Credit union · NCUA insured
Oregonians Credit Union CD Rates
Oregonians Credit Union’s best CD rate is 4.05% APY on a 2-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Oregonians Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Oregonians Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oregonians Credit Union
4.05%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $826
Certificate Accounts
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Oregonians Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.10%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.75%
- 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 Oregonians 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.
Certificate Accounts
Up to 4.05%APY · 6 terms
Penalty for early withdrawal of principal. Account fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm days: 91 – 180 | 3.10% | $77 |
| 6 monthsTerm days: 181 – 365 | 3.10% | $154 |
| 12 monthsTerm days: 366 – 730 | 3.50% | $350 |
| 24 monthsTerm days: 731 – 1095 | 4.05% | $826 |
| 36 monthsTerm days: 1096 – 1460 | 3.75% | $1,168 |
| 48 monthsTerm days: 1461 – 1825 | 3.50% | $1,475 |
Sources (1)
- oregonianscu.com/rates · captured Oct 3, 2026
Bump Certificates
Up to 3.84%APY · 3 terms
Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsTerm days: 731 – 1095 | 3.84% | $783 |
| 36 monthsTerm days: 1096 – 1460 | 3.54% | $1,100 |
| 48 monthsTerm days: 1461 – 1825 | 3.29% | $1,382 |
Sources (1)
- oregonianscu.com/rates · captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 4.15%APY · 6 terms
Account fees may reduce earnings. Penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm days: 91 – 180 | 3.20% | $79 |
| 6 monthsTerm days: 181 – 365 | 3.20% | $159 |
| 12 monthsTerm days: 366 – 730 | 3.60% | $360 |
| 24 monthsTerm days: 731 – 1095 | 4.15% | $847 |
| 36 monthsTerm days: 1096 – 1460 | 3.96% | $1,236 |
| 48 monthsTerm days: 1461 – 1825 | 3.71% | $1,569 |
Sources (1)
- oregonianscu.com/rates · captured Oct 3, 2026
Who can join Oregonians Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school in eligible Oregon counties are eligible to join.
Family and household
- Immediate family members of an Oregonians member in good standing are eligible to join.
Cost to join
- A $10 opening deposit is required to establish membership.
Membership information collected October 4, 2026.