Deposit Rates

Rates effective August 3rd, 2015

APY = Annual Percentage Yield

Savings Accounts

Family Savings AccountInterest RateAPY
Up to $49,9990.25%0.25%
$50,000 - $249,9990.40%0.40%
$250,000 and up0.55%0.55%
Personal & Business Basic Savings Interest RateAPY
 0.20%0.20%
Bank on Seattle (BOS) SavingsInterest RateAPY
 0.20%0.20%
College Savings (all balances)Interest RateAPY
 0.20%0.20%
Student Savings (all balances) Interest RateAPY
 0.20%0.20%

Tiered Rate MMA

 Interest RateAPY
Up to $4,9990.10%0.10%
$5,000 - $9,9990.10%0.10%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.20%0.20%
$100,000 - $499,9990.25%0.25%
$500,000 - $999,9990.30%0.30%
$1,000,000 - $2,499,9990.35%0.35%
$2,500,000 and up0.35%0.35%

Premier Checking & Business Interest Checking

Interest RateAPY
Up to $4,9990.05%0.05%
$5,000 - $9,9990.05%0.05%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.10%0.10%
$100,000 - $499,9990.20%0.20%
$500,000 - $999,9990.30%0.30%
$1,000,000 - $4,999,9990.30%0.30%
$5,000,000 and up0.30%0.30%

Checking Accounts

Checking AccountsInterest RateAPY
50+ Checking0.05%0.05%
IOLTA & IRETA0.05%0.05%

Certificates of Deposit

TermInterest RateAPY*
3 month0.25%0.25%
6 month0.40%0.40%
9 month0.55%0.55%
12 month0.75%0.75%
18 month Flex Rate0.25%0.25%
24 month1.04%1.05%
36 month1.19%1.20%
48 month1.34%1.35%
60 month1.73%1.75%

Business Analysis Checking

Business Analysis Checking AccountsEarnings Credit Rate
Up to $49,9990.15%
$50.000 - $99,9990.20%
$100,000 - $499,9990.30%
$500,000 - $999,9990.35%
$1,000,000 - $4,999,9990.35%
$5,000,000 and up0.35%

Family Savings Account: No monthly minimum balance requirement or service fee.The interest rate and Annual Percentage Yield (APY) quoted for all tiers are variable and subject to change without notice at any time. Interest compounds monthly and paid monthly. The amount of interest earned is based on the combined average daily balance of each money market, checking, savings and CD accounts opened by participating family members (spouse, father, mother, son, daughter, grandparent, grandchild, aunt, uncle, cousin, in-laws, or other members of a family unit or household). Minimum opening deposit $100.

Business and Personal Basic Savings Account: Minimum opening deposit $100. Interest rate and Annual Percentage Yield (APY) quoted are variable and subject to change without notice at any time. Personal Basic Savings:Interest compounds daily and paid quarterly. $100 minimum daily balance required to avoid $5 quarterly service fee. Business Basic Savings: Interest compounds daily and paid monthly. $300 minimum monthly average balance to avoid $5 monthly service fee. BOS and Student: No monthly minimum balance requirement or service fee.

College, Student & Bank on Seattle (BOS) Savings Accounts: Minimum opening deposit $10 ($50 for BOS account). Interest rate and APY quoted are variable and subject to change without notice at any time. Interest compounds quarterly and paid quarterly (interest compounds daily and paid quarterly for BOS accounts). Business Basic Savings: Interest compounds daily and pays monthly. College & Student Savings Tier: Interest compounds quarterly & paid quarterly. Interest rate & APY quoted for all savings accounts and tiers are variable and subject to change without notice at any time. Basic Savings & Tiered Rate MMA: Fees may reduce actual earnings on the account.

Tiered Rate Money Market & IRA Money Market: Interest compounds daily and paid monthly. Interest rate and APY quoted for all tiers are variable and subject to change without notice at any time. Personal MMA: $1,000 minimum opening deposit and $1,000 minimum daily balance required to avoid $5 monthly service fee. Business MMA: $1,000 minimum opening deposit and $1,000 minimum average balance required to avoid $10 monthly service fee. IRA MMA: $100 minimum opening deposit, no minimum monthly balance requirement and no monthly service fee. Account must be opened at a Seattle Bank branch. Withdrawals before age 59.5 may be subject to a 10% federal tax and possible state tax. Refer to account disclosures for additional terms and conditions.

All Savings & MMA accounts: Regulation D allows a maximum of 6 electronic or telephone withdrawals or transfers per month, including checks and automated debits. There is no limit on ATM or in-branch withdrawals.

50+ Checking, IOLTA, IRETA, Premier and Business Interest Checking Accounts: Interest rate and APY quoted are variable and subject to change without notice at any time. Interest compounds daily and paid monthly. Minimum opening deposit is $100. Refer to account disclosures for additional terms and conditions. Personal Premier Checking: $1,000 minimum daily balance required to avoid $10 monthly service fee. Business Interest Checking: $5,000 minimum average monthly balance required to avoid $15 monthly service fee.

Business Analysis Checking: The Earnings Credit Rate (ECR) is an earnings allowance or credit that is applied to business account deposit balances to offset monthly service charge expense.

Certificates of Deposit (CD) and Individual Retirement Accounts CD: Interest compounds daily and credited to the account quarterly. The APY assumes interest remains on deposit until maturity. Flex Rate CDs allow one rate increase per account term to current Flex CD posted rates at the time of the rate increase is requested. Minimum opening deposit: $1,000 ($300 for a minor less than 18 years of age; or $500 for IRA CDs). An early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. IRA CD: Withdrawals before age 59.5 may be subject to a 10% federal and possible state tax, in addition to an early withdrawal penalty. Account must be opened at a Seattle Bank branch. Refer to account disclosures for additonal terms and conditions for all certificate of deposit accounts.

Additional information for Interest Bearing Accounts: Fees or early withdrawal penalties assessed on interest bearing accounts may reduce actual earnings on the account.

Ask a customer service representative for more information about deposit account rates, other account services, or for a copy of our deposit account terms and conditions as well as other account disclosures.