Best Banks & Credit Unions in Lacey, Washington
Banks and credit unions serving Lacey, Washington. Compare up to 3.50% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Lacey, Washington. All rankings inherit from the Washington state directory. Every institution listed is licensed to serve Lacey residents and is either headquartered in Washington or operates branches in the metro.
Top options in Lacey
- Yakima Federal Savings and Loan: 4.00% APY. 12 Month CD: $500 minimum to open (term table at yakimafed.com/deposit-accounts/cds-and-iras/). Listed under 'Featured Deposit Rates'; the 18 Month CD pays the same 4.00%. New accounts are limited to Washington State residents. Read Sep 7, 2026 on yakimafed.com.
- Numerica Credit Union: 4.00% APY. 12 month Certificate: $1,000 minimum balance requirement to open most Certificates (the $500 minimum applies to IRA Certificates). The 17-month certificate pays 4.25% APY as a limited-time offer requiring a Numerica checking account. Read Sep 7, 2026 on numericacu.com. Rates as of 2026-08-28 per the page.
- Timberland Bank: 3.80% APY. 12 Month CD Special: Promotional rate, named as a special by the bank: '$500 minimum to open account and earn APY'; promotional APY effective as of July 10, 2026. The bank publishes no standard CD rate ('Please contact us for current rates and additional information on our Money Market accounts and CDs'). Read Sep 7, 2026 on timberlandbank.com. Rates as of 2026-07-10 per the page.
- Columbia Credit Union: 3.75% APY. Vancouver, WA credit union with competitive money market yields.
- Navy Federal Credit Union: 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
- OnPoint Community Credit Union: 3.50% APY. Member Savings: $5 minimum balance, no monthly fee; 3.50% APY applies to balances of $0-$1,000, and balances of $1,000.01 and higher earn 0.10% APY. Membership requires a Member Savings account. Read Sep 7, 2026 on onpointcu.com. Rates as of 2026-09-05 per the page.
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See the full Washington banks directory for every institution we've verified in the state, plus the underlying methodology.