Washington State CD Rates for Consumers with Good Credit Histories

For those that live in Seattle, Spokane, Tacoma, Vancouver, Bellevue, or any other city in Washington, finding the best CD rates in WA is crucial to ensuring that your savings can safely and steadily grow.

When looking for Washington state CD rates, it’s important to weigh in your options and compare multiple products to ensure that you are getting the best CD rates in WA for your personal financial goals.

See the below rate table for a comparison of some of the best rates on financial products for residents of Washington state.

Best CD Rates in Washington State

Seattle, WA

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Which Washington City Are You Located In?

Below is a list of the largest cities in Washington. Click here to go to the Washington rates table displayed above to view the best rates for financial products in the state.

Largest Cities in Washington State


Federal Way96,757
Spokane Valley96,340

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High Yield Savings Rates vs Best CD Rates in WA

Whether you are looking for the best Washington CD rates in Spokane, Seattle, Kent, or Tacoma, it’s important to ensure that you are thoroughly researching providers and products to find the best CD rates in WA.

However, it is possible that the best CD rates in WA do not match your financial needs or goals.

In these cases, you might want to consider high-yield savings accounts in Washington. Some online high-yield savings accounts offer much higher rates than offered by CD rates in Washington.

Early Withdrawal Penalties

Even if you find the best CD rates in WA, you won’t see the full benefit from those rates if you withdraw your funds before the CD has matured.

Of course, withdrawing your investment early is not recommended, but for some consumers, an early withdrawal may be necessary during events like a family or financial emergency.

Even if you don’t plan on withdrawing funds early, you should make sure that you understand your bank’s policies on early withdrawal penalties, just in case the occasion for an early withdrawal should arise.

Each Washington CD will have different early withdrawal penalties, often worth several months of interest from Washington CD rates.

However, it is possible that a withdrawal penalty could include some of the principal balance, which means that you could lose money you originally invested by withdrawing funds early.

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Conclusion: Finding the Top CD Rates that Washington Has to Offer

Keep in mind that, in most cases, you won’t be able to withdraw funds from a CD until the account has matured, which may cause a problem for consumers that want liquidity.

At the same time, however, a CD is an ideal option for those who struggle with depleting their savings accounts before they have a chance to grow it.

Consider your financial goals, your current savings plan, and the best CD rates in Washington, or across the nation, to determine whether investing in a CD is the right decision for you.

To explore various rates on financial products in Washington state, visit the WA rate table above.

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