Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Monroe
Below are three-year CD Rates from banks in Monroe, Washington. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
Monroe, WA - October 30, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.90% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 3.60% → 3.40% → 4.00% → 3.90% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.76% |
$25,000 |
- |
Learn More
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Rate History: 3.56% → 4.16% → 4.00% → 3.76% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.70% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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3.70% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 180 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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3.50% |
$500 |
- |
Learn More
|
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Rate History: 2.75% → 2.75% → 3.50% |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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|
3.45% |
$1,000 |
21.82 |
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.35% 0.30% |
$250,000 $1,000 |
21.95 |
Learn More
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.25% |
$5,000 |
- |
Learn More
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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2.63% |
$1,000 |
19.40 |
Learn More
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Rate History: 2.27% → 2.02% → 1.92% → 1.66% → 2.63% |
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|
1.35% 1.12% |
$100,000 $500 |
21.81 |
Learn More
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Tami Phillips | Aug 15, 2019 I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More |
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1.26% |
$2,500 |
22.77 |
Learn More
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Rate History: 2.53% → 2.28% → 1.51% → 1.26% |
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Unhappy | Mar 25, 2020 Banner bank is sometimes hard to work with. If you have a construction loan to get a disbursement you fill out a sheet with the line item (not a big deal). Then they schedule an inspection that you pay $... Read More |
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1.10% |
$10,000 |
18.26 |
Learn More
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1.01% |
$10,000 |
15.85 |
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0.85% |
$1,000 |
- |
Learn More
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0.65% |
$10,000 |
23.06 |
Learn More
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0.46% |
$10,000 |
1.80 |
Learn More
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0.45% |
$10,000 |
21.79 |
Learn More
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tomlynn | Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More |
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0.40% |
$1,000 |
- |
Learn More
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.40% |
$50,000 |
20.03 |
Learn More
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0.40% |
$0 |
22.73 |
Learn More
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0.30% |
$10,000 |
21.79 |
Learn More
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0.25% |
$10,000 |
19.25 |
Learn More
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kmills | Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$10,000 |
22.24 |
Learn More
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.10% |
$1,000 |
22.69 |
Learn More
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.05% |
$500 |
21.80 |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
Beal Bank USA Seattle Branch |
10900 N.E. 4th Street, Suite 110 | Bellevue | WA |
|
Bank of Hope Seattle Loan Production Office Branch |
10655 North East 4th Street | Bellevue | WA |
|
Sound Community Bank Cedar Plaza Branch |
22807 44th Avenue West | Mountlake Terrace | WA |
|
Washington Trust Bank Bellevue Branch |
10500 Ne 8th Street, Suite 1100 | Bellevue | WA |
|
Banner Bank Issaquah Branch |
1375 Northwest Mall Street, Suite 1 | Issaquah | WA |
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Washington Trust Bank Bellevue Branch |
10500 Ne 8th Street, Suite 1100 | Bellevue | WA |
|
Pacific Crest Savings Bank Pacific Crest Savings Bank Branch |
3500 188th Street, S.W., Suite 575 | Lynnwood | WA |
|
Mountain Pacific Bank Mountain Pacific Bank Branch |
3732 Broadway | Everett | WA |
|
UniBank Bellevue Branch |
3640 Factoria Boulevard Se | Bellevue | WA |
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Coastal Community Bank Monroe Branch |
19351 Hwy 2 | Monroe | WA |
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GBC International Bank Bellevue Branch |
500 108th Avenue Ne, Suite 1770 | Bellevue | WA |
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Cathay Bank Bellevue Branch |
13238 Ne 20th Street, Suite 200 | Bellevue | WA |
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Heritage Bank Issaquah Branch |
1250 Nw Mall St | Issaquah | WA |
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Bank of Hope Seattle Loan Production Office Branch |
10655 North East 4th Street | Bellevue | WA |
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Peoples Bank of Bellingham, Washington Bellevue Financial Center Branch |
10900 Ne 4th Street, Suite 2250 | Bellevue | WA |
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First Interstate Bank Courier Service Branch |
4710 196th Street Southwest | Lynnwood | WA |
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East West Bank Bellevue Branch |
10900 N.E. 4th Street, Suite 200 | Bellevue | WA |
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Columbia Bank Issaquah Branch |
705 Nw Gilman Boulevard | Issaquah | WA |
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First-Citizens Bank & Trust Company Bellevue Main Office Branch |
300 110th Avenue, Ne | Bellevue | WA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates