Credit union · NCUA insured
OCCU | Oregon Community Credit Union Savings Rates
OCCU | Oregon Community Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How OCCU | Oregon Community Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
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
OCCU | Oregon Community Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0004.13%
- $10,000 balance$10,0001.37%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.37%
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 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.
Ignite Savings
1.37%APY on $10,000
Tiered rate account where interest rate specified for a tier applies only to the portion of the account balance within that tier. First-year earnings are based on a 12-month average. Only one account per primary membership. May be eligible for an additional interest rate bump of 0.25% on all tiers when paired with an OCCU checking account meeting qualifications.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 5.13% |
| $500 – $2,500 | 2.96% |
| $2,500 – $5,000 | 1.00% |
| $5,000 – $25,000 | 0.50% |
| Over $25,000 | 0.15% |
On $10,000 the tiers blend to about 1.37% APY, earning $137 a year.
Money Market Account
1.00%APY
No limit on the number of money market accounts a member can open. In-person withdrawals as often as you want.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000Money Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. | 0.50% | — | Money Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. |
| $5,000 – $250,000Money Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. | 1.00% | $100 | Money Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. |
| $250,000 and upMoney Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. | 1.10% | — | Money Market account APY & rate may change. Fees could reduce earnings. Minimum balances start at $100. Earn on entire savings balance. |
Sources (1)
- myoccu.org/personal/savings · captured Oct 22, 2026
Primary Savings
0.05%APY
Establishes Credit Union membership. Balance of $5.01 or more required to earn interest. Rate applies to the entire balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $5Minimum daily balance to earn interest is $5.01. Minimum opening balance requirement is $5.Over $5 | 0.05% | $5 | Minimum daily balance to earn interest is $5.01. Minimum opening balance requirement is $5. |
Secondary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Premier IRA Savings
1.00%APY
Traditional IRA, Roth IRA, or Coverdell Education Savings Account. Tiered rate account where interest rate and APY apply to the entire balance once a balance range is met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier rate applies to entire balance once met. | 1.00% | — | Tier rate applies to entire balance once met. |
| $10,000 – $25,000Tier rate applies to entire balance once met. | 1.00% | $100 | Tier rate applies to entire balance once met. |
| $25,000 – $50,000Tier rate applies to entire balance once met. | 1.10% | — | Tier rate applies to entire balance once met. |
| $50,000 – $100,000Tier rate applies to entire balance once met. | 1.10% | — | Tier rate applies to entire balance once met. |
| $100,000 and upTier rate applies to entire balance once met. | 1.20% | — | Tier rate applies to entire balance once met. |
Who can join OCCU | Oregon Community Credit Union
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