Credit union · NCUA insured
Oregon State Credit Union Savings Rates
Oregon State Credit Union’s best savings rate is 1.20% APY on $10,000, with its Investor's Money Market. Rates checked October 22, 2026.
How Oregon State Credit Union’s savings 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
1.20%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $120
Investor's Money Market
Top rate
Valley Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Oregon State Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.20%
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 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.
High-Yield Savings
0.90%APY
Limit of one account per member. Statement displays a single blended rate. No monthly product fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to account balances of $0 – $1000. Limit of one account per member. Statement will display a single blended rate. | 5.00% | — | Applies to account balances of $0 – $1000. Limit of one account per member. Statement will display a single blended rate. |
| $1,000 and upApplies to account balances over $1000. Limit of one account per member. Statement will display a single blended rate. | 0.90% | $90 | Applies to account balances over $1000. Limit of one account per member. Statement will display a single blended rate. |
Sources (2)
All captured Oct 22, 2026
Investor's Money Market
1.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $24,999Minimum balance that must be maintained each day to earn dividends is $10,000.00. | 1.20% | $120 | Minimum balance that must be maintained each day to earn dividends is $10,000.00. |
| $25,000 – $49,999Minimum balance that must be maintained each day to earn dividends is $10,000.00. | 1.30% | — | Minimum balance that must be maintained each day to earn dividends is $10,000.00. |
| $50,000 – $99,999Minimum balance that must be maintained each day to earn dividends is $10,000.00. | 1.50% | — | Minimum balance that must be maintained each day to earn dividends is $10,000.00. |
| $100,000 and upMinimum balance that must be maintained each day to earn dividends is $10,000.00. | 1.75% | — | Minimum balance that must be maintained each day to earn dividends is $10,000.00. |
Sources (1)
- oregonstatecu.com/deposit-rates · captured Oct 3, 2026
Money Market
0.80%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance that must be maintained each day to earn dividends is $1,000.00.$1,000 and up | 0.80% | $80 | Minimum balance that must be maintained each day to earn dividends is $1,000.00. |
Sources (1)
- oregonstatecu.com/deposit-rates · captured Oct 3, 2026
First-Time Homebuyer Savings
0.80%APY
Tax-advantaged savings toward a first home. Minimum opening deposit is $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 that must be maintained each day to earn dividends.$100 and up | 0.80% | $80 | Minimum balance of $100 that must be maintained each day to earn dividends. |
Sources (2)
All captured Oct 22, 2026
Basic Savings
0.10%APY
All Oregon State Credit Union members must open a Basic Savings account and maintain a $5 minimum balance. Following a 3-month grace period, a $3.00 monthly fee applies if the daily balance is less than $250 unless the member has one other account type or qualifies for Enhanced or Premier Member Merits categories.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00 maintained each day. Monthly fee of $3.00 applies if balance is under $250 after 3-month grace period (waived with another account type or Enhanced/Premier Member Merits).$100 and up | 0.10% | $10 | Minimum balance to earn dividends is $100.00 maintained each day. Monthly fee of $3.00 applies if balance is under $250 after 3-month grace period (waived with another account type or Enhanced/Premier Member Merits). |
Sources (3)
- oregonstatecu.com/deposit-rates
- oregonstatecu.com/savings-accounts
- oregonstatecu.com/checking-accounts/value-checking
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.80%APY
Tax-advantaged dollars for healthcare expenses. No minimum balance required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn dividends. No minimum opening balance.Any balance | 0.80% | $80 | No minimum balance to earn dividends. No minimum opening balance. |
Sources (2)
All captured Oct 22, 2026
Individual Retirement Account (IRA) savings
0.10%APY
Individual Retirement Account savings. Minimum balance to open is $0.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5 must be maintained each day to earn dividends. Minimum balance to open is $0.00.$5 and up | 0.10% | $10 | Minimum balance of $5 must be maintained each day to earn dividends. Minimum balance to open is $0.00. |
Sources (1)
- oregonstatecu.com/deposit-rates · captured Oct 22, 2026
Scottie Savers
0.10%APY
For kids age 12 and under (Scottie Savers Club). Members under 18 require a parent or guardian as a joint signer. No monthly account fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5.00 maintained each day. Members under 18 require a parent or guardian as a joint signer.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5.00 maintained each day. Members under 18 require a parent or guardian as a joint signer. |
Sources (2)
All captured Oct 22, 2026
Teen Savings
0.10%APY
For ages 13–18. Members under 18 require a parent or guardian as a joint signer. No monthly account fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5.00 maintained each day. Members under 18 require a parent or guardian as a joint signer.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5.00 maintained each day. Members under 18 require a parent or guardian as a joint signer. |
Sources (2)
All captured Oct 22, 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.