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CD Rate Trends

Oregon Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Oregon CD rates range from 0.02% to 5.09% APY, verified by MonitorBankRates as of October 13, 2026. Current Oregon CD rates include IQ Credit UnionIQ Credit Union4239 N Williams Ave, Portland, OR 97217A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, Sage Credit UnionSage Credit Union2972 Washburn Way, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 5.70%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Pathfinder Term Share Certificate at 5.00% APY, Horizon Credit UnionHorizon Credit Union209 Depot St, La Grande, OR 97850A+5.0 ★Texas Ratio: 1.61%Real return: +1.58%APY minus CPI (February 2026) offering 12 Month IRA at 4.38% APY, Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit Union10333 SE Main St, Portland, OR 97216 2940A+5.0 ★Texas Ratio: 3.34%Real return: +1.53%APY minus CPI (February 2026) offering 1-Year Certificate at 4.33% APY, and Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union11619 Island Ave, Island City, OR 97850A+5.0 ★Texas Ratio: 3.49%Real return: +1.40%APY minus CPI (February 2026) offering 36 Month Certificate at 4.20% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Oregon side-by-side. Oregon CD rates currently reach as high as 5.09% APY from IQ Credit Union at 4239 N Williams Ave, Portland, OR 97217. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Oregon

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Oregon 3 Month CD Rates

MonitorBankRates Oregon Average · 3 Month CD1.77% APY▼ 0.07% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Oregon is 1.77% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
3 Month Certificate
$0
3.85% ▲ 2.08% above Oregon avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 2.08% above avgNationally 2.09%
Details

Rate History
1 change since Sep 24, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 24, 2026: 3.65% APYOct 3, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 3 Month Certificate
$0
3.85% ▲ 2.08% above Oregon avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.73% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 90 Day
$2,500
3.40% ▲ 1.63% above Oregon avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 1.63% above avgNationally 2.09%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
3 Month TCD
$500
3.30% ▲ 1.53% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 1.53% above avgNationally 2.09%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
3 Month IRA Certificate
$1,000
3.20% ▲ 1.43% above Oregon avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 1.43% above avgNationally 2.09%
Details

Term (Days): 91 - 180

Rate History
1 change since Sep 18, 2026 · 1.38% → 3.20% ▲ 1.82 pts · high 3.20% / low 1.38%
0.00%2.51%5.02%Sep 18, 2026: 1.38% APYOct 1, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.20%▲ from 1.38%
  • Sep 18, 20261.38%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
3 Month Certificate
$1,000
3.10% ▲ 1.33% above Oregon avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 1.33% above avgNationally 2.09%
Details

Term (Days): 91 - 180

Rate History
1 change since Sep 14, 2026 · 1.28% → 3.10% ▲ 1.82 pts · high 3.10% / low 1.28%
0.00%2.46%4.92%Sep 14, 2026: 1.28% APYOct 1, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.10%▲ from 1.28%
  • Sep 14, 20261.28%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
90-Day Certificate
$0
3.04% ▲ 1.27% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12550 SE 93rd Ave, Clackamas, OR 97015
3 Month New Membership Youth CD
$100
3.04% ▲ 1.27% above Oregon avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 1.27% above avgNationally 2.09%
Details

Ages 0-17; minimum balance to open and earn APY is $100; maximum deposit for CD is $500; only one allowed and must be opened within 2 weeks of account opening; interest compounded and credited monthly

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
90-Day Certificate
$0
2.99% ▲ 1.22% above Oregon avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
3 Month Certificate
$0
2.10% ▲ 0.33% above Oregon avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 0.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Marion And Polk Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
451 Division St NE, Salem, OR 97301
Certificate Accounts - 3 Months
$1,000
1.90% ▲ 0.13% above Oregon avg
View
▼
Rate1.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 0.13% above avgNationally 2.09%
Details

Interest Computation: Compounded; Interest Period: Monthly

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
1.80% ▲ 0.03% above Oregon avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▲ 0.03% above avgNationally 2.09%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 1.80% APY
1.30%1.80%2.30%Oct 13, 2026: 1.80% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.02% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.02% below avgNationally 2.09%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.02% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.02% below avgNationally 2.09%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Traditional IRA Certificate of Deposit
$1,000
1.55% ▼ 0.22% below Oregon avg
View
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.22% below avgNationally 2.09%
Details

Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 13, 2026: 1.55% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Business Certificates of Deposit
$1,000
1.50% ▼ 0.27% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.27% below avgNationally 2.09%
Details

Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
3 Month Certificates of Deposit
$1,000
1.50% ▼ 0.27% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.27% below avgNationally 2.09%
Details

Opening deposit $1,000

Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 22, 2026: 1.50% APYSep 22, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Month Certificates (Personal & Business)
$0
1.40% ▼ 0.37% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.37% below avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 10, 2026: 1.40% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Month Certificates (Personal & Business)
$0
1.30% ▼ 0.47% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.47% below avgNationally 2.09%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 10, 2026: 1.30% APYOct 10, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
3-Month Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Standard Rate: 0.996%; Standard APY: 1.00%

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
0.50%1.13%1.75%Sep 14, 2026: 1.00% APYSep 21, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20261.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Month Certificates (Personal & Business)
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 10, 2026: 1.25% APYOct 10, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
3 Month Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
3 Month IRA Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Month Certificates (Personal & Business)
$0
1.20% ▼ 0.57% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.57% below avgNationally 2.09%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 10, 2026: 1.20% APYOct 10, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
3-Month Certificate
$0
1.00% ▼ 0.77% below Oregon avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.77% below avgNationally 2.09%
Details

Member Perks Rate: 1.246%; Member Perks APY: 1.25%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
3 Month Certificate - Member Perks
$0
0.85% ▼ 0.92% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 0.92% below avgNationally 2.09%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 9, 2026: 0.85% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
3 Month Certificate
$0
0.60% ▼ 1.17% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 1.17% below avgNationally 2.09%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR 97146 7359
3 Month Certificate
$0
0.55% ▼ 1.22% below Oregon avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 1.22% below avgNationally 2.09%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
3 Month CD
$0
0.50% ▼ 1.27% below Oregon avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.27% below avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 10, 2026: 0.50% APYOct 10, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12550 SE 93rd Ave, Clackamas, OR 97015
3 Month Kid Club Starter CD
$100
0.35% ▼ 1.42% below Oregon avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average1.77%▼ 1.42% below avgNationally 2.09%
Details

Ages 0-17; minimum balance to open and earn APY is $100; maximum deposit for CD is $500; up to 3 Kids Club Starter CDs; interest compounded and credited monthly

Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5215 S 6th St, Klamath Falls, OR 97603
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.67% below Oregon avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.67% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5215 S 6th St, Klamath Falls, OR 97603
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.67% below Oregon avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.67% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
150 Nw 2nd Ave, Canby, OR 97013
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.71% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.71% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
150 Nw 2nd Ave, Canby, OR 97013
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.71% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.71% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
150 Nw 2nd Ave, Canby, OR 97013
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5215 S 6th St, Klamath Falls, OR 97603
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5215 S 6th St, Klamath Falls, OR 97603
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
Peoples Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1528 Biddle Rd, Medford, OR 97504
3 Months Certificates of Deposit
$500
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
248 Sw Coast Hwy, Newport, OR 97365
3 Month IRA Certificates
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
248 Sw Coast Hwy, Newport, OR 97365
3 Month Standard CD
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Oregon 6 Month CD Rates

MonitorBankRates Oregon Average · 6 Month CD2.83% APY▲ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Oregon is 2.83% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
6 Month TCD
$100,000
4.07% ▲ 1.24% above Oregon avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 1.24% above avgNationally 2.78%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
6-Month Certificate
$0
4.07% ▲ 1.24% above Oregon avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 1.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
6 Month Certificate
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 24, 2026: 3.55% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.55%
  • Sep 24, 20263.55%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 6 Month Certificate
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
98 South Oregon Street, Ontario, OR 97914
180-Day CD
$500
3.75% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
6-Month CD
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
6-Month Term
$1,000
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
6 Month Certificate
$0
3.70% ▲ 0.87% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
6 Month IRA Certificate
$0
3.70% ▲ 0.87% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.81% above Oregon avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.81% above avgNationally 2.78%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
6 Month Certificate
$100
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
6 Month IRA Certificate
$100
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 6 Month
$0
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
6 Month TCD
$5,000
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
9955 SE Washington St, Portland, OR 97216
6 Month Share Certificate
$500
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

Certificate Rates - Effective Friday, July 31, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.56% ▼ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.82% APYOct 4, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.56%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
6 Month TCD
$500
3.55% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.72% above avgNationally 2.78%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1004 Pacific Ave, Hood River, OR 97031 1961
Certificates & IRAs - 6 Month
$1,000
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 6 Months
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
IRA / ESA 6-Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
6 Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
Youth 6 Months
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Youth Certificate of Deposit; Balance: $100

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
6 Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR 97222
6 Month Certificate
$100
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR 97477
6-Month Certificate
$1,000
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Dividends compounded and credited: At Maturity; Dividend period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
6 Mo Certificate - Regular, IRA, ESA
$500
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
Business 6 Mo Certificate - Regular, IRA, ESA
$500
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 6 Month Fixed Rate CD
$0
3.40% ▲ 0.57% above Oregon avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
6 Month Certificates (Personal & Business)
$0
3.40% ▲ 0.57% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.57% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
6 Months Certificate
$500
3.39% ▲ 0.56% above Oregon avg
View
▼
Rate3.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.56% above avgNationally 2.78%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 12, 2026: 3.39% APYOct 12, 2026Oct 13, 2026
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
969 Se 6th St, Grants Pass, OR 97526
6 month CD
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 6 Month
$2,500
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
6 Month Certificates (Personal & Business)
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
6 Month Certificate
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
6 Month Easy Saver
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
6 Month Certificates (Personal & Business)
$0
3.25% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.42% above avgNationally 2.78%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
6 Month Certificates (Personal & Business)
$0
3.20% ▲ 0.37% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.37% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
6 Month IRA Certificate
$1,000
3.20% ▲ 0.37% above Oregon avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.37% above avgNationally 2.78%
Details

Term (Days): 181 - 365

Rate History
1 change since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
2.20%2.95%3.70%Sep 18, 2026: 2.70% APYOct 1, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.20%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
6-Month Certificate
$0
3.17% ▲ 0.34% above Oregon avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.34% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.17% APY · checked 3 times
2.67%3.17%3.67%Oct 5, 2026: 3.17% APYOct 5, 2026Oct 13, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
299 E 11th Ave, Eugene, OR 97401 3251
6 Month Certificate
$500
3.15% ▲ 0.32% above Oregon avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.32% above avgNationally 2.78%
Details

Dividend Rate; Standard

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
6 Month Certificate
$1,000
3.10% ▲ 0.27% above Oregon avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.27% above avgNationally 2.78%
Details

Term (Days): 181 - 365

Rate History
1 change since Sep 14, 2026 · 2.59% → 3.10% ▲ 0.51 pts · high 3.10% / low 2.59%
2.08%2.84%3.61%Sep 14, 2026: 2.59% APYOct 1, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.10%▲ from 2.59%
  • Sep 14, 20262.59%first recorded
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
761 Avenue G, Seaside, OR 97138
6 Month Short-Term Consumer CDs
$0
3.05% ▲ 0.22% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▲ 0.22% above avgNationally 2.78%
Details

Balance: $250,000+

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
6-Month Certificate
$0
3.04% ▲ 0.21% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.21% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
98 South Oregon Street, Ontario, OR 97914
180-Day Certificate of Deposit
$500
3.00% ▲ 0.17% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
6 Month Share Certificate
$0
3.00% ▲ 0.17% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.17% above avgNationally 2.78%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR 97146 7359
6 Month Certificate
$0
3.00% ▲ 0.17% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.83%▲ 0.17% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 18, 2026: 2.75% APYOct 9, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.00%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
6 Month Certificate
$0
3.00% ▲ 0.17% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.17% above avgNationally 2.78%
Details

Standard Rate: 2.722%; Standard APY: 2.75%

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYSep 21, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR 97209 3959
6 Month Certificate
$500
2.90% ▲ 0.07% above Oregon avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.07% above avgNationally 2.78%
Details

Balance: $500 - $74,999.99; Dividend compounded monthly; Certificate Accounts & IRA/ESA Certificates

Rate History
No change since Oct 4, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 4, 2026: 2.90% APYOct 4, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR 97209 3959
Business 6 Month Certificate
$500
2.90% ▲ 0.07% above Oregon avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.07% above avgNationally 2.78%
Details

Balance: $500 - $74,999.99; Dividend compounded and credited monthly

Rate History
No change since Oct 4, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 4, 2026: 2.90% APYOct 4, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
6 Month CD
$0
2.83% At Oregon avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%At the averageNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 10, 2026: 2.83% APYOct 10, 2026Oct 13, 2026
Bank of the Pacific
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
761 Avenue G, Seaside, OR 97138
6 Month Short-Term Consumer CDs
$0
2.79% ▼ 0.04% below Oregon avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▼ 0.04% below avgNationally 2.78%
Details

Balance: $100,000 - $249,999

Rate History
No change since Oct 7, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Oct 7, 2026: 2.79% APYOct 7, 2026Oct 13, 2026

