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 46–60 results in Portland, OR-WA metro
- 3.46%APY$346 over 1 year on $10,000
Requirements
Product: Minimum opening deposit is $25.00. Requires maintaining at least the par value of one full share ($5.00). Additional deposits allowed for terms up to 18 months.
Offer: Member Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership.
3.40% interest rate · Effective Oct 3, 2026
Rate checked
More details - Oregon State Credit UnionStandard CertificateCD · 6–11 months · $500 min · 3.45%–3.65% by balance
Credit union · 2 branches
3.45%APYRequirements
Product: Annual percentage yields incorporate a 0.25% rate increase for Premier Member Merits category. Enhanced Member Merits qualify for a 0.15% APY increase, and Essential Member Merits qualify for standard rates. Minimum opening balance is $500 ($250 for Scottie and TLT certificates). Compound daily, paid monthly. Early withdrawal penalties apply.
Offer: Includes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.39%.
3.39% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $500 – $24,999Your amount 3.45% $25,000 – $99,999Dividend rate is 3.49%. 3.55% $100,000 and upDividend rate is 3.59%. 3.65% Rate checked
More details - 3.40%APY
Requirements
Product: Additions allowed up to the original opening balance in minimum amounts of $500. 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.
3.34% interest rate · Compounded daily · Effective Sep 14, 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 - Wauna Credit Union11 Month Certificate Special: $500+ Checking (New Money)CD · 11 months · $500 min
Credit union · 6 branches
3.40%APY$311 over 11 months on $10,000with conditionsRequirements
Product: Requires $500+ checking account and new money deposit.
Offer: Must be new money.
Qualified rate · 3.35% interest rate · Effective Oct 20, 2026
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 - Gesa Credit UnionBump CertificateCD · 12 months · $500 min · 3.30%–3.60% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Bump option can only be exercised once during the term of the Certificate and does not extend the term of the certificate. The new interest rate will not be applied retroactively and will be the rate offered on regular certificates with the same term and minimum balance. Minimum balance to open is $500. Early withdrawal penalties apply.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Bump Certificate Balance APY $500 – $50,000Your amount 3.30% $50,000 – $100,000 3.45% $100,000 and up 3.60% Rate checked
More details - IBEW and United Workers Federal Credit Union12 Month Share CertificateCD · 12 months · $500 min
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,0003.25% interest rate · Effective Aug 1, 2026
Rate checked
More details - Northwest Adventist Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000intro rate - 3.30%APY$358 over 13 months on $10,000intro rate
Requirements
Product: At maturity, the 13-month certificate will automatically renew to a 12-month certificate at the then-current interest rate.
Offer: At maturity, the 13-month certificate will automatically renew to a 12-month certificate at the then-current interest rate.
Promotional rate · 3.25% interest rate
Rate checked
More details - 3.30%APY$358 over 13 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.
3.25% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 3.30%APY$671 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. APY assumes dividends remain in account until maturity. Penalty for early withdrawals. Open with minimum deposit of $500.
3.25% interest rate · Effective Sep 6, 2024
Rate checked
More details - 3.25%APY$243 over 9 months on $10,000
Requirements
Product: Only available through the credit union website for members who do not have an existing account (may be offered to members with pre-existing account in branch or via phone). Not eligible for Member Merits. IRA certificates, TLT Members, and Scottie Members are not eligible. Minimum opening balance is $500.
Offer: Dividend rate is 3.20%. Same rate on any balance over $500.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - First Community Credit UnionCertificate of DepositCD · 13 months · $0 min · 3.00%–3.85% by balance
Credit union · 4 branches
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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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 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