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CD Rate Trends

Elmira, Oregon Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 27, 2026

Elmira, Oregon CD rates from banks and credit unions serving Oregon range from 0.02% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Elmira, Oregon CD rates include Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 5.70%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Pathfinder Term Share Certificate at 5.00% APY, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionB4.6 ★Texas Ratio: 20.11%Real return: +1.05%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate - 24 Month at 4.75% APY, Northwest BankNorthwest BankA5.0 ★Texas Ratio: 12.37%Real return: +0.80%APY minus CPIRate verified Oct 27, 2026 offering 12 Month Fixed Rate Certificate of Deposit at 4.50% APY, Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.61%Real return: +0.68%APY minus CPIRate verified Oct 26, 2026 offering 12 Month Certificate at 4.38% APY, and Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit UnionA+5.0 ★Texas Ratio: 3.34%Real return: +0.63%APY minus CPIRate verified Oct 23, 2026 offering 1-Year Certificate at 4.33% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.

Elmira is a smaller community with no bank or credit union branches currently in our database. 725 institutions serving the Oregon area are available to Elmira residents, with CD rates as high as 5.00% APY from Sage Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 27, 2026

Compare Best CD Rates in Elmira, Oregon & the Surrounding Area

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Elmira 3 Month CD Rates

Oregon 3 Month CD Average1.78% APYNational 2.12%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
90 Day Fixed Rate Certificate of Deposit
$100
4.00% ▲ 2.22% above Oregon avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average1.78%▲ 2.22% above avgNationally 2.12%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Short Term Certificates - 3 Month
$500
4.00% ▲ 2.22% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 2.22% above avgNationally 2.12%
Details

Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY

Rate History
1 change since Oct 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Oct 21, 2026: 3.85% APYOct 26, 2026: 4.00% APYOct 21, 2026Oct 28, 2026
  • Oct 26, 20264.00%▲ from 3.85%
  • Oct 21, 20263.85%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40% ▲ 1.62% above Oregon avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.62% above avgNationally 2.12%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
3 Month TCD
$0
3.30% ▲ 1.52% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.52% above avgNationally 2.12%
Details

Balance: $500 - $4,999.99; Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 28, 2026
First Technology Federal Credit Union
3-Month Share Certificate
$0
3.25% ▲ 1.47% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.47% above avgNationally 2.12%
Details

Featured rate banner

Rate History
No change since Oct 26, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25% ▲ 1.47% above Oregon avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.47% above avgNationally 2.12%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25% ▲ 1.47% above Oregon avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.47% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 3 Months
$1,000
3.20% ▲ 1.42% above Oregon avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.42% above avgNationally 2.12%
Details

Term (Days): 91 - 180

Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
3 Month CD
$1,000
3.10% ▲ 1.32% above Oregon avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.32% above avgNationally 2.12%
Details

Term (Days): 91 - 180

Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Certificate Accounts - 3 Months
$1,000
3.10% ▲ 1.32% above Oregon avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.32% above avgNationally 2.12%
Details

Term (Days): 91 - 180

Rate History
1 change since Sep 14, 2026 · 1.28% → 3.10% ▲ 1.82 pts · high 3.10% / low 1.28%
0.00%2.46%4.92%Sep 14, 2026: 1.28% APYOct 14, 2026: 3.10% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.10%▲ from 1.28%
  • Sep 14, 20261.28%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
90-Day Certificate
$0
3.04% ▲ 1.26% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average1.78%▲ 1.26% above avgNationally 2.12%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 28, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
3 Month New Membership Youth CD
$100
3.04% ▲ 1.26% above Oregon avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.26% above avgNationally 2.12%
Details

Ages: 0-17; Maximum deposit for CD is $500; Only one New Membership Youth CD allowed, must be opened within 2 weeks of account opening

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 3-Month
$500
3.00% ▲ 1.22% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.22% above avgNationally 2.12%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$500
3.00% ▲ 1.22% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 1.22% above avgNationally 2.12%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
90-Day Certificate
$0
2.99% ▲ 1.21% above Oregon avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average1.78%▲ 1.21% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 9 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 28, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Fixed Rate Certificates
$0
2.43% ▲ 0.65% above Oregon avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.65% above avgNationally 2.12%
Details

Effective Date October 22, 2026; Interest rates valid for opening accounts online

Rate History
No change since Oct 22, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 22, 2026: 2.43% APYOct 22, 2026Oct 28, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Jumbo Fixed-Rate CD
$0
2.43% ▲ 0.65% above Oregon avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.65% above avgNationally 2.12%
Details

Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online

Rate History
No change since Oct 22, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 22, 2026: 2.43% APYOct 22, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Month Certificate
$0
2.10% ▲ 0.32% above Oregon avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.32% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 28, 2026
Marion And Polk Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Certificate Account 3 Months
$1,000
1.90% ▲ 0.12% above Oregon avg
View
▼
Rate1.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.12% above avgNationally 2.12%
Details

Interest Computation Method: Compounded; Interest Period: Monthly

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 9 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 28, 2026
Marion And Polk Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Certificate Accounts - 3 Months
$1,000
1.90% ▲ 0.12% above Oregon avg
View
▼
Rate1.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.12% above avgNationally 2.12%
Details

Interest Computation: Compounded Monthly; Interest Period: Monthly

Rate History
No change since Oct 13, 2026 · 1.90% APY · checked 3 times
1.40%1.90%2.40%Oct 13, 2026: 1.90% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
1.80% ▲ 0.02% above Oregon avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▲ 0.02% above avgNationally 2.12%
Details

OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.03% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.03% below avgNationally 2.12%
Details

Opening deposit $1,000; Must qualify for OnPoint Rewards; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Certificates of Deposit - OnPoint Rewards
$1,000
1.75% ▼ 0.03% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.03% below avgNationally 2.12%
Details

Qualifications Required; Rates Effective: 10-24-2026; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificate of Deposit - 3 months - OnPoint Rewards
$1,000
1.75% ▼ 0.03% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.03% below avgNationally 2.12%
Details

Rates Effective: 10-24-2026; OnPoint Rewards: 10-year relationship and 6 qualified transactions per monthly cycle

Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Traditional & Roth IRA Certificates of Deposit
$1,000
1.55% ▼ 0.23% below Oregon avg
View
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.23% below avgNationally 2.12%
Details

Subsequent deposits allowed

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 4 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Business Certificates of Deposit
$1,000
1.50% ▼ 0.28% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.28% below avgNationally 2.12%
Details

Opening deposit $1,000; APY = Annual Percentage Yield; interest compounded and credited monthly

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Month Certificates of Deposit
$1,000
1.50% ▼ 0.28% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.28% below avgNationally 2.12%
Details

Rates Effective: 10-24-2026; interest compounded and credited monthly; membership required

Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 22, 2026: 1.50% APYSep 22, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificate of Deposit - 3 months
$1,000
1.50% ▼ 0.28% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.28% below avgNationally 2.12%
Details

Rates Effective: 10-24-2026

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 3 Month
$0
1.40% ▼ 0.38% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.38% below avgNationally 2.12%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 19, 2026: 1.40% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 3 Month
$0
1.30% ▼ 0.48% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.48% below avgNationally 2.12%
Details

Tier: $50,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Oct 19, 2026: 1.30% APYOct 19, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month Certificate - Member Perks
$0
1.25% ▼ 0.53% below Oregon avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.53% below avgNationally 2.12%
Details

Member Perks rate; requires enrollment in Member Perks program (savings and checking with debit card, eStatements, and Easy Saver); Effective as of September 9, 2026

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 3 Month
$0
1.25% ▼ 0.53% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.53% below avgNationally 2.12%
Details

Tier: $10,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate 3 Months
$0
1.25% ▼ 0.53% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.53% below avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate 3 Months
$0
1.25% ▼ 0.53% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.53% below avgNationally 2.12%
Details

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 3 Month
$0
1.20% ▼ 0.58% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.58% below avgNationally 2.12%
Details

Tier: $500 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 19, 2026: 1.20% APYOct 19, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
3 Month IRA Certificate
$500
1.10% ▼ 0.68% below Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.68% below avgNationally 2.12%
Details

Rate History
No change since Oct 22, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 22, 2026: 1.10% APYOct 22, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month Certificate
$0
1.00% ▼ 0.78% below Oregon avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.78% below avgNationally 2.12%
Details

Effective as of September 9, 2026; Rates may change at any time after account opening

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Business Certificates - 3 Month
$0
1.00% ▼ 0.78% below Oregon avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.78% below avgNationally 2.12%
Details

No minimum deposit; Fees could reduce earnings; Penalty may be imposed for early withdrawal; APY accurate as of September 9, 2026

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
3 Month Certificate
$500
1.00% ▼ 0.78% below Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 0.78% below avgNationally 2.12%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate - Member Perks
$0
0.85% ▼ 0.93% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average1.78%▼ 0.93% below avgNationally 2.12%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 0.85% APY · checked 4 times
0.35%0.85%1.35%Oct 9, 2026: 0.85% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
0.60% ▼ 1.18% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average1.78%▼ 1.18% below avgNationally 2.12%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 28, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
3 Month Certificate
$0
0.55% ▼ 1.23% below Oregon avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average1.78%▼ 1.23% below avgNationally 2.12%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 9 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 28, 2026
Spokane Teachers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Jumbo 1- to 3-month certificate
$98,000
0.50% ▼ 1.28% below Oregon avg
View
▼
Rate0.50%
Min Deposit$98,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.28% below avgNationally 2.12%
Details

Dividends compounded/credited monthly; dividend period monthly; additional deposits not allowed; renewable automatically; early withdrawal penalty 90 days' dividends

Rate History
No change since Oct 26, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 26, 2026: 0.50% APYOct 26, 2026Oct 28, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share/IRA Certificate - 3 Month CD
$0
0.50% ▼ 1.28% below Oregon avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.28% below avgNationally 2.12%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
3 Month Kid Club Starter CD
$100
0.35% ▼ 1.43% below Oregon avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.43% below avgNationally 2.12%
Details

Ages: 0-17; Maximum deposit for CD is $500; up to 3 Kids Club Starter CDs allowed

Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10% ▼ 1.68% below Oregon avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.68% below avgNationally 2.12%
Details

Tier: $90,000+; Renewal Term: 3 Months

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 1.72% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.72% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.73% below Oregon avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.73% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05% ▼ 1.73% below Oregon avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.73% below avgNationally 2.12%
Details

Tier: $1,000+; Renewal Term: 3 Months

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 28, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
Peoples Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Months Certificates of Deposit
$500
0.05% ▼ 1.73% below Oregon avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average1.78%▼ 1.73% below avgNationally 2.12%
Details

Interest Compounded/Credited: Monthly/Monthly

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026

Elmira 6 Month CD Rates

Oregon 6 Month CD Average2.84% APYNational 2.79%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
6 Month Fixed Rate Certificate of Deposit
$100
4.25% ▲ 1.41% above Oregon avg
View
▼
Rate4.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.84%▲ 1.41% above avgNationally 2.79%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.16%, APY 4.25%

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$0
4.07% ▲ 1.23% above Oregon avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 1.23% above avgNationally 2.79%
Details

Balance: $100,000+; Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 28, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6-Month Certificate
$0
4.07% ▲ 1.23% above Oregon avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 1.23% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Share Certificate Specials - 6 New Money Cert. Special
$0
4.07% ▲ 1.23% above Oregon avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 1.23% above avgNationally 2.79%
Details

New money only; Balance: $1.00 - $100,000.00; Max Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend; Effective October 1, 2026

Rate History
No change since Oct 26, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 26, 2026: 4.07% APYOct 26, 2026Oct 28, 2026
Oregon Coast Bank OCB
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
6 Month Savers Club CD
$100
4.00% ▲ 1.16% above Oregon avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 1.16% above avgNationally 2.79%
Details

Savers Club CD Terms: interest rate and annual percentage yield may change after account opening

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 28, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 6 Month Youth
$0
4.00% ▲ 1.16% above Oregon avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 1.16% above avgNationally 2.79%
Details

Youth Certificate Special; Members under age 18 only

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Short Term Certificates - 6 Month
$500
3.90% ▲ 1.06% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 1.06% above avgNationally 2.79%
Details

Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY

Rate History
1 change since Oct 21, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 21, 2026: 3.75% APYOct 26, 2026: 3.90% APYOct 21, 2026Oct 28, 2026
  • Oct 26, 20263.90%▲ from 3.75%
  • Oct 21, 20263.75%first recorded
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
6 Month Share Certificate
$500
3.82% ▲ 0.98% above Oregon avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.98% above avgNationally 2.79%
Details

Certificate Rates - Effective Friday, August 1, 2026

Rate History
2 changes since Sep 14, 2026 · 3.82% → 3.82% ▼ 0.00 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.82% APYOct 4, 2026: 3.56% APYOct 23, 2026: 3.82% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20263.82%▲ from 3.56%
  • Oct 4, 20263.56%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75% ▲ 0.91% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Featured rate: up to 3.75% APY; APY effective 10/13/2026; maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 180-Day - Relationship
$500
3.75% ▲ 0.91% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Retirement Certificate Specials - IRA
$0
3.75% ▲ 0.91% above Oregon avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Max. Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Retirement Certificate Specials - Roth IRA
$0
3.75% ▲ 0.91% above Oregon avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Max. Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 0.91% above Oregon avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 0.91% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.91% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate Account
$500
3.70% ▲ 0.86% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.86% above avgNationally 2.79%
Details

Featured rate; minimum opening deposit $500

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 19, 2026: 3.70% APYSep 18, 2026Oct 28, 2026
  • Oct 19, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.80% above Oregon avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.80% above avgNationally 2.79%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 6 Month
$100
3.60% ▲ 0.76% above Oregon avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.76% above avgNationally 2.79%
Details

Fixed Rate; Add-on deposits of $100 or more allowed through term (6 and 12 month certificates)

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA 6 Month Certificate
$0
3.60% ▲ 0.76% above Oregon avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.76% above avgNationally 2.79%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 6 Month
$0
3.60% ▲ 0.76% above Oregon avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.76% above avgNationally 2.79%
Details

Dividend rate; fixed rate

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$0
3.56% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.72% above avgNationally 2.79%
Details

Balance: $5,000 - $99,999.99; Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Loyalty Certificates - 6 Month Platinum
$0
3.56% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.72% above avgNationally 2.79%
Details

Balance: $1.00 - $100,000.00; Loyalty Length: 25 Years; MBR Before: 2000; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 19, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 19, 2026: 3.56% APYOct 19, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificate 6 Month
$0
3.56% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.72% above avgNationally 2.79%
Details

Max Balance: $100,000.00; Auto Renewal: Yes; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificate Specials - 6 Month Cert. Special
$0
3.56% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.72% above avgNationally 2.79%
Details

Balance: $1.00 - $100,000.00; Max Balance: $100,000.00; Auto Renewal: No; Special Expiration: Anytime; Early Withdrawal Penalty: Up to 3 months of dividend; Effective October 1, 2026

Rate History
No change since Oct 26, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 26, 2026: 3.56% APYOct 26, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$0
3.55% ▲ 0.71% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.71% above avgNationally 2.79%
Details

Balance: $500 - $4,999.99; Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 28, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Certificate
$1,000
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Balance: $100 - $9,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate Account - 6 Months
$0
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Rates effective April 17, 2026

