Credit union · NCUA insured
Central Willamette Credit Union CD Rates
Central Willamette Credit Union’s best CD rate is 4.16% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Central Willamette Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, OR, where Central Willamette Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Willamette Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $416
Flex 12 CDx
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
Central Willamette Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo2.70%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.16%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central Willamette Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Flex 12 CDx
4.16%APY · 1 term
Variable dividend rate and APY effective 10/01/2026 through 12/31/2026. Rate is market-linked, determined by the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter, effective on the first business day of the next quarter. Minimum opening deposit is $750. Subsequent deposits can be added at a minimum of $2,500 or more per deposit at any time. Early withdrawal penalty applies.
| Term | APY · $500 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsVariable rate based on 3-Month Treasury Bill. Minimum opening deposit $750; subsequent deposits $2,500 or more | 4.16% | 4.16% | 4.16% | 4.16%4.16% $25k–$100k4.16% from $100k | $416 |
Sources (3)
- centralwcu.org/the-flex12-cdx
- centralwcu.org/credit-union-pe…/certificates-of-deposit
- centralwcu.org/resources/rates
All captured Oct 3, 2026
Certificates
Up to 3.00%APY · 7 terms
Interest compounded and credited monthly. Substantial penalty imposed for early withdrawal equal to forfeiture of interest equal to one half of the original term of the account's interest. Membership requirements apply.
| Term | APY · $500 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsInterest Compounded & Credited Monthly | 1.25% | 1.25% | 1.25% | 1.25%1.25% $25k–$100k1.25% from $100k | $62 |
| 12 monthsInterest Compounded & Credited Monthly | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$100k2.50% from $100k | $250 |
| 18 monthsInterest Compounded & Credited Monthly | 2.60% | 2.60% | 2.60% | 2.60%2.60% $25k–$100k2.60% from $100k | $393 |
| 24 monthsInterest Compounded & Credited Monthly | 2.70% | 2.70% | 2.70% | 2.70%2.70% $25k–$100k2.70% from $100k | $547 |
| 36 monthsInterest Compounded & Credited Monthly | 2.80% | 2.80% | 2.80% | 2.80%2.80% $25k–$100k2.80% from $100k | $864 |
| 48 monthsInterest Compounded & Credited Monthly | 2.90% | 2.90% | 2.90% | 2.90%2.90% $25k–$100k2.90% from $100k | $1,211 |
| 60 monthsInterest Compounded & Credited Monthly | 3.00% | 3.00% | 3.00% | 3.00%3.00% $25k–$100k3.00% from $100k | $1,593 |
Sources (2)
All captured Oct 3, 2026
Bump Certificates
Up to 2.45%APY · 2 terms
For the 12 and 24 month Bump Up CD, you have a one-time option to increase or 'Bump-up' the APY during the original term to the current APY offered at the time of option exercise. Promotional rates are excluded from the Bump-Up option. Interest compounded and credited monthly.
| Term | APY · $500 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsInterest Compounded & Credited Monthly. One-time option to bump-up APY during original term | 2.25% | 2.25% | 2.25% | 2.25%2.25% $25k–$100k2.25% from $100k | $225 |
| 24 monthsInterest Compounded & Credited Monthly. One-time option to bump-up APY during original term | 2.45% | 2.45% | 2.45% | 2.45%2.45% $25k–$100k2.45% from $100k | $496 |
Sources (1)
- centralwcu.org/resources/rates · captured Oct 3, 2026
Special-purpose accounts
IRA Flex 12 CDx
4.16%APY · 1 term
Variable dividend rate and APY effective 10/01/2026 through 12/31/2026. Rate is market-linked, determined by the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter, effective on the first business day of the next quarter. Minimum opening deposit is $750. Subsequent deposits can be added at a minimum of $2,500 or more per deposit at any time. Early withdrawal penalty applies.
| Term | APY · $500 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsVariable rate based on 3-Month Treasury Bill. Minimum opening deposit $750; subsequent deposits $2,500 or more | 4.16% | 4.16% | 4.16% | 4.16%4.16% $25k–$100k4.16% from $100k | $416 |
IRA Certificates
Up to 3.00%APY · 7 terms
Interest compounded and credited monthly. Substantial penalty imposed for early withdrawal equal to forfeiture of interest equal to one half of the original term of the account's interest, with standard exceptions for IRA distributions. Membership requirements apply.
| Term | APY · $500 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsInterest Compounded & Credited Monthly | 1.25% | 1.25% | 1.25% | 1.25%1.25% $25k–$100k1.25% from $100k | $62 |
| 12 monthsInterest Compounded & Credited Monthly | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$100k2.50% from $100k | $250 |
| 18 monthsInterest Compounded & Credited Monthly | 2.60% | 2.60% | 2.60% | 2.60%2.60% $25k–$100k2.60% from $100k | $393 |
| 24 monthsInterest Compounded & Credited Monthly | 2.70% | 2.70% | 2.70% | 2.70%2.70% $25k–$100k2.70% from $100k | $547 |
| 36 monthsInterest Compounded & Credited Monthly | 2.80% | 2.80% | 2.80% | 2.80%2.80% $25k–$100k2.80% from $100k | $864 |
| 48 monthsInterest Compounded & Credited Monthly | 2.90% | 2.90% | 2.90% | 2.90%2.90% $25k–$100k2.90% from $100k | $1,211 |
| 60 monthsInterest Compounded & Credited Monthly | 3.00% | 3.00% | 3.00% | 3.00%3.00% $25k–$100k3.00% from $100k | $1,593 |
Sources (2)
All captured Oct 3, 2026
Who can join Central Willamette Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives in 25 Oregon counties across western and central Oregon.
Cost to join
- A $5 deposit is required to start a Membership Savings account and establish membership.
Membership information collected October 4, 2026.