Credit union · NCUA insured
OCCU | Oregon Community Credit Union CD Rates
OCCU | Oregon Community Credit Union’s best CD rate is 4.05% APY on a 17-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How OCCU | Oregon Community Credit Union’s CD rates compare
Compared with banks and credit unions near Eugene, OR, where OCCU | Oregon Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OCCU | Oregon Community Credit Union
4.05%APY
- Term
- 17 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $579
Consumer Certificate Specials
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Central Willamette Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $416
OCCU | Oregon Community Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo1.80%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.05%
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 OCCU | Oregon Community 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.
Consumer Certificate Specials
Up to 4.05%APY · 2 terms
Minimum balance requirement of $500 to open certificate and obtain APY. Interest compounded daily and credited quarterly. Upon maturity, Certificate Special accounts default to the current 12-month rate and term. Allows one rate increase and one additional deposit up to original amount during the initial term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsInterest compounded daily and credited quarterly. Defaults to current 12-month rate and term upon maturity | 3.50% | $203 |
| 17 monthsInterest compounded daily and credited quarterly. Defaults to current 12-month rate and term upon maturity | 4.05% | $579 |
Sources (2)
All captured Oct 15, 2026
Jumbo Certificate Accounts
Up to 3.25%APY · 7 terms
Minimum balance requirement of $100,000 to open and earn APY. Interest compounded daily. Allows one rate increase and one additional deposit up to original principal balance per term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited at maturity | 0.85% | — |
| 12 monthsInterest credited quarterly | 1.90% | — |
| 18 monthsInterest credited quarterly | 3.10% | — |
| 24 monthsInterest credited quarterly | 3.25% | — |
| 36 monthsInterest credited quarterly | 3.25% | — |
| 48 monthsInterest credited quarterly | 3.25% | — |
| 60 monthsInterest credited quarterly | 3.25% | — |
Sources (2)
All captured Oct 15, 2026
Regular Certificate Accounts
Up to 3.15%APY · 7 terms
Minimum balance requirement of $500 to open and earn APY. Interest compounded daily. Allows one rate increase and one additional deposit up to the original amount during the initial term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited at maturity | 0.75% | $37 |
| 12 monthsInterest credited quarterly | 1.80% | $180 |
| 18 monthsInterest credited quarterly | 3.00% | $453 |
| 24 monthsInterest credited quarterly | 3.15% | $640 |
| 36 monthsInterest credited quarterly | 3.15% | $975 |
| 48 monthsInterest credited quarterly | 3.15% | $1,321 |
| 60 monthsInterest credited quarterly | 3.15% | $1,677 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Roth & Traditional IRA Certificate Specials
Up to 4.05%APY · 2 terms
Minimum balance requirement of $500 to open and earn APY. Interest compounded daily and credited quarterly. Upon maturity, Certificate Special accounts default to current 12-month rate and term. Allows one rate increase and one additional deposit up to original amount during initial term (annual IRA contribution limits apply).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsInterest compounded daily and credited quarterly. Defaults to current 12-month rate and term upon maturity | 3.50% | $203 |
| 17 monthsInterest compounded daily and credited quarterly. Defaults to current 12-month rate and term upon maturity | 4.05% | $579 |
Sources (1)
- myoccu.org/media/8081/download · captured Oct 15, 2026
Jumbo Roth & Traditional IRA Certificate Accounts
Up to 3.35%APY · 7 terms
Minimum balance requirement of $100,000 to open and earn APY. Interest compounded daily. Annual IRA contribution limits apply for additional deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited at maturity | 0.95% | — |
| 12 monthsInterest credited quarterly | 2.00% | — |
| 18 monthsInterest credited quarterly | 3.20% | — |
| 24 monthsInterest credited quarterly | 3.35% | — |
| 36 monthsInterest credited quarterly | 3.35% | — |
| 48 monthsInterest credited quarterly | 3.35% | — |
| 60 monthsInterest credited quarterly | 3.35% | — |
Sources (1)
- myoccu.org/media/8081/download · captured Oct 15, 2026
Roth & Traditional IRA Certificate Accounts
Up to 3.25%APY · 7 terms
Minimum balance requirement of $500 to open and earn APY. Interest compounded daily. Annual IRA contribution limits apply for additional deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited at maturity | 0.85% | $42 |
| 12 monthsInterest credited quarterly | 1.90% | $190 |
| 18 monthsInterest credited quarterly | 3.10% | $469 |
| 24 monthsInterest credited quarterly | 3.25% | $661 |
| 36 monthsInterest credited quarterly | 3.25% | $1,007 |
| 48 monthsInterest credited quarterly | 3.25% | $1,365 |
| 60 monthsInterest credited quarterly | 3.25% | $1,734 |
Who can join OCCU | Oregon Community Credit Union
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