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 6-Month Certificate
$0
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Rates effective April 17, 2026; APY=Annual Percentage Yield

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 6-Month
$100,000
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 6-Month
$100,000
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
6 Month Certificate
$0
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
Youth 6 Months
$0
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 6 Month
$500
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate
$100
3.50% ▲ 0.66% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.66% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6-Month Certificate
$1,000
3.45% ▲ 0.61% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.61% above avgNationally 2.79%
Details

Dividends compounded at maturity; credited at maturity

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 28, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Mo Certificate - Regular, IRA, ESA
$500
3.45% ▲ 0.61% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.61% above avgNationally 2.79%
Details

Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply

Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 6 Month
$0
3.40% ▲ 0.56% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.56% above avgNationally 2.79%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Certificate
$500
3.39% ▲ 0.55% above Oregon avg
View
▼
Rate3.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.84%▲ 0.55% above avgNationally 2.79%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.39% APY · checked 2 times
2.89%3.39%3.89%Oct 12, 2026: 3.39% APYOct 12, 2026Oct 28, 2026
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
6 month CD
$1,000
3.30% ▲ 0.46% above Oregon avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Interest can be withdrawn without penalty during the term; CDs auto-renew with a 7 calendar day grace period

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$2,500
3.30% ▲ 0.46% above Oregon avg
View
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 6 Month
$0
3.30% ▲ 0.46% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Tier: $50,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Certificate
$0
3.30% ▲ 0.46% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Easy Saver Certificate
$0
3.30% ▲ 0.46% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
6 Month IRA Certificate
$500
3.30% ▲ 0.46% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 28, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Loyalty Certificates - 6 Month Gold
$0
3.30% ▲ 0.46% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.46% above avgNationally 2.79%
Details

Balance: $1.00 - $100,000.00; Loyalty Length: 15 Years; MBR Before: 2010; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 6-Month
$500
3.25% ▲ 0.41% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.41% above avgNationally 2.79%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 6-Month
$500
3.25% ▲ 0.41% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.41% above avgNationally 2.79%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 6 Month
$0
3.25% ▲ 0.41% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.41% above avgNationally 2.79%
Details

Tier: $10,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 6 Month
$0
3.20% ▲ 0.36% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.36% above avgNationally 2.79%
Details

Tier: $500 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
6 Month Certificate
$500
3.20% ▲ 0.36% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.36% above avgNationally 2.79%
Details

Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 22, 2026: 3.20% APYOct 22, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 6 Months
$1,000
3.20% ▲ 0.36% above Oregon avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.84%▲ 0.36% above avgNationally 2.79%
Details

Term (Days): 181 - 365

Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 28, 2026

Elmira 12 Month CD Rates

Oregon 12 Month CD Average2.98% APYNational 3.00%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 2.02% above Oregon avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 2.02% above avgNationally 3.00%
Details

Balance: $100.00 - $4,999.99; Pathfinder accounts are for members 17 years and younger; Rates effective January 1, 2026

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
12 Month Fixed Rate Certificate of Deposit
$100
4.50% ▲ 1.52% above Oregon avg
View
▼
Rate4.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.98%▲ 1.52% above avgNationally 3.00%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.40%, APY 4.50%

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$1,000
4.38% ▲ 1.40% above Oregon avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.40% above avgNationally 3.00%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 4.38% APY · checked 4 times
3.88%4.38%4.88%Oct 9, 2026: 4.38% APYOct 9, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 1.40% above Oregon avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.40% above avgNationally 3.00%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 4.38% APY · checked 2 times
3.88%4.38%4.88%Oct 19, 2026: 4.38% APYOct 19, 2026Oct 28, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
1-Year Certificate
$0
4.33% ▲ 1.35% above Oregon avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 1.35% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 9 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
1-Year CD / IRA CD
$0
4.17% ▲ 1.19% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.98%▲ 1.19% above avgNationally 3.00%
Details

Relationship rate; Terms and conditions apply. Compare all CD rates and terms at fsbwa.com/rates

Rate History
1 change since Oct 8, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Oct 8, 2026: 3.85% APYOct 14, 2026: 4.17% APYOct 8, 2026Oct 28, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Oct 8, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year CD
$500
4.17% ▲ 1.19% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 1.19% above avgNationally 3.00%
Details

Featured rate: up to 4.17% APY; APY effective 10/13/2026; maximum CD amount $240,000; early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.17% ▲ 0.32 pts · high 4.17% / low 3.85%
3.35%4.01%4.67%Sep 14, 2026: 3.85% APYOct 14, 2026: 4.17% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20264.17%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 1-Year - Relationship
$500
4.17% ▲ 1.19% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 1.19% above avgNationally 3.00%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 14, 2026 · 4.17% APY · checked 3 times
3.67%4.17%4.67%Oct 14, 2026: 4.17% APYOct 14, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Flex 12 CDx (Consumer, IRA, & Business) 12 Months
$0
4.16% ▲ 1.18% above Oregon avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.18% above avgNationally 3.00%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75%
3.25%3.96%4.66%Sep 18, 2026: 3.75% APYOct 9, 2026: 4.16% APYSep 18, 2026Oct 28, 2026
  • Oct 9, 20264.16%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 12 Month
$0
4.05% ▲ 1.07% above Oregon avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 1.07% above avgNationally 3.00%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 12 Month
$100
4.00% ▲ 1.02% above Oregon avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.02% above avgNationally 3.00%
Details

Fixed Rate; Add-on deposits of $100 or more allowed through term (6 and 12 month certificates)

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00% ▲ 1.02% above Oregon avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.02% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00% ▲ 1.02% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 1.02% above avgNationally 3.00%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months Jumbo Certificate
$100,000
3.93% ▲ 0.95% above Oregon avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.95% above avgNationally 3.00%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 Year Long Term Certificate
$100
3.90% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.92% above avgNationally 3.00%
Details

Rates effective 10/21/2026

Rate History
No change since Oct 26, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Certificate Account
$500
3.90% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.92% above avgNationally 3.00%
Details

Featured rate; minimum opening deposit $500

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 19, 2026: 3.90% APYSep 18, 2026Oct 28, 2026
  • Oct 19, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12-Month Certificate Special
$250
3.85% ▲ 0.87% above Oregon avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.87% above avgNationally 3.00%
Details

Special certificate; new money only, except deposits of up to $5,000 may be funded with existing funds when opened in a branch; Members merits do not apply; Effective date Monday, October 19, 2026; APY accurate as of 9/1/2026

Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 28, 2026
Riverview Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12-Month CD Special
$1,000
3.75% ▲ 0.77% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Special earning up to 3.75% APY; minimum to open $1,000; interest paid; free annual statement at year-end; effective date 10/01/2026; CD Special opened 5/6/26 or later rolls over into 6 month renewal CD on maturity; Public Funds exclusions apply; not for IRA accounts

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate Account - 12 Months
$0
3.75% ▲ 0.77% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Rates effective April 17, 2026

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 12-Month Certificate
$0
3.75% ▲ 0.77% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Rates effective April 17, 2026; APY=Annual Percentage Yield

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 12-Month
$100,000
3.75% ▲ 0.77% above Oregon avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 12-Month
$100,000
3.75% ▲ 0.77% above Oregon avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 28, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
12 Month Save To Win Certificate of Deposit
$25
3.75% ▲ 0.77% above Oregon avg
View
▼
Rate3.69%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Prize entries and eligibility limited by Official Account and Prize Entry Rules; participating members may deposit unlimited funds in a Qualifying Certificate Account

