Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Portland, OR-WA metro
- Oregon State Credit Union18-Month Bump CertificateCD · 18 months · $250 min
Credit union · 2 branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Minimum deposit of $250 required. Member merits do not apply. For new money only. Certificate owner may increase the interest rate one time during the term to match the current rate offered on the standard 24-month certificate, not to exceed an increase of 0.50%. Limited time offer. Early withdrawal penalties apply.
Offer: Dividend rate is 3.68%. One-time rate bump up to 0.50% during term to match standard 24-month certificate rate. New money only. Member merits do not apply. Accurate as of 9/1/2026.
Promotional rate · 3.68% interest rate · Effective Sep 15, 2026
Rate checked
More details - 3.75%APY$600 over 19 months on $10,000
Requirements
Product: Rates may change monthly as determined by the Board of Directors. All term share accounts will have an early withdrawal penalty of 2% of the current term share balance.
Offer: Term Share Specials. Limited time offer and can be discontinued at anytime. Dividends compounded and credited monthly.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.68%APY$368 over 1 year on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).
Offer: Early withdrawal penalty: dividends since issuance/renewal or 120 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.
3.61% interest rate · Effective Oct 22, 2026
Rate checked
More details - Unitus Community Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 10 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: $500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.
3.59% interest rate · Effective Sep 1, 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$269 over 9 months on $10,000
Requirements
Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.
3.54% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 3.56%APY$206 over 7 months on $10,000intro rate
Requirements
Product: Available for personal and business accounts. Interest compounded daily and credited monthly. Daily balance method used. Penalty applied for early principal withdrawal.
Offer: CD Special. Limited time offer. Minimum balance of $1,000 to earn disclosed APY.
Promotional rate · 3.50% interest rate · Compounded daily · Effective Sep 25, 2025
Rate checked
More details - 3.56%APY$266 over 9 months on $10,000with conditions
Requirements
Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.
Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.
Qualified rate · Compounded daily · Effective May 1, 2026
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More details - Cascade Federal Credit UnionCertificatesCD · 12 months · $1,000 min · 3.51%–3.61% by balance
Credit union · 1 branch
3.51%APY$351 over 1 year on $10,000Requirements
Product: If you have been a member for 10 or more years, enjoy a rate increase of 0.05% APY on all certificates except for the Member Appreciation Certificates and special certificates. 36-, 48- and 60-month certificate options opened on or after September 1, 2022, have the option to bump up your rate once per term. EARLY WITHDRAWAL PENALTY: Terms of less than 12 months: 90 days dividends on amount withdrawn. Terms of 12 to 35 months: 180 days dividends on amount withdrawn. Terms of 36 months or greater: 365 days of dividends on amount withdrawn.
3.47% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.51% $60,000 and up 3.61% Rate checked
More details - 3.50%APY$86 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.
Offer: 90 Day Fixed Rate. A penalty may be imposed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - ILWU Credit UnionCertificatesCD · 6 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
Offer: Tier 1
3.45% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $25,000Your amount 3.50% $25,000 – $50,000Tier 2 3.60% $50,000 – $100,000Tier 3 3.70% $100,000 and upTier 4 3.80% Rate checked
More details - Rivermark Community Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · 18 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Minimum balance to open is $500. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. Additional funds cannot be added on promotional certificates.
Offer: 6-Month Certificate term.
3.44% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Early withdrawal penalty may apply (lesser of 180 days' dividends or dividends earned since issuance). Automatic renewal.
3.46% interest rate · Effective Sep 8, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 7 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% 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
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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 Portland, OR-WA metro
549 CDs at 54 banks and credit unions · checked Oct 16–22
- Typical
- 2.50%
- Top 10% from
- 3.75%
- Banks, typical
- 1.02%
- Credit unions, typical
- 2.98%
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Portland, OR-WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Rivermark Community Credit UnionCredit union · 18 branches
- Ukrainian Federal Credit UnionCredit union · 2 branches