Rates
Individual Retirement Accounts
An IRA CD offers the security of a traditional Certificate of Deposit with the tax advantages of an Individual Retirement Account (IRA).
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Purchase: 7/1 Adjustable Rate Mortgage (ARM)
Apply NowLoan Type | Loan Type Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment - 7 years | Ex: Monthly Payment - 23 years |
---|---|---|---|---|---|---|
7/1 ARM | 7.000%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 | 7.670% | 0.000 | $450,000 | $2993.86 | $4382.86 maximum P&I payment over the remaining 23 years |
Interest Rates Effective: 05/02/2025
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Loans
Apply NowLoan Term | Closing Costs | APR | Ex: Loan Amount | Ex: Monthly Payment |
---|---|---|---|---|
15-year Fixed Rate Home Loan | Paid by Customer | 7.375% | $100,000 | $919.92 |
Interest Rates Effective: 03/11/2025
USDA Home Loan: Purchase
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Deposit Rates
Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.
Checking
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
Cascade Checking Up to $1,000.00 | 0.00% | 0.00% | Daily | $0.00 |
Cascade Checking $1,000.00 - $49,999.99 | 0.01% | 0.01% | Daily | $1,000.00 |
Cascade Checking $50,000.00 - $99,999.00 | 0.01% | 0.01% | Daily | $50,000.00 |
Cascade Checking $100,000.00 or more | 0.02% | 0.02% | Daily | $100,000.00 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
BUSINESS CHECKING * ASK FOR DETAILS
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum opening deposit is $25.
Savings
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Open |
---|---|---|---|---|
Summit Savings | 0.03% | 0.03% | Daily | $100 |
Holiday Club | 0.03% | 0.03% | Daily | $25 |
First Savings | 2.86% | 2.90% | Daily | $1 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.
*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. No minimum balance to earn APY.
Business Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
Any | 0.03% | 0.03% | Daily | $0 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Premium Business Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
---|---|---|---|---|
$0 - $99,999.99 | 0.03% | 0.03% | Daily | $0 |
$100,000 - $249,999.99 | 2.13% | 2.15% | Daily | $100,000 |
$250,000 and above | 2.62% | 2.65% | Daily | $250,000 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Madrona Business Money Market
Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
---|---|---|---|---|
$0 - $99,999.99 | 0.25% | 0.25% | Daily | $1 |
$100,000 - $249,999.99 | 3.24% | 3.29% | Daily | $100,000 |
$250,000 and up | 3.24% | 3.29% | Daily | $250,000 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
First Rate Money Market Rates
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
$0.00 - $999.99 | 0.01% | 0.01% | Daily | $0.00 |
$1,000.00 - $9,999.99 | 0.05% | 0.05% | Daily | $1,000.00 |
$10,000.00 - $49,999.99 | 0.05% | 0.05% | Daily | $10,000.00 |
$50,000.00 - $99,999.99 | 0.10% | 0.10% | Daily | $50,000.00 |
$100,000.00 or more | 0.15% | 0.15% | Daily | $100,000.00 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Spruce Money Market Rates
Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
$0-$9,999.99 | 0.01% | 0.01% | Daily | $1 |
$10,000-$99,999.99 | 0.10% | 0.10% | Daily | $10,000.00 |
$100,000.00 - $249,999.99 | 0.15% | 0.15% | Daily | $100,000.00 |
$250,000.00 - $499,999.00 | 0.20% | 0.20% | Daily | $250,000.00 |
$500,000.00 or more | 0.30% | 0.30% | Daily | $500,000.00 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Alpine Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
---|---|---|---|---|
$0 - $99,999.99 | 0.03% | 0.03% | Daily | $0 |
$100,000 - $249,999.99 | 2.13% | 2.15% | Daily | $100,000 |
$250,000 and above | 2.62% | 2.65% | Daily | $250,000 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
CD Promos
Term | Interest Rate | APY* | Minimum to Open | Notes |
---|---|---|---|---|
7 months | 3.92% | 4.00% | $5,000 | |
30 months with a rate bump | 3.44% | 3.50% | $25,000 | Existing accounts only. You can request a one-time rate bump on your CD to the current 30-month rate at the time of the bump. |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
* APY is Annual Percentage Yield. Penalties may be imposed for early withdrawal.
Jumbo CDs
Term | Interest Rate $100,000 to $249,999.99 | APY* | Interest Rate $250,000+ | APY* | Method of Compounding | Minimum to Open |
---|---|---|---|---|---|---|
6 Months | 3.20% | 3.25% | 3.20% | 3.25% | Daily | $100,000 |
12 Months | 3.44% | 3.50% | 3.44% | 3.50% | Daily | $100,000 |
18 Months | 2.96% | 3.00% | 2.96% | 3.00% | Daily | $100,000 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. If your Jumbo CD balance falls below $100,000, the account will be closed and incur an early withdrawal penalty. Interest compounds daily.
*APY assumes funds remain on deposit for 1 year.
Fixed CD Rates
Term | Interest Rate | APY* | Method of Compounding | Minimum to Open/Earn APY |
---|---|---|---|---|
46 Days | 0.05% | 0.05% | Daily | $100 |
3 Months | 2.71% | 2.75% | Daily | $100 |
6 Months | 2.81% | 2.85% | Daily | $100 |
1 Year | 2.91% | 2.95% | Daily | $100 |
2 Years | 2.71% | 2.75% | Daily | $100 |
3 Years | 2.71% | 2.75% | Daily | $100 |
4 Years | 2.47% | 2.50% | Daily | $100 |
5 Years | 2.47% | 2.50% | Daily | $100 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
* Annual Percentage Yield (APY) assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal.
Variable Rate CD
Account Type | Interest Rate | APY* | Method of Compounding | Minimum to Open/ Earn APY |
---|---|---|---|---|
9 Months | 0.25% | 0.25% | Daily | $25.00 |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Traditional and Roth IRA CDs
Term | Interest Rate | APY* | Minimum to Open | Notes |
---|---|---|---|---|
12 months | 3.68% | 3.75% | $500 | Open in a branch or by phone |
36 months | 2.96% | 3.00% | $500 | Open in a branch or by phone |
60 months | 2.71% | 2.75% | $500 | Open in a branch or by phone |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
*Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Interest compounds daily. If principal is withdrawn prior to maturity a penalty may be imposed. The penalty is waived at age 59 ½, you are disabled, or in the event of your death.
Retirement & Education Savings Rates
Balance | VIP Interest | VIP APY | Roth Interest | Roth APY | Coverdell Interest | Coverdell APY |
---|---|---|---|---|---|---|
$0 to $4,999.99 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
$5,000 to $24,999.99 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
$25,000 to $49,999.99 | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
$50,000 and above | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
Interest Rates Effective: 05/01/2025
Revised: 04/30/2025
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum opening deposit is $100.00 for Education Savings Accounts, $50.00 for ROTH, and $25.00 for VIP. Fees could reduce earnings.
Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.
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