 - 2.75%APY$275 a year on $10,000
Requirements
Product: Requires $100 minimum opening deposit of new money (funds not previously held on deposit at First Fed within the last 30 days). $5 monthly maintenance fee is waived with $100 minimum daily balance (if balance at assessment is less than $5, fee is balance less $0.01). $15 early closing fee if 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 Sep 28, 2026
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 5, 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 - 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1st Security BankHigh Yield Money MarketHigh Yield Money Market · $1,500 min · 0.50%–2.00% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Monthly maintenance service charge of $15 is waived if maintaining a minimum daily balance of $1,500 and maintaining an active 1st Security Bank business or consumer checking account.
Offer: Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge.
$15 monthly fee · Effective Jul 31, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $5,000 0.50% $5,000 – $100,000Your amount 0.75% $100,000 – $250,000 1.00% $250,000 – $1,000,000 1.50% $1,000,000 and up 2.00% Rate checked
More details - Kitsap Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 0.65%–3.00% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000with conditionsRequirements
Product: New money required (waived for existing funds held in maturing KCU certificates when deposited into a new Premium Money Market Account). Requires a Peak Checking or Business Checking account. Limited to one account per Tax ID.
Offer: New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID.
Qualified rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY $1,000 – $15,000Your amount 0.65% $15,000 – $50,000 2.00% $50,000 – $100,000 2.40% $100,000 – $250,000 2.60% $250,000 – $500,000 2.75% $500,000 – $1,000,000 2.85% $1,000,000 and up 3.00% Rate checked
More details - 1st Security BankTiered Rate Money MarketTiered Rate Money Market · $100 min · 0.35%–1.00% by balance
Bank · 2 branches
0.55%APY$55 a year on $10,000Requirements
Product: Interest is compounded and credited at the end of each month using the daily balance method. Monthly maintenance service charge of $15 is waived by maintaining a minimum daily balance of $1,500.
Offer: Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee.
$15 monthly fee · Effective Jul 31, 2026
Rate by balance
Rate by balance for Tiered Rate Money Market Balance APY Up to $5,000 0.35% $5,000 – $50,000Your amount 0.55% $50,000 – $100,000 0.75% $100,000 and up 1.00% Rate checked
More details - Kitsap Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–1.40% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Variable rate. $1,000 minimum average daily balance to earn dividends and avoid monthly fee. $10.00 monthly fee is waived if average daily balance of $1,000 or higher is maintained.
Offer: Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher.
$10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.50% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 – $500,000 1.10% $500,000 – $1,000,000 1.25% $1,000,000 and up 1.40% 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 · 1 branch
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 - First Fed BankMadrona Money MarketMadrona Money Market · $10,000 min · 0.25%–3.35% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Rates may change after account is opened. $15 early closing fee if closed within 90 days. No monthly maintenance fee.
Offer: Minimum balance to earn APY is $1. Compounded daily.
0.25% interest rate · Compounded daily · Effective Oct 19, 2026
Rate by balance
Rate by balance for Madrona Money Market Balance APY Up to $100,000Your amount 0.25% $100,000 – $250,000 3.30% $250,000 and up 3.35% Rate checked
More details - First Fed BankSpruce Money MarketSpruce Money Market · $10,000 min · 0.01%–0.30% by balance
Bank · 1 branch
0.10%APY$10 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 $1. Compounded daily.
0.01% interest rate · Compounded daily · Effective Oct 19, 2026
Rate by balance
Rate by balance for Spruce Money Market Balance APY Up to $10,000 0.01% $10,000 – $100,000Your amountMinimum deposit to earn APY is $10,000.00. 0.10% $100,000 – $250,000Minimum deposit to earn APY is $100,000.00. 0.15% $250,000 – $499,999Minimum deposit to earn APY is $250,000.00. 0.20% $500,000 and upMinimum deposit to earn APY is $500,000.00. 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum opening deposit of $100.00. A minimum balance fee of $10 applies every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Requires electronic statement delivery (eStatements).
Offer: Monthly fee of $10 applies if balance falls below $1,000 on any day of the cycle. Requires electronic statement delivery (eStatements).
0.10% interest rate · $10 monthly fee · Effective Oct 13, 2026
Rate by balance
Rate by balance for eMoney Maker Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 0.15% $50,000 – $99,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 0.21% $100,000 – $249,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 0.26% $250,000 – $499,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 0.76% $500,000 – $999,999Monthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 1.16% $1,000,000 and upMonthly fee of $10 waived if balance stays at or above $1,000 every day of the cycle. 1.41% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Rate may change after account is open. Maintain a minimum balance of $100.00 each day to obtain the disclosed APY and avoid the monthly minimum balance fee.
Offer: Waive $3 monthly fee with $100 minimum balance. Must maintain $100 minimum balance each day to earn APY.
0.10% interest rate · $3 monthly fee · Effective Sep 28, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Requires electronic statement delivery (eStatements). Rate may change after account is open. Minimum balance fee of $10 applies every statement cycle if the balance falls below $1,000 on any day of the cycle.
Offer: $10 monthly fee waived if balance stays at or above $1,000 every day of the cycle. Requires eStatements.
0.10% interest rate · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for eMoney Maker Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 – $99,999 0.21% $100,000 – $249,999 0.26% $250,000 – $499,999 0.76% $500,000 – $999,999 1.16% $1,000,000 and up 1.41% 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
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 Port Townsend, WA metro
38 accounts at 9 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.12%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.05%
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Port Townsend, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Fed BankBank · 1 branch