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 12 Month
$0
3.75% ▲ 0.77% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.77% above avgNationally 3.00%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months Certificate
$500
3.68% ▲ 0.70% above Oregon avg
View
▼
Rate3.61%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.70% above avgNationally 3.00%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 12, 2026: 3.68% APYOct 12, 2026Oct 28, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Mo Certificate - Regular, IRA, ESA
$500
3.65% ▲ 0.67% above Oregon avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.67% above avgNationally 3.00%
Details

Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 12 Month
$0
3.65% ▲ 0.67% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.67% above avgNationally 3.00%
Details

Tier: $50,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 12 Month
$0
3.60% ▲ 0.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.62% above avgNationally 3.00%
Details

Tier: $10,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 12 Months
$1,000
3.60% ▲ 0.62% above Oregon avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.62% above avgNationally 3.00%
Details

Term (Days): 366 - 730

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12 Month Fixed Rate Certificates
$0
3.56% ▲ 0.58% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.58% above avgNationally 3.00%
Details

Effective Date October 22, 2026; Interest rates valid for opening accounts online

Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 28, 2026
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12 Month Jumbo Fixed-Rate CD
$0
3.56% ▲ 0.58% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.58% above avgNationally 3.00%
Details

Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online

Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 28, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
1-Year Certificate
$0
3.56% ▲ 0.58% above Oregon avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.58% above avgNationally 3.00%
Details

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 12 Month
$0
3.55% ▲ 0.57% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.57% above avgNationally 3.00%
Details

Tier: $500 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 28, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 Month Certificate
$1,000
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Balance: $100 - $9,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 12-Month
$500
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 12-Month
$500
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificate Add On - Small Savers 12 Month
$0
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Dividend 3.45%; APY 3.50%

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 12 Month
$500
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
12 Month CD
$1,000
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Term (Days): 366 - 730

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Certificate Accounts - 12 Months
$1,000
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Term (Days): 366 - 730

Rate History
1 change since Sep 14, 2026 · 3.07% → 3.50% ▲ 0.43 pts · high 3.50% / low 3.07%
2.57%3.29%4.00%Sep 14, 2026: 3.07% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.50%▲ from 3.07%
  • Sep 14, 20263.07%first recorded
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Certificate
$100
3.50% ▲ 0.52% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.52% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month (1 Year) Certificate - Member Perks
$0
3.46% ▲ 0.48% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.48% above avgNationally 3.00%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 3.46% APY · checked 4 times
2.96%3.46%3.96%Oct 9, 2026: 3.46% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 12 Month Certificate - Member Perks
$0
3.46% ▲ 0.48% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.48% above avgNationally 3.00%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 13, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 28, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 1-Year
$500
3.42% ▲ 0.44% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.44% above avgNationally 3.00%
Details

Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account; Current customers open via online banking, non-customers must visit a branch

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.42% ▲ 0.32 pts · high 3.42% / low 3.10%
2.60%3.26%3.92%Sep 14, 2026: 3.10% APYOct 14, 2026: 3.42% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.42%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
1 Year One Year Certificate
$1,000
3.40% ▲ 0.42% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.42% above avgNationally 3.00%
Details

Dividends compounded quarterly; credited quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 28, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Add-On 1 Year Certificate
$1,000
3.40% ▲ 0.42% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.42% above avgNationally 3.00%
Details

Dividends compounded quarterly; credited quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 28, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Share Certificates - 12 Month
$0
3.40% ▲ 0.42% above Oregon avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.42% above avgNationally 3.00%
Details

Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 22, 2026: 3.40% APYOct 22, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12 Month IRA Certificate
$500
3.40% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.42% above avgNationally 3.00%
Details

Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 22, 2026: 3.40% APYOct 22, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12 Month Youth Add-On IRA Certificate
$100
3.40% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.98%▲ 0.42% above avgNationally 3.00%
Details

Youth certificate; an adult must accompany a minor as joint account owner

Rate History
No change since Oct 26, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 26, 2026: 3.40% APYOct 26, 2026Oct 28, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
12 Month Share Certificate
$500
3.30% ▲ 0.32% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.98%▲ 0.32% above avgNationally 3.00%
Details

Certificate Rates - Effective Friday, August 1, 2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 28, 2026

Elmira 18 Month CD Rates

Oregon 18 Month CD Average2.77% APYNational 2.90%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 18 Month
$0
4.10% ▲ 1.33% above Oregon avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 1.33% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 18 Month
$100
4.10% ▲ 1.33% above Oregon avg
View
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 1.33% above avgNationally 2.90%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificate Account
$500
4.10% ▲ 1.33% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 1.33% above avgNationally 2.90%
Details

Featured rate; minimum opening deposit $500

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 19, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Oct 19, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
18 Month Fixed Rate Certificate of Deposit
$100
4.00% ▲ 1.23% above Oregon avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.77%▲ 1.23% above avgNationally 2.90%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18 Month IRA Certificate
$0
4.00% ▲ 1.23% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 1.23% above avgNationally 2.90%
Details

Rate History
No change since Oct 26, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 28, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 Month Select Certificate of Deposit
$1,000
3.85% ▲ 1.08% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 1.08% above avgNationally 2.90%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 28, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85% ▲ 1.08% above Oregon avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 1.08% above avgNationally 2.90%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80% ▲ 1.03% above Oregon avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 1.03% above avgNationally 2.90%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$100,000
3.75% ▲ 0.98% above Oregon avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.98% above avgNationally 2.90%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Certificate
$500
3.55% ▲ 0.78% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.78% above avgNationally 2.90%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 28, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.78% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.78% above avgNationally 2.90%
Details

Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
SEP IRA 18 Month IRA
$0
3.50% ▲ 0.73% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.73% above avgNationally 2.90%
Details

Rates effective 10/14/2025; no minimum balance required to earn APY

Rate History
No change since Oct 21, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 28, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Share Certificates - 18 Month
$0
3.50% ▲ 0.73% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.73% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$500
3.50% ▲ 0.73% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.73% above avgNationally 2.90%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
18 Month IRA Certificate
$500
3.35% ▲ 0.58% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 22, 2026: 3.35% APYOct 22, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
18 Month Certificate
$500
3.25% ▲ 0.48% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Months Certificate
$500
3.15% ▲ 0.38% above Oregon avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.38% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Certificate
$15,000
3.05% ▲ 0.28% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.28% above avgNationally 2.90%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month TCD
$0
3.04% ▲ 0.27% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.27% above avgNationally 2.90%
Details

Balance: $5,000 - $99,999.99; Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 24, 2026: 3.04% APYSep 24, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month TCD
$0
3.03% ▲ 0.26% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.26% above avgNationally 2.90%
Details

Balance: $500 - $4,999.99; Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 28, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Share Certificate
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Balance: $500+; Dividend Rate 2.96%; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate Account - 18 Months
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Rates effective April 17, 2026

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 18-Month Certificate
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Rates effective April 17, 2026; APY=Annual Percentage Yield

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 28, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
18 Month Regular Certificate
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Regular certificate account; Minimum balance of $500 to open and earn the APY; Bump-up option available

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Certificate
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate - 18 Month
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Online 18-Month Certificate
$0
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Balance: $500 - $24,999; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Certificate
$1,000
3.00% ▲ 0.23% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▲ 0.23% above avgNationally 2.90%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
18 Month Share Certificate
$500
2.99% ▲ 0.22% above Oregon avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▲ 0.22% above avgNationally 2.90%
Details

Certificate Rates - Effective Friday, August 1, 2026

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 9 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
2.75% ▼ 0.02% below Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▼ 0.02% below avgNationally 2.90%
Details

Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term CD
$1,000
2.75% ▼ 0.02% below Oregon avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.02% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month
$1,000
2.75% ▼ 0.02% below Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.02% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month Certificate - Member Perks
$0
2.69% ▼ 0.08% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▼ 0.08% below avgNationally 2.90%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 2.69% APY · checked 4 times
2.19%2.69%3.19%Oct 9, 2026: 2.69% APYOct 9, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 18 Month
$0
2.65% ▼ 0.12% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.12% below avgNationally 2.90%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 19, 2026: 2.65% APYOct 19, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
2.61% ▼ 0.16% below Oregon avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.16% below avgNationally 2.90%
Details

OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 2.61% APY · checked 4 times
2.11%2.61%3.11%Sep 18, 2026: 2.61% APYSep 18, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
18 Month Certificates/IRA Certificates
$0
2.60% ▼ 0.17% below Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.17% below avgNationally 2.90%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited Monthly

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business CD - 18 Months
$0
2.60% ▼ 0.17% below Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.17% below avgNationally 2.90%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Oct 26, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 26, 2026: 2.60% APYOct 26, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.56% ▼ 0.21% below Oregon avg
View
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.21% below avgNationally 2.90%
Details

Opening deposit $1,000; Must qualify for OnPoint Rewards; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.56% APY · checked 2 times
2.06%2.56%3.06%Oct 13, 2026: 2.56% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.56% ▼ 0.21% below Oregon avg
View
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.21% below avgNationally 2.90%
Details

Qualifications Required; Rates Effective: 10-24-2026; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.56% APY · checked 3 times
2.06%2.56%3.06%Oct 13, 2026: 2.56% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificate of Deposit - 18 months - OnPoint Rewards
$1,000
2.56% ▼ 0.21% below Oregon avg
View
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.21% below avgNationally 2.90%
Details

Rates Effective: 10-24-2026; OnPoint Rewards: 10-year relationship and 6 qualified transactions per monthly cycle

Rate History
No change since Oct 13, 2026 · 2.56% APY · checked 3 times
2.06%2.56%3.06%Oct 13, 2026: 2.56% APYOct 13, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 18 Month
$0
2.55% ▼ 0.22% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.22% below avgNationally 2.90%
Details

Tier: $50,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 19, 2026: 2.55% APYOct 19, 2026Oct 28, 2026
Peoples Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 Months Certificates of Deposit
$500
2.53% ▼ 0.24% below Oregon avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.24% below avgNationally 2.90%
Details

Interest Compounded/Credited: Monthly/Monthly

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 28, 2026
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Fixed Rate CD
$2,500
2.50% ▼ 0.27% below Oregon avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.27% below avgNationally 2.90%
Details

Balance: Up to $24,999.99; IRA minimum $100

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 28, 2026
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Fixed Rate CD - 18 Months
$2,500
2.50% ▼ 0.27% below Oregon avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.27% below avgNationally 2.90%
Details

Balance: Up to $24,999.99; IRAs minimum $100 to open

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
2.50% ▼ 0.27% below Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▼ 0.27% below avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 28, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
18 Month Certificate
$0
2.50% ▼ 0.27% below Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▼ 0.27% below avgNationally 2.90%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50%
0.50%2.00%3.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 2.50% APYSep 18, 2026Oct 28, 2026
  • Oct 9, 20262.50%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 18 Month
$0
2.50% ▼ 0.27% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.27% below avgNationally 2.90%
Details

Tier: $10,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 19, 2026: 2.50% APYOct 19, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 18 Month
$0
2.45% ▼ 0.32% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.77%▼ 0.32% below avgNationally 2.90%
Details

Tier: $500 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 19, 2026: 2.45% APYOct 19, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month Indexed Share Certificate - 1.5
$1,500
2.43% ▼ 0.34% below Oregon avg
View
▼
Rate2.40%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.77%▼ 0.34% below avgNationally 2.90%
Details

Balance: $1,500.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 1.50%, floor 0.15%, cap 10.00%; Rates effective October 1, 2026

Rate History
No change since Oct 15, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 15, 2026: 2.43% APYOct 15, 2026Oct 28, 2026

Elmira 24 Month CD Rates

Oregon 24 Month CD Average2.66% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 24 Month
$0
4.75% ▲ 2.09% above Oregon avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 2.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 15, 2026: 4.75% APYOct 15, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 24 Months
$500
4.15% ▲ 1.49% above Oregon avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.49% above avgNationally 2.90%
Details

Term (Days): 731 - 1095

Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate 24 Months
$0
4.10% ▲ 1.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.44% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate 24 Months
$0
4.10% ▲ 1.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.44% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
24 Month CD
$500
4.05% ▲ 1.39% above Oregon avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.39% above avgNationally 2.90%
Details

Term (Days): 731 - 1095

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Certificate Accounts - 24 Months
$500
4.05% ▲ 1.39% above Oregon avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.39% above avgNationally 2.90%
Details

Term (Days): 731 - 1095

Rate History
1 change since Sep 14, 2026 · 2.90% → 4.05% ▲ 1.15 pts · high 4.05% / low 2.90%
1.75%3.47%5.20%Sep 14, 2026: 2.90% APYOct 14, 2026: 4.05% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20264.05%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Bump Certificates - 24 Months
$2,500
3.84% ▲ 1.18% above Oregon avg
View
▼
Rate3.77%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.18% above avgNationally 2.90%
Details

Term (Days): 731 - 1095; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.

Rate History
No change since Oct 19, 2026 · 3.84% APY · checked 2 times
3.34%3.84%4.34%Oct 19, 2026: 3.84% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 24 Month
$100
3.80% ▲ 1.14% above Oregon avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 1.14% above avgNationally 2.90%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Jumbo Certificate
$100,000
3.75% ▲ 1.09% above Oregon avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 1.09% above avgNationally 2.90%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
3.61% ▲ 0.95% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.95% above avgNationally 2.90%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61% ▲ 0.95% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.95% above avgNationally 2.90%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61%
3.10%3.87%4.63%Sep 22, 2026: 4.12% APYOct 19, 2026: 3.61% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20263.61%▼ from 4.12%
  • Sep 22, 20264.12%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 24 Month
$500
3.60% ▲ 0.94% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.94% above avgNationally 2.90%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2-Year Certificate
$1,000
3.55% ▲ 0.89% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.89% above avgNationally 2.90%
Details

Dividends compounded quarterly; credited quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
24 Month Fixed Rate Certificate of Deposit
$100
3.50% ▲ 0.84% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.66%▲ 0.84% above avgNationally 2.90%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.44%, APY 3.50%

Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 26, 2026: 3.50% APYOct 26, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Certificate
$500
3.50% ▲ 0.84% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.84% above avgNationally 2.90%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 24-Month Bump Up
$100,000
3.50% ▲ 0.84% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.84% above avgNationally 2.90%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate
$100
3.50% ▲ 0.84% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Certificate Accounts - 13 - 24 months
$0
3.50% ▲ 0.84% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.84% above avgNationally 2.90%
Details

Rates effective as of 4.23.2026; APY is Annual Percentage Yield

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year IRA Certificate
$1,000
3.30% ▲ 0.64% above Oregon avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.64% above avgNationally 2.90%
Details

2 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month TCD
$0
3.30% ▲ 0.64% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.64% above avgNationally 2.90%
Details

Balance: $5,000 - $99,999.99; Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 28, 2026
Spokane Teachers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Standard Certificate - 12- to 24-month
$500
3.30% ▲ 0.64% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.64% above avgNationally 2.90%
Details

Balance: $500.00 to $1,999.99; Early withdrawal penalty: 180 days' dividends; Dividends compounded/credited: Monthly

Rate History
No change since Oct 26, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 26, 2026: 3.30% APYOct 26, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
24 Month IRA Certificate
$500
3.30% ▲ 0.64% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 28, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share/IRA Certificate - 2 Year CD
$0
3.30% ▲ 0.64% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 28, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month TCD
$0
3.29% ▲ 0.63% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.63% above avgNationally 2.90%
Details

