Credit union · NCUA insured
Pacific Cascade CD Rates
Pacific Cascade’s best CD rate is 2.75% APY on a 1-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 22, 2026.
How Pacific Cascade’s CD rates compare
Compared with banks and credit unions near Eugene, OR, where Pacific Cascade has the most branches. $10,000, best rate first.
This credit union’s best
Pacific Cascade
2.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $275
Certificate Accounts
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
Pacific Cascade CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified2.75%
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 Pacific Cascade 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 2.75%APY · 3 terms
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited quarterly. Additional deposits are not allowed after opening. Early withdrawal penalty applies (366 days or less: 180 days dividends; more than 366 days: 270 days dividends). Automatically renewable with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 year term. S Type 21 | 2.75% | $275 |
| 24 months2 years term. S Type 22 | 2.50% | $506 |
| 36 months3 years term. S Type 23 | 2.25% | $690 |
Sources (1)
- wesaveyou.com/wp-content/uploa…e-Rates-01.01.2026-1.pdf · captured Oct 8, 2026
Special-purpose accounts
IRA & ROTH Certificates
2.50%APY · 1 term
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited quarterly. One additional deposit per tax year is allowed to an existing IRA certificate. Early withdrawal penalty applies (more than 366 days: 270 days dividends), with exceptions for IRA distributions under certain conditions. Automatically renewable with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months3 years term. S Types 53 54 55. Minimum daily balance to earn APY is $5,000 | 2.50% | $769 |
Sources (1)
- wesaveyou.com/wp-content/uploa…e-Rates-01.01.2026-1.pdf · captured Oct 8, 2026
Who can join Pacific Cascade
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Benton, Coos, Douglas, Lane, Linn, and Lincoln Counties in Oregon.
Family and household
- Membership is open to individuals related to an eligible person.
Cost to join
- There is no membership application fee, but members must open and maintain a refundable $5 share in a savings account.
Membership information collected October 4, 2026.