Washington

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Washington Credit Union Savings Rates

You are viewing savings rates from credit unions across Washington

 

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.

WA - June 30, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

Rate History: 7.00% → 5.00%

| 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

Rate History: 2.32% → 4.75% → 4.00% → 4.25%

Rate History: 4.52% → 4.99% → 4.07%

Rate History: 3.80% → 3.70% → 3.90% → 3.75% → 3.65%

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 2.78% → 2.68% → 2.63% → 2.53%

| 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

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 0.65% → 2.25%

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

2.00%

0.70%

$1,000,000

$100,000
Learn More

| 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

1.25%

0.95%
0.90%
0.80%
0.75%

$100,000

$50,000
$25,000
$10,000
$0
Learn More

| 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

0.80%

$10,000

Learn More

0.65%

$5

Learn More

| 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

| 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

| 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

Rate History: 0.60% → 0.50%

0.50%

0.45%
0.40%
0.30%
0.25%
0.20%

$250,000

$100,000
$50,000
$25,000
$10,000
$5,000
Learn More

| 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

| 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

0.45%

0.40%
0.30%

$50,000

$10,000
$0
Learn More

0.35%

$2,500

Learn More

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 0.50% → 0.40% → 0.35% → 0.30%

0.30%

$25,000

Learn More

0.30%

$2,500

Learn More

| 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

0.30%

$25,000

Learn More

0.30%

$25,000

Learn More

Rate History: 0.35% → 0.25%

| Aug 31, 2020

Great rates and fast loans Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

0.25%

$10,000

Learn More

| 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

0.25%

$25,000

Learn More

0.25%

$25,000

Learn More

0.25%

$10,000

Learn More

0.25%

$10,000

Learn More

0.25%

$25,000

Learn More

0.25%

$2,500

Learn More

0.25%

$10,000

Learn More

0.25%

0.20%

$100,000

$50,000
Learn More

0.23%

$10,000

Learn More

Edu


Restrictions

0.20%

$0

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

| 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

0.20%

$10,000

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

| 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

| 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

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

| 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

| Aug 31, 2020

Great rates and fast loans Read More

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

| 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

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.11%

$25,000

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Iq

Iq Branch
Restrictions

0.10%

$10,000

Learn More

Rate History: 0.25% → 0.15% → 0.10%

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$0

Learn More

0.10%

$10,000

Learn More

0.10%

$25,000

Learn More

0.10%

$10,000

Learn More

0.08%

$10,000

Learn More

0.08%

$2,500

Learn More

| 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

| Aug 31, 2020

Great rates and fast loans Read More

Iq

Iq Branch
Restrictions

0.05%

$100

Learn More

0.05%

$2,500

Learn More

| 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

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| 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

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Rate History: 0.20% → 0.10% → 0.05%

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$10,000

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.03%

$100

Learn More

0.03%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

| 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

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More
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.


