Best Local Bank Savings and Money Market Rates in Des Moines, Washington, WA October 29, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Des Moines, WA - October 29, 2025

Savings Account National Average Rate: 0.44% ^?

Banks	APY	MIN
PiBank, a division of Intercredit Bank, NA	4.60%	$0	Learn More
Last change: ↓ 0.15% on February 3.
rudy cecchini-1757884975 \| Sep 14, 2025 These people SUCK!!!!! After days of jumping through hoops proving I am a citizen; have a valid driver's license; pay my bills on time; etc. they declined my application and would NOT give a reason. I got... Read More Reviews (2)
Vio Bank, A Division of MidFirst Bank	4.26%	$0	Learn More
Last change: ↓ 0.05% on October 20.
Rate History: 1.10% → 4.31% → 4.26%
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 Reviews (39)
Jenius Bank, a division of Sumitomo Mitsui Bank	4.20%	$0	Learn More
Last change: ↓ 0.30% on March 12.
Rate History: 5.25% → 5.05% → 4.80% → 4.50% → 4.20%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Jenius Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, an... Read More Reviews (2)
Vio Bank, A Division of MidFirst Bank	4.10%	$100	Learn More
Cornerstone Money Market Account. Bank reports that this account is available to new customers only. Old account holders in the savings product are earning 1.10%. Rate History: 4.41% → 4.36% → 4.31% → 4.15% → 4.10%
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 Reviews (39)
Popular Direct	4.05%	$100	Learn More
Direct Savings. Bank reports that this rate is available for new accounts only. Last change: ↓0.05% on October 6. Rate History: 4.20% → 4.10% → 4.05% → 4.10% → 4.05%
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 Reviews (30)
U.S. Bank National Association Seattle Main Branch	4.00%	$25,000	Learn More
Rate History: 4.16% → 4.25% → 3.75% → 0.25% → 4.00%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Sallie Mae Bank	3.90%	$0	Learn More
Last change: ↓ 0.20% on February 6.
Rate History: 4.00% → 4.25% → 4.10% → 3.90%
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 Reviews (40)
Sallie Mae Bank	3.85%	$0	Learn More
Rate History: 4.20% → 4.10% → 4.10% → 3.90% → 3.85%
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 Reviews (40)
ConnectOne Bank	3.85% 3.75%	$250,000 $2,500	Learn More
Last change: ↓ 0.25% on September 3.
Rate History: 4.00% → 3.45% → 4.40% → 4.10% → 3.85%
praveen raj \| Jan 18, 2024 Hi, We've noticed your website is at risk due to spammy comments and contact form submissions, making it susceptible to issues like spammy backlinks and data breaches. Don't worry—there's a simple sol... Read More Reviews (19)
Beal Bank USA Seattle Branch	3.75%	$500	Learn More
Rate History: 4.25% → 3.75%
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 Reviews (3)
Morgan Stanley Private Bank (Offered through ETrade)	3.75%	$0	Learn More
Last change: ↓ 0.25% on September 23.