Balance: $500 - $4,999.99; Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 24, 2026: 3.29% APYSep 24, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 1/2 Year IRA Certificate
$0
3.25% ▲ 0.59% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 26, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
SEP IRA 2 1/2 Year IRA
$0
3.25% ▲ 0.59% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.59% above avgNationally 2.90%
Details

Rates effective 10/14/2025; no minimum balance required to earn APY

Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.59% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.59% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 24-Month Bump Up
$500
3.25% ▲ 0.59% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.59% above avgNationally 2.90%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
24 Month Certificate
$0
3.20% ▲ 0.54% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.54% above avgNationally 2.90%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
24 Month Certificate
$500
3.20% ▲ 0.54% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 22, 2026: 3.20% APYOct 22, 2026Oct 28, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
24 Month Regular Certificate
$0
3.15% ▲ 0.49% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.49% above avgNationally 2.90%
Details

Regular certificate account; Minimum balance of $500 to open and earn the APY; Bump-up option available

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 Month Certificate
$15,000
3.05% ▲ 0.39% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.39% above avgNationally 2.90%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.34% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.34% above avgNationally 2.90%
Details

Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 28, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Share Certificate
$0
3.00% ▲ 0.34% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.34% above avgNationally 2.90%
Details

Balance: $500+; Dividend Rate 2.96%; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 Month Certificate
$1,000
3.00% ▲ 0.34% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.34% above avgNationally 2.90%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month Indexed Share Certificate - 2
$2,000
2.94% ▲ 0.28% above Oregon avg
View
▼
Rate2.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.28% above avgNationally 2.90%
Details

Balance: $2,000.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 1.00%, floor 0.20%, cap 10.00%; Rates effective October 1, 2026

Rate History
No change since Oct 15, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 15, 2026: 2.94% APYOct 15, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$0
2.90% ▲ 0.24% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate - 24 Month
$0
2.90% ▲ 0.24% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month (2 Year) Certificate - Member Perks
$0
2.79% ▲ 0.13% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.13% above avgNationally 2.90%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 4 times
2.29%2.79%3.29%Oct 9, 2026: 2.79% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 24 Month Certificate - Member Perks
$0
2.79% ▲ 0.13% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.13% above avgNationally 2.90%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 28, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 Year Long Term Certificate
$100
2.75% ▲ 0.09% above Oregon avg
View
▼
Rate2.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Rates effective 10/21/2026

Rate History
No change since Oct 26, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 26, 2026: 2.75% APYOct 26, 2026Oct 28, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 2-Year - Relationship
$500
2.75% ▲ 0.09% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month IRA Term Share Certificate
$1,000
2.75% ▲ 0.09% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2 Year Share Certificate
$0
2.75% ▲ 0.09% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Balance: $50,000.00 and over; Rates as of October 1, 2026

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate Account - 24 Months
$0
2.75% ▲ 0.09% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Rates effective April 17, 2026

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24-Month Certificate - Member Perks
$0
2.75% ▲ 0.09% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.09% above avgNationally 2.90%
Details

Member Perks rate; requires enrollment in Member Perks program (savings and checking with debit card, eStatements, and Easy Saver); Effective as of September 9, 2026

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
24 Month Certificates/IRA Certificates
$0
2.70% ▲ 0.04% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.04% above avgNationally 2.90%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited Monthly

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business CD - 24 Months
$0
2.70% ▲ 0.04% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▲ 0.04% above avgNationally 2.90%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Oct 26, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 26, 2026: 2.70% APYOct 26, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
2.66% At Oregon avg
View
▼
Rate2.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%At the averageNationally 2.90%
Details

OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 2.66% APY · checked 4 times
2.16%2.66%3.16%Sep 18, 2026: 2.66% APYSep 18, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 24 Month
$0
2.65% ▼ 0.01% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.66%▼ 0.01% below avgNationally 2.90%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 19, 2026: 2.65% APYOct 19, 2026Oct 28, 2026

Elmira 36 Month CD Rates

Oregon 36 Month CD Average2.53% APYNational 2.81%▼ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate 36 Months
$0
4.20% ▲ 1.67% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate 36 Months
$0
4.20% ▲ 1.67% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 28, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 36 Month
$0
4.05% ▲ 1.52% above Oregon avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 1.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 36 Months
$500
3.96% ▲ 1.43% above Oregon avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.43% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
No change since Oct 19, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 19, 2026: 3.96% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
36 Month CD
$500
3.75% ▲ 1.22% above Oregon avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.22% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Certificate Accounts - 36 Months
$500
3.75% ▲ 1.22% above Oregon avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.22% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
1 change since Sep 14, 2026 · 2.84% → 3.75% ▲ 0.91 pts · high 3.75% / low 2.84%
1.93%3.30%4.66%Sep 14, 2026: 2.84% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.75%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Jumbo Certificate
$100,000
3.68% ▲ 1.15% above Oregon avg
View
▼
Rate3.61%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 1.15% above avgNationally 2.81%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.80% → 3.68% ▼ 0.12 pts · high 3.80% / low 3.68%
3.18%3.74%4.30%Oct 12, 2026: 3.80% APYOct 23, 2026: 3.68% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.68%▼ from 3.80%
  • Oct 12, 20263.80%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61% ▲ 1.08% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.08% above avgNationally 2.81%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 1.08% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.08% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61%
3.10%3.87%4.63%Sep 22, 2026: 4.12% APYOct 19, 2026: 3.61% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20263.61%▼ from 4.12%
  • Sep 22, 20264.12%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 36 Month
$500
3.60% ▲ 1.07% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.07% above avgNationally 2.81%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Bump Certificates - 36 Months
$2,500
3.54% ▲ 1.01% above Oregon avg
View
▼
Rate3.48%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 1.01% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.

Rate History
No change since Oct 19, 2026 · 3.54% APY · checked 2 times
3.04%3.54%4.04%Oct 19, 2026: 3.54% APYOct 19, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.50% ▲ 0.97% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.97% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$100,000
3.50% ▲ 0.97% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.97% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Certificate Accounts - 25 - 36 months
$0
3.50% ▲ 0.97% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.97% above avgNationally 2.81%
Details

Rates effective as of 4.23.2026; APY is Annual Percentage Yield

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month Indexed Share Certificate - 3
$3,000
3.45% ▲ 0.92% above Oregon avg
View
▼
Rate3.40%
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.92% above avgNationally 2.81%
Details

Balance: $3,000.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 0.50%, floor 0.30%, cap 10.00%; Rates effective October 1, 2026

Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 15, 2026: 3.45% APYOct 15, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Certificate
$500
3.43% ▲ 0.90% above Oregon avg
View
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.90% above avgNationally 2.81%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.55% → 3.43% ▼ 0.12 pts · high 3.55% / low 3.43%
2.93%3.49%4.05%Oct 12, 2026: 3.55% APYOct 23, 2026: 3.43% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.43%▼ from 3.55%
  • Oct 12, 20263.55%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$1,000
3.30% ▲ 0.77% above Oregon avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.77% above avgNationally 2.81%
Details

3 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
36 Month Fixed Rate Certificate of Deposit
$100
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.20%, APY 3.25%

Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36 Month Share Certificate
$0
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Balance: $500+; Dividend Rate 3.20%; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 28, 2026
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$500
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 36 Month
$100
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA 36 Month Certificate
$0
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 36 Month
$0
3.25% ▲ 0.72% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.72% above avgNationally 2.81%
Details

Dividend rate; fixed rate

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
36 Month Certificate
$0
3.20% ▲ 0.67% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.67% above avgNationally 2.81%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 28, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
36 Month Regular Certificate
$0
3.15% ▲ 0.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.62% above avgNationally 2.81%
Details

Regular certificate account; Minimum balance of $500 to open and earn the APY; Bump-up option available

