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 Eugene, OR
- 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 - 3.30%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 - 3.25%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 · 1 branch
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 · 6 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 - EWEB Employees Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.10%–3.15% by balance
Credit union · 2 branches
3.10%APY$310 over 1 year on $10,000intro rateRequirements
Product: Compounded and paid monthly. Minimum daily balance required to earn dividends. Bump Up CD rate may be subject to change after the first anniversary of the CD, per member's request, for 3, 4, or 5-year terms.
Offer: Minimum daily balance to earn dividends is $1,000.00. Compounded and paid monthly.
Promotional rate · 3.06% interest rate · Effective May 18, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.10% $15,000 and up 3.15% 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 - 2.95%APY$754 over 30 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 · 2.90% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Fixed dividend rate and APY for the term of the account. Dividends compounded and credited quarterly. Additional deposits are not allowed after opening. Early withdrawal penalty applies (366 days or less: 180 days dividends; more than 366 days: 270 days dividends). Automatically renewable with a 10-day grace period.
Offer: 1 year term. S Type 21.
2.75% interest rate · Effective Jan 2, 2026
Rate checked
More details - OnPoint Community Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · 3 branches
2.75%APY$1,453 over 60 months on $10,000Requirements
Product: Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits permitted for 3, 6, 12, 18, or 24 month terms ($100 minimum). Minors under 18 have $100 minimum balance requirement.
Offer: With OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date).
2.72% interest rate · Effective Oct 15, 2026
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More details - 2.53%APY$382 over 18 months on $10,000
Requirements
Product: Interest compounded monthly and credited monthly. Penalty applies for early withdrawal.
Offer: Interest compounded monthly and credited monthly. Penalty applies for early withdrawal.
2.50% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.50%APY
Requirements
Product: Interest is fixed for the 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.
2.47% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 2.45%APY$496 over 24 months on $10,000
Requirements
Product: For the 12 and 24 month Bump Up CD, you have a one-time option to increase or 'Bump-up' the APY during the original term to the current APY offered at the time of option exercise. Promotional rates are excluded from the Bump-Up option. Interest compounded and credited monthly.
Offer: Interest Compounded & Credited Monthly. One-time option to bump-up APY during original term.
2.42% 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 Eugene, OR
277 CDs at 19 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 3.50%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.10%
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Eugene, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Gateway Credit UnionCredit union · 1 branch