Rate History: 4.50% → 4.25% → 4.10% → 4.00% → 3.75%
FROZE-ACCOUNT \| Jan 10, 2024 Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More Reviews (3)
Washington Trust Bank Washington Trust Bank Branch	3.61% 3.56%	$1,000,000 $500,000	Learn More
Rate History: 1.00% → 3.72% → 3.61%
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 Reviews (1)
Bogota Savings Bank	3.56% 2.79%	$100,000 $50,000	Learn More Add Review
Banner Bank Banner Bank Branch	3.51% 2.69% 2.38% 2.02%	$1,000,000 $100,000 $50,000 $25,000	Learn More
Rate History: 1.00% → 3.56% → 3.51%
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 Reviews (1)
Sound Community Bank Westside Community Bank Branch	3.51% 2.94% 0.90%	$1,000,000 $100,000 $25,000	Learn More Add Review
Rate History: 4.54% → 4.07% → 3.82% → 3.76% → 3.51%
Beal Bank USA Seattle Branch	3.50%	$25,000	Learn More
Rate History: 4.00% → 3.50%
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 Reviews (3)
Seattle Bank Seattle Bank Branch	3.50% 3.40%	$1,000,000 $0	Learn More
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
HSBC Bank USA, National Association Seattle Branch	3.40% 0.01%	$1 $0	Learn More
Rate History: 3.75% → 3.70% → 3.60% → 3.50% → 3.40%
john \| Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More Reviews (3)
Northwest Bank Seattle Branch	3.05% 1.65% 1.55%	$500,000 $100,000 $0	Learn More Add Review
Rate History: 3.70% → 3.05%
Bank of Hope Tacoma Branch	3.05%	$1,000	Learn More
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 Reviews (1)
U.S. Bank National Association Seattle Main Branch	3.00% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50% → 3.00%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Umpqua Bank Stevenson Branch	3.00% 0.10% 0.05%	$100,000 $25,000 $0	Learn More
Rate History: 4.55% → 4.35% → 3.00%
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 Reviews (2)
Capital One, National Association	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Umpqua Bank Stevenson Branch	2.50% 1.00% 0.50%	$10,000 $1,000,000 $250,000	Learn More
Rate History: 4.40% → 4.20% → 2.50%
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 Reviews (2)
Seattle Bank Seattle Bank Branch	2.40%	$0	Learn More
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Washington Federal Bank Downtown Bellevue Branch	2.00% 1.50% 0.30% 0.15%	$500,000 $90,000 $15,000 $1,000	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Washington Trust Bank Washington Trust Bank Branch	1.31% 1.26% 1.21% 0.50% 0.40%	$1,000,000 $500,000 $100,000 $50,000 $1	Learn More
Rate History: 1.41% → 1.31%
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 Reviews (1)
Zions Bancorporation, N.A. Seattle Br Branch	1.30% 1.10% 0.80% 0.40%	$500,000 $250,000 $100,000 $5,000	Learn More Add Review
Rate History: 2.02% → 1.30%
Zions Bancorporation, N.A. Seattle Br Branch	0.95% 0.70% 0.30%	$1,000,000 $100,000 $1,000	Learn More Add Review
Rate History: 2.02% → 1.46% → 0.95%
Pacific Crest Savings Bank Pacific Crest Savings Bank Branch	0.50%	$2,500	Learn More Add Review
Freedom Bank (NJ)	0.40%	$0	Learn More Add Review
RiverBank Riverbank Branch	0.35%	$25,000	Learn More Add Review
Heritage Bank 56th Street Branch	0.30% 0.23% 0.15% 0.10% 0.08% 0.05% 0.03%	$500,000 $100,000 $75,000 $50,000 $25,000 $10,000 $0	Learn More Add Review
Rate History: 1.00% → 0.30%
Washington Trust Bank Washington Trust Bank Branch	0.25%	$1	Learn More
Rate History: 0.30% → 0.25%
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 Reviews (1)
Cathay Bank Kent North Branch	0.25% 0.20%	$1,000,000 $500,000	Learn More Add Review
Bank of Eastern Oregon Pasco Branch	0.25%	$2,500	Learn More Add Review
KeyBank National Association Granite Falls Branch	0.25%	$5,000	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
RiverBank Riverbank Branch	0.25%	$10,000	Learn More Add Review
Mountain Pacific Bank Mountain Pacific Bank Branch	0.25%	$2,500	Learn More Add Review
Liberty Bank Liberty Bay Bank Branch	0.25%	$10,000	Learn More Add Review
Raymond Federal Bank Raymond Federal Bank Branch	0.25%	$25,000	Learn More Add Review
RiverBank Riverbank Branch	0.21%	$2,500	Learn More Add Review