Oregon 12 Month CD Rates

MonitorBankRates Oregon Average · 12 Month CD2.91% APY▲ 0.05% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Oregon is 2.91% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 2.09% above Oregon avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 2.09% above avgNationally 2.99%
Details

Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
12 Month First CD
$10,000
4.58% ▲ 1.67% above Oregon avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.67% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
12 Month IRA
$500
4.38% ▲ 1.47% above Oregon avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 1.47% above avgNationally 2.99%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 12 Month
$1,000
4.38% ▲ 1.47% above Oregon avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 1.47% above avgNationally 2.99%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
1-Year Certificate
$0
4.33% ▲ 1.42% above Oregon avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 1.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 7 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
1-Year CD
$0
4.00% ▲ 1.09% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
1-Year Term
$1,000
4.00% ▲ 1.09% above Oregon avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
12 Months Jumbo Certificate
$100,000
3.93% ▲ 1.02% above Oregon avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 1.02% above avgNationally 2.99%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
12 Month Certificate
$0
3.90% ▲ 0.99% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.99% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
12 Month IRA Certificate
$0
3.90% ▲ 0.99% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.99% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
2040 8th Ave, West Linn, OR 97068
1-Year CD / IRA CD
$0
3.85% ▲ 0.94% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

relationship rate

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
98 South Oregon Street, Ontario, OR 97914
1-Year CD
$500
3.85% ▲ 0.94% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR 97330 2179
12-Month Certificate Special
$250
3.85% ▲ 0.94% above Oregon avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

12-Month Special Certificate *APY = Annual Percentage Yield and is accurate as of 9/1/2026. Minimum deposit of $250 required. Members merits do not apply. The 12-month promotional certificate is for new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. New money is defined as funds that have not been on deposit with Oregon State Credit Union at any time during the certificate promotion period, unless deposited in the 30 days prior to certificate opening. New money must originate from another financial institution or source and cannot be transferred from an existing Oregon State Credit Union account. Fees could reduce the earnings on the account. For maintenance and activity fees. A penalty may be imposed for early withdrawals. Limited time offer. Other terms and conditions may apply.

Rate History
No change since Oct 1, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 1, 2026: 3.85% APYOct 1, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
1 Year Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 1 Year Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 12 Months
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
IRA / ESA 12-Month Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR 97211 3283
12 Month Save To Win Certificate of Deposit
$25
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.69%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Prize entries and eligibility limited per Official Account and Prize Entry Rules; Qualifying Certificate Account

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
12 Month Certificates (Personal & Business)
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
12 Months Certificate
$500
3.68% ▲ 0.77% above Oregon avg
View
▼
Rate3.61%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.77% above avgNationally 2.99%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.68% APY
3.18%3.68%4.18%Oct 12, 2026: 3.68% APYOct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
12 Mo Certificate - Regular, IRA, ESA
$500
3.65% ▲ 0.74% above Oregon avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
Business 12 Mo Certificate - Regular, IRA, ESA
$500
3.65% ▲ 0.74% above Oregon avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
12 Month Certificates (Personal & Business)
$0
3.65% ▲ 0.74% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
12 Month Certificates (Personal & Business)
$0
3.60% ▲ 0.69% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.69% above avgNationally 2.99%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
12 Month IRA Certificate
$1,000
3.60% ▲ 0.69% above Oregon avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.69% above avgNationally 2.99%
Details

Term (Days): 366 - 730

Rate History
1 change since Sep 18, 2026 · 3.17% → 3.60% ▲ 0.43 pts · high 3.60% / low 3.17%
2.67%3.39%4.10%Sep 18, 2026: 3.17% APYOct 1, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.17%
  • Sep 18, 20263.17%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
1-Year Certificate
$0
3.56% ▲ 0.65% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
12 Month Certificates (Personal & Business)
$0
3.55% ▲ 0.64% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.64% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1004 Pacific Ave, Hood River, OR 97031 1961
Certificates & IRAs - 12 Month
$1,000
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
12 Month Certificate
$0
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
12 Month Small Savers Certificate
$0
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Balance: $100.00+

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
12 Month Certificate
$1,000
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Term (Days): 366 - 730

Rate History
1 change since Sep 14, 2026 · 3.07% → 3.50% ▲ 0.43 pts · high 3.50% / low 3.07%
2.57%3.29%4.00%Sep 14, 2026: 3.07% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.07%
  • Sep 14, 20263.07%first recorded
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR 97222
12 Month Certificate
$100
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
12 Month (1 Year) Certificate - Member Perks
$0
3.46% ▲ 0.55% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.55% above avgNationally 2.99%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 9, 2026: 3.46% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 12 Month Certificate - Member Perks
$0
3.46% ▲ 0.55% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.55% above avgNationally 2.99%
Details

Member Perks APY

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 12 Month Fixed Rate CD
$0
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR 97477
1 Year One Year Certificate
$1,000
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR 97477
Add-On 1 Year Certificate
$1,000
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
650 W Main St, John Day, OR 97845
12 Month Share Certificate
$500
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
9955 SE Washington St, Portland, OR 97216
12 Month Share Certificate
$500
3.30% ▲ 0.39% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.39% above avgNationally 2.99%
Details

Certificate Rates - Effective Friday, July 31, 2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR 97216 2940
1-Year Certificate
$0
3.30% ▲ 0.39% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
12 Month Certificate
$100
3.30% ▲ 0.39% above Oregon avg
View
▼
Rate3.26%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.91%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
12 Month IRA Certificate
$100
3.30% ▲ 0.39% above Oregon avg
View
▼
Rate3.26%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.91%▲ 0.39% above avgNationally 2.99%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 12 Month
$0
3.30% ▲ 0.39% above Oregon avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.91%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
12 Month Share Certificate
$0
3.25% ▲ 0.34% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.34% above avgNationally 2.99%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
1 Year Share Certificate
$0
3.25% ▲ 0.34% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.34% above avgNationally 2.99%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
1 Year CD
$0
3.25% ▲ 0.34% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.34% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
12 Month (1 Year) Certificate
$0
3.20% ▲ 0.29% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.29% above avgNationally 2.99%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 12 Month Certificate
$0
3.20% ▲ 0.29% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.91%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
12 Month Certificate
$0
3.20% ▲ 0.29% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 12 Month
$500
3.20% ▲ 0.29% above Oregon avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026