Branches Info across Washington


Branch Street City State
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
6711 NE 63rd St. Vancouver WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
WINGS FINANCIAL
Wings Financial Wings Financial Branch
1800 International Blvd. Suite 107 Seatac WA
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
6711 NE 63rd St. Vancouver WA
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
6711 NE 63rd St. Vancouver WA
BOEING EMPLOYEES
Auburn Neighborhood Financial Center Auburn Neighborhood Financial Center Branch
205 10th St NE Auburn WA
BOEING EMPLOYEES
Auburn Neighborhood Financial Center Auburn Neighborhood Financial Center Branch
205 10th St NE Auburn WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
SPOKANE TEACHERS
Spokane Teachers Spokane Teachers Branch
1620 N Signal Dr Liberty Lake WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
HARBORSTONE
Harborstone Harborstone Branch
9611 Gravelly Lk Dr Sw Lakewood WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
SPOKANE TEACHERS
Spokane Teachers Spokane Teachers Branch
1620 N Signal Dr Liberty Lake WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
SPOKANE TEACHERS
Spokane Teachers Spokane Teachers Branch
1620 N Signal Dr Liberty Lake WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
QUALSTAR
Qualstar Qualstar Branch
2121 152nd Ave NE Redmond WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
AVISTA CORP.
Avista Corp. Avista Corp. Branch
1411 East Mission Avenue Spokane WA
TAPCO
Tapco Tapco Branch
6312 19th St W Tacoma WA
TAPCO
Tapco Tapco Branch
6312 19th St W Tacoma WA
TAPCO
Tapco Tapco Branch
6312 19th St W Tacoma WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
HARBORSTONE
Harborstone Harborstone Branch
9611 Gravelly Lk Dr Sw Lakewood WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
KITSAP
Puget Sound Naval Shipyard Puget Sound Naval Shipyard Branch
886 Barclay St Bremerton WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
BOEING EMPLOYEES
Auburn Neighborhood Financial Center Auburn Neighborhood Financial Center Branch
205 10th St NE Auburn WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
NORTHWEST PLUS
Marysville Marysville Branch
9417 State Ave Marysville WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
SOUND
Sound Sound Branch
1331 Broadway Plaza Tacoma WA
TWINSTAR
Twinstar Twinstar Branch
4525 INTELCO LOOP SE LACEY WA
RED CANOE
Red Canoe Red Canoe Branch
1418 15th Ave Longview WA
FIBRE
Fibre Fibre Branch
796 Commerce Avenue Longview WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
18110 SE 34th St. Vancouver WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
4980 Auto Center Way Bremerton WA
NORTHWEST PLUS
Marysville Marysville Branch
9417 State Ave Marysville WA
NUMERICA
Numerica Numerica Branch
14610 E. Sprague Ave Spokane Valley WA
CANOPY
Spokane Spokane Branch
601 W Mallon Spokane WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
CHENEY
Cheney Cheney Branch
520 First Street Cheney WA
SNOCOPE
Snocope Credit Union Snocope Credit Union Branch
3130 Rockefeller Ave Everett WA
VERITY
Auburn Branch Auburn Branch
1424 Outlet Collection Way SW Ste 200 Auburn WA
GREAT NORTHWEST
Great Northwest Great Northwest Branch
301 West Wishkah Street Aberdeen WA
RED CANOE
Red Canoe Red Canoe Branch
1418 15th Ave Longview WA
TRI-CITIES COMMUNITY
Tri-cities Community Tri-cities Community Branch
2626 W Kennewick Ave Kennewick WA
LEWIS CLARK
Pomeroy Office Pomeroy Office Branch
850 W Main St Pomeroy WA
WINGS FINANCIAL
Wings Financial Wings Financial Branch
1800 International Blvd. Suite 107 Seatac WA
CHENEY
