Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from credit unions across Washington
Below are the best six month CD Rates from credit unions in Washington. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
WA - July 31, 2025
6 Month CD National Average : 0.41% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.90% 4.08% |
$50,000 $500 |
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Rate History: 4.34% → 4.90% |
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4.30% |
$500 |
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Rate History: 4.80% → 5.20% → 5.10% → 4.50% → 4.30% |
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3.90% |
$250 |
- |
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Rate History: 4.50% → 4.40% → 4.25% → 3.90% |
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3.45% |
$500 |
- |
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Rate History: 4.50% → 4.25% → 3.75% → 3.50% → 3.45% |
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3.25% |
$2,000 |
- |
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Rate History: 0.25% → 3.50% → 3.25% |
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Guy | Dec 22, 2021 STCU this rate is over twice what I was told at the credit union Read More |
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3.00% 2.75% |
$500 $100,000 |
- |
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|
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Rate History: 5.75% → 4.07% → 3.25% → 3.10% → 3.00% |
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2.75% |
$1,000 |
- |
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|
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Rate History: 3.30% → 3.15% → 3.00% → 2.75% |
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2.35% 2.30%2.25% 2.20% |
$100,000 $50,000$25,000 $1,000 |
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2.23% |
$500 |
- |
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Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23% |
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member | Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More |
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2.01% 1.75% |
$1,001 $1,000 |
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Rate History: 2.00% → 2.01% |
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Bradley, Elizabeth | May 31, 2021 Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More |
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|
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2.00% |
$10,000 |
- |
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|
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Rate History: 2.86% → 5.00% → 4.45% → 4.10% → 2.00% |
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|
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1.70% |
$0 |
- |
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Builddaysis.Com | May 10, 2020 You ve got this. With financial calculators, articles, FAQs and more you ll have all the resources you need to choose the right accounts and loans so you can save, spend, and borrow better. Read More |
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|
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1.50% 1.35%1.20% |
$100,000 $50,000$500 |
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Rate History: 3.00% → 4.75% → 4.00% → 3.00% → 1.50% |
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Jerry from Hillsboro, Oregon | Dec 4, 2022 Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%. Read More |
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|
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1.40% 1.25% |
$100,000 $0 |
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|
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1.26% 1.15% |
$250,000 $10,000 |
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Rate History: 1.11% → 1.26% |
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0.88% |
$100,000 |
- |
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0.75% |
$100,000 |
- |
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dennis bishop | Apr 4, 2020 I wish you had the old mail in service where could mail it in im 75 years old I wish we could mail in 5.00 or 25.0 at a time Read More |
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|
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0.60% |
$10,000 |
- |
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dennis bishop | Apr 4, 2020 I wish you had the old mail in service where could mail it in im 75 years old I wish we could mail in 5.00 or 25.0 at a time Read More |
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0.60% |
$10,000 |
- |
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0.55% |
$100,000 |
- |
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0.55% |
$100,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$100,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$100,000 |
- |
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
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0.44% |
$10,000 |
- |
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0.40% |
$500 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$10,000 |
- |
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0.38% |
$10,000 |
- |
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0.35% |
$100,000 |
- |
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0.35% |
$10,000 |
- |
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Renabunting | Dec 11, 2022 I'm not sure what's going on with you Numerica but I want my money. Your business Flags my card every single day while I am trying to conduct business on the internet. You have cost me thousands of dollars... Read More |
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0.35% |
$100,000 |
- |
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0.35% |
$100,000 |
- |
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0.35% |
$10,000 |
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Winder | Nov 11, 2021 I would like to thank Ashley in Loan Support Services at Twin Star Credit Union for all her help. In this day and age it is difficult to find someone as effective and efficient that actually goes the ex... Read More |
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0.35% |
$100,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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|
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David strout | Jan 24, 2020 I was forces to close my account due to someone that had my debit card but kindly put it on the seat of the truck not in my wallet but they were nice enough to deposit a fake /forged/counterfeit check into... Read More |
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0.30% |
$10,000 |
- |
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0.30% |
$1 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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|
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0.25% |
$1,000 |
- |
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0.25% |
$10,000 |
- |
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|
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0.25% |
$100,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.20% |
$500 |
- |
Learn More
|
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Slynyrd | Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More |
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$100,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
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0.20% |
$100,000 |
- |
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0.15% |
$500 |
- |
Learn More
|
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northcape5 | Sep 27, 2016 why have you not updated your rates Read More |
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.05% |
$10,000 |
- |
Learn More
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|
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0.01% |
$500 |
- |
Learn More
|
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.
Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.
Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.
BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.
As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.
The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.
This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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