Credit union · NCUA insured
Oregon State Credit Union CD Rates
Oregon State Credit Union’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Oregon State Credit Union’s CD rates compare
Compared with banks and credit unions near Salem, OR, where Oregon State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oregon State Credit Union
3.85%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $385
12-Month Special Certificate
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
Oregon State Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo2.84%
- QualifiedQualified3.85%
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 Oregon State 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.
12-Month Special Certificate
3.85%APY · 1 term
Minimum deposit of $250 required. Member merits do not apply. For new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. Limited time offer. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply | 3.85% | $385 |
Sources (1)
- oregonstatecu.com/certificates · captured Oct 22, 2026
18-Month Bump Certificate
3.75%APY · 1 term
Minimum deposit of $250 required. Member merits do not apply. For new money only. Certificate owner may increase the interest rate one time during the term to match the current rate offered on the standard 24-month certificate, not to exceed an increase of 0.50%. Limited time offer. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividend rate is 3.68%. One-time rate bump up to 0.50% during term to match standard 24-month certificate rate. New money only. Member merits do not apply. Accurate as of 9/1/2026 | 3.75% | $568 |
Sources (1)
- oregonstatecu.com/certificates · captured Sep 15, 2026
7-Month Special Certificate
3.75%APY · 1 term
Minimum deposit of $250 required. Member merits do not apply. For new money only (funds not on deposit during promotion period, unless deposited in prior 30 days; cannot be transferred from existing account). Limited time offer. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsDividend rate is 3.68%. For new money only. Member merits do not apply. Accurate as of 9/1/2026 | 3.75% | $217 |
Sources (1)
- oregonstatecu.com/certificates · captured Sep 15, 2026
Standard Certificate
Up to 3.45%APY · 6 terms
Annual percentage yields incorporate a 0.25% rate increase for Premier Member Merits category. Enhanced Member Merits qualify for a 0.15% APY increase, and Essential Member Merits qualify for standard rates. Minimum opening balance is $500 ($250 for Scottie and TLT certificates). Compound daily, paid monthly. Early withdrawal penalties apply.
| Term | APY · $500 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6–11 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.39% | 3.45% | — | — | 3.45% | $171 |
| 6–11 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.49% | — | 3.55% | — | —3.55% $25k–$100k | — |
| 6–11 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.59% | — | — | 3.65% | —3.65% from $100k | — |
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.30% | 3.35% | — | — | 3.35% | $335 |
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.39% | — | 3.45% | — | —3.45% $25k–$100k | — |
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.49% | — | — | 3.55% | —3.55% from $100k | — |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.86% | 2.90% | — | — | 2.90% | $588 |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | 3.00% | — | —3.00% $25k–$100k | — |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.05% | — | — | 3.10% | —3.10% from $100k | — |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $876 |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $1,185 |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $1,503 |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
Sources (1)
- oregonstatecu.com/certificates · captured Oct 15, 2026
Online Certificate
Up to 3.25%APY · 2 terms
Only available through the credit union website for members who do not have an existing account (may be offered to members with pre-existing account in branch or via phone). Not eligible for Member Merits. IRA certificates, TLT Members, and Scottie Members are not eligible. Minimum opening balance is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsDividend rate is 3.20%. Same rate on any balance over $500 | 3.25% | $243 |
| 18 monthsDividend rate is 2.96%. Same rate on any balance over $500 | 3.00% | $453 |
Sources (1)
- oregonstatecu.com/certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Standard Certificate
Up to 3.35%APY · 5 terms
Standard certificate rates and schedule apply. IRA certificates must have terms of 12 months or longer (except 8-month add-on promotional certificate). Annual percentage yields incorporate a 0.25% rate increase for Premier Member Merits category. Enhanced Member Merits qualify for a 0.15% APY increase, and Essential Member Merits qualify for standard rates. Minimum opening balance is $500. Early withdrawal penalties do not apply where any portion is paid within 7 days after establishment or where owner attains age 59 1/2 or becomes disabled.
| Term | APY · $500 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.30% | 3.35% | — | — | 3.35% | $335 |
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.39% | — | 3.45% | — | —3.45% $25k–$100k | — |
| 12–23 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.49% | — | — | 3.55% | —3.55% from $100k | — |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.86% | 2.90% | — | — | 2.90% | $588 |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | 3.00% | — | —3.00% $25k–$100k | — |
| 24–35 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.05% | — | — | 3.10% | —3.10% from $100k | — |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $876 |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 36–47 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $1,185 |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 48–59 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.80% | 2.84% | — | — | 2.84% | $1,503 |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.85% | — | 2.89% | — | —2.89% $25k–$100k | — |
| 60 monthsIncludes 0.25% APY increase for Premier Member Merits. Dividend rate is 2.96% | — | — | 3.00% | —3.00% from $100k | — |
Sources (1)
- oregonstatecu.com/certificates · captured Oct 15, 2026
Who can join Oregon State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.