Cheney Cheney Branch
520 First Street Cheney WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
WINGS FINANCIAL
Wings Financial Wings Financial Branch
1800 International Blvd. Suite 107 Seatac WA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
18110 SE 34th St. Vancouver WA
NORTH COAST
North Coast North Coast Branch
1100 Dupont Street Bellingham WA
NORTHWEST PLUS
Marysville Marysville Branch
9417 State Ave Marysville WA
NUMERICA
Numerica Numerica Branch
14610 E. Sprague Ave Spokane Valley WA
CANOPY
Spokane Spokane Branch
601 W Mallon Spokane WA
COULEE DAM
Coulee Dam Federal Credit Union Coulee Dam Federal Credit Union Branch
402 N COLUMBIA AVE COULEE DAM WA
GESA
Gesa Gesa Branch
51 Gage Blvd Richland WA
CHENEY
Cheney Cheney Branch
520 First Street Cheney WA
PROGRESSIONS
Main Branch Main Branch
2919 E Mission AVE Spokane WA
MOUNTAINCREST
Mountaincrest Mountaincrest Branch
3710 168th St. NE Suite A108 Arlington WA
GREAT NORTHWEST
Great Northwest Great Northwest Branch
301 West Wishkah Street Aberdeen WA
TWINSTAR
Twinstar Twinstar Branch
4525 INTELCO LOOP SE LACEY WA
O BEE
O Bee O Bee Branch
3900 CLEVELAND AVE TUMWATER WA
FIBRE
Fibre Fibre Branch
796 Commerce Avenue Longview WA
TRI-CITIES COMMUNITY
Tri-cities Community Tri-cities Community Branch
2626 W Kennewick Ave Kennewick WA
LEWIS CLARK
Pomeroy Office Pomeroy Office Branch
850 W Main St Pomeroy WA
O BEE
O Bee O Bee Branch
3900 CLEVELAND AVE TUMWATER WA
WASHINGTON STATE EMPLOYEES
Washington State Emp Washington State Emp Branch
330 E UNION OLYMPIA WA
WINGS FINANCIAL
Wings Financial Wings Financial Branch
1800 International Blvd. Suite 107 Seatac WA
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
6711 NE 63rd St. Vancouver WA
WHATCOM EDUCATIONAL
Whatcom Educational Whatcom Educational Branch
600 E Holly St Bellingham WA
INDUSTRIAL CU OF WHATCOM COUNTY
Industrial Cu Of Wha Industrial Cu Of Wha Branch
1100 N STATE STREET BELLINGHAM WA
WESTEDGE
Gapac Community Gapac Community Branch
2501 James Street Bellingham WA
NORTHWEST PLUS
Marysville Marysville Branch
9417 State Ave Marysville WA
HORIZON
Horizon Horizon Branch
13224 E Mansfield Avenue, Suite 300 Spokane Valley WA
SPOKANE TEACHERS
Spokane Teachers Spokane Teachers Branch
1620 N Signal Dr Liberty Lake WA
NUMERICA
Numerica Numerica Branch
14610 E. Sprague Ave Spokane Valley WA
CANOPY
Spokane Spokane Branch
601 W Mallon Spokane WA
GLOBAL
Global Global Branch
1520 W. THIRD AVE SPOKANE WA
COULEE DAM
Coulee Dam Federal Credit Union Coulee Dam Federal Credit Union Branch
402 N COLUMBIA AVE COULEE DAM WA
CHENEY
Cheney Cheney Branch
520 First Street Cheney WA
PROGRESSIONS
Main Branch Main Branch
2919 E Mission AVE Spokane WA
MOUNTAINCREST
Mountaincrest Mountaincrest Branch
3710 168th St. NE Suite A108 Arlington WA
QUALSTAR
Qualstar Qualstar Branch
2121 152nd Ave NE Redmond WA
SEATTLE METROPOLITAN
Seattle Metropolitan Seattle Metropolitan Branch
801 3rd Ave Seattle WA
AMERICA'S CREDIT UNION, A
Lakewood Lakewood Branch
6310 Mount Tacoma Dr SW Lakewood WA
FIBRE
Fibre Fibre Branch
796 Commerce Avenue Longview WA
HAPO COMMUNITY
Hapo Community Hapo Community Branch
601 Williams Blvd Richland WA
GRANCO
Granco Granco Branch
217 Alder St SW Ephrata WA
LEWIS CLARK
Pomeroy Office Pomeroy Office Branch
850 W Main St Pomeroy WA
PENINSULA COMMUNITY
Peninsula Community Peninsula Community Branch
521 W. Railroad Avenue Shelton WA
TRI-CITIES COMMUNITY
Tri-cities Community Tri-cities Community Branch
2626 W Kennewick Ave Kennewick WA
GLOBAL
Alaska Usa Alaska Usa Branch
2401 4th Avenue, Suite 100 Seattle WA
IQ
Iq Iq Branch
1313 Main Street Vancouver WA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
