Oregon Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Oregon CD rates include Horizon Credit UnionHorizon Credit Union209 Depot St, La Grande, OR 97850A+5.0 ★Texas Ratio: 0.84%Real return: +2.20%APY minus CPI (February 2026) offering 18-Month Certificate at 5.00% APY, Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit Union10333 SE Main St, Portland, OR 97216 2940A+5.0 ★Texas Ratio: 3.16%Real return: +1.53%APY minus CPI (February 2026) offering 1-Year Certificate at 4.33% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union12893 SE 97th Ave, Clackamas, OR 97015A+5.0 ★Texas Ratio: 5.35%Real return: +1.45%APY minus CPI (February 2026) offering 3 Year Certificates at 4.25% APY, M&T BankM&T Bank4000 Kruse Way Place, Lake Oswego, OR 97035A5.0 ★Texas Ratio: 6.93%Real return: +1.05%APY minus CPI (February 2026) offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY, and 1st Security Bank of Washington1st Security Bank of Washington98 South Oregon Street, Ontario, OR 97914A+5.0 ★Texas Ratio: 4.31%Real return: +1.05%APY minus CPI (February 2026) offering 1-Year CD at 3.85% APY. CD rates as of September 21, 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 5.00% APY from Horizon Credit Union at 209 Depot St, La Grande, OR 97850. 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: September 21, 2026
Compare Best CD Rates in Oregon
Oregon 3 Month CD Rates
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Tiered Rates
Balance: $25,000.00 to $99,999.99
Compounding: Quarterly; Balance: $500 - $4,999.99
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Must qualify for OnPoint Rewards.
Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%
Term (Days): 91 - 180
Term (Days): 91 - 180
Member Perks
Member Perks APY: 0.85%
Balance: $500 - $9,999.99
$90,000 +
Balance: $90,000 +
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
$1,000 +
Interest Compounded/Credited: Monthly/Monthly
Oregon 6 Month CD Rates
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Compounding: Monthly**; Balance: $100,000+
APY 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.
Compounding: Monthly**; Balance: $5,000 - $99,999.99
Loyalty Length: 25 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
Max. Balance: $100,000.00; Auto Renewal: Yes; Early Withdrawal Penalty: Up to 3 months of dividend
Compounding: Quarterly; Balance: $500 - $4,999.99
Balance: $0.01 -$49,999.99
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Balance: $25,000.00 to $99,999.99
Loyalty Length: 15 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
Dividend Rate with Certificate Reward: Tier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate Reward: Tier 1: 3.40 %; Tier 2: 3.65 %
Loyalty Length: 5 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED. PARTIAL WITHDRAWAL OF PRINCIPAL IS NOT PERMITTED. OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT. CURRENT CUSTOMERS MAY OPEN THIS ACCOUNT BY LOGGING IN TO ONLINE BANKING. NON-CUSTOMERS MUST VISIT THEIR LOCAL BRANCH TO OPEN THIS ACCOUNT. MINIMUM OPENING DEPOSIT FOR THE 1ST RATE MONEY MARKET REQUIRES $50,000 IN NEW MONEY AND CAN BE COMBINED WITH OTHER FUNDS ON DEPOSIT AT THE BANK. NEW MONEY IS DEFINED AS FUNDS FROM ANOTHER INSTITUTION. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE.
Balance: $50,000+
Member Perks
Balance: $10,000-$49,999.99
Balance: $500 - $9,999.99
Term (Days): 181 - 365
Term (Days): 181 - 365
Oregon 12 Month CD Rates
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
APY 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.
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.
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details.
Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details.
Interest Rate $500 - $24,999.99: 3.65%; APY $500- $24,999.99: 3.71%; Interest Rate $25,000 - $99,999.99: 3.65%; APY $25,000 - $99,999.99: 3.71%; Interest Rate >$100,000: 3.65%; APY >$100,000: 3.71%; Interest Compounded & Credited: Monthly
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Term: Add-On 1 Year Certificate
Balance: $25,000.00 to $99,999.99
Balance: $25,000.00 to $99,999.99
Balance: $50,000+
Member Perks APY: 3.46%
Term (Days): 366 - 730
Compounded and Paid: Monthly
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED. PARTIAL WITHDRAWAL OF PRINCIPAL IS NOT PERMITTED. OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT. CURRENT CUSTOMERS MAY OPEN THIS ACCOUNT BY LOGGING IN TO ONLINE BANKING. NON-CUSTOMERS MUST VISIT THEIR LOCAL BRANCH TO OPEN THIS ACCOUNT. MINIMUM OPENING DEPOSIT FOR THE 1ST RATE MONEY MARKET REQUIRES $50,000 IN NEW MONEY AND CAN BE COMBINED WITH OTHER FUNDS ON DEPOSIT AT THE BANK. NEW MONEY IS DEFINED AS FUNDS FROM ANOTHER INSTITUTION. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE.
Compounded and Paid: Monthly
Term (Days): 366 - 730
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Compounding: Quarterly; Balance: $500 - $4,999.99
Balance: $10,000-$49,999.99
Balance: $0.01 -$49,999.99
Term: 1 Year IRA Certificate; $1,000 minimum balance to open
Balance: $1,000-$9,999.99
Member Perks
Oregon 18 Month CD Rates
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Maximum deposit of $1M per individual.
The IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Maximum deposit of $1 million per individual.
Requires a qualifying checking account.
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Dividend Rate with Certificate Reward: Tier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate Reward: Tier 1: 3.40 %; Tier 2: 3.65 %
Compounded and Paid: Monthly
Compounding: Monthly**; Balance: $5,000 - $99,999.99
Compounding: Quarterly; Balance: $500 - $4,999.99
The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
APY for balances of $500 - $24,999
Compounded and Paid: Monthly
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Interest Rate $500 - $24,999.99: 2.57%; APY $500- $24,999.99: 2.60%; Interest Rate $25,000 - $99,999.99: 2.57%; APY $25,000 - $99,999.99: 2.60%; Interest Rate >$100,000: 2.57%; APY >$100,000: 2.60%; Interest Compounded & Credited: Monthly
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Interest Compounded/Credited: Monthly/Monthly
Member Perks APY: 2.69%
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Must qualify for OnPoint Rewards.
Interest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%
Dividends Compounded and Credited: Monthly; Minimum Opening Balance: $500
Dividends Compounded and Credited: Monthly; Minimum Opening Balance: $50,000
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Balance: $500 - $9,999.99
Oregon 24 Month CD Rates
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
With .50% Bonus**; Balance: $100,000.00 or more
Balance: $25,000.00 to $99,999.99
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Compounding: Monthly**; Balance: $5,000 - $99,999.99
Compounding: Quarterly; Balance: $500 - $4,999.99
Balance: $0.01 -$49,999.99
The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
Term: 2 Year IRA Certificate; $1,000 minimum balance to open
Compounded and Paid: Monthly
Term (Days): 731 - 1095
Compounded and Paid: Monthly
Term (Days): 731 - 1095
Balance: $50,000+
Member Perks
Interest Rate $500 - $24,999.99: 2.67%; APY $500- $24,999.99: 2.70%; Interest Rate $25,000 - $99,999.99: 2.67%; APY $25,000 - $99,999.99: 2.70%; Interest Rate >$100,000: 2.67%; APY >$100,000: 2.70%; Interest Compounded & Credited: Monthly
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Term (Days): 731 - 1095
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Interest Compounded/Credited: Monthly/Monthly
Member Perks APY: 2.79%
Balance: $10,000-$49,999.99
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Oregon 36 Month CD Rates
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
1x Bump Up
With .50% Bonus**; Balance: $100,000.00 or more
Balance: $25,000.00 to $99,999.99
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Term: 3-Year Bump-It-Up Certificate
Balance: $0.01 -$49,999.99
The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
Term: 3 Year IRA Certificate; $1,000 minimum balance to open
Term (Days): 1096 - 1460
Compounded and Paid: Monthly
Compounded and Paid: Monthly
Balance: $50,000+
Term (Days): 1096 - 1460
Interest Rate $500 - $24,999.99: 2.76%; APY $500- $24,999.99: 2.80%; Interest Rate $25,000 - $99,999.99: 2.76%; APY $25,000 - $99,999.99: 2.80%; Interest Rate >$100,000: 2.76%; APY >$100,000: 2.80%; Interest Compounded & Credited: Monthly
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Member Perks
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Member Perks APY: 2.94%
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Term (Days): 1096 - 1460
Balance: $10,000-$49,999.99
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Dividends Compounded and Credited: Monthly; Minimum Opening Balance: $500
Dividends Compounded and Credited: Monthly; Minimum Opening Balance: $500
Must qualify for OnPoint Rewards.
Oregon 48 Month CD Rates
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Balance: $1,000.00 to $24,999.99
Balance: $25,000.00 to $99,999.99
Balance: $0.01 -$49,999.99
Term (Days): 1461 - 1825
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
Compounded and Paid: Monthly
Balance: $50,000+
Compounded and Paid: Monthly
Term (Days): 1461 - 1825
Interest Rate $500 - $24,999.99: 2.86%; APY $500- $24,999.99: 2.90%; Interest Rate $25,000 - $99,999.99: 2.86%; APY $25,000 - $99,999.99: 2.90%; Interest Rate >$100,000: 2.86%; APY >$100,000: 2.90%; Interest Compounded & Credited: Monthly
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Member Perks APY: 3.05%
Term (Days): 1461 - 1825
Balance: $10,000-$49,999.99
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Balance: $1,000-$9,999.99
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Must qualify for OnPoint Rewards.
