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Compare Savings Rates in Oak Harbor, Washington – February 2026

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Current Oak Harbor, Washington Savings Rates and MMA Rates

Whatcom Educational Credit Union is offering a First Step (Youth) Savings in Oak Harbor, Washington with an APY of 7.00%. For those in Oak Harbor, Washington, BECU Boeing Employees Credit Union lists a Advantage Savings (Member Advantage) at 5.12%. U.S. Bank has a Elite Money Market Account available at 4.00% APY (min deposit $25,000). Beal Bank USA is offering a Statement Savings in Oak Harbor, Washington with an APY of 3.75%.

Find the best savings and money market rates in Oak Harbor, WA today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in WA, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Washington depositors. Actual savings rates may vary by financial institution and market conditions.

Savings Rates in Oak Harbor, WA and Area

  • • First Step (Youth) Savings:
    7.00%
  • • Advantage Savings (Member Advantage):
    5.12%
  • • Elite Money Market Account:
    4.00%
  • • Statement Savings:
    3.75%
  • • Bank Smartly Savings Account:
    3.50%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Best Savings Rates and Money Market Rates in Oak Harbor, Washington & Region February, 2026

Bank
Product
APY
Min Dep
SaviBank
SaviBank
1100 Ne 3rd Ave
Oak Harbor, WA 98277
Personal Money Market
2.02%
$0
SaviBank
SaviBank
1100 Ne 3rd Ave
Oak Harbor, WA 98277
Business Money Market
2.02%
$0
SaviBank
SaviBank
1100 Ne 3rd Ave
Oak Harbor, WA 98277
Savings
0.10%
$100
Whatcom Educational Credit Union
Whatcom Educational Credit Union
600 E Holly St
Bellingham, WA 98225
First Step (Youth) Savings
7.00%
$1
Whatcom Educational Credit Union
Whatcom Educational Credit Union
600 E Holly St
Bellingham, WA 98225
Stash (Emergency) Savings
6.00%
$1
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
12770 Gateway Dr S
Tukwila, WA 98168
Advantage Savings (Member Advantage)
5.12%
$5
Gesa Credit Union
Gesa Credit Union
825 Goethals Dr
Richland, WA 99352
SmartPlus Savings
5.00%
$0
Gesa Credit Union
Gesa Credit Union
825 Goethals Dr
Richland, WA 99352
Explorer Youth Savings
5.00%
$0
Seattle Bank
Seattle Bank
401 Union Street Floor 29
Seattle, WA 98101
Digital Direct Savings
3.40%
$100
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
421 Capitol Way S
Olympia, WA 98501
Companion Savings
2.57%
$100
Gesa Credit Union
Gesa Credit Union
825 Goethals Dr
Richland, WA 99352
High-Yield Savings
2.50%
$100,000
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
12770 Gateway Dr S
Tukwila, WA 98168
Money Market (Member Advantage)
2.43%
$25,000
Seattle Bank
Seattle Bank
401 Union Street Floor 29
Seattle, WA 98101
Personal Money Market
2.40%
$100
Seattle Bank
Seattle Bank
401 Union Street Floor 29
Seattle, WA 98101
Business Money Market
2.40%
$100
Pacific Crest SB
Pacific Crest SB
3500 188th St Sw Ste 575
Lynnwood, WA 98037
Money Market
2.30%
$2,000
WaFd Bank
WaFd Bank
1500 Cornwall Ave
Bellingham, WA 98225
High Yield Money Market
2.00%
$500,000
Sound Community Bank
Sound Community Bank
4922 Bridgeport Way W
University Place, WA 98467
Momentum Money Market
1.00%
$25,000
1st Security Bank of Washington
1st Security Bank of Washington
734 Water St
Port Townsend, WA 98368
Money Market
0.50%
$100
Timberland Bank
Timberland Bank
313 Waldrip Street
Elma, WA 98541
Non-Profit Money Market
0.50%
$0
Kitsap Bank
Kitsap Bank
619 Bay St
Port Orchard, WA 98366
Money Market Plus
0.25%
$5,000
Mountain Pacific Bank
Mountain Pacific Bank
3732 Broadway
Everett, WA 98201
Money Market Plus
0.10%
$100
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
421 Capitol Way S
Olympia, WA 98501
Business Premium Money Market
0.10%
$50,000
WaFd Bank
WaFd Bank
1500 Cornwall Ave
Bellingham, WA 98225
Savings
0.10%
$100
Sound Community Bank
Sound Community Bank
4922 Bridgeport Way W
University Place, WA 98467
Regular Savings
0.10%
$100
Whatcom Educational Credit Union
Whatcom Educational Credit Union
600 E Holly St
Bellingham, WA 98225
Regular Savings
0.10%
$1
1st Security Bank of Washington
1st Security Bank of Washington
734 Water St
Port Townsend, WA 98368
Preferred Savings
0.05%
$100
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
421 Capitol Way S
Olympia, WA 98501
Premium Personal Money Market
0.05%
$50,000
Kitsap Bank
Kitsap Bank
619 Bay St
Port Orchard, WA 98366
Statement Savings
0.05%
$100
UniBank
UniBank
19315 Highway 99
Lynnwood, WA 98036
Money Market
0.05%
$2,500
Mountain Pacific Bank
Mountain Pacific Bank
3732 Broadway
Everett, WA 98201
Savings
0.03%
$100
Timberland Bank
Timberland Bank
313 Waldrip Street
Elma, WA 98541
Savings
0.01%
$50

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Methodology & Data Sources

Local Savings Rate Aggregation: MonitorBankRates tracks savings account rates for Oak Harbor, Washington by aggregating data from local banks, local credit unions, and national online institutions. Our proprietary technology scans daily to ensure you see the most competitive high-yield savings accounts (HYSAs) and money market accounts available in your area.

Data Accuracy & Safety: The APYs displayed for Oak Harbor, Washington reflect current market offers. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are protected, and we verify these figures against the institution's published terms to maintain high reliability for savers in WA.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Oak Harbor, Washington. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

How to Find the Best Savings Account in Oak Harbor, Washington

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Oak Harbor, Washington

What are the current savings rates in Oak Harbor, Washington? ▼
Below is a list of current savings and money market rates available for Oak Harbor, Washington. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
BECU Boeing Employees Credit Union
Advantage Savings (Member Advantage)
5.12%
$5
U.S. Bank
Bank Smartly Savings Account
3.50%
$100,000
Seattle Bank
Digital Direct Savings
3.40%
$100
HSBC Bank USA
Premier Relationship Savings
3.30%
$1
Seattle Bank
Personal Money Market
2.40%
$100
Lender / Product
APY
Min Dep
Credit Human Federal Credit Union
Money Market
1.55%
$1,000
Northwest Bank
Money Market Plus
1.35%
$1
Sound Community Bank
Momentum Money Market
1.00%
$25,000
Nuvision Federal Credit Union
High Yield Money Market
0.60%
$50,000
Credit Human Federal Credit Union
Share Savings
0.55%
$100
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.