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
36 Month IRA Certificate
$500
3.05% ▲ 0.52% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
36 Month Certificate
$15,000
3.05% ▲ 0.52% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.52% above avgNationally 2.81%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 28, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share/IRA Certificate - 3 Year CD
$0
3.04% ▲ 0.51% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 19, 2026: 3.04% APYOct 19, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.47% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.47% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 28, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Share Certificates - 36 Month
$0
3.00% ▲ 0.47% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
36 Month Certificate
$1,000
3.00% ▲ 0.47% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.47% above avgNationally 2.81%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
36 Month Certificate
$500
2.95% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 22, 2026: 2.95% APYOct 22, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
36 Month (3 Year) Certificate - Member Perks
$0
2.94% ▲ 0.41% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.41% above avgNationally 2.81%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 36 Month Certificate - Member Perks
$0
2.94% ▲ 0.41% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.41% above avgNationally 2.81%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 13, 2026 · 2.94% APY · checked 3 times
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
3 Year Share Certificate
$0
2.85% ▲ 0.32% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.32% above avgNationally 2.81%
Details

Balance: $50,000.00 and over; Rates as of October 1, 2026

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$0
2.85% ▲ 0.32% above Oregon avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.32% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate - 36 Month
$0
2.85% ▲ 0.32% above Oregon avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 14, 2026: 2.85% APYOct 14, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
36 Month Certificates/IRA Certificates
$0
2.80% ▲ 0.27% above Oregon avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.27% above avgNationally 2.81%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited Monthly

Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business CD - 36 Months
$0
2.80% ▲ 0.27% above Oregon avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.27% above avgNationally 2.81%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Oct 26, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 26, 2026: 2.80% APYOct 26, 2026Oct 28, 2026
Spokane Teachers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Standard Certificate - 24- to 36-month
$500
2.79% ▲ 0.26% above Oregon avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.26% above avgNationally 2.81%
Details

Balance: $2,000.00 to $9,999.99; Early withdrawal penalty: 180 days' dividends; Dividends compounded/credited: Monthly

Rate History
No change since Oct 26, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 26, 2026: 2.79% APYOct 26, 2026Oct 28, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate Account - 36 Months
$0
2.75% ▲ 0.22% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.22% above avgNationally 2.81%
Details

Rates effective April 17, 2026

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
36-Month Certificate - Member Perks
$0
2.75% ▲ 0.22% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.22% above avgNationally 2.81%
Details

Member Perks rate; requires enrollment in Member Perks program (savings and checking with debit card, eStatements, and Easy Saver); Effective as of September 9, 2026

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate
$100
2.75% ▲ 0.22% above Oregon avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.17% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.17% above avgNationally 2.81%
Details

OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 4 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
36 Month (3 Year) Certificate
$0
2.69% ▲ 0.16% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.16% above avgNationally 2.81%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 10 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 36 Month Certificate
$0
2.69% ▲ 0.16% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.53%▲ 0.16% above avgNationally 2.81%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 4 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.65% ▲ 0.12% above Oregon avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.12% above avgNationally 2.81%
Details

Opening deposit $1,000; Must qualify for OnPoint Rewards; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.65% ▲ 0.12% above Oregon avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.12% above avgNationally 2.81%
Details

Qualifications Required; Rates Effective: 10-24-2026; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 3 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificate of Deposit - 36 months - OnPoint Rewards
$1,000
2.65% ▲ 0.12% above Oregon avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.53%▲ 0.12% above avgNationally 2.81%
Details

Rates Effective: 10-24-2026; OnPoint Rewards: 10-year relationship and 6 qualified transactions per monthly cycle

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 3 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 28, 2026

Elmira 48 Month CD Rates

Oregon 48 Month CD Average2.58% APYNational 2.80%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate 48 Months
$0
4.20% ▲ 1.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 1.62% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate 48 Months
$0
4.20% ▲ 1.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 1.62% above avgNationally 2.80%
Details

Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 28, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 48 Month
$0
4.05% ▲ 1.47% above Oregon avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 1.47% above avgNationally 2.80%
Details

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.17% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 1.17% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.74% ▲ 1.16% above Oregon avg
View
▼
Rate3.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 1.16% above avgNationally 2.80%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.85% → 3.74% ▼ 0.11 pts · high 3.85% / low 3.74%
3.24%3.80%4.35%Oct 12, 2026: 3.85% APYOct 23, 2026: 3.74% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.74%▼ from 3.85%
  • Oct 12, 20263.85%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
IRA Certificate - 48 Months
$500
3.71% ▲ 1.13% above Oregon avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 1.13% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
No change since Oct 19, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 19, 2026: 3.71% APYOct 19, 2026Oct 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 48 Month
$500
3.60% ▲ 1.02% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 1.02% above avgNationally 2.80%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.80%
Details

Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 48-Month
$100,000
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.80%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$100,000
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
48 Month CD
$500
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Certificate Accounts - 48 Months
$500
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
1 change since Sep 14, 2026 · 2.97% → 3.50% ▲ 0.53 pts · high 3.50% / low 2.97%
2.44%3.24%4.03%Sep 14, 2026: 2.97% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.50%▲ from 2.97%
  • Sep 14, 20262.97%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Certificate
$500
3.49% ▲ 0.91% above Oregon avg
View
▼
Rate3.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.91% above avgNationally 2.80%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.60% → 3.49% ▼ 0.11 pts · high 3.60% / low 3.49%
2.99%3.55%4.10%Oct 12, 2026: 3.60% APYOct 23, 2026: 3.49% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.49%▼ from 3.60%
  • Oct 12, 20263.60%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.45% ▲ 0.87% above Oregon avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.87% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.87% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.87% above avgNationally 2.80%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 19, 2026: 3.45% APYOct 19, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30% ▲ 0.72% above Oregon avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.72% above avgNationally 2.80%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Bump Certificates - 48 Months
$2,500
3.29% ▲ 0.71% above Oregon avg
View
▼
Rate3.24%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.71% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.

Rate History
No change since Oct 19, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 19, 2026: 3.29% APYOct 19, 2026Oct 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
48 Month Fixed Rate Certificate of Deposit
$100
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.20%, APY 3.25%

Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Share Certificate
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Balance: $500+; Dividend Rate 3.20%; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 48-Month
$500
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$500
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
48 Month Certificate
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 48 Month
$100
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA 48 Month Certificate
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 48 Month
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Dividend rate; fixed rate

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 28, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Certificate Accounts - 37 - 48 months
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.80%
Details

Rates effective as of 4.23.2026; APY is Annual Percentage Yield

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
48 Month (4 Year) Certificate - Member Perks
$0
3.05% ▲ 0.47% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.80%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 48 Month Certificate - Member Perks
$0
3.05% ▲ 0.47% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.80%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
48 Month IRA Certificate
$500
3.05% ▲ 0.47% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
48 Month Certificate
$15,000
3.05% ▲ 0.47% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.80%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 28, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Certificate of Deposit - 48-Month - Relationship
$500
3.00% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.80%
Details

Relationship APY: requires an open and actively used consumer or business checking account with the bank; Early withdrawal penalty may apply; Opening balance cannot exceed $240,000 per account

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
4 Year Share Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.80%
Details

Balance: $50,000.00 and over; Rates as of October 1, 2026

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
48 Month Certificate
$1,000
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.80%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
48 Month Certificate
$500
2.95% ▲ 0.37% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 22, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 22, 2026: 2.95% APYOct 22, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
48 Month Certificates/IRA Certificates
$0
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.80%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited Monthly

