Washington

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You are viewing savings rates in Bellevue, Washington

Bellevue, Washington Credit Union Savings Rates 2019

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Bellevue, WA - August 25, 2019

Savings Account National Average Rate: 0.20% ?

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Credit UnionS APY Vs.
Nat'l
Av.
MIN Miles?
Qualstar
Restrictions
1.75% 8.58x $10,000 7261.99
Lewis Clark
Restrictions
1.00% 4.90x $500 6984.16
0.90% 4.41x $25,000 7283.13
0.85% 4.17x $10,000 7283.13
Tapco
Restrictions
0.85% 4.17x $25,000 7257.57
Avista Corp.
Restrictions
0.85% 4.17x $5 7039.91
Sound
Restrictions
0.85% 4.17x $1 7264.32
0.80% 3.92x $2,500 7283.13
Tapco
Restrictions
0.80% 3.92x $10,000 7257.57
Tapco
Restrictions
0.78% 3.82x $1,000 7257.57
0.75% 3.68x $1 7313.04
0.75% 3.68x $25,000 7265.09
Qualstar
Restrictions
0.70% 3.43x $10,000 7261.99
0.60% 2.94x $10,001 7265.09
O Bee
Restrictions
0.55% 2.70x $10,000 7278.60
0.55% 2.70x $1 7265.09
Nw Priority
Restrictions
0.50% 2.45x $25,001 7220.72
Twinstar
Restrictions
0.50% 2.45x $25,000 7275.13
Harborstone
Restrictions
0.50% 2.45x $10,000 7265.67
Nw Priority
Restrictions
0.45% 2.21x $5,001 7220.72
0.45% 2.21x $25,000 7268.32
Numerica
Restrictions
0.40% 1.96x $25,000 7030.93
Red Canoe
Restrictions
0.40% 1.96x $25,000 7253.81
Fibre
Restrictions
0.40% 1.96x $25,000 7253.52
Hapo Community
Restrictions
0.40% 1.96x $25,000 7084.84
Twinstar
Restrictions
0.40% 1.96x $10,000 7275.13
Gesa
Restrictions
0.40% 1.96x $25,000 7084.64
Cheney
Restrictions
0.40% 1.96x $25,000 7042.66
Kitsap
Restrictions
0.35% 1.72x $25,000 7282.92
Wings Financial
Restrictions
0.35% 1.72x $5,000 7263.50
Red Canoe
Restrictions
0.35% 1.72x $500 7253.81
Fibre
Restrictions
0.35% 1.72x $5,000 7253.52
Cheney
Restrictions
0.35% 1.72x $5,000 7042.66
Northwest Plus
Restrictions
0.35% 1.72x $25,000 7275.53
0.35% 1.72x $5 7265.09
Snocope
Restrictions
0.30% 1.47x $10,000 7276.01
0.30% 1.47x $25,000 7294.78
Great Northwest
Restrictions
0.30% 1.47x $25,001 7321.29
Kitsap
Restrictions
0.30% 1.47x $1,000 7282.92
O Bee
Restrictions
0.30% 1.47x $1,000 7278.60
Wings Financial
Restrictions
0.30% 1.47x $25,000 7263.50
Cheney
Restrictions
0.30% 1.47x $2,500 7042.66
Northwest Plus
Restrictions
0.30% 1.47x $10,000 7275.53
Gesa
Restrictions
0.30% 1.47x $10,000 7084.64
Star Usa
Restrictions
0.25% 1.23x $50,000 -
0.25% 1.23x $1,000 7225.94
Alaska Usa
Restrictions
0.25% 1.23x $25,000 7270.79
0.25% 1.23x $2,500 7313.04
0.25% 1.23x $1 7283.13
Numerica
Restrictions
0.25% 1.23x $10,000 7030.93
0.25% 1.23x $10,000 7294.78
Qualstar
Restrictions
0.25% 1.23x $1 7261.99
0.25% 1.23x $1,000 7268.32
Fibre
Restrictions
0.25% 1.23x $1,500 7253.52
Hapo Community
Restrictions
0.25% 1.23x $5,000 7084.84
Lewis Clark
Restrictions
0.25% 1.23x $25 6984.16
Great Northwest
Restrictions
0.25% 1.23x $2,500 7321.29
Verity
Restrictions
0.25% 1.23x $10,000 7274.84
Gesa
Restrictions
0.25% 1.23x $1 7084.64
Northwest Plus
Restrictions
0.25% 1.23x $2,000 7275.53
Spokane
Restrictions
0.25% 1.23x $25,000 7041.17
Gesa
Restrictions
0.20% 0.98x $2,500 7084.64
Unitus Community
Restrictions
0.20% 0.98x $25,000 7216.07
Spokane
Restrictions
0.20% 0.98x $10,000 7041.17
Coulee Dam
Restrictions
0.20% 0.98x $10,000 7124.22
Mountaincrest
Restrictions
0.20% 0.98x $2,500 7276.55
Snocope
Restrictions
0.20% 0.98x $750 7276.01
North Coast
Restrictions
0.20% 0.98x $100 7313.96
Horizon
Restrictions
0.20% 0.98x $25,000 7034.44