Oregon 18 Month CD Rates

MonitorBankRates Oregon Average · 18 Month CD2.64% APYUnchanged from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Oregon is 2.64% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
18 Month Certificate
$0
4.10% ▲ 1.46% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 1.46% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
18 Month IRA Certificate
$0
4.10% ▲ 1.46% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 1.46% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
4000 Kruse Way Place, Lake Oswego, OR 97035
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.21% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 1.21% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
4000 Kruse Way Place, Lake Oswego, OR 97035
18-Month M&T Select CD
$0
3.85% ▲ 1.21% above Oregon avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 1.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
18 Months Jumbo Certificate
$100,000
3.80% ▲ 1.16% above Oregon avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 1.16% above avgNationally 2.87%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
18 Month IRA
$0
3.75% ▲ 1.11% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 1.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
18 Months Certificate
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
18 Month IRA
$0
3.50% ▲ 0.86% above Oregon avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
650 W Main St, John Day, OR 97845
18 Month Share Certificate
$500
3.50% ▲ 0.86% above Oregon avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 18 Month Fixed Rate CD
$0
3.25% ▲ 0.61% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 0.61% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
299 E 11th Ave, Eugene, OR 97401 3251
18 Month Certificate
$500
3.15% ▲ 0.51% above Oregon avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.51% above avgNationally 2.87%
Details

Dividend Rate; Standard

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
18 Month Certificate
$15,000
3.05% ▲ 0.41% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.41% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
18 Month TCD
$5,000
3.04% ▲ 0.40% above Oregon avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.40% above avgNationally 2.87%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 24, 2026: 3.04% APYSep 24, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
18 Month TCD
$500
3.03% ▲ 0.39% above Oregon avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.39% above avgNationally 2.87%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
18 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Balance: $100,000.00+

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
18 Month Share Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 18 Months
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
IRA / ESA 18-Month Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2880 Chad Dr, Eugene, OR 97408
18-Month Regular Certificate
$500
3.00% ▲ 0.36% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Regular certificate account; minimum balance requirement of $500 to open and earn APY; bump-up option available; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
18 Month Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 18 Month
$500
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
18 Month Certificate
$100
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
18 Month IRA Certificate
$100
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 18 Month
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR 97330 2179
Online 18-month certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

APY for balances of $500 - $24,999

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
18 Month Certificate
$1,000
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
9955 SE Washington St, Portland, OR 97216
18 Month Share Certificate
$500
2.99% ▲ 0.35% above Oregon avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.35% above avgNationally 2.87%
Details

Certificate Rates - Effective Friday, July 31, 2026

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
18 Month Certificate
$0
2.90% ▲ 0.26% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 0.26% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
18 Month IRA Term Share Certificate
$1,000
2.75% ▲ 0.11% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
18-Month CD
$0
2.75% ▲ 0.11% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15700 Boones Ferry Rd, Lake Oswego, OR 97035
18-Month Term
$1,000
2.75% ▲ 0.11% above Oregon avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
18 Month Certificate - Member Perks
$0
2.69% ▲ 0.05% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▲ 0.05% above avgNationally 2.87%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 2.69% APY · checked 2 times
2.19%2.69%3.19%Oct 9, 2026: 2.69% APYOct 9, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
18 Month Certificates (Personal & Business)
$0
2.65% ▲ 0.01% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.01% above avgNationally 2.87%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
18 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.61% ▼ 0.03% below Oregon avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.03% below avgNationally 2.87%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.61% APY
2.11%2.61%3.11%Oct 13, 2026: 2.61% APYOct 13, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR 97321
18 Month Certificates/IRA Certificates
$0
2.60% ▼ 0.04% below Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.04% below avgNationally 2.87%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
18 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.56% ▼ 0.08% below Oregon avg
View
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.08% below avgNationally 2.87%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 2.56% APY
2.06%2.56%3.06%Oct 13, 2026: 2.56% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
18 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.56% ▼ 0.08% below Oregon avg
View
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.08% below avgNationally 2.87%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 2.56% APY
2.06%2.56%3.06%Oct 13, 2026: 2.56% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
18 Month Certificates (Personal & Business)
$0
2.55% ▼ 0.09% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.09% below avgNationally 2.87%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Peoples Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1528 Biddle Rd, Medford, OR 97504
18 Months Certificates of Deposit
$500
2.53% ▼ 0.11% below Oregon avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▼ 0.11% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
18 Month IRA Term Share Certificate
$1,000
2.50% ▼ 0.14% below Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR 97146 7359
18 Month Certificate
$0
2.50% ▼ 0.14% below Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50%
0.50%2.00%3.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20262.50%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
18 Month Certificates (Personal & Business)
$0
2.50% ▼ 0.14% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
18 Month Certificates (Personal & Business)
$0
2.45% ▼ 0.19% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.19% below avgNationally 2.87%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 10, 2026: 2.45% APYOct 10, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
18 Month Certificate
$0
2.43% ▼ 0.21% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.21% below avgNationally 2.87%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 8 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
18 Month Traditional IRA Certificate of Deposit
$1,000
2.36% ▼ 0.28% below Oregon avg
View
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.28% below avgNationally 2.87%
Details

Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.36% APY
1.86%2.36%2.86%Oct 13, 2026: 2.36% APYOct 13, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR 97209 3959
18 Month Certificate
$500
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Balance: $500 - $74,999.99; Dividend compounded monthly; Certificate Accounts & IRA/ESA Certificates

Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR 97209 3959
Business 18 Month Certificate
$500
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Balance: $500 - $74,999.99; Dividend compounded and credited monthly

Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
18 Month Business Certificates of Deposit
$1,000
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Sep 18, 2026: 2.30% APYSep 18, 2026Oct 13, 2026

Oregon 24 Month CD Rates

MonitorBankRates Oregon Average · 24 Month CD2.58% APY▼ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Oregon is 2.58% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
24 Month Second CD
$10,000
5.09% ▲ 2.51% above Oregon avg
View
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 2.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
24 Month IRA Certificate
$500
4.15% ▲ 1.57% above Oregon avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.57% above avgNationally 2.88%
Details

Term (Days): 731 - 1095

Rate History
1 change since Sep 18, 2026 · 3.00% → 4.15% ▲ 1.15 pts · high 4.15% / low 3.00%
1.85%3.58%5.30%Sep 18, 2026: 3.00% APYOct 1, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.15%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
24 Month Certificate
$0
4.10% ▲ 1.52% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.52% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
24 Month IRA Certificate
$0
4.10% ▲ 1.52% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.52% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
24 Month Certificate
$500
4.05% ▲ 1.47% above Oregon avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.47% above avgNationally 2.88%
Details

Term (Days): 731 - 1095

Rate History
1 change since Sep 14, 2026 · 2.90% → 4.05% ▲ 1.15 pts · high 4.05% / low 2.90%
1.75%3.47%5.20%Sep 14, 2026: 2.90% APYOct 1, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.05%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
24 Month Bump Certificate
$2,500
3.84% ▲ 1.26% above Oregon avg
View
▼
Rate3.77%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.26% above avgNationally 2.88%
Details

Term: 731 - 1095 days

Rate History
1 change since Sep 14, 2026 · 2.70% → 3.84% ▲ 1.14 pts · high 3.84% / low 2.70%
1.56%3.27%4.98%Sep 14, 2026: 2.70% APYOct 1, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.84%▲ from 2.70%
  • Sep 14, 20262.70%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
24 Months Jumbo Certificate
$100,000
3.75% ▲ 1.17% above Oregon avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 1.17% above avgNationally 2.88%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
24 Month IRA
$500
3.61% ▲ 1.03% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 1.03% above avgNationally 2.88%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 24 Month
$1,000
3.61% ▲ 1.03% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 1.03% above avgNationally 2.88%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR 97477
2-Year Certificate
$1,000
3.55% ▲ 0.97% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.97% above avgNationally 2.88%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
24 Months Certificate
$500
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
24 Month Certificate
$0
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR 97222
24 Month Certificate
$100
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
24 Month TCD
$5,000
3.30% ▲ 0.72% above Oregon avg
View
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.72% above avgNationally 2.88%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
2 Year CD
$0
3.30% ▲ 0.72% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
109 Commercial St Ne, Salem, OR 97301
24 Month TCD
$500
3.29% ▲ 0.71% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.71% above avgNationally 2.88%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 24, 2026: 3.29% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
2 1/2 Year IRA
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
24 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.88%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
2 Year Certificate
$0
3.20% ▲ 0.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
24 Month Certificate
$0
3.20% ▲ 0.62% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.62% above avgNationally 2.88%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2880 Chad Dr, Eugene, OR 97408
24-Month Regular Certificate
$500
3.15% ▲ 0.57% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.57% above avgNationally 2.88%
Details

Regular certificate account; minimum balance requirement of $500 to open and earn APY; bump-up option available; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
2 Year IRA Certificate
$0
3.10% ▲ 0.52% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.52% above avgNationally 2.88%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
24 Month Certificate
$15,000
3.05% ▲ 0.47% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 24 Month Fixed Rate CD
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
1 1/2 Years Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 1 1/2 Years Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 3, 2026: 3.00% APYOct 3, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
24 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
24 Month Share Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
24 Month Certificate
$1,000
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
24 Month Certificate
$0
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 24 Month
$500
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
24 Month Certificate
$100
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
24 Month IRA Certificate
$100
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 24 Month
$0
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
24 Month (2 Year) Certificate - Member Perks
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.88%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Oct 9, 2026: 2.79% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 24 Month Certificate - Member Perks
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.88%
Details

Member Perks APY

Rate History
No change since Oct 13, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
2 1/2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 2 1/2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 3, 2026: 2.75% APYOct 3, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 3, 2026: 2.75% APYOct 3, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
24 Month IRA Term Share Certificate
$1,000
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
2 Year Share Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 24 Months
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
24 Month Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR 97321
24 Month Certificates/IRA Certificates
$0
2.70% ▲ 0.12% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.12% above avgNationally 2.88%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
24 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.66% ▲ 0.08% above Oregon avg
View
▼
Rate2.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.08% above avgNationally 2.88%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.66% APY
2.16%2.66%3.16%Oct 13, 2026: 2.66% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
24 Month Certificates (Personal & Business)
$0
2.65% ▲ 0.07% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.07% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
24 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.61% ▲ 0.03% above Oregon avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.03% above avgNationally 2.88%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 2.61% APY
2.11%2.61%3.11%Oct 13, 2026: 2.61% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
24 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.61% ▲ 0.03% above Oregon avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.58%▲ 0.03% above avgNationally 2.88%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 2.61% APY
2.11%2.61%3.11%Oct 13, 2026: 2.61% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
24 Month Certificates (Personal & Business)
$0
2.55% ▼ 0.03% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▼ 0.03% below avgNationally 2.88%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026

Oregon 36 Month CD Rates

MonitorBankRates Oregon Average · 36 Month CD2.50% APY▼ 0.02% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Oregon is 2.50% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
36 Month Certificate
$0
4.20% ▲ 1.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
36 Month IRA Certificate
$0
4.20% ▲ 1.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
36 Month IRA Certificate
$500
3.96% ▲ 1.46% above Oregon avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.46% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.96% ▲ 0.91 pts · high 3.96% / low 3.05%
2.14%3.51%4.87%Sep 18, 2026: 3.05% APYOct 1, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.96%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
36 Months Jumbo Certificate
$100,000
3.80% ▲ 1.30% above Oregon avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.30% above avgNationally 2.81%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
36 Month Certificate
$500
3.75% ▲ 1.25% above Oregon avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.25% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
1 change since Sep 14, 2026 · 2.84% → 3.75% ▲ 0.91 pts · high 3.75% / low 2.84%
1.93%3.30%4.66%Sep 14, 2026: 2.84% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
36 Month IRA
$500
3.61% ▲ 1.11% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 1.11% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 36 Month
$1,000
3.61% ▲ 1.11% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
36 Month Certificate
$0
3.60% ▲ 1.10% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
36 Months Certificate
$500
3.55% ▲ 1.05% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.05% above avgNationally 2.81%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
36 Month Bump Certificate
$2,500
3.54% ▲ 1.04% above Oregon avg
View
▼
Rate3.48%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.04% above avgNationally 2.81%
Details

Term: 1096 - 1460 days

Rate History
1 change since Sep 14, 2026 · 2.63% → 3.54% ▲ 0.91 pts · high 3.54% / low 2.63%
1.72%3.09%4.45%Sep 14, 2026: 2.63% APYOct 1, 2026: 3.54% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.54%▲ from 2.63%
  • Sep 14, 20262.63%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
36 Month IRA Term Share Certificate
$1,000
3.50% ▲ 1.00% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.00% above avgNationally 2.81%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
36 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.75% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.75% above avgNationally 2.81%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
36 Month Share Certificate
$0
3.25% ▲ 0.75% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.75% above avgNationally 2.81%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
3 Year Certificate
$0
3.20% ▲ 0.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%▲ 0.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
36 Month Certificate
$0
3.20% ▲ 0.70% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.70% above avgNationally 2.81%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2880 Chad Dr, Eugene, OR 97408
36-Month Regular Certificate
$500
3.15% ▲ 0.65% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.65% above avgNationally 2.81%
Details

Regular certificate account; minimum balance requirement of $500 to open and earn APY; bump-up option available; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
3 Year IRA Certificate
$0
3.10% ▲ 0.60% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%▲ 0.60% above avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
36 Month Certificate
$15,000
3.05% ▲ 0.55% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
3 Year CD
$0
3.04% ▲ 0.54% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 10, 2026: 3.04% APYOct 10, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
36 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
650 W Main St, John Day, OR 97845
36 Month Share Certificate
$500
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
36 Month Certificate
$1,000
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
36 Month (3 Year) Certificate - Member Perks
$0
2.94% ▲ 0.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.44% above avgNationally 2.81%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 36 Month Certificate - Member Perks
$0
2.94% ▲ 0.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.44% above avgNationally 2.81%
Details

