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 16–30 results in Salem, OR metro
- Heritage Grove Federal Credit UnionShare CertificateCD · 9 months · $1,000 min · 3.50%–4.00% by balance
Credit union · 1 branch
3.50%APY$261 over 9 months on $10,000Requirements
Product: Early withdrawal penalty will apply. Dividends are paid upon the share certificate maturity. Fees could reduce earnings.
Offer: CD rate special. Dividends are paid upon maturity. Early withdrawal penalty will apply.
Effective Oct 3, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $20,000Your amount 3.50% $20,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - 3.50%APY$261 over 9 months on $10,000
3.44% interest rate
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 2 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
More details - Oregon State Credit UnionStandard CertificateCD · 6–11 months · $500 min · 3.45%–3.65% by balance
Credit union · 5 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$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 - 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 · 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 2 branches
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - OCCU | Oregon Community Credit UnionRegular Certificate AccountsCD · 24 months · $500 min
Credit union · 2 branches
3.15%APY$640 over 24 months on $10,000Requirements
Product: Minimum balance requirement of $500 to open and earn APY. Interest compounded daily. Allows one rate increase and one additional deposit up to the original amount during the initial term.
Offer: Interest credited quarterly.
3.10% interest rate · Compounded daily · Effective Aug 7, 2026
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Interest compounded and credited monthly. Substantial penalty imposed for early withdrawal equal to forfeiture of interest equal to one half of the original term of the account's interest. Membership requirements apply.
Offer: Interest Compounded & Credited Monthly
2.96% interest rate · Effective Oct 1, 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 Salem, OR metro
322 CDs at 24 banks and credit unions · checked Oct 16–22
- Typical
- 1.98%
- Top 10% from
- 3.51%
- Banks, typical
- 0.20%
- Credit unions, typical
- 2.63%
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Salem, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch