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 Oregon
- 4.05%APY$826 over 24 months on $10,000
Requirements
Product: Penalty for early withdrawal of principal. Account fees may reduce earnings.
Offer: Term days: 731 – 1095.
3.97% interest rate · Effective Sep 30, 2026
Rate checked
More details - First Federal Savings & Loan AssociationShort Term CertificatesCD · 3 months · $500 min
Bank · 6 branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Fixed rate CD. Length of deposit 1 to 9 Months. Additional deposits of $500 or more allowed at any time. Early withdrawal penalty is 30 days interest (waived upon death or legal incompetence of account holder).
Offer: 3-Month CD = 90 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500).
3.87% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 6 months · $500 min
Credit union · 24 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 - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - Mid Oregon Credit UnionSpecial Certificate OffersCD · 7 months · $10,000 min
Credit union · 9 branches
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Limited time offer. Subject to change without notice. Offer available on new deposits to Mid Oregon only. Early withdrawal penalty applies.
Offer: Available on new deposits to Mid Oregon only. Limited-time offer.
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Certificate account rates are fixed for the length of the term and determined by opening dollar amount. Minimum opening balance is $1,000 for members 19 and older ($100 for members 18 and younger). Deposits federally insured to $250,000 by NCUA.
Offer: Limited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU; $100 for Youth Certificates). Maximum deposit is $250,000 per member. Certificate is non-renewable.
3.93% interest rate · Effective Sep 1, 2026
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More details - Rogue Credit UnionTreasure Valley Certificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 24 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
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More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Interest is compounded daily and credited quarterly. Fees could reduce earnings. Penalty may be imposed for early withdrawal. Rates are for Consumer and Business accounts, not for IRA accounts. Public Funds exclusions apply.
Offer: Earn up to 4.00% APY for 19 months. Requires a minimum deposit of $1,000 to open account and earn APY.
Promotional rate · Compounded daily · Effective Oct 1, 2026
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More details - 3.98%APY$500 over 15 months on $10,000
Requirements
Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
Offer: Valid for opening accounts online.
3.90% interest rate · Effective Oct 4, 2026
Rate checked
More details - First Federal Savings & Loan AssociationLong Term CertificatesCD · 12 months · $100 min
Bank · 6 branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).
Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).
3.77% interest rate · Effective Oct 21, 2026
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More details - Rogue Credit UnionTreasure Valley Bump Rate CertificateCD · 30 months · $500 min
Credit union · 24 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 - SELCO Community Credit UnionStandard CertificatesCD · 84 months · $500 min
Credit union · 15 branches
3.90%APY$3,071 over 84 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
Offer: Certificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more.
Qualified rate · 3.84% interest rate · Effective Oct 3, 2026
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More details - Oregon State Credit Union12-Month Special CertificateCD · 12 months · $250 min
Credit union · 16 branches
3.85%APY$385 over 1 year on $10,000intro rateRequirements
Product: Minimum deposit of $250 required. Member merits do not apply. For new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. Limited time offer. Early withdrawal penalties apply.
Offer: Dividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply.
Promotional rate · 3.78% interest rate · Effective Oct 22, 2026
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More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.
Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.
Effective Oct 1, 2026
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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 Oregon
705 CDs at 73 banks and credit unions · checked Oct 16–22
- Typical
- 2.69%
- Top 10% from
- 3.75%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.00%
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Oregon
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch
- Sage Credit UnionCredit union · 5 branches
- Ironworkers USA Credit UnionCredit union · 1 branch