Member Perks APY

Rate History
No change since Oct 13, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
3 Year Share Certificate
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
36 Month Certificate
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 36 Month
$500
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
36 Month Certificate
$100
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
36 Month IRA Certificate
$100
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 36 Month
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR 97321
36 Month Certificates/IRA Certificates
$0
2.80% ▲ 0.30% above Oregon avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.30% above avgNationally 2.81%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 36 Months
$0
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
36 Month Certificate
$0
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR 97222
36 Month Certificate
$100
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
36 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.20% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.20% above avgNationally 2.81%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
36 Month (3 Year) Certificate
$0
2.69% ▲ 0.19% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.19% above avgNationally 2.81%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 8 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 36 Month Certificate
$0
2.69% ▲ 0.19% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 2 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
36 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.65% ▲ 0.15% above Oregon avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.15% above avgNationally 2.81%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
36 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.65% ▲ 0.15% above Oregon avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%▲ 0.15% above avgNationally 2.81%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.15% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.15% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
3 Year Share Certificate
$0
2.60% ▲ 0.10% above Oregon avg
View
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.10% above avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 20, 2026: 2.60% APYSep 20, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
3 Year Certificates (Personal & Business)
$0
2.55% ▲ 0.05% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.05% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 36 Month Fixed Rate CD
$0
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
3 Years Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 3 Years Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
IRA / ESA 36-Month Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
36 Month Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Member Perks Rate: 2.727%; Member Perks APY: 2.75%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
36 Mo Certificate - Regular, IRA, ESA
$500
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 9, 2026: 2.50% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
Business 36 Mo Certificate - Regular, IRA, ESA
$500
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR 97302
Share and IRA Certificates - 3 Year
$500
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Dividend Rate 2.47%; APY 2.50%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026

Oregon 48 Month CD Rates

MonitorBankRates Oregon Average · 48 Month CD2.49% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Oregon is 2.49% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
48 Month Certificate
$0
4.20% ▲ 1.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
48 Month IRA Certificate
$0
4.20% ▲ 1.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
48 Months Jumbo Certificate
$100,000
3.85% ▲ 1.36% above Oregon avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.36% above avgNationally 2.80%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
48 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.26% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.26% above avgNationally 2.80%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
48 Month IRA Certificate
$500
3.71% ▲ 1.22% above Oregon avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.22% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.71% ▲ 0.53 pts · high 3.71% / low 3.18%
2.65%3.45%4.24%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.71%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
48 Months Certificate
$500
3.60% ▲ 1.11% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.11% above avgNationally 2.80%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
48 Month Certificate
$0
3.60% ▲ 1.11% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
48 Month IRA Term Share Certificate
$1,000
3.50% ▲ 1.01% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.01% above avgNationally 2.80%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
48 Month Certificate
$500
3.50% ▲ 1.01% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.01% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
1 change since Sep 14, 2026 · 2.97% → 3.50% ▲ 0.53 pts · high 3.50% / low 2.97%
2.44%3.24%4.03%Sep 14, 2026: 2.97% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 2.97%
  • Sep 14, 20262.97%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
48 Month IRA
$500
3.45% ▲ 0.96% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.96% above avgNationally 2.80%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 48 Month
$0
3.45% ▲ 0.96% above Oregon avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.96% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR 97030 7605
48 Month Bump Certificate
$2,500
3.29% ▲ 0.80% above Oregon avg
View
▼
Rate3.24%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.80% above avgNationally 2.80%
Details

Term: 1461 - 1825 days

Rate History
1 change since Sep 14, 2026 · 2.77% → 3.29% ▲ 0.52 pts · high 3.29% / low 2.77%
2.25%3.03%3.81%Sep 14, 2026: 2.77% APYOct 1, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.29%▲ from 2.77%
  • Sep 14, 20262.77%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
48 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
48 Month Share Certificate
$0
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
48 Month Certificate
$0
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
4 Year Certificate
$0
3.20% ▲ 0.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
4 Year IRA Certificate
$0
3.10% ▲ 0.61% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.61% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
48 Month (4 Year) Certificate - Member Perks
$0
3.05% ▲ 0.56% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 48 Month Certificate - Member Perks
$0
3.05% ▲ 0.56% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Member Perks APY

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
48 Month Certificate
$15,000
3.05% ▲ 0.56% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
4 Year Share Certificate
$0
3.00% ▲ 0.51% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.51% above avgNationally 2.80%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
48 Month Certificate
$1,000
3.00% ▲ 0.51% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR 97321
48 Month Certificates/IRA Certificates
$0
2.90% ▲ 0.41% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.41% above avgNationally 2.80%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
48 Month Certificate
$100
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
48 Month IRA Certificate
$100
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 48 Month
$0
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
48 Month Certificate
$0
2.80% ▲ 0.31% above Oregon avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 48 Month
$500
2.80% ▲ 0.31% above Oregon avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
48 Month (4 Year) Certificate
$0
2.79% ▲ 0.30% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.30% above avgNationally 2.80%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 8 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 48 Month Certificate
$0
2.79% ▲ 0.30% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
4 Year Share Certificate
$0
2.75% ▲ 0.26% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.26% above avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
650 W Main St, John Day, OR 97845
48 Month Share Certificate
$500
2.75% ▲ 0.26% above Oregon avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 5, 2026: 2.75% APYOct 5, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
48 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.26% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.26% above avgNationally 2.80%
Details

OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
48 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.21% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.21% above avgNationally 2.80%
Details

Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
48 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.21% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.21% above avgNationally 2.80%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
4 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.16% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.16% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR 97302
Share and IRA Certificates - 4 Year
$500
2.60% ▲ 0.11% above Oregon avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.11% above avgNationally 2.80%
Details

Dividend Rate 2.57%; APY 2.60%

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
4 Year Certificates (Personal & Business)
$0
2.55% ▲ 0.06% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.06% above avgNationally 2.80%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR 97015
4 Year Share Certificates
$500
2.52% ▲ 0.03% above Oregon avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 12, 2026: 2.52% APYOct 12, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 48 Month Fixed Rate CD
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
4 Years Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 4 Years Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
4 Year Share Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
Certificate Account - 48 Months
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rates effective April 17, 2026

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR 97230 5642
IRA / ESA 48-Month Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
48 Month Traditional IRA Certificate of Deposit
$1,000
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
48 Mo Certificate - Regular, IRA, ESA
$500
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $500-$19,999.99; $500 minimum opening deposit

Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 9, 2026: 2.50% APYOct 9, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR 97201 3464
Business 48 Mo Certificate - Regular, IRA, ESA
$500
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR 97302
4 Year Bump Up Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Bump Up Certificates

Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 9, 2026: 2.50% APYOct 9, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
4 Year Certificates (Personal & Business)
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026

Oregon 60 Month CD Rates

MonitorBankRates Oregon Average · 60 Month CD2.61% APY▲ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Oregon is 2.61% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
60 Month Certificate
$0
4.20% ▲ 1.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR 97850
60 Month IRA Certificate
$0
4.20% ▲ 1.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
60 Month IRA Term Share Certificate
$1,000
4.00% ▲ 1.39% above Oregon avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.39% above avgNationally 2.90%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
60 Months Jumbo Certificate
$100,000
3.87% ▲ 1.26% above Oregon avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.26% above avgNationally 2.90%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87%
3.37%3.90%4.43%Oct 8, 2026: 3.93% APYOct 12, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.87%▼ from 3.93%
  • Oct 8, 20263.93%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
60 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.14% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.14% above avgNationally 2.90%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
60 Month IRA Certificates
$500
3.68% ▲ 1.07% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.07% above avgNationally 2.90%
Details

Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
60 Month Share Certificates
$500
3.68% ▲ 1.07% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.07% above avgNationally 2.90%
Details

Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR 97048
60 Months Certificate
$500
3.62% ▲ 1.01% above Oregon avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.01% above avgNationally 2.90%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62%
3.12%3.65%4.18%Oct 8, 2026: 3.68% APYOct 12, 2026: 3.62% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.62%▼ from 3.68%
  • Oct 8, 20263.68%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR 97501 7941
60 Month Certificate
$0
3.60% ▲ 0.99% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.99% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
60 Month IRA
$500
3.55% ▲ 0.94% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.94% above avgNationally 2.90%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR 97850
Certificates - 60 Month
$1,000
3.55% ▲ 0.94% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.94% above avgNationally 2.90%
Details

Balance: 1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR 97603
60 Month IRA Term Share Certificate
$1,000
3.50% ▲ 0.89% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.89% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2537 SE Hawthorne Blvd, Portland, OR 97214
60 Month Certificate
$0
3.30% ▲ 0.69% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.69% above avgNationally 2.90%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR 97015
5 Year Share Certificates
$500
3.29% ▲ 0.68% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1123 W Harvard Ave, Roseburg, OR 97471 2834
60 Month Share Certificate
$0
3.25% ▲ 0.64% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.64% above avgNationally 2.90%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
5 Year Certificate
$0
3.20% ▲ 0.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
60 Month (5 Year) Certificate - Member Perks
$0
3.15% ▲ 0.54% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Oct 9, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 9, 2026: 3.15% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 60 Month Certificate - Member Perks
$0
3.15% ▲ 0.54% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

Member Perks APY

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
60 Month Certificate
$15,000
3.15% ▲ 0.54% above Oregon avg
View
▼
Rate3.10%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
400 Country Club Rd, Eugene, OR 97401
5 Year IRA Certificate
$0
3.10% ▲ 0.49% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▲ 0.49% above avgNationally 2.90%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR 97402 6520
60 Month Certificate
$1,000
3.10% ▲ 0.49% above Oregon avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
5 Year Share Certificate
$0
3.07% ▲ 0.46% above Oregon avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.46% above avgNationally 2.90%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 25, 2026 · 3.07% APY · checked 4 times
2.57%3.07%3.57%Sep 25, 2026: 3.07% APYSep 25, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR 97321
60 Month Certificates/IRA Certificates
$0
3.00% ▲ 0.39% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.39% above avgNationally 2.90%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR 97330 2179
60 months Standard Certificate
$500
3.00% ▲ 0.39% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.39% above avgNationally 2.90%
Details

APY* for balances of $100,000 or more: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 1, 2026: 3.00% APYOct 1, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
60 Month (5 Year) Certificate
$0
2.89% ▲ 0.28% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.28% above avgNationally 2.90%
Details

Share Certificate Accounts; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 8 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA Certificate - 60 Month Certificate
$0
2.89% ▲ 0.28% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.28% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR 97330 2179
60 months Standard Certificate
$500
2.89% ▲ 0.28% above Oregon avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.28% above avgNationally 2.90%
Details

APY* for balances of $25,000 - $99,999: 2.85%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 1, 2026: 2.89% APYOct 1, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
5 Year Share Certificate
$0
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
60 Month Certificate
$100
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
60 Month IRA Certificate
$100
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR 97838
Commercial 60 Month
$0
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR 97330 2179
60 months Standard Certificate
$500
2.84% ▲ 0.23% above Oregon avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.23% above avgNationally 2.90%
Details

APY* for balances of $500 - $24,999: 2.80%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 1, 2026: 2.84% APYOct 1, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
60 Month Traditional IRA Certificate of Deposit - OnPoint Rewards
$1,000
2.81% ▲ 0.20% above Oregon avg
View
▼
Rate2.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.20% above avgNationally 2.90%
Details

Balance: $1,000+; OnPoint Rewards rate; additional products and services required to qualify; Subsequent deposits allowed; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.81% APY
2.31%2.81%3.31%Oct 13, 2026: 2.81% APYOct 13, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR 97229 5561
5 Year CD
$0
2.78% ▲ 0.17% above Oregon avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 10, 2026: 2.78% APYOct 10, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR 97217
60 Month Certificate
$0
2.75% ▲ 0.14% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.14% above avgNationally 2.90%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
60 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.14% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.14% above avgNationally 2.90%
Details

Balance: $1,000+; Qualifications Required; Must qualify for OnPoint Rewards; Opening deposit $1,000+; Rates effective 10-12-2026

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
60 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.14% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.14% above avgNationally 2.90%
Details

OnPoint Rewards rate; requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account per monthly cycle; Opening deposit $1,000

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR 97302
Share and IRA Certificates - 5 Year
$500
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Dividend Rate 2.67%; APY 2.70%

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
60 Month Certificate
$0
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
810 Burkhart St SE, Albany, OR 97322
IRA Certificate Accounts - 60 Month
$500
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
5 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.04% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.04% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2021 NE Sandy Blvd, Portland, OR 97232
5 Year Share Certificate
$0
2.60% ▼ 0.01% below Oregon avg
View
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▼ 0.01% below avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 20, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 20, 2026: 2.60% APYSep 20, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR 97302
5 Year Bump Up Certificate
$0
2.60% ▼ 0.01% below Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▼ 0.01% below avgNationally 2.90%
Details

Bump Up Certificates

Rate History
No change since Oct 9, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 9, 2026: 2.60% APYOct 9, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2701 NW Vaughn St, Portland, OR 97210
60 Month Traditional IRA Certificate of Deposit
$1,000
2.55% ▼ 0.06% below Oregon avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oregon Average2.61%▼ 0.06% below avgNationally 2.90%
Details