First National Bank in Frankfort	0.20%	$0	Learn More Add Review
Cashmere Valley Bank Cashmere Valley Bank Branch	0.20%	$10,000	Learn More Add Review
East West Bank Washington First International Bank Branch	0.20%	$10,000	Learn More
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 Reviews (2)
Raymond Federal Bank Raymond Federal Bank Branch	0.20%	$10,000	Learn More Add Review
Yakima Federal Savings and Loan Association Yakima Federal Savings And Loan Asso Branch	0.20%	$25,000	Learn More
Unhappy customer \| Jan 21, 2024 Unhappy with YFS&L. Around Dec I had a CD that matured. I was out of the area overseas and I was unable to move the moneys from the CD into my regular savings account and the CD renewed at a much lower r... Read More Reviews (1)
Twin River Bank Asotin Branch	0.15%	$25,000	Learn More Add Review
SAVIBANK Savibank Branch	0.15%	$25,000	Learn More Add Review
RiverBank Riverbank Branch	0.15%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Fort Lewis Branch	0.15%	$25,000	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Kitsap Bank Kitsap Bank Branch	0.15%	$25,000	Learn More Add Review
Timberland Bank Elma Branch	0.15%	$25,000	Learn More Add Review
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	0.15%	$10,000	Learn More
noone \| Dec 24, 2018 they suck Read More Reviews (1)
East West Bank Washington First International Bank Branch	0.15%	$2,500	Learn More
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 Reviews (2)
First-Citizens Bank & Trust Company Lacy Branch	0.10%	$25	Learn More
Last change: ↑ 0.07% on March 26, 2024.
Rate History: 0.03% → 0.10%
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 Reviews (3)
Washington Federal Bank Downtown Bellevue Branch	0.10%	$100	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Twin River Bank Asotin Branch	0.10%	$10,000	Learn More Add Review
SAVIBANK Savibank Branch	0.10%	$2,500	Learn More Add Review
Coastal Community Bank Coastal Community Bank Branch	0.10%	$25,000	Learn More Add Review
State Bank Northwest State Bank Northwest Branch	0.10%	$10,000	Learn More Add Review
Armed Forces Bank, National Association Fort Lewis Branch	0.10%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Cashmere Valley Bank Cashmere Valley Bank Branch	0.10%	$2,500	Learn More Add Review
1st Security Bank of Washington Port Townsend Branch	0.10%	$10,000	Learn More Add Review
UniBank Unibank Branch	0.10%	$2,500	Learn More Add Review
Sound Community Bank Westside Community Bank Branch	0.10%	$100	Learn More Add Review
Kitsap Bank Kitsap Bank Branch	0.10%	$2,500	Learn More Add Review
Timberland Bank Elma Branch	0.10%	$2,500	Learn More Add Review
Liberty Bank Liberty Bay Bank Branch	0.10%	$2,500	Learn More Add Review
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	0.10%	$2,500	Learn More
noone \| Dec 24, 2018 they suck Read More Reviews (1)
United Business Bank Seattle Downtown Branch	0.10%	$25,000	Learn More
Small Company \| Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More Reviews (1)
Beneficial State Bank Mosler Branch	0.10%	$2,500	Learn More
Michael strubert \| Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More Reviews (1)
GBC International Bank Shoreline Bank Branch	0.10%	$2,500	Learn More
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 Reviews (1)
Raymond Federal Bank Raymond Federal Bank Branch	0.10%	$2,500	Learn More Add Review
Twin City Bank Twin City Bank Branch	0.10%	$2,500	Learn More Add Review
Riverview Community Bank Riverview Community Bank Branch	0.10%	$2,500	Learn More Add Review
Community First Bank Community First Bank Branch	0.10%	$25,000	Learn More Add Review
Zions Bancorporation, N.A. Seattle Br Branch	0.09% 0.03%	$100,000 $0	Learn More Add Review
Rate History: 0.19% → 0.09%
Bank of the Pacific Long Beach Branch	0.08%	$25,000	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
First-Citizens Bank & Trust Company Lacy Branch	0.07%	$25,000	Learn More
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 Reviews (3)
Twin City Bank Twin City Bank Branch	0.07%	$25,000	Learn More Add Review
Heritage Bank 56th Street Branch	0.06% 0.04%	$50,000 $0	Learn More Add Review
Coastal Community Bank Coastal Community Bank Branch	0.06%	$10,000	Learn More Add Review
Cathay Bank Kent North Branch	0.05%	$50,000	Learn More Add Review
Twin River Bank Asotin Branch	0.05%	$50	Learn More Add Review
Bank of Eastern Oregon Pasco Branch	0.05%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch	0.05%	$2,500	Learn More Add Review
Bank of the Pacific Long Beach Branch	0.05%	$2,500	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
SAVIBANK Savibank Branch	0.05%	$2,500	Learn More Add Review
Glacier Bank Twisp Branch	0.05%	$25,000	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
State Bank Northwest State Bank Northwest Branch	0.05%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Fort Lewis Branch	0.05%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Cashmere Valley Bank Cashmere Valley Bank Branch	0.05%	$2,500	Learn More Add Review
1st Security Bank of Washington Port Townsend Branch	0.05%	$2,500	Learn More Add Review
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	0.05%	$2,500	Learn More
noone \| Dec 24, 2018 they suck Read More Reviews (1)
East West Bank Washington First International Bank Branch	0.05%	$2,500	Learn More
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 Reviews (2)
United Business Bank Seattle Downtown Branch	0.05%	$2,500	Learn More
Small Company \| Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More Reviews (1)
GBC International Bank Shoreline Bank Branch	0.05%	$2,500	Learn More
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 Reviews (1)
Twin City Bank Twin City Bank Branch	0.05%	$2,500	Learn More Add Review
Riverview Community Bank Riverview Community Bank Branch	0.05%	$2,500	Learn More Add Review
Yakima Federal Savings and Loan Association Yakima Federal Savings And Loan Asso Branch	0.05%	$2,500	Learn More
Unhappy customer \| Jan 21, 2024 Unhappy with YFS&L. Around Dec I had a CD that matured. I was out of the area overseas and I was unable to move the moneys from the CD into my regular savings account and the CD renewed at a much lower r... Read More Reviews (1)
Bank of America, National Association Poulsbo Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
Community First Bank Community First Bank Branch	0.04%	$10,000	Learn More Add Review
Bank of the Pacific Long Beach Branch	0.03%	$2,500	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
Coastal Community Bank Coastal Community Bank Branch	0.03%	$2,500	Learn More Add Review
Glacier Bank Twisp Branch	0.03%	$2,500	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Community First Bank Community First Bank Branch	0.03%	$2,500	Learn More Add Review
Kitsap Bank Kitsap Bank Branch	0.03%	$2,500	Learn More Add Review
Glacier Bank Twisp Branch	0.02%	$10,000	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Community First Bank Community First Bank Branch	0.02%	$2,500	Learn More Add Review
Baker-Boyer National Bank Baker-Boyer National Bank Branch	0.02%	$2,500	Learn More
Doc \| Sep 5, 2020 My investment accounts managed by them are the worst of all of my accounts. In the last 10 years any gain they have made has been offers by fees. The tag my loan account with late fees despite my on t... Read More Reviews (1)
JPMorgan Chase Bank, National Association Vancouver Branch	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
Wells Fargo Bank, National Association First Hill Branch	0.01%	$1	Learn More
Rate History: 0.15% → 0.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
Umpqua Bank Stevenson Branch	0.01%	$0	Learn More
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 Reviews (2)
KeyBank National Association Granite Falls Branch	0.01%	$1	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
First Interstate Bank Lynnwood Branch	0.01%	$2,500	Learn More
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 Reviews (2)
Glacier Bank Twisp Branch	0.01%	$2,500	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
1st Security Bank of Washington Port Townsend Branch	0.01%	$2,500	Learn More Add Review
Timberland Bank Elma Branch	0.01%	$2,500	Learn More Add Review

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.

