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 61–75 results in Oregon
- 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 - 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 - Rogue Credit UnionCertificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 24 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Special 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.
3.45% interest rate · Effective Oct 22, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 11 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$530 over 18 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Penalty for early withdrawal may apply.
3.45% interest rate · Effective Apr 10, 2026
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 - 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 · 16 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 - 3.45%APY$1,071 over 36 months on $10,000
Requirements
Product: Variable rate certificate; rates fluctuate with Federal Reserve Interest Rate on Reserve Balances (IORB) and may change on the 1st of each month. Funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Must be eligible for membership and maintain at least $5.00 in Membership Savings Account. Early withdrawal penalty may apply. Rate capped at 10.00% maximum.
Offer: Indexed Share Certificate – 3: 36 month term. Dividend rate is determined by subtracting 0.50% from Federal Reserve IORB. Minimum floor rate 0.30%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $300.00 each. Withdrawals must be at least $3,000.00.
3.40% interest rate · Balance cap $2,000,000 · Effective Oct 1, 2026
Rate checked
More details - 3.45%APY$1,453 over 48 months on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.40% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.45%APY
Requirements
Product: A term share certificate is for all members who wish to invest a minimum of $1,000 for a fixed amount of time. Quarterly dividends may be reinvested, transferred, or withdrawn. Automatically renews at maturity with 10 days to renew or change without penalty.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.40% interest rate · Effective Sep 28, 2026
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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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