Balance: $1,000+; Subsequent deposits allowed; Booster Rate applies to CDs opened prior to May 1, 2023; Traditional & Roth IRA Certificates of Deposit

Rate History
No change since Oct 13, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
950 SE 10th Ave, Portland, OR 97214 2567
5 Year Certificates (Personal & Business)
$0
2.55% ▼ 0.06% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▼ 0.06% below avgNationally 2.90%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
1720 Saint Helens St, Saint Helens, OR 97051 1745
60-Month Share Certificate
$500
2.53% ▼ 0.08% below Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▼ 0.08% below avgNationally 2.90%
Details

Balance: $50,000 to $99,999

Rate History
No change since Sep 25, 2026 · 2.53% APY · checked 4 times
2.03%2.53%3.03%Sep 25, 2026: 2.53% APYSep 25, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
4900 Meadows Rd, Lake Oswego, OR 97035
Business 60 Month Fixed Rate CD
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
5 Year IRA
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
5 Years Certificate
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR 97128
Business 5 Years Certificate
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
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 Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Oregon Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Pioneer Trust Bank
6 Month TCD
A 5.0 ★ TX: 6.26%
Min: $100,000
4.07%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
First Federal S&L of McMinnville
3 Month Certificate
A+ 5.0 ★ TX: 0.22%
Min: $0
3.85%
Pacific West Bank
1-Year CD / IRA CD
B 4.4 ★ TX: 21.85%
Min: $0
3.85%
CU Top 5 Credit Union Rates
IQ Credit Union
24 Month Second CD
A+ 5.0 ★ TX: 5.25%
Min: $10,000
5.09%
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
Horizon Credit Union
12 Month IRA
A+ 5.0 ★ TX: 1.61%
Min: $500
4.38%
Northwest Adventist Federal Credit Union
1-Year Certificate
A+ 5.0 ★ TX: 3.34%
Min: $0
4.33%
Potlatch No 1 Financial Credit Union
36 Month Certificate
A+ 5.0 ★ TX: 3.49%
Min: $0
4.20%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Oregon CD Rate Trends

Compare local Oregon CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Oregon CD Trends
12-Month CD OR Avg
2.913%
▲ 0.048 vs 7 days ago

Oregon 12-month CD rates rose 0.048 points over the past 7 days to 2.913% APY.

6-Month CD OR Avg
2.834%
▲ 0.028 vs 7 days ago

Oregon 6-month CD rates rose 0.028 points over the past 7 days to 2.834% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

OR CD Rate Forecast, Next 12 Months

Where are Oregon CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

OR 12-Month Avg APY
2.913%
6-Month Forecast
2.913%
Range: 2.71%, 3.06%
12-Month Forecast
3.163%
Range: 2.96%, 3.31%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Oregon average 12-month CD APY in our database.

Spread model: The Oregon 12-month CD average currently trades 1.46% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at OR CD Rates Today

Annual interest earnings at today’s Oregon average APYs. State average used where available; national average as fallback.

CD Term OR Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.771% $88.57 $177.13 $442.83 $885.65
6-Month CD 2.834% $141.71 $283.42 $708.55 $1,417.10
12-Month CD 2.913% $145.63 $291.25 $728.13 $1,456.25
18-Month CD 2.643% $132.13 $264.26 $660.65 $1,321.30
24-Month CD 2.582% $129.10 $258.20 $645.50 $1,291.00
36-Month CD 2.502% $125.11 $250.21 $625.53 $1,251.05
48-Month CD 2.491% $124.56 $249.12 $622.80 $1,245.60
60-Month CD 2.606% $130.28 $260.55 $651.38 $1,302.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Oregon Savers

$25,000 split equally across 5 terms using today’s Oregon average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit OR Avg APY Annual Earnings
1 3-Month CD $5,000 1.771% $88.57
2 6-Month CD $5,000 2.834% $141.71
3 12-Month CD $5,000 2.913% $145.63
4 24-Month CD $5,000 2.582% $129.10
5 36-Month CD $5,000 2.502% $125.11
Total ($25,000 invested) $25,000 2.520% blended $630.12/yr

Ladder example uses equal $5,000 rungs and Oregon average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
759
CD Rates
Tracked in Oregon
15 Banks 42 Credit Unions

About Our Oregon CD Rate Database

MonitorBankRates tracks 759 CD rates from 15 banks and 42 credit unions with locations in Oregon, plus national online institutions available to Oregon residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: IQ Credit Union offers a CD at 5.09% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Oregon.

How to Find the Best CD Rates in Oregon

What to compare when shopping for a CD in Oregon

To find the best APYs in Oregon, start with credit unions and online-only banks: Oregon has 42 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Oregon

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Oregon: 57 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Oregon savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Oregon money market rates

Oregon Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
19.1%
National avg: 17.3%
Median Individual Earnings
$45,919
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At OR 12-mo avg 2.913% APY

19.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR 12-month CD average of 2.913%, saving 10% of the local median salary ($4,591/year) and putting it in a CD would earn an additional $134 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Oregon

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Oregon

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Oregon typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Oregon as everywhere in the U.S.

Choosing a CD Term in Oregon

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Oregon savers easier access to their funds. For example, Pioneer Trust Bank is offering its 6 Month TCD at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Potlatch No 1 Financial Credit Union is offering its 60 Month Certificate at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Oregon Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Oregon saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Oregon

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Oregon CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Oregon

Most CDs carry a fixed rate that is locked for the entire term, protecting a Oregon depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Oregon

Are CD rates in Oregon FDIC insured?

Yes, most established banks in Oregon are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Oregon?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Oregon.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Oregon may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Oregon?

Here are recent top rates found for this area:
  • IQ Credit Union: 5.09% APY (24 Month Second CD)
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
  • Horizon Credit Union: 4.38% APY (12 Month IRA)
  • Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
  • Potlatch No 1 Financial Credit Union: 4.20% APY (36 Month Certificate)
  • Oregonians Credit Union: 4.15% APY (24 Month IRA Certificate)
  • Pioneer Trust Bank: 4.07% APY (6 Month TCD)
  • CIT Bank: 4.00% APY (1-Year CD)
  • Fibre Federal Credit Union: 3.93% APY (12 Months Jumbo Certificate)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
Rates reflect recent verified offers available in Oregon. Last Updated: October 13, 2026

Oregon CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Oregon rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Oregon CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Oregon. Averages shown use the Oregon state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Oregon

Oregon CD Calculator

At today’s OR top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.

Oregon CD Ladder

OR CD rates currently range from 1.771% (3-month) to 2.502% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Oregon CD at 5.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Oregon’s average 12-month CD is 2.913% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oregon CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oregon directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oregon. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OR.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Oregon Rates & Resources

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