Best 1-year CD rates

Requirements

Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.

Offer: Term is more than 9 months to 1 year / 12 months (also listed as Up to 12 Months on personal CD page).

Requirements

Product: 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.

Offer: Dividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply. Accurate as of 9/1/2026.

Requirements

Product: We offer certificates of deposit with maturities ranging from 91 days to 60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance to obtain the disclosed annual percentage yield.

Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance to obtain disclosed APY.

Requirements

Product: Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.

Offer: 12 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply.

Requirements

Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.

Offer: Early withdrawal penalty: 90 Days.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

Requirements

Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.

Offer: Silver relationship tier

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Platinum tier.

Requirements

Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.

Offer: Silver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: You must deposit a minimum of $500.00 to open a share certificate. Certificates may not be added on to during their term. Withdrawals are limited to the dividends that have been deposited to the certificate. Withdrawals that affect the original amount of the purchase will be subject to a penalty. Automatically renews at the same term and the present rate offered at that time with a 10-day grace period to withdraw funds without penalty.

Requirements

Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.

Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.

Requirements

Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.

Requirements

Product: Add cash at any time ($25.00 minimum deposit or more up to maturity). Fixed rate. Dividends compounded and paid monthly on an average daily balance of $100.00 or more. Penalties apply for early withdrawal. CDs automatically renew at maturity.

Requirements

Product: Fixed rate. Dividends compounded and paid monthly on an average daily balance. Penalties apply for early withdrawal. CDs automatically renew at maturity. Membership eligibility required.

Requirements

Product: Dividends are compounded quarterly, except certificates with terms under one year which are paid at maturity. Substantial penalty for early withdrawal. Automatically renewed at maturity.