WaFd Bank


Savings and Checking Accounts

I have been with Washington Federal for 4 years. I have a checking, savings and home loan, but this review is for the checking and savings accounts and the staff. I have found it easy and convenient to work with Washington Federal. All of the personnel are friendly and helpful. I don't use the ATM, I usually go in and personally make deposits or write a check somewhere for a withdrawal. Their are no fees. The customer service experience has been better than any other bank. Because of the small size it is much easier to get in and out and get my business done quickly. I have always had any questions answered quickly and professionally. As a bonus, you can often find a tray of cookies available in the lobby! Great bank! I highly recommend it.

Washington Federal is a great bank!

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I have been banking with Washington Federal for 5 years. I opened a checking and savings account to go with my home construction loan. I used the checking and saving to move money between accounts and make payments to my contractor. Having an account here helped me keep track of all the transactions with the contractor. The customer service is exemplary in all areas. Once I rolled into a home loan, I kept the checking and savings and use them to keep extra funds. They have a very low fee schedule and a great minimum balance on accounts. I also think their interest rates are better than my other bank. So it is beneficial to keep money in savings here. I highly recommend them as a great local bank. I recommended them to my neighbors and they are also very happy with the experience they have had with them.

On-Line Access Transition A Real Train Wreck

We were customers of a B of A branch that was bought out by Washington Federal. The messed up our bill-pay info from B of A resulting in missed payments. Now they have transitioned to a new on-line system and seem to have lost some more info. They had my wife's phone number with an old area code that went back to B of A days. I have been on the phone with customer service trying to restore on-line access to my business account for three days. Getting ready to set up a new business account with another bank. They just can't get things to work. I think they have trouble retaining capable IT employees, and I am concerned about hacking.

Highly Recommend WA Fed!

My dad began using Wa Federal in their Lynnwood location at least 10 years ago. He made almost daily visits to the bank and considered the employees as friends. It made sense to me to continue with them when my dad passed. We have both personal and business accounts with them. I can't speak highly enough of their customer service and overall operations. As well, they were so helpful in getting my mom organized and our business accounts transitioned in the difficult days and months following my dad's passing.

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Health

Health Grade Components

Overall
FDIC Certificate #28088
Year Established1917
Employees2084
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD7.33%
Annual Interest Income$612.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$19.06B$16.42B
LoansQ4 2020vs Q4 2019$12.88B$11.91B
DepositsQ4 2020vs Q4 2019$14.27B$12.04B
Equity CapitalQ4 2020vs Q4 2019$2.02B$2.00B
Loan Loss AllowanceQ4 2020vs Q4 2019$170.2MM$132.5MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$58.4MM$30.1MM
Real Estate OwnedQ4 2020vs Q4 2019$4.5MM$6.3MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not WaFd Bank; 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.

WaFd Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Statement Savings
0.10%$200-Business Savings
0.10%$10-Statement Savings for Minors

WaFd Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$15k*-Gold Money Market
OTHER TIERS: 0.15% $1k - $15k
0.20%*$15k*-Business Premium Money Market
OTHER TIERS: 0.15% $1k - $15k
0.10%*$90k*-Money Market
OTHER TIERS: 0.05% $1k - $90k
0.10%*$90k*$250kBusiness Money Market
OTHER TIERS: 0.05% $1k - $90k

WaFd Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$10k*$8mStellar Business Interest Checking
OTHER TIERS: 0.02% $1k - $10k
0.05%$10k$250kStellar Plus Checking

