Compare Bank & Credit Union Rates
Best CD rates in Klamath Falls, OR
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Klamath Falls, OR
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Limited time offer, expires 12.31.26. Minimum opening balance and balance to earn advertised APY is $1,000.00. 50% new money required: minimum of 50% of deposited funds must consist of new money deposited within 30 days preceding opening from an external source. Additional deposits allowed within first 7 days of account opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply. Must be eligible for membership and maintain at least $5.00 in Membership Savings account.
Offer: Limited time offer expires 12.31.26. Minimum 50% new money required deposited within 30 days preceding opening from external source. Additional deposits allowed within first 7 days of opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply.
Promotional rate · 3.98% interest rate · Effective Oct 15, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 6 months · $500 min
Credit union · 2 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley Small Savers Add-On Certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Bump Rate CertificateCD · 30 months · $500 min
Credit union · 2 branches
3.90%APY$1,004 over 30 months on $10,000Requirements
Product: Treasure Valley Bump Rate Certificate. Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.83% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.60%APY$924 over 30 months on $10,000
Requirements
Product: Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - Rogue Credit UnionCertificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 2 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Special add-on certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.45% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.45%APY$1,071 over 36 months on $10,000
Requirements
Product: Variable rate certificate; rates fluctuate with Federal Reserve Interest Rate on Reserve Balances (IORB) and may change on the 1st of each month. Funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Must be eligible for membership and maintain at least $5.00 in Membership Savings Account. Early withdrawal penalty may apply. Rate capped at 10.00% maximum.
Offer: Indexed Share Certificate – 3: 36 month term. Dividend rate is determined by subtracting 0.50% from Federal Reserve IORB. Minimum floor rate 0.30%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $300.00 each. Withdrawals must be at least $3,000.00.
3.40% interest rate · Balance cap $2,000,000 · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - First Community Credit UnionCertificate of DepositCD · 13 months · $0 min · 3.00%–3.85% by balance
Credit union · 1 branch
3.25%APY$353 over 13 months on $10,000Requirements
Product: Terms range from 3 to 60 months. Minimum opening deposit is $1,000 for account owners age 21 and older, or $100 for account owners under age 21. Interest is compounded and credited monthly. Penalty for early withdrawal applies (90 days of interest for terms under 1 year, 180 days of interest for terms of 1 year or greater). Automatically renews at maturity. All accounts are tiered rate accounts and the APY for that balance range will apply to the full balance of the account.
Offer: 13 Month Promo Certificate. Automatically renews under the terms of a 1 Year Certificate.
2.96% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $10,000 3.00% $10,000 – $25,000Your amount 3.25% $25,000 – $50,00013 Month Promo Certificate with $25,000 in new money. New money must be deposited from a source outside First Community and cannot be acquired by taking an early withdrawal penalty on an existing certificate. 3.60% $50,000 and up13 Month Promo Certificate with $25,000 in new money. New money must be deposited from a source outside First Community Credit Union and cannot be acquired by taking an early withdrawal penalty on an existing certificate. Automatically renews under the terms of a 12 Month (1 Year) Certificate. 3.85% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Klamath Falls, OR
177 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.85%
- Top 10% from
- 3.66%
- Banks, typical
- 0.15%
- Credit unions, typical
- 3.48%
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Klamath Falls, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sage Credit UnionCredit union · 3 branches
- Rogue Credit UnionCredit union · 2 branches