Highest CD Rates in Washington
204 Washington-specific CD products
The Washington market
Washington accounts
204
Institutions
20
Top Washington APY
4.25% APY
Nationally: 5.00% APY
FDIC national average
1.73%
As of Sep 2026
204 CDs are open only to Washington residents, from 20 institutions. The highest advertised APY among them is 4.25%.
The highest nationally available rate is 5.00% APY, 75 basis points above the Washington leader.
157 of the 204 Washington CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Washington-Specific CD Rates
CD rates specifically available to Washington residents. Business, youth and IRA CDs are not included.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.25%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #2 | 4.20%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #3 | 4.20%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #4 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #5 | Up to4.00%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #7 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | Up to4.00%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #9 | Up to4.00%APY Relationship rate · 3.50% without the relationship Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #10 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #12 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #14 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #17 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #18 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #20 | Up to3.75%APY Relationship rate · 3.25% without the relationship Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #21 | 3.75%APY Observed: Oct 9, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #23 | Up to3.75%APY Relationship rate · 3.25% without the relationship Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #25 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #26 | 3.75%APY On balances up to $99,999 · no rate stated above Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #27 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #28 | Up to3.70%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #29 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #30 | Up to3.70%APY Relationship rate · 3.20% without the relationship Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #31 | 3.70%APY On balances up to $99,999 · no rate stated above Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #32 | 3.65%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #33 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #34 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 3.65%APY On balances up to $99,999 · no rate stated above Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #36 | 3.65%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #37 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | Up to3.60%APY Relationship rate · 3.10% without the relationship Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #39 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #40 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #41 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #43 | 3.60%APY On balances up to $99,999 · no rate stated above Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #44 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | 3.51%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #49 | 3.51%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$2,000
Yes
$2,000
Yes
$10,000
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$500
Yes
Needs at least $25,000
$2,500
Yes
Relationship rate · 3.50% without the relationship
$100,000
Yes
$1,000
Yes
$5,000
Yes
$500
Yes
$100
Yes
$500
Yes
$500
Yes
$100,000
Yes
$2,500
Yes
$500
Yes
$100,000
Yes
Relationship rate · 3.25% without the relationship
$100,000
Yes
$1,000
Yes
$1,000
Yes
Relationship rate · 3.25% without the relationship
$1,000
Yes
$500
Yes
$100,000
Yes
On balances up to $99,999 · no rate stated above
$2,500
Yes
$500
Yes
Needs at least $25,000
$2,500
Yes
$100,000
Yes
Relationship rate · 3.20% without the relationship
$100,000
Yes
On balances up to $99,999 · no rate stated above
$2,500
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$500
Yes
On balances up to $99,999 · no rate stated above
$2,500
Yes
$1,000
Yes
$1,000
Yes
Relationship rate · 3.10% without the relationship
$100,000
Yes
N/A
Yes
$100,000
Yes
$1,000
Yes
$100
Yes
On balances up to $99,999 · no rate stated above
$2,500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$100
Yes
$1,000
Yes
$500
Yes
Nationally Available CD Rates
The 8 highest CD rates available nationwide, including in Washington.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Popular Direct | 48 Months48 months | 4.95% |
| Popular Direct | 36 Months36 months | 4.85% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Bread Savings | 18-Month CD18 months | 4.75% |
| Barclays | 24-Month CD24 months | 4.75% |
| Barclays | 60-Month CD60 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |