CD Rates Salem, Oregon (OR) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Salem, Oregon CD rates include Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union750 Browning Ave SE, Salem, OR 97302 3806A+5.0 ★Texas Ratio: 0.55%Real return: +1.20%APY minus CPI (February 2026) offering IRA / ESA 12-Month Certificate at 4.00% APY, Pioneer Trust BankPioneer Trust Bank109 Commercial St Ne, Salem, OR 97301A+5.0 ★Texas Ratio: 2.87%Real return: +1.02%APY minus CPI (February 2026) offering 6 Month TCD at 3.82% APY, Unitus Community Credit UnionUnitus Community Credit Union3820 Market St NE, Salem, OR 97301 1830A+5.0 ★Texas Ratio: 4.22%Real return: +0.95%APY minus CPI (February 2026) offering 12 Mo Certificate - Regular, IRA, ESA at 3.75% APY, Central Willamette Credit UnionCentral Willamette Credit Union852 Lancaster Dr SE, Salem, OR 97317A5.0 ★Texas Ratio: 6.01%Real return: +0.91%APY minus CPI (February 2026) offering Flex 12 CDx (Consumer, IRA, & Business)****** 12 Months at 3.71% APY, and SELCO Community Credit UnionSELCO Community Credit Union3833 Commercial St SE, Salem, OR 97302A+5.0 ★Texas Ratio: 3.37%Real return: +0.80%APY minus CPI (February 2026) offering 18 Months Certificate Reward Tier 2 at 3.60% APY. CD rates as of April 26, 2026 according to verified data from MonitorBankRates.
We compared 74 CD rates from 9 banks and credit unions with local branches in Salem, Oregon. You can also compare 275 CD rates from 32 banks and credit unions available to Oregon residents, including national online banks.
Salem has 53 local institutions in our database, with CD rates as high as 4.00% APY from Teamsters Council #37 Federal Credit Union at 750 Browning Ave SE, Salem, OR 97302 3806. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Oregon area. Rates are continually updated — 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: April 26, 2026
Compare Best CD Rates in Salem, Oregon & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
3 Month TCD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 3 Months
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 3 months
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
580 State St, Salem, OR 97301
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Short Term Certificates
$0
3.65%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Month Certificate Accounts
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 3 Months
$0
1.38%
▼
Rate1.37%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Months Share Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 3 months
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month Certificate of Deposit (CD)
$0
0.40%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
6 Month TCD
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
6 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
3833 Commercial St SE, Salem, OR 97302
6 Months Certificate Reward Tier 2
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Certificate Reward
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 6-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 6 months
$1,000
2.01%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
6 Months Share Certificate and IRA
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 6 Months
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 6 Months
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
580 State St, Salem, OR 97301
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6-Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate Account
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Short Term Certificates
$0
3.55%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
6 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Mo. Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
6 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month & Easy Saver Certificate Accounts
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
6-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
6 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
6 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 6 Months
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
6 Month Certificate
$15,000
1.15%
▼
Rate1.14%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6-Month Certificate of Deposit (CD)
$0
1.00%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 12-Month Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
12 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Flex 12 CDx (Consumer, IRA, & Business)****** 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
12 Month TCD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 12 months
$1,000
2.51%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
12 Months Share Certificate and IRA
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 12 Months
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
580 State St, Salem, OR 97301
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
1-Year Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 12 months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1-Year Certificate of Deposit (CD)
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
12 Month Special IRA
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
12 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate Account
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1-Year CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Earn up to 3.25% APY with a 1-Year CD special. Visit your local branch or open online today.
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Long Term Certificates
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Embold Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
12-Month Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificate Accounts
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 12 Months
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
12 month CD
$1,000
3.05%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
12-Month Share Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
12 Month Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year IRA Term Share Special
$50,000
2.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
12 Month Certificate
$15,000
2.05%
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$0
0.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
3833 Commercial St SE, Salem, OR 97302
18 Months Certificate Reward Tier 2
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Certificate Reward
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
18 Mo Certificate - Regular, IRA, ESA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
18 Month TCD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 18-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 18 Months
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 18 months
$1,000
2.56%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
18 Months Share Certificate and IRA
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 18 Months
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
18 Month Money Builder Certificates
$25
3.39%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 26, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate Account
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificate Accounts
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
18 Month Certificate
$15,000
2.15%
▼
Rate2.13%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
18 Month IRA
$100
1.95%
▼
Rate1.94%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
24 Month TCD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 24 Months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 24 months
$1,000
2.61%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 24-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
24 Months Share Certificate and IRA
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 24 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 1/2 Year IRA
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 24 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
24 Month Certificate Accounts
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
24 Month Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
24 Month Certificate
$15,000
2.55%
▼
Rate2.52%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
24 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 24 months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
2 Year IRA Term Share Special
$50,000
2.35%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2 Year IRA
$100
2.20%
▼
Rate2.18%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificates of Deposit 2-Year
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
24-Month Share Certificate
$50,000
1.76%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
2-Year Certificate of Deposit (CD)
$0
1.40%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 36 Months
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 36 months
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 36-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
36 Months Share Certificate and IRA
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 36 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 36 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 Month Certificate Accounts
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
36 Month Certificate
$15,000
2.65%
▼
Rate2.62%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 36 months
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
36 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Years Long Term Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Year IRA Term Share Special
$50,000
2.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
3 Year IRA
$100
2.30%
▼
Rate2.28%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
36-Month Share Certificate
$50,000
2.27%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Year Certificate of Deposit (CD)
$0
1.90%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 48 Months
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 48 months
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR 97302 3806
IRA / ESA 48-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
48 Months Share Certificate and IRA
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 48 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificates 48 Months
$0
3.18%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
48 Month Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificate Accounts
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Years Long Term Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 48 months
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
4 Year IRA
$100
2.35%
▼
Rate2.33%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificates of Deposit 48-Month
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
48 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR 97317
Certificates/IRA Certificates 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR 97304
Business Certificates of Deposit 60 months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Must qualify for OnPoint Rewards.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3820 Market St NE, Salem, OR 97301 1830
60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
631 Winter St NE, Salem, OR 97301
60 Months Share Certificate and IRA
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
451 Division St NE, Salem, OR 97301
Certificate Accounts 60 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
60 Month Certificate
$15,000
3.15%
▼
Rate3.10%
Min Deposit$15,000
Min Balance—
UpdatedApr 26, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
60 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60 Month Certificate Accounts
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
60-Month Share Certificate
$50,000
2.53%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 26, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
$500 - $74,999.99
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year IRA
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Regular Share Certificate of Deposit 60 months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
5 Year IRA
$100
2.40%
▼
Rate2.38%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificates of Deposit 5-Year
$500
1.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Salem, OR CD Rate Trends
Compare local Salem, OR 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.
12-Month CD — OR Avg
2.369%
▼ 0.016 vs 7 days ago
Oregon 12-month CD rates fell 0.016 points over the past 7 days to 2.369% APY.
6-Month CD — OR Avg
1.846%
▼ 0.007 vs 7 days ago
Oregon 6-month CD rates fell 0.007 points over the past 7 days to 1.846% APY.
As of Apr 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OR CD Rate Forecast — Next 12 Months
Where are Oregon CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OR 12-Month Avg APY
2.369%
6-Month Forecast
2.369%
Range: 2.17% – 2.52%
12-Month Forecast
2.119%
Range: 1.92% – 2.27%
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 | 0.893% | $44.64 | $89.27 | $223.18 | $446.35 |
| 6-Month CD | 1.846% | $92.31 | $184.62 | $461.55 | $923.10 |
| 12-Month CD | 2.369% | $118.46 | $236.92 | $592.30 | $1,184.60 |
| 18-Month CD | 2.491% | $124.54 | $249.07 | $622.68 | $1,245.35 |
| 24-Month CD | 2.501% | $125.03 | $250.06 | $625.15 | $1,250.30 |
| 36-Month CD | 2.464% | $123.18 | $246.35 | $615.88 | $1,231.75 |
| 48-Month CD | 2.566% | $128.29 | $256.57 | $641.43 | $1,282.85 |
| 60-Month CD | 2.292% | $114.61 | $229.21 | $573.03 | $1,146.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 26, 2026. | |||||
Sample CD Ladder for Salem, 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 | 0.893% | $44.64 |
| 2 | 6-Month CD | $5,000 | 1.846% | $92.31 |
| 3 | 12-Month CD | $5,000 | 2.369% | $118.46 |
| 4 | 24-Month CD | $5,000 | 2.501% | $125.03 |
| 5 | 36-Month CD | $5,000 | 2.464% | $123.18 |
| Total ($25,000 invested) | $25,000 | 2.014% blended | $503.62/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.
275
CD Rates
Tracked in Salem, Oregon
Tracked in Salem, Oregon
8 Banks
22 Credit Unions
About Our Salem, Oregon CD Rate Database
MonitorBankRates tracks 275 CD rates from 8 banks and 22 credit unions with locations in Salem, 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: Teamsters Council #37 Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Salem, Oregon.
How to Find the Best CD Rates in Salem, Oregon
What to compare when shopping for a CD in Salem, Oregon
To find the best APYs in Salem, Oregon, start with credit unions and online-only banks — Salem, Oregon has 22 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 Salem, 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 Salem, Oregon — 30 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Salem, Oregon savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Salem, Oregon money market rates
Salem, Oregon Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
15.8%
National avg: 17.3%
Median Individual Earnings
$39,788
National avg: $47,340
Poverty Rate
14.4%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$94/yr
At OR 12-mo avg 2.369% APY
15.8% of residents are 65 or older — below the national average of 17.3%. At today’s OR 12-month CD average of 2.369%, saving 10% of the local median salary ($3,978/year) and putting it in a CD would earn an additional $94 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 Salem, 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 |
Frequently Asked Questions about CD Rates in Salem, Oregon
Are CD rates in Salem, Oregon FDIC insured?
Yes, most established banks in Salem, 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 Salem, 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 Salem, 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 Salem, 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 Salem, Oregon?
Here are recent top rates found for this area:
- Teamsters Council #37 Federal Credit Union: 4.00% APY (IRA / ESA 12-Month Certificate)
- Pioneer Trust Bank: 3.82% APY (6 Month TCD)
- Unitus Community Credit Union: 3.75% APY (12 Mo Certificate - Regular, IRA, ESA)
- Central Willamette Credit Union: 3.71% APY (Flex 12 CDx (Consumer, IRA, & Business)****** 12 Months)
- SELCO Community Credit Union: 3.60% APY (18 Months Certificate Reward Tier 2)
- OnPoint Community Credit Union: 2.75% APY (Business Certificates of Deposit 60 months)
- Heritage Grove Federal Credit Union: 2.50% APY (60 Months Share Certificate and IRA)
- Marion And Polk Schools Credit Union: 1.90% APY (Certificate Accounts 3 Months)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
Rates reflect recent verified offers available in Salem, Oregon. Last Updated: April 26, 2026
CD Calculators for Salem, Oregon
Salem, Oregon CD Calculator
At today’s OR top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Salem, Oregon CD LadderOR CD rates currently range from 0.893% (3-month) to 2.464% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Salem, Oregon CD at 4.00% 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 2.369% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Salem, 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 pulling data straight 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 Salem, 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: April 26, 2026
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