Credit union · NCUA insured
Central Willamette Credit Union Savings Rates
Central Willamette Credit Union’s best savings rate is 0.85% APY on $10,000, with its Choice Money Market. Rates checked October 22, 2026.
How Central Willamette Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $85
Choice Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Central Willamette Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0001.15%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.04%
- QualifiedQualified0.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
0.80%APY
Reverse tier money market account. Once a balance range is met, the highest Interest Rate and Annual Percentage Yield for that range will apply to the entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 1.15% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $1,000 – $5,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 1.10% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $5,000 – $10,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.80% | $80 | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $10,000 – $50,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.12% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $50,000 – $100,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.10% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $100,000 – $250,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.07% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| Over $250,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.05% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
Sources (2)
All captured Oct 15, 2026
Choice Money Market
0.85%APY
No minimum balance requirement. Once a balance range is met, the highest Interest Rate and Annual Percentage Yield for that range will apply to the entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.10% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $10,000 – $25,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.85% | $85 | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $25,000 – $50,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 0.95% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $50,000 – $100,000Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 1.00% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
| $100,000 and upMinimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. | 1.04% | — | Minimum daily balance to earn interest is $0.01. Interest compounded & credited monthly. |
Sources (2)
All captured Oct 15, 2026
First-Time Homebuyer Savings Account
0.10%APY
For individuals who haven't owned a home in the last three years.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded & credited monthly.Any balance | 0.10% | $10 | Interest compounded & credited monthly. |
Sources (3)
- centralwcu.org/credit-union-pe…banking/savings-accounts
- centralwcu.org/credit-union-pe…t-time-homebuyer-savings
- centralwcu.org/resources/rates
All captured Sep 15, 2026
Membership Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
| $10,000 – $25,000Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | $5 | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
| $25,000 and upMinimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
Sources (3)
- centralwcu.org/credit-union-pe…banking/savings-accounts
- centralwcu.org/credit-union-pe…ounts/membership-savings
- centralwcu.org/resources/rates
All captured Sep 15, 2026
Rainy Day Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
| $10,000 – $25,000Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | $5 | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
| $25,000 and upMinimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
IRA Deposit
0.15%APY
Offers options for Traditional IRAs and Roth IRAs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.10% | — | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
| $10,000 and upMinimum daily balance to earn interest is $100. Interest compounded & credited quarterly. | 0.15% | $15 | Minimum daily balance to earn interest is $100. Interest compounded & credited quarterly. |
Sources (3)
- centralwcu.org/credit-union-pe…banking/savings-accounts
- centralwcu.org/credit-union-pe…nts/traditional-roth-ira
- centralwcu.org/resources/rates
All captured Sep 15, 2026
Youth Membership/Kid Kash
0.05%APY
For members under 12.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance to earn interest is $5. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $5. Interest compounded & credited quarterly. |
| $10,000 – $25,000Minimum daily balance to earn interest is $5. Interest compounded & credited quarterly. | 0.05% | $5 | Minimum daily balance to earn interest is $5. Interest compounded & credited quarterly. |
| $25,000 and upMinimum daily balance to earn interest is $5. Interest compounded & credited quarterly. | 0.05% | — | Minimum daily balance to earn interest is $5. Interest compounded & credited quarterly. |
Sources (2)
All captured Sep 15, 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.