Compare Bank & Credit Union Rates
Best savings rates in Lincoln City, OR
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Lincoln City, OR
- 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Oregon State Credit UnionInvestor's Money MarketInvestor's Money Market · $10,000 min · 1.20%–1.75% by balance
Credit union · 1 branch
1.20%APY$120 a year on $10,000Requirements
Offer: Minimum balance that must be maintained each day to earn dividends is $10,000.00.
1.19% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Investor's Money Market Balance APY $10,000 – $24,999Your amount 1.20% $25,000 – $49,999 1.30% $50,000 – $99,999 1.50% $100,000 and up 1.75% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Single APY on entire balance. The daily balance method is used to calculate interest, applying a daily periodic rate to the principal in the account each day. Interest rate and APY may change after account opening. Fees could reduce earnings.
Offer: Single APY applies to any balance.
1.00% interest rate · Effective Sep 30, 2026
Rate checked
More details - Oregon State Credit UnionHigh-Yield SavingsSavings · $5 min · 0.90%–5.00% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Limit of one account per member. Statement displays a single blended rate. No monthly product fee.
Offer: Applies to account balances of $0 – $1000. Limit of one account per member. Statement will display a single blended rate.
4.88% interest rate · No monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $1,000 5.00% $1,000 and upYour amount 0.90% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.80%APY$80 a year on $10,000
Requirements
Offer: Minimum balance that must be maintained each day to earn dividends is $1,000.00.
0.80% interest rate · Effective Oct 3, 2026
Rate checked
More details - Fibre FCUMoney Market SavingsMoney Market Savings · $1,500 min · 0.25%–1.25% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Once a particular range is met, the dividend rate and APY for that balance range apply to the full balance of your account.
Offer: Compounded and credited monthly. Daily balance method. Minimum monthly balance $.01.
0.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,500 0.25% $1,500 – $5,000 0.40% $5,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $75,000 0.85% $75,000 – $100,000 0.90% $100,000 – $250,000 1.15% $250,000 and up 1.25% Rate checked
More details - Fibre FCUMoney Market CheckingMoney Market Checking · $1,500 min · 0.25%–1.25% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Once a particular range is met, the dividend rate and APY for that balance range apply to the full balance of your account.
Offer: Compounded and credited monthly. Daily balance method. Minimum monthly balance $.01.
0.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $1,500 0.25% $1,500 – $5,000 0.40% $5,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $75,000 0.85% $75,000 – $100,000 0.90% $100,000 – $250,000 1.15% $250,000 and up 1.25% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Minimum $5 balance required to maintain credit union share/membership. Minimum balance to earn APY is $50. Compounded and credited monthly. Daily balance method.
Offer: Minimum balance of $50 to earn APY; minimum monthly balance is $5. Daily balance method, compounded and credited monthly.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 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 savings accounts pay in Lincoln City, OR
34 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.13%
- Top 10% from
- 1.77%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.50%
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Oregon
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