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 Eugene, OR 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 · 4 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 - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 2 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 · 6 branches
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: 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 $10,000
Requirements
Product: Minimum balances start at $500. Up to 6 withdrawals per month (in-person and by check; withdrawing more than 6 times per month may incur a fee).
Offer: Earn up to 3.00% APY on entire money market account balance. Rates may change without notice.
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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 8 branches
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 - Emerald Empire Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.80% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Tiered-rate account; dividends are compounded and credited quarterly based on average daily balance once minimum daily balance reaches $5,000. Rate applies to the entire balance once a balance range is met. Preauthorized, automatic, telephonic, or electronic transfers are limited to 6 per month. Under Financial Partners, earn an additional 0.10% APY for having 2-3 qualified services and an additional 0.20% APY for 4 or more qualified services.
Offer: No dividend paid until minimum daily balance reaches $5,000.00.
Qualified rate · 0.00% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $4,999 0.00% $5,000 – $24,999Your amountTier 1 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. 1.50% $25,000 and upTier 2 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. 1.80% Rate checked
More details - SELCO Community Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–1.50% by balance
Credit union · 6 branches
1.50%APY$150 a year on $10,000Requirements
Product: No penalty if your balance dips below $1,000 (some restrictions apply). No withdrawal penalty.
0.05% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.05% $1,000 and upYour amount 1.50% 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 Eugene, OR metro
83 accounts at 22 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.80%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Eugene, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Gateway Credit UnionCredit union · 1 branch