18110 SE 34th St. Vancouver WA
INDUSTRIAL CU OF WHATCOM COUNTY
Industrial Cu Of Wha Industrial Cu Of Wha Branch
1100 N STATE STREET BELLINGHAM WA
WESTEDGE
Gapac Community Gapac Community Branch
2501 James Street Bellingham WA
HORIZON
Horizon Horizon Branch
13224 E Mansfield Avenue, Suite 300 Spokane Valley WA
PROGRESSIONS
Main Branch Main Branch
2919 E Mission AVE Spokane WA
SNOCOPE
Snocope Credit Union Snocope Credit Union Branch
3130 Rockefeller Ave Everett WA
SEATTLE METROPOLITAN
Seattle Metropolitan Seattle Metropolitan Branch
801 3rd Ave Seattle WA
VERITY
Auburn Branch Auburn Branch
1424 Outlet Collection Way SW Ste 200 Auburn WA
GREAT NORTHWEST
Great Northwest Great Northwest Branch
301 West Wishkah Street Aberdeen WA
OUR COMMUNITY
Mccleary Branch Mccleary Branch
424 W Simpson Ave McCleary WA
AMERICA'S CREDIT UNION, A
Lakewood Lakewood Branch
6310 Mount Tacoma Dr SW Lakewood WA
RED CANOE
Red Canoe Red Canoe Branch
1418 15th Ave Longview WA
COLUMBIA COMMUNITY
Orchards Branch Orchards Branch
11505 NE Fourth Plain Blvd Ste A Vancouver WA
NW PRIORITY
Nw Priority Nw Priority Branch
11215 NE 28th St Vancouver WA
UNITUS COMMUNITY
Unitus Community Unitus Community Branch
800 SE 192nd Avenue Vancouver WA
HAPO COMMUNITY
Hapo Community Hapo Community Branch
601 Williams Blvd Richland WA
PENINSULA COMMUNITY
Peninsula Community Peninsula Community Branch
521 W. Railroad Avenue Shelton WA
GLOBAL
Global Global Branch
1520 W. THIRD AVE SPOKANE WA
O BEE
O Bee O Bee Branch
3900 CLEVELAND AVE TUMWATER WA
IQ
Iq Iq Branch
1313 Main Street Vancouver WA
HORIZON
Horizon Horizon Branch
13224 E Mansfield Avenue, Suite 300 Spokane Valley WA
NUMERICA
Numerica Numerica Branch
14610 E. Sprague Ave Spokane Valley WA
CANOPY
Spokane Spokane Branch
601 W Mallon Spokane WA
SOUND
Sound Sound Branch
1331 Broadway Plaza Tacoma WA
LOWER VALLEY
Lower Valley Lower Valley Branch
301 S. 7th Street Sunnyside WA
VERITY
Auburn Branch Auburn Branch
1424 Outlet Collection Way SW Ste 200 Auburn WA
KITSAP
Puget Sound Naval Shipyard Puget Sound Naval Shipyard Branch
886 Barclay St Bremerton WA
TWINSTAR
Twinstar Twinstar Branch
4525 INTELCO LOOP SE LACEY WA
PENINSULA COMMUNITY
Peninsula Community Peninsula Community Branch
521 W. Railroad Avenue Shelton WA
AMERICA'S CREDIT UNION, A
Lakewood Lakewood Branch
6310 Mount Tacoma Dr SW Lakewood WA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
3003 77th Ave S E Mercer Island WA
PEOPLE'S COMMUNITY
People's Community People's Community Branch
7403 NE Hazel Dell Ave. Vancouver WA
NW PRIORITY
Nw Priority Nw Priority Branch
11215 NE 28th St Vancouver WA
UNITUS COMMUNITY
Unitus Community Unitus Community Branch
800 SE 192nd Avenue Vancouver WA
HAPO COMMUNITY
Hapo Community Hapo Community Branch
601 Williams Blvd Richland WA
SOLARITY
Ellensburg Branch Ellensburg Branch
900 S Ruby St Ellensburg WA
PENINSULA COMMUNITY
Peninsula Community Peninsula Community Branch
521 W. Railroad Avenue Shelton WA
COULEE DAM
Coulee Dam Federal Credit Union Coulee Dam Federal Credit Union Branch
402 N COLUMBIA AVE COULEE DAM WA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
18110 SE 34th St. Vancouver WA
TAPCO
Tapco Tapco Branch
6312 19th St W Tacoma WA
COULEE DAM
Coulee Dam Federal Credit Union Coulee Dam Federal Credit Union Branch
402 N COLUMBIA AVE COULEE DAM WA
UNITUS COMMUNITY
Unitus Community Unitus Community Branch
800 SE 192nd Avenue Vancouver WA


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

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.

SAVINGS & CD CALCULATOR

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