Seattle Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.seattlecu.com

206-398-5500

1910 1St Ave S
Seattle, WA 98134

Seattle Credit Union is headquartered in Seattle and is the 18^th largest credit union in the state of Washington. It is also the 420^th largest credit union in the nation. It was established in 1933 and as of March of 2025, it had grown to 171 employees and 55,201 members at 9 locations. Seattle Credit Union's savings rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Seattle Credit Union is open to anyone who lives in Washington State.
See current membership details

Reviews (2)

Write a Review

Massive Incompetence

Posted by: Naldo2 | Jan 26, 2025

Like many institutions that don't see the path forward because the focus is distracted, this institution is no different.

Comment

Stay Away, Unless You Want A Bank That's Doing YOU The Favor By Banking There

Posted by: TomJ | Feb 4, 2023

These guys are awful! I've been with them over 12 years now. They and the bank act like their doing YOU a favor by banking there. I received several NSF Fees, asked them to waive (Can't remember the last time I had one) They waived one. The others weren't because "Your account isn't set up for that." They are the only bank out of 4 that I have that sends you an email "Approving" your deposit. Even the way they phrase things on their website, We're doing YOU a favor.

One of my banks has a no NSF fee and actually gives you a personal line for thirty days, they offered, I didn't ask.

I had another issue with SMCU, their old name and I remember I had to push and escalate the situation to be treated fairly.

Go somewhere else, I am.

Comment

Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68315
Year Chartered	1933
Employees	171
Primary Regulator

Profit Margin
Return on Assets - YTD	0.28%
Return on Equity - YTD	4.03%
Annual Interest Income	$15MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.11B$1.1B
Loans	Q1 2025vs Q1 2024	$922.2MM$866.3MM
Deposits	Q1 2025vs Q1 2024	$886.8MM$886.5MM
Equity Capital	Q1 2025vs Q1 2024	$77.4MM$70MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$11.2MM$14.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6MM$7.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Seattle Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Seattle Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%^*	$0	$500	Youth Savings
OTHER TIERS: 0.10% → $500+
3.56%^*	$100k^*	-	High Yield Savings
OTHER TIERS: 3.30% → $25k - $100k
0.10%	$0	-	Membership Savings
0.10%	$0	-	Business Membership Savings
0.10%	$0	-	Business Subsidiary Savings
0.10%	$0	-	Subsidiary Savings

Seattle Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%^*	$150k^*	-	Money Market
OTHER TIERS: 0.10% → $0 - $1k \| 0.45% → $1k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k \| 1.06% → $100k - $150k
1.15%^*	$150k^*	-	Business Money Market
OTHER TIERS: 0.10% → $0 - $1k \| 0.45% → $1k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k \| 1.05% → $100k - $150k

Seattle Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$0	$500	Feel Good Checking
OTHER TIERS: 0.15% → $500 - $25k \| 0.25% → $25k - $50k \| 0.50% → $50k - $100k \| 1.50% → $100k+
1.51%^*	$100k^*	-	Business Checking
OTHER TIERS: 0.05% → $0 - $10k \| 0.75% → $10k - $25k \| 1.01% → $25k - $50k \| 1.26% → $50k - $100k
1.00%^*	$10k^*	-	High Yield Checking
OTHER TIERS: 0.10% → $0 - $10k
0.05%	$0	-	Classic Checking
0.05%	$0	-	Youth Checking

Seattle Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	7 Month CD Special - New Money
4.08%	$50k	-	6 Month Jumbo CD
4.08%	$50k	-	Business 6 Month Jumbo CD
3.92%	$1k	-	6 Month CD
3.92%	$1k	-	Business 6 Month CD
3.77%	$50k	-	1 Year Jumbo CD
3.77%	$50k	-	Business 1 Year Jumbo CD
3.56%	$1k	-	Business 1 Year CD
3.56%	$1k	-	1 Year CD
2.84%	$50k	-	2 Year Jumbo CD
2.84%	$50k	-	Business 2 Year Jumbo CD
2.63%	$1k	-	2 Year CD
2.63%	$1k	-	Business 2 Year CD
2.63%	$50k	-	3 Year Jumbo CD
2.63%	$50k	-	4 Year Jumbo CD
2.63%	$50k	-	5 Year Jumbo CD
2.63%	$50k	-	Business 3 Year Jumbo CD
2.63%	$50k	-	Business 4 Year Jumbo CD
2.63%	$50k	-	Business 5 Year Jumbo CD
2.43%	$1k	-	3 Year CD
2.43%	$1k	-	4 Year CD
2.43%	$1k	-	5 Year CD
2.43%	$1k	-	Business 3 Year CD
2.43%	$1k	-	Business 4 Year CD
2.43%	$1k	-	Business 5 Year CD

Seattle Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.13%	$50k	-	6 Month Jumbo IRA
4.03%	$1k	-	6 Month IRA
3.87%	$50k	-	1 Year Jumbo IRA
3.77%	$1k	-	1 Year IRA
2.94%	$50k	-	2 Year Jumbo IRA
2.84%	$1k	-	2 Year IRA
2.74%	$50k	-	3 Year Jumbo IRA
2.74%	$50k	-	4 Year Jumbo IRA
2.74%	$50k	-	5 Year Jumbo IRA
2.63%	$1k	-	3 Year IRA
2.63%	$1k	-	4 Year IRA
2.63%	$1k	-	5 Year IRA
0.20%	$0	-	IRA Savings

Locations

Seattle Credit Union Locations
Corporate Office	1910 1st Ave S	Seattle, WA 98134-1406
Branch Office	17250 Southcenter Pkwy Ste 132	Tukwila, WA 98188
Branch Office	19718 Highway 99 Ste 101	Lynnwood, WA 98036-6046
Branch Office	722 3rd Ave	Seattle, WA 98104-1803
Branch Office	1604 S Roberto Maestas Festival St	Seattle, WA 98144-2718
Branch Office	14901 4th Ave SW Ste 107	Burien, WA 98166
Branch Office	303 NE Thornton PL	Seattle, WA 98125
Branch Office	1724 E 44th St	Tacoma, WA 98404-4611
Branch Office	824 Martin Luther King Jr Way Ste A	Tacoma, WA 98405-4186

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