Add stability and dependability to your long-term investment strategy — and get your money working for you.


12 Month

4.50% APY*

24 Month

4.55% APY*

36 Month

4.60% APY*

60 Month

4.70% APY*

*Annual percentage yields (APYs) effective as of February 3, 2023 and are subject to change. $1,000 min to open. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees could reduce principal. Additional terms and conditions may apply.

Key Features

  • Competitive Rates
  • Predictable Returns
  • No Setup or Service Fees
  • Easy Account Opening

Add stability and dependability to your long-term investment strategy with a certificate of deposit (CD). A secure way to grow your money, Seattle Bank’s CD accounts offer fixed, predictable returns that scale with the length of your term. With a wide selection of terms available, confidently choose the strategy that best suits your investing needs and goals.

Set up and open a certificate of deposit today! Seattle Bank currently offers traditional, IRA and Bump Up CDs. We provide multiple, convenient ways to open a CD, including online, by phone/email or in-person. View "How To Open An Account" to learn more.

Open An Acccount Online

Opening your CD account online is easy, convenient and secure. Use our online self-service portal to safely upload documents, add funds, include beneficiaries and e-sign with ease.

For IRA CDs, please contact us by email to set up an account at [email protected]

Open An Account By Phone or Email

Our Client Service team is available during regular business hours to assist with opening an account. For IRA CDs, please contact us by email to set up an account.

Phone: 206.281.1500
Email: [email protected]

Open An Account In-Person

If you prefer to open an account in person, visit our downtown office. Seattle Bank is located on the 29th floor of Rainier Square in Downtown Seattle. View our Location & Hours for directions to our office. Parking validation is provided.

Address: 401 Union Street Floor 2900, Seattle WA 98101

IRA CDs, Business CDs, Custom Maturity Date CDs, and CD ladders available.

  • Interest rate is fixed for duration of term1
  • Interest compounded daily, paid quarterly
  • Interest payment options: Deposited to a Seattle Bank checking or savings account, or reinvested in the CD
  • Terms range from 3 months to 5 years
  • Automatic renewal unless instructed otherwise
  • Penalty assessed for early withdrawal1
  • Credited interest can be withdrawn without penalty
  • $1,000 minimum deposit to open
  • Tax-advantaged retirement savings2
  • Traditional and Roth IRA options available
  • No setup or closing fees
  • No annual maintenance or plan fees
  • IRA annual contribution limits apply (see current contribution limits)
  • Interest rate is fixed for duration of term
  • Interest compounded daily, paid quarterly
  • Terms range from 3 months to 5 years
  • Penalty assessed for early withdrawal1
  • 10-day grace period upon maturity
  • Yearly contribution can be added to existing IRA CD
  • $1,000 minimum deposit to open

Take advantage of the changing rate environment and lock in a great CD rate, with the flexibility to “bump it up” if a higher rate is available. Seattle Bank’s Bump Up CD features a rate increase option that allows you to request a one-time increase – a bump up – on your interest rate and Annual Percentage Yield (APY) during the life of the certificate. Available for a limited time only in 24-month and 36-month terms.

If you choose the rate increase option, the new APY for your remaining term will be equal to the APY for the current standard CD with a term equal to, or shorter than, the remaining number of days left on your certificate. View our FAQs to learn more about Bump Up CDs.

  • 24-month and 36-month terms offered
  • One-time bump option allowed six (6) months from the date the account is opened, up until three (3) months before the end of the term
  • Interest compounded daily, credited quarterly
  • Automatically renews as a standard CD of the original term length upon maturity
  • Penalty assessed for early withdrawal1
  • $1,000 minimum to open

1Interest is compounded daily and credited to the account quarterly on Certificates of Deposit accounts. The Annual Percentage Yield (APY) calculated assumes interest remains on deposit until maturity. Penalty assessed for early withdrawal. Penalty based on term and principal amount withdrawn. Penalties may affect principal balance and are as follows: 90 days interest for terms less than or equal to 12 months, and 180 days interest for terms over 12 months. Refer to account disclosures for additional terms and conditions.

2Consult a tax advisor.

Why choose Seattle Bank?

Boutique bank. Big vision.

Community Impact

Investing in a strong and equitable community.

See Our Impact