Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Portland, OR-WA metro
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 5 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 4 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 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 - OnPoint Community Credit UnionOnPoint Premium Savings AccountSavings · $0 min · 2.25%–3.75% by balance
Credit union · 48 branches
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 - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Must pair with Cash Back Spend or High-Yield Checking under same membership; limit 1 account per member (unique SSN) and per membership number; not available on business memberships; no monthly maintenance fees.
Offer: High-Yield Tier 1 Rate earned on daily ending balances up to $100,000 when Monthly Goal is met (15 or more qualifying debit card transactions that post and settle by 6:00PM PT on the last day of the calendar month).
Qualified rate · 3.68% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 7 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - SELCO Community Credit UnionCultivate High-Yield SavingsSavings · $0 min · 1.50%–5.00% by balance
Credit union · 1 branch
3.10%APY$310 a year on $10,000with conditionsRequirements
Product: Limit one Cultivate or Vault account per member. No monthly fees or minimum balance required. Balances of $1,000 or more can earn up to an extra 0.50% APY via two 0.25% APY bonus opportunities: deposit at least $100 monthly (0.25% APY bonus), and/or use a SELCO checking account with monthly digital banking login, deposit, and non-deposit transaction (0.25% APY bonus).
Qualified rate · 5.00% interest rate · No monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Cultivate High-Yield Savings Balance APY Up to $1,000 5.00% $1,000 – $50,000Your amountBase APY. 3.10% $50,000 and upBase APY. 1.50% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit one account per Social Security Number. No recurring monthly maintenance fees. To qualify for preferred rates each Monthly Qualification Cycle, the linked checking account must have at least 10 debit card purchases post and clear, at least one direct deposit or ACH transaction post and clear, and receive monthly eStatements.
Offer: Qualifying tier: applies to daily balances up to and including $30,000 when linked Kasasa checking account monthly qualifications are met. Dividend rate is 2.96%.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 3 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Bundled with Intelligent Checking. Existing savings accounts cannot be converted to Intelligent Savings. Limited to one per account.
Offer: Qualifying rate. Must have an Intelligent Checking account and meet monthly qualifiers: 12 debit/credit card transactions, direct deposit of $100 or more per month, log into online banking at least once per month, and receive e-Statements.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Nov 1, 2025
Rate checked
More details - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum balance and minimum balance to earn dividends is $500. Limit of 3 withdrawals per month before a fee is imposed, with a minimum of $100 per withdrawal.
Offer: Minimum daily balance and balance to earn dividends is $500. Up to 3 withdrawals per month before a fee is imposed; minimum $100 per withdrawal.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $2,500 0.10% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $250,000 3.04% $250,000 – $1,000,000 3.30% Rate checked
More details - Northwest Adventist Federal Credit UnionMoney MarketMoney Market · $5,000 min
Credit union · 1 branch
2.02%APY$202 a year on $10,0002.00% interest rate
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
Offer: Requires 2 qualifying loans.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Maps Credit UnionPrivate Client Premium Money MarketPrivate Client Premium Money Market · $500 min · 0.25%–3.50% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Private Clients need to meet one of the following criteria: $250,000 deposit/investment relationship with Maps/Maps Investments, $1,000,000 personal net worth, or Owners/Executives of Maps Commercial members.
Offer: Dividends compounded and credited monthly. Minimum balance to earn dividends is $0.
Qualified rate · 0.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Private Client Premium Money Market Balance APY Up to $10,000 0.25% $10,000 – $100,000Your amount 2.00% $100,000 – $250,000 2.50% $250,000 – $500,000 3.00% $500,000 – $1,000,000 3.25% $1,000,000 and up 3.50% 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 Portland, OR-WA metro
184 accounts at 58 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.96%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.13%
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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
- Rivermark Community Credit UnionCredit union · 18 branches
- Ukrainian Federal Credit UnionCredit union · 2 branches