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Branches Info around Des-moines, Washington

Branch	Street	City	State
U.S. Bank National Association Seattle Main Branch	1420 Fifth Avenue	Seattle	WA
Beal Bank USA Seattle Branch	10900 N.E. 4th Street, Suite 110	Bellevue	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Banner Bank Banner Bank Branch	104 W. Owen	Uniontown	WA
Sound Community Bank Westside Community Bank Branch	4922 Bridgeport Way West	University Place	WA
Beal Bank USA Seattle Branch	10900 N.E. 4th Street, Suite 110	Bellevue	WA
Seattle Bank Seattle Bank Branch	600 University Street, Suite 1850	Seattle	WA
HSBC Bank USA, National Association Seattle Branch	523 Union St.	Seattle	WA
Seattle Bank Seattle Bank Branch	600 University Street, Suite 1850	Seattle	WA
Northwest Bank Seattle Branch	925 Fourth Avenue, Suite 100	Seattle	WA
Bank of Hope Tacoma Branch	8608 South Tacoma Way	Lakewood	WA
U.S. Bank National Association Seattle Main Branch	1420 Fifth Avenue	Seattle	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Sound Community Bank Westside Community Bank Branch	4922 Bridgeport Way West	University Place	WA
Banner Bank Banner Bank Branch	104 W. Owen	Uniontown	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Seattle Bank Seattle Bank Branch	600 University Street, Suite 1850	Seattle	WA
Banner Bank Banner Bank Branch	104 W. Owen	Uniontown	WA
Banner Bank Banner Bank Branch	104 W. Owen	Uniontown	WA
Washington Federal Bank Downtown Bellevue Branch	400 108th Avenue, N.E., Suite 104	Bellevue	WA
Northwest Bank Seattle Branch	925 Fourth Avenue, Suite 100	Seattle	WA
Northwest Bank Seattle Branch	925 Fourth Avenue, Suite 100	Seattle	WA
Washington Federal Bank Downtown Bellevue Branch	400 108th Avenue, N.E., Suite 104	Bellevue	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Sound Community Bank Westside Community Bank Branch	4922 Bridgeport Way West	University Place	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Pacific Crest Savings Bank Pacific Crest Savings Bank Branch	3500 188th Street, S.W., Suite 575	Lynnwood	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
RiverBank Riverbank Branch	202 E. Spokane Falls Boulevard, Suite 500	Spokane	WA
Washington Federal Bank Downtown Bellevue Branch	400 108th Avenue, N.E., Suite 104	Bellevue	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Washington Trust Bank Washington Trust Bank Branch	717 W Sprague Avenue	Spokane	WA
Cathay Bank Kent North Branch	18030 East Valley Highway	Kent	WA
Bank of Eastern Oregon Pasco Branch	5205 N Road 68	Pasco	WA
KeyBank National Association Granite Falls Branch	117 South Granite Avenue	Granite Falls	WA
RiverBank Riverbank Branch	202 E. Spokane Falls Boulevard, Suite 500	Spokane	WA
Mountain Pacific Bank Mountain Pacific Bank Branch	3732 Broadway	Everett	WA
Liberty Bank Liberty Bay Bank Branch	19917 Seventh Avenue Ne	Poulsbo	WA
Connect Community Bank Raymond Federal Bank Branch	202 Duryea St	Raymond	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
RiverBank Riverbank Branch	202 E. Spokane Falls Boulevard, Suite 500	Spokane	WA
Cathay Bank Kent North Branch	18030 East Valley Highway	Kent	WA
Cashmere Valley Bank Cashmere Valley Bank Branch	117 Aplets Way	Cashmere	WA
East West Bank Washington First International Bank Branch	9709 Third Avenue, N.E. Suite 110	Seattle	WA
Connect Community Bank Raymond Federal Bank Branch	202 Duryea St	Raymond	WA
Yakima Federal Savings and Loan Association Yakima Federal Savings And Loan Asso Branch	118 East Yakima Ave	Yakima	WA
Washington Federal Bank Downtown Bellevue Branch	400 108th Avenue, N.E., Suite 104	Bellevue	WA
Twin River Bank Asotin Branch	201 2nd Street	Asotin	WA
SAVIBANK Savibank Branch	1854 South Burlington Boulevard	Burlington	WA
RiverBank Riverbank Branch	202 E. Spokane Falls Boulevard, Suite 500	Spokane	WA
Armed Forces Bank, National Association Fort Lewis Branch	Pendleton Avenue & North 12th Street	Fort Lewis	WA
Kitsap Bank Kitsap Bank Branch	619 Bay Street	Port Orchard	WA
Timberland Bank Elma Branch	313 Waldrip Street	Elma	WA
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	421 Capitol Way S	Olympia	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
East West Bank Washington First International Bank Branch	9709 Third Avenue, N.E. Suite 110	Seattle	WA
First-Citizens Bank & Trust Company Lacy Branch	721 College Street	Lacey	WA
Washington Federal Bank Downtown Bellevue Branch	400 108th Avenue, N.E., Suite 104	Bellevue	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Twin River Bank Asotin Branch	201 2nd Street	Asotin	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
SAVIBANK Savibank Branch	1854 South Burlington Boulevard	Burlington	WA
Coastal Community Bank Coastal Community Bank Branch	5415 Evergreen Way	Everett	WA
State Bank Northwest State Bank Northwest Branch	12902 East Sprague Avenue	Spokane Valley	WA
Armed Forces Bank, National Association Fort Lewis Branch	Pendleton Avenue & North 12th Street	Fort Lewis	WA
Cashmere Valley Bank Cashmere Valley Bank Branch	117 Aplets Way	Cashmere	WA
1st Security Bank of Washington Port Townsend Branch	734 Water Street	Port Townsend	WA
UniBank Unibank Branch	19315 Highway 99	Lynnwood	WA
Sound Community Bank Westside Community Bank Branch	4922 Bridgeport Way West	University Place	WA
Kitsap Bank Kitsap Bank Branch	619 Bay Street	Port Orchard	WA
Timberland Bank Elma Branch	313 Waldrip Street	Elma	WA
Liberty Bank Liberty Bay Bank Branch	19917 Seventh Avenue Ne	Poulsbo	WA
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	421 Capitol Way S	Olympia	WA
United Business Bank Seattle Downtown Branch	520 Pike Street, Suite 2750	Seattle	WA
Beneficial State Bank Mosler Branch	2720 South Third Ave	Seattle	WA
GBC International Bank Shoreline Bank Branch	16001 Aurora Avenue North	Shoreline	WA
Connect Community Bank Raymond Federal Bank Branch	202 Duryea St	Raymond	WA
Twin City Bank Twin City Bank Branch	729 Vandercook Way	Longview	WA
Riverview Bank Riverview Community Bank Branch	900 Washington, Suite 900	Vancouver	WA
Community First Bank Community First Bank Branch	6401 West Clearwater Avenue	Kennewick	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Bank of the Pacific Long Beach Branch	Pacific Ave. South & 10th St. South	Long Beach	WA
First-Citizens Bank & Trust Company Lacy Branch	721 College Street	Lacey	WA
Twin City Bank Twin City Bank Branch	729 Vandercook Way	Longview	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Coastal Community Bank Coastal Community Bank Branch	5415 Evergreen Way	Everett	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
Cathay Bank Kent North Branch	18030 East Valley Highway	Kent	WA
Twin River Bank Asotin Branch	201 2nd Street	Asotin	WA
Bank of Eastern Oregon Pasco Branch	5205 N Road 68	Pasco	WA
Peoples Bank of Bellingham, Washington Peoples Bank Branch	3100 Woburn Street	Bellingham	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Bank of the Pacific Long Beach Branch	Pacific Ave. South & 10th St. South	Long Beach	WA
SAVIBANK Savibank Branch	1854 South Burlington Boulevard	Burlington	WA
Glacier Bank Twisp Branch	North 101 Methow Valley Highway	Twisp	WA
State Bank Northwest State Bank Northwest Branch	12902 East Sprague Avenue	Spokane Valley	WA
Armed Forces Bank, National Association Fort Lewis Branch	Pendleton Avenue & North 12th Street	Fort Lewis	WA
Cashmere Valley Bank Cashmere Valley Bank Branch	117 Aplets Way	Cashmere	WA
1st Security Bank of Washington Port Townsend Branch	734 Water Street	Port Townsend	WA
Olympia Federal Savings and Loan Association Olympia Federal Savings And Loan Ass Branch	421 Capitol Way S	Olympia	WA
East West Bank Washington First International Bank Branch	9709 Third Avenue, N.E. Suite 110	Seattle	WA
United Business Bank Seattle Downtown Branch	520 Pike Street, Suite 2750	Seattle	WA
GBC International Bank Shoreline Bank Branch	16001 Aurora Avenue North	Shoreline	WA
Twin City Bank Twin City Bank Branch	729 Vandercook Way	Longview	WA
Riverview Bank Riverview Community Bank Branch	900 Washington, Suite 900	Vancouver	WA
Yakima Federal Savings and Loan Association Yakima Federal Savings And Loan Asso Branch	118 East Yakima Ave	Yakima	WA
U.S. Bank National Association Seattle Main Branch	1420 Fifth Avenue	Seattle	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Bank of America, National Association Poulsbo Branch	19255 Jensen Way, N.E.	Poulsbo	WA
Community First Bank Community First Bank Branch	6401 West Clearwater Avenue	Kennewick	WA
Zions Bank Seattle Br Branch	601 Union Street, Suite 3600	Seattle	WA
Heritage Bank 56th Street Branch	5448 South Tacoma Way	Tacoma	WA
Bank of the Pacific Long Beach Branch	Pacific Ave. South & 10th St. South	Long Beach	WA
Coastal Community Bank Coastal Community Bank Branch	5415 Evergreen Way	Everett	WA
Glacier Bank Twisp Branch	North 101 Methow Valley Highway	Twisp	WA
Community First Bank Community First Bank Branch	6401 West Clearwater Avenue	Kennewick	WA
Kitsap Bank Kitsap Bank Branch	619 Bay Street	Port Orchard	WA
Glacier Bank Twisp Branch	North 101 Methow Valley Highway	Twisp	WA
Community First Bank Community First Bank Branch	6401 West Clearwater Avenue	Kennewick	WA
Baker-Boyer National Bank Baker-Boyer National Bank Branch	7 West Main St	Walla Walla	WA
JPMorgan Chase Bank, National Association Vancouver Branch	1205 Broadway	Vancouver	WA
Wells Fargo Bank, National Association First Hill Branch	1317 Madison Street	Seattle	WA
Columbia Bank Stevenson Branch	167 Ne 2nd St	Stevenson	WA
HSBC Bank USA, National Association Seattle Branch	523 Union St.	Seattle	WA
KeyBank National Association Granite Falls Branch	117 South Granite Avenue	Granite Falls	WA
First Interstate Bank Lynnwood Branch	2502 196th Street, S.W.	Lynnwood	WA
Glacier Bank Twisp Branch	North 101 Methow Valley Highway	Twisp	WA
1st Security Bank of Washington Port Townsend Branch	734 Water Street	Port Townsend	WA
Timberland Bank Elma Branch	313 Waldrip Street	Elma	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 LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.