Best credit union CD rates in Washington
Gesa Credit Union has the highest APY in this tracked sample of 21 institutions: 4.50% APY for 17 months, verified October 22, 2026.
These institutions list Washington in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Gesa Credit Union | 17 monthsFixed CD · Standard | $500 | Membership required · branches in ID, WA | 4.50% | October 22, 2026 Source text |
| iQ Credit Union | 7 months7-Month CD Special (Member Perks) · Relationship | Not stated | Membership required · branches in OR, WA | 4.50% | October 22, 2026 Source text |
| Horizon Credit Union (Washington) | 12 months12 Month · Standard | $1,000 | Membership required · branches in ID, MT, OR, WA | 4.38% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Idaho Central Credit Union | 60 months60 Month Promo CD · Promotional | $500 | Membership required · branches in AZ, ID, WA | 4.30% | October 22, 2026 Source text |
| Numerica Credit Union | 17 monthsCertificate · Promotional | $1,000 | Membership required · branches in ID, WA | 4.25% | October 22, 2026 Source text |
| Credit Human Federal Credit Union | 120 monthsShare Certificate · Standard | $500 | Membership required · branches in LA, NC, TX, WA | 4.05% | October 22, 2026 Source text |
| Meriwest Credit Union | 60 months60-Month Certificate · Promotional | $1,000 | Membership required · branches in CA, CO, TX, WA | 4.05% | October 22, 2026 Source text |
| Sound Credit Union | 13 monthsJumbo Certificate · Promotional | $100,000 | Membership required · branches in WA | 4.05% | October 22, 2026 Source text |
| Fibre Federal Credit Union | 12 months12 Month Jumbo Certificate · Standard | $100,000 | Membership required · branches in OR, WA | 3.93% | October 22, 2026 Source text |
| Harborstone Credit Union | 12 months12-Month Certificate · Standard | $500 | Membership required · branches in WA | 3.75% | October 22, 2026 Source text |
| Rivermark Community Credit Union | 10 months10-Month Loyalty CD · Relationship | $0 | Membership required · branches in OR, WA | 3.75% | October 22, 2026 Source text |
| Unitus Community Credit Union | 12 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in OR, WA | 3.65% | October 22, 2026 Source text |
| Kitsap Credit Union | 10 months10-Month Promotional Jumbo Certificate · Promotional | $100,000 | Membership required · branches in WA | 3.60% | October 22, 2026 Source text |
| NuVision Credit Union | 12 months1-Year Certificate · Standard | $100,000 | Membership required · branches in AK, AZ, CA, WA, WY | 3.55% | October 22, 2026 Source text |
| DCU (Digital Federal Credit Union) | 12 monthsRegular Certificate · Standard | $500 | Membership required · branches in 9 states | 3.50% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
| Salal Credit Union | 13 months13-Month CD · Promotional | $1,000 | Membership required · branches in WA | 3.50% | October 22, 2026 Source text |
| Red Canoe Credit Union | 6 months6 Month Certificate · Standard | $500 | Membership required · branches in OR, WA | 3.30% | October 22, 2026 Source text |
| BECU | 12 months12-17 Month CD with Member Advantage · Relationship | $500 | Membership required · branches in SC, WA | 3.25% | October 22, 2026 Source text |
| OnPoint Community Credit Union | 60 monthsCD with OnPoint Rewards · Relationship | $1,000 | Membership required · branches in OR, WA | 2.75% | October 22, 2026 Source text |
Other Washington institutions we don't verify yet
These banks and credit unions serve Washington, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Sunflower Bank Bank · HQ Dallas, TX We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on www.sunflowerbank.com
Compare with public benchmarks
The highest tracked quote is 4.50% APY for 17 months. The Treasury APY-equivalent for a similar term is 4.69% (2026-10-21). The FDIC national average for a similar term is 1.76% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Gesa Credit Union has the highest APY in this tracked sample of 21 institutions: 4.50% APY for 17 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes