Compare Bank & Credit Union Rates
Best savings rates in McMinnville, 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 McMinnville, OR
- OnPoint Community Credit UnionOnPoint Premium Savings AccountSavings · $0 min · 2.25%–3.75% by balance
Credit union · 1 branch
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: OnPoint Premium Savings account is a sweep account; balances up to the Maximum Program Deposit Amount ($250,000.00) may be swept to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. Requires qualifying for OnPoint Rewards (10-year membership or 6 qualifying transactions per calendar month in an OnPoint checking account), an active OnPoint Loyalty Savings account, and opt-in through OnPoint Online Banking. One account per member/TIN. All interest is compounded and credited monthly.
Offer: Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking.
Qualified rate · 3.69% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for OnPoint Premium Savings Account Balance APY Up to $100,000Your amount 3.75% Over $100,000 2.25% 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 - 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 - 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 - Embold Credit UnionMember Perks Money MarketMember Perks Money Market · $0 min · 0.05%–3.25% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Tiered-rate account. Dividend rate and APY for each tier are based on qualification status: Member Perks rates apply if qualifications are met, otherwise Regular rates apply.
Offer: Regular rate when Member Perks qualifications are not met.
Qualified rate · 0.05% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Member Perks Money Market Balance APY Up to $5,000 0.05% $5,000 – $10,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 0.65% $10,000 – $25,000Your amountRequires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 0.90% $25,000 – $50,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 1.25% $50,000 – $100,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 1.65% $100,000 – $250,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 2.50% $250,000 and upRequires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. 3.25% 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 - Embold Credit UnionMoney MarketMoney Market · $0 min · 0.30%–1.00% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: No monthly service fees. Unlimited, anytime access to savings.
No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.30% $5,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.70% $50,000 – $100,000 0.80% $100,000 and up 1.00% Rate checked
More details - OnPoint Community Credit UnionOnPoint Loyalty Savings AccountSavings · $0 min
Credit union · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Must qualify for OnPoint Rewards (requires 10-year relationship with OnPoint or 6 qualified transactions in the same checking account during the qualification period). Interest is compounded and credited monthly.
Offer: Must qualify for OnPoint Rewards.
Qualified rate · 0.35% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - Embold Credit UnionMember Perks Money MarketMember Perks Money Market · $5,000 min
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Tiered-rate account. Dividend rate and APY for each tier are based on qualification status: Member Perks rates apply if qualifications are met, otherwise Regular rates apply.
Offer: Regular rate when Member Perks qualifications are not met.
Qualified rate · 0.25% interest rate · Effective Oct 3, 2026
Rate checked
More details - OnPoint Community Credit UnionFlexSmart Money Market AccountFlexSmart Money Market Account · $0 min
Credit union · 1 branch
0.15%APY$15 a year on $10,0000.15% interest rate · No monthly fee · Effective Oct 3, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: All Oregon State Credit Union members must open a Basic Savings account and maintain a $5 minimum balance. Following a 3-month grace period, a $3.00 monthly fee applies if the daily balance is less than $250 unless the member has one other account type or qualifies for Enhanced or Premier Member Merits categories.
Offer: Minimum balance to earn dividends is $100.00 maintained each day. Monthly fee of $3.00 applies if balance is under $250 after 3-month grace period (waived with another account type or Enhanced/Premier Member Merits).
0.10% interest rate · $3 monthly fee · Effective Oct 22, 2026
Rate checked
More details - First Federal Savings & Loan AssociationDaily Money MarketDaily Money Market · $1,000 min · 0.10%–0.15% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: There is no minimum balance required to earn the APY. Monthly service fee of $10.00 is avoided by maintaining a $1,000.00 daily balance. Maximum of 6 external transfers per statement cycle; no limits on frequency/amount of internal withdrawals.
Offer: No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee.
0.10% interest rate · $10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Daily Money Market Balance APY Up to $2,499 0.10% $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 0.15% Rate checked
More details - OnPoint Community Credit UnionMember SavingsSavings · $5 min · 0.10%–3.75% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Membership is required and subject to approval. Limit one Member Savings account per person. Interest is compounded and credited monthly. Rates on Regular and IRA Savings are variable and may change after the account is opened.
3.69% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Member Savings Balance APY Up to $1,000 3.75% Over $1,000Your amount 0.10% 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 McMinnville, OR
34 accounts at 9 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.76%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.35%
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Portland, OR-WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
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- Ukrainian Federal Credit UnionCredit union · 2 branches