WaFd Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$90k*-60 Month CD
OTHER TIERS: 0.35% $1k - $90k
0.40%*$90k*$250kBusiness 60 Month CD
OTHER TIERS: 0.35% $1k - $90k
0.40%*$90k*-60 Month Minor CD
OTHER TIERS: 0.35% $500 - $90k
0.35%*$90k*-48 - 59 Month CD
OTHER TIERS: 0.30% $1k - $90k
0.35%*$90k*$250kBusiness 48 - 59 Month CD
OTHER TIERS: 0.30% $1k - $90k
0.35%*$90k*-48 - 59 Month Minor CD
OTHER TIERS: 0.30% $500 - $90k
0.30%*$90k*-36 - 47 Month CD
OTHER TIERS: 0.25% $1k - $90k
0.30%*$90k*$250kBusiness 36 - 47 Month CD
OTHER TIERS: 0.25% $1k - $90k
0.30%$1k$250k7 Month CD Special w/ Checking
0.30%*$90k*-36 - 47 Month Minor CD
OTHER TIERS: 0.25% $500 - $90k
0.30%$1k$500kBusiness 7 Month CD Special w/ Checking
0.25%*$90k*-12 - 17 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*-18 - 23 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*-24 - 35 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*$250kBusiness 12 - 17 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*$250kBusiness 18 - 23 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*$250kBusiness 24 - 35 Month CD
OTHER TIERS: 0.20% $1k - $90k
0.25%*$90k*-12 - 17 Month Minor CD
OTHER TIERS: 0.20% $500 - $90k
0.25%*$90k*-18 - 23 Month Minor CD
OTHER TIERS: 0.20% $500 - $90k
0.25%*$90k*-24 - 35 Month Minor CD
OTHER TIERS: 0.20% $500 - $90k
0.20%*$90k*-6 - 11 Month CD
OTHER TIERS: 0.15% $1k - $90k
0.20%*$90k*$250kBusiness 6 - 11 Month CD
OTHER TIERS: 0.15% $1k - $90k
0.20%$1k$250k7 Month CD Special w/o Checking
0.20%*$90k*-6 - 11 Month Minor CD
OTHER TIERS: 0.15% $500 - $90k
0.20%$1k$500kBusiness 7 Month CD Special w/o Checking
0.15%*$90k*-4 - 5 Month CD
OTHER TIERS: 0.10% $1k - $90k
0.15%*$90k*$250kBusiness 4 - 5 Month CD
OTHER TIERS: 0.10% $1k - $90k
0.15%*$90k*-4 - 5 Month Minor CD
OTHER TIERS: 0.10% $500 - $90k
0.10%$90k-14 Day - 2 Month CD
0.10%*$90k*-3 Month CD
OTHER TIERS: 0.05% $1k - $90k
0.10%$90k$250kBusiness 14 Day - 2 Month CD
0.10%*$90k*$250kBusiness 3 Month CD
OTHER TIERS: 0.05% $1k - $90k
0.10%*$90k*-3 Month Minor CD
OTHER TIERS: 0.05% $500 - $90k
0.10%$90k-14 Day - 2 Month Minor CD

WaFd Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$90k*-60 Month IRA
OTHER TIERS: 0.35% $100 - $90k
0.35%*$90k*-48 - 59 Month IRA
OTHER TIERS: 0.30% $100 - $90k
0.30%*$90k*-36 - 47 Month IRA
OTHER TIERS: 0.25% $100 - $90k
0.30%$1k$250k7 Month IRA Special w/ Checking
0.25%*$90k*-12 - 17 Month IRA
OTHER TIERS: 0.20% $100 - $90k
0.25%*$90k*-18 - 23 Month IRA
OTHER TIERS: 0.20% $100 - $90k
0.25%*$90k*-24 - 35 Month IRA
OTHER TIERS: 0.20% $100 - $90k
0.20%*$90k*-6 - 11 Month IRA
OTHER TIERS: 0.15% $100 - $90k
0.20%$1k$250k7 Month IRA Special w/o Checking
0.15%*$90k*-4 - 5 Month IRA
OTHER TIERS: 0.10% $100 - $90k
0.10%*$90k*-3 Month IRA
OTHER TIERS: 0.05% $100 - $90k
0.10%$90k-14 Day - 2 Month IRA
Locations

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