Highest Business Savings Account Rates in Washington
14 Washington-specific products
Top Washington Rate:3.50% APYFDIC or NCUA Insured
The Washington market
Washington accounts
14
Institutions
10
Top Washington APY
3.50% APY
Nationally: 3.90% APY
FDIC national average
0.37%
As of Sep 2026
14 business savings accounts are open only to Washington residents, from 10 institutions. The highest advertised APY among them is 3.50%.
The highest nationally available rate is 3.90% APY, 40 basis points above the Washington leader.
6 of the 14 Washington business savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Washington-Specific Business Savings Accounts
Business Savings accounts specifically available to Washington residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$340per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #2 | Seattle Bank Private Concierge Business Savings Up to3.50%APY Needs at least $1,000,000 No min. balance for APY Observed: Oct 3, 2026 Show Details | +$340per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #3 | Olympia Federal Savings and Loan Association Companion Savings 2.57%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$257per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $100 | |
| #4 | Show Details | +$240per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #8 | Olympia Federal Savings and Loan Association Statement Savings 0.05%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$5per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features In-Person Access | $500 | |
| #10 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #11 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #12 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 |
#1
Seattle Bank
Private Business Savings
+$340
per year
3.40% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access
What to Watch
The bank no longer opens new accounts of this type. It is listed because the bank still publishes a rate for the holders who have one.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35139) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#2
Seattle Bank
Private Concierge Business Savings
+$340
per year
3.50% APY
Oct 3, 2026
Needs at least $1,000,000
APY Range: 3.40% – 3.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35139) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#3
Olympia Federal Savings and Loan Association
Companion Savings
+$257
per year
2.57% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
This account cannot be funded on its own. A deposit is allowed only on the day a certificate of deposit is opened, added to, or renewed at maturity, and the deposit cannot exceed the amount going into that certificate. Any certificate qualifies, an IRA certificate included, and a whole maturing certificate balance may move across.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28599) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Official SiteOlympia Federal Savings and Loan Association
Direct Link to Product Page (Not Sponsored)
#4
Seattle Bank
Business Savings
+$240
per year
2.40% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35139) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#5
Liberty Bank
Business Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58778) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#6
Peoples Bank
Business Savings
+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $5 monthly service charge; waived with a $500 minimum daily balance |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6158) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
Cashmere Valley Bank
Business Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1265) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#8
Olympia Federal Savings and Loan Association
Statement Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The service charge is $3.00 each quarter, not each month, and the bank waives it for an account whose average daily balance stays at $100 or more.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $50 |
| Maintenance Fee | $3 quarterly service charge will be imposed if average daily balance falls below $100. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28599) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Official SiteOlympia Federal Savings and Loan Association
Direct Link to Product Page (Not Sponsored)
#9
UniBank
Business Regular Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $2,500 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58407) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#10
Armed Forces Bank, National Association
Business Savings
+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4666) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#11
First Fed Bank
Business Savings
+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28405) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#12
Bank of America
Business Advantage Savings
+$1
per year
0.01% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
Nationally Available Business Savings Accounts
The 8 highest-rate business savings accounts available nationwide, including in Washington.
| Institution | Product / Term | APY |
|---|---|---|
| Prime Alliance Bank | Business Savings Accountneeds at least $200,000 | Up to3.90% |
| Climate First Bank | Super Savings | 3.56% |
| Axos Bank | Business Premium Savings | 3.50% |
| Capital One | Business Savings Account | 3.50% |
| Live Oak Bank | Business Savings | 2.75% |
| TAB Bank | Business Savings | 0.25% |
| Chase Bank | Chase Business Total Savingsneeds a linked account at the bank | 0.01% |
| Chase Bank | Chase Business Premier Savingsneeds a linked account at the bank | 0.01% |