Interest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED. PARTIAL WITHDRAWAL OF PRINCIPAL IS NOT PERMITTED. OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT. CURRENT CUSTOMERS MAY OPEN THIS ACCOUNT BY LOGGING IN TO ONLINE BANKING. NON-CUSTOMERS MUST VISIT THEIR LOCAL BRANCH TO OPEN THIS ACCOUNT. MINIMUM OPENING DEPOSIT FOR THE 1ST RATE MONEY MARKET REQUIRES $50,000 IN NEW MONEY AND CAN BE COMBINED WITH OTHER FUNDS ON DEPOSIT AT THE BANK. NEW MONEY IS DEFINED AS FUNDS FROM ANOTHER INSTITUTION. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE.
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Balance: $500 - $9,999.99
Interest Computation Method: Compounded; Interest Period: Monthly
Term: 48 Months - 59 Months; Minimum opening deposit: $500 - $24,999. CDs and IRAs have a $500 minimum opening deposit.
Oregon 60 Month CD Rates
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Tiered Rates
Balance: $25,000.00 to $99,999.99
Balance: $25,000.00 to $99,999.99
Balance: $0.01 -$49,999.99
Compounded and Paid: Monthly
Term: 5 Year IRA Certificate; $1,000 minimum balance to open
Compounded and Paid: Monthly
Interest Rate $500 - $24,999.99: 2.96%; APY $500- $24,999.99: 3.00%; Interest Rate $25,000 - $99,999.99: 2.96%; APY $25,000 - $99,999.99: 3.00%; Interest Rate >$100,000: 2.96%; APY >$100,000: 3.00%; Interest Compounded & Credited: Monthly
Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly
Balance: $100,000 or more; The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership.
Member Perks APY: 3.15%
Balance: $25,000 - $99,999; The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership.
Balance: $10,000-$49,999.99
Balance: $500 - $24,999; The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Member Perks
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; OnPoint Rewards
Balance: $1,000-$9,999.99
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Must qualify for OnPoint Rewards.
Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%
Balance: $500-$19,999.99
Balance: $500-$19,999.99
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 7/31/2026. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. EARLY WITHDRAWAL PENALTY MAY APPLY. TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED. PARTIAL WITHDRAWAL OF PRINCIPAL IS NOT PERMITTED. OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT. CURRENT CUSTOMERS MAY OPEN THIS ACCOUNT BY LOGGING IN TO ONLINE BANKING. NON-CUSTOMERS MUST VISIT THEIR LOCAL BRANCH TO OPEN THIS ACCOUNT. MINIMUM OPENING DEPOSIT FOR THE 1ST RATE MONEY MARKET REQUIRES $50,000 IN NEW MONEY AND CAN BE COMBINED WITH OTHER FUNDS ON DEPOSIT AT THE BANK. NEW MONEY IS DEFINED AS FUNDS FROM ANOTHER INSTITUTION. AT MATURITY, THE 15-MONTH PROMOTIONAL CD WILL RENEW INTO THE BANK'S 1-YEAR CD AT THE PREVAILING RATE.
Balance: $500 - $9,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Oregon 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
Oregon 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
OR CD Rate Forecast, Next 12 Months
Where are Oregon CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | OR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
Tracked in Oregon
About Our Oregon CD Rate Database
MonitorBankRates tracks 560 CD rates from 14 banks and 34 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 (1–5), 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: Horizon Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. 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 34 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: 48 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
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 2.952%, saving 10% of the local median salary ($4,591/year) and putting it in a CD would earn an additional $136 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 (90–180 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, Northwest Adventist Federal Credit Union is offering its 6-Month Certificate 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 Account at 3.85% 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?
Do I have to pay state taxes on CD interest in Oregon?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Oregon?
- Horizon Credit Union: 5.00% APY (18-Month Certificate)
- Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
- Ukrainian Federal Credit Union: 4.25% APY (3 Year Certificates)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- 1st Security Bank of Washington: 3.85% APY (1-Year CD)
- Oregon State Credit Union: 3.85% APY (12-Month Special Certificate)
- Potlatch No 1 Financial Credit Union: 3.85% APY (60 Month Certificate Account)
- Pioneer Trust Bank: 3.82% APY (6 Month TCD)
- IBEW And United Workers Federal Credit Union: 3.82% APY (6 MONTH SHARE CERTIFICATE)
- Teamsters Council #37 Federal Credit Union: 3.75% APY (IRA / ESA 12-Month Certificate)
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.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oregon
At today’s OR top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Oregon CD LadderOR CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Oregon CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOregon’s average 12-month CD is 2.952% 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.
Cities in Oregon