Spokane Teachers
Restrictions
0.20% 0.98x $10,000 7026.37
0.20% 0.98x $5,000 7273.88
Wings Financial
Restrictions
0.20% 0.98x $5,000 7263.50
Red Canoe
Restrictions
0.20% 0.98x $5 7253.81
Hapo Community
Restrictions
0.20% 0.98x $2,500 7084.84
Solarity
Restrictions
0.20% 0.98x $20,000 7153.23
Verity
Restrictions
0.20% 0.98x $1 7274.84
Alaska Usa
Restrictions
0.20% 0.98x $10,000 7270.79
Progressions
Restrictions
0.20% 0.98x $10,000 4812.44
Cheney
Restrictions
0.20% 0.98x $20 7042.66
Star Usa
Restrictions
0.15% 0.74x $2,500 -
0.15% 0.74x $2,500 7294.78
Global
Restrictions
0.15% 0.74x $1 7041.44
Mountaincrest
Restrictions
0.15% 0.74x $5 7276.55
Unitus Community
Restrictions
0.15% 0.74x $10,000 7216.07
0.15% 0.74x $25,000 7315.06
Westedge
Restrictions
0.15% 0.74x $25,000 7313.18
Spokane Teachers
Restrictions
0.15% 0.74x $1 7026.37
Numerica
Restrictions
0.15% 0.74x $1 7030.93
Snocope
Restrictions
0.15% 0.74x $300 7276.01
Great Northwest
Restrictions
0.15% 0.74x $1,001 7321.29
Wings Financial
Restrictions
0.15% 0.74x $1 7263.50
Twinstar
Restrictions
0.15% 0.74x $1,000 7275.13
Fibre
Restrictions
0.15% 0.74x $50 7253.52
Nw Priority
Restrictions
0.15% 0.74x $1 7220.72
Alaska Usa
Restrictions
0.15% 0.74x $2,500 7270.79
Spokane
Restrictions
0.15% 0.74x $1 7041.17
Progressions
Restrictions
0.15% 0.74x $2,000 4812.44
Northwest Plus
Restrictions
0.15% 0.74x $5 7275.53
Hapo Community
Restrictions
0.11% 0.54x $1 7084.84
Star Usa
Restrictions
0.10% 0.49x $10 -
Unitus Community
Restrictions
0.10% 0.49x $1 7216.07
Harborstone
Restrictions
0.10% 0.49x $1 7265.67
0.10% 0.49x $5 7268.32
Onpoint Community
Restrictions
0.10% 0.49x $10,000 6211.77
0.10% 0.49x $5 7315.06
Westedge
Restrictions
0.10% 0.49x $50 7313.18
Numerica
Restrictions
0.10% 0.49x $1 7030.93
Our Community
Restrictions
0.10% 0.49x $1,000 7294.83
0.10% 0.49x $2,500 7273.88
0.10% 0.49x $25,000 7225.65
Iq
Restrictions
0.10% 0.49x $10,000 7225.83
Solarity
Restrictions
0.10% 0.49x $2,000 7153.23
Alaska Usa
Restrictions
0.10% 0.49x $50 7270.79
Progressions
Restrictions
0.10% 0.49x $2,000 4812.44
Granco
Restrictions
0.10% 0.49x $5 7130.16
Global
Restrictions
0.08% 0.39x $1 7041.44
O Bee
Restrictions
0.07% 0.34x $1 7278.60
0.06% 0.29x $10,000 7225.65
Star Usa
Restrictions
0.05% 0.25x $5 -
Twinstar
Restrictions
0.05% 0.25x $100 7275.13
Solarity
Restrictions
0.05% 0.25x $1 7153.23
Horizon
Restrictions
0.05% 0.25x $250 7034.44
Coulee Dam
Restrictions
0.05% 0.25x $500 7124.22
Sound
Restrictions
0.05% 0.25x $100 7264.32
Verity
Restrictions
0.05% 0.25x $1 7274.84
Kitsap
Restrictions
0.05% 0.25x $25 7282.92
0.05% 0.25x $25 7273.88
First Technology
Restrictions
0.05% 0.25x $5 7217.18
0.05% 0.25x $5 7225.94
Iq
Restrictions
0.05% 0.25x $100 7225.83
Onpoint Community
Restrictions
0.05% 0.25x $1 6211.77
Unitus Community
Restrictions
0.05% 0.25x $5 7216.07
Lower Valley
Restrictions
0.05% 0.25x $50 7106.81
Gesa
Restrictions
0.05% 0.25x $5 7084.64
Spokane
Restrictions
0.05% 0.25x $5 7041.17
0.03% 0.15x $100 7294.78
0.03% 0.15x $1 7225.65
Tapco
Restrictions
0.01% 0.05x $25 7257.57
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Credit Union Savings Accounts 2019

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

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.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

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.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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