Rate History
No change since Oct 13, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 13, 2026: 2.90% APYOct 13, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business CD - 48 Months
$0
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.80%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Oct 26, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 26, 2026: 2.90% APYOct 26, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$0
2.80% ▲ 0.22% above Oregon avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.22% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 28, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate - 48 Month
$0
2.80% ▲ 0.22% above Oregon avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.22% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 14, 2026: 2.80% APYOct 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
48 Month (4 Year) Certificate
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.80%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 10 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 48 Month Certificate
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.80%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 4 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
4 Year Share Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99; Rates as of October 1, 2026

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 28, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Share Certificates - 48 Month
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.80%
Details

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.80%
Details

OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.12% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.12% above avgNationally 2.80%
Details

Opening deposit $1,000; Must qualify for OnPoint Rewards; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.70% ▲ 0.12% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.12% above avgNationally 2.80%
Details

Qualifications Required; Rates Effective: 10-24-2026; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Certificate of Deposit - 48 months - OnPoint Rewards
$1,000
2.70% ▲ 0.12% above Oregon avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.12% above avgNationally 2.80%
Details

Rates Effective: 10-24-2026; OnPoint Rewards: 10-year relationship and 6 qualified transactions per monthly cycle

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 4 Year
$0
2.65% ▲ 0.07% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.07% above avgNationally 2.80%
Details

Tier: $100,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 19, 2026: 2.65% APYOct 19, 2026Oct 28, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
Share and IRA Certificate - 4 Year
$500
2.60% ▲ 0.02% above Oregon avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▲ 0.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 28, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Certificate - 4 Year
$0
2.55% ▼ 0.03% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.58%▼ 0.03% below avgNationally 2.80%
Details

Tier: $50,000 Minimum APY; Personal & Business

Rate History
No change since Oct 19, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 19, 2026: 2.55% APYOct 19, 2026Oct 28, 2026

Elmira 60 Month CD Rates

Oregon 60 Month CD Average2.62% APYNational 2.91%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate 60 Months
$0
4.20% ▲ 1.58% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 1.58% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate 60 Months
$0
4.20% ▲ 1.58% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 1.58% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 28, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
Share Certificate - 60 Month
$0
4.10% ▲ 1.48% above Oregon avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.48% above avgNationally 2.91%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
4.00% ▲ 1.38% above Oregon avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.38% above avgNationally 2.91%
Details

Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Jumbo Share Certificates
$100,000
3.93% ▲ 1.31% above Oregon avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.31% above avgNationally 2.91%
Details

Rate up to 3.93% APY; Monthly compounding dividends; High dividends; APY effective October 22, 2026 and subject to change

Rate History
No change since Sep 25, 2026 · 3.93% APY · checked 3 times
3.43%3.93%4.43%Sep 25, 2026: 3.93% APYSep 25, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Jumbo Certificate
$100,000
3.76% ▲ 1.14% above Oregon avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.14% above avgNationally 2.91%
Details

Jumbo; Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.87% → 3.76% ▼ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Oct 12, 2026: 3.87% APYOct 23, 2026: 3.76% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.76%▼ from 3.87%
  • Oct 12, 20263.87%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.13% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.13% above avgNationally 2.91%
Details

Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month IRA Certificates
$500
3.68% ▲ 1.06% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.06% above avgNationally 2.91%
Details

Rate up to 3.68% APY; Tax-deferred growth; Competitive rates; APY effective October 22, 2026 and subject to change

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 - 60 Month Share Certificates
$500
3.68% ▲ 1.06% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 1.06% above avgNationally 2.91%
Details

Rate up to 3.68% APY; Monthly compounding dividends; High dividends; APY effective October 22, 2026 and subject to change

Rate History
No change since Sep 25, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Sep 25, 2026: 3.68% APYSep 25, 2026Oct 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 60 Month
$500
3.60% ▲ 0.98% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.98% above avgNationally 2.91%
Details

$500; Minimum deposit $500 to open and maintain APY

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55% ▲ 0.93% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.93% above avgNationally 2.91%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.93% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.93% above avgNationally 2.91%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 28, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Certificate
$500
3.51% ▲ 0.89% above Oregon avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.89% above avgNationally 2.91%
Details

Balance Method: Daily; Compounded/Credited: Monthly

Rate History
1 change since Oct 12, 2026 · 3.62% → 3.51% ▼ 0.11 pts · high 3.62% / low 3.51%
3.01%3.57%4.12%Oct 12, 2026: 3.62% APYOct 23, 2026: 3.51% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20263.51%▼ from 3.62%
  • Oct 12, 20263.62%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
3.50% ▲ 0.88% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.88% above avgNationally 2.91%
Details

Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 60-Month
$100,000
3.50% ▲ 0.88% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.88% above avgNationally 2.91%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$100,000
3.50% ▲ 0.88% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.88% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$1,000
3.40% ▲ 0.78% above Oregon avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.78% above avgNationally 2.91%
Details

5 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 28, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
60 Month Certificate
$0
3.30% ▲ 0.68% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.68% above avgNationally 2.91%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 28, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Share Certificate
$500
3.29% ▲ 0.67% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.67% above avgNationally 2.91%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 28, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
IRA Share Certificate - 5 years
$500
3.29% ▲ 0.67% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.67% above avgNationally 2.91%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 23, 2026: 3.29% APYOct 23, 2026Oct 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
60 Month Fixed Rate Certificate of Deposit
$100
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.20%, APY 3.25%

Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 26, 2026: 3.25% APYOct 26, 2026Oct 28, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Share Certificate
$0
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Balance: $500+; Dividend Rate 3.20%; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 28, 2026
First Technology Federal Credit Union
IRA Certificates - 60-Month
$500
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$500
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Certificate Account - 60 Month
$100
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.21%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Fixed Rate

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA 60 Month Certificate
$0
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Time Deposit - 60 Month
$0
3.25% ▲ 0.63% above Oregon avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.63% above avgNationally 2.91%
Details

Dividend rate; fixed rate

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
60 Month (5 Year) Certificate - Member Perks
$0
3.15% ▲ 0.53% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.53% above avgNationally 2.91%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 9, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Oct 9, 2026: 3.15% APYOct 9, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 60 Month Certificate - Member Perks
$0
3.15% ▲ 0.53% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.53% above avgNationally 2.91%
Details

Member Perks APY; Rates effective as of October 23, 2026

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month Certificate
$15,000
3.15% ▲ 0.53% above Oregon avg
View
▼
Rate3.10%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.53% above avgNationally 2.91%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 28, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month Certificate
$1,000
3.10% ▲ 0.48% above Oregon avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.48% above avgNationally 2.91%
Details

Compounded and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 9 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
5 Year Share Certificate
$0
3.07% ▲ 0.45% above Oregon avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.45% above avgNationally 2.91%
Details

Balance: $50,000.00 and over; Rates as of October 1, 2026

Rate History
No change since Sep 25, 2026 · 3.07% APY · checked 6 times
2.57%3.07%3.57%Sep 25, 2026: 3.07% APYSep 25, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
60 Month IRA Certificate
$500
3.05% ▲ 0.43% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.43% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
60 Month Certificates/IRA Certificates
$0
3.00% ▲ 0.38% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.38% above avgNationally 2.91%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited Monthly

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business CD - 60 Months
$0
3.00% ▲ 0.38% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.38% above avgNationally 2.91%
Details

Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly; Effective Date: October 1, 2026

Rate History
No change since Oct 26, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 26, 2026: 3.00% APYOct 26, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Standard Certificate
$500
3.00% ▲ 0.38% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.38% above avgNationally 2.91%
Details

Balance: $100,000 or more; Premier Member Merits APY includes 0.25% increase

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Standard Certificate - 60 months
$0
3.00% ▲ 0.38% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.38% above avgNationally 2.91%
Details

Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 28, 2026
Peak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
60 Month Certificate
$500
2.95% ▲ 0.33% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.33% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 22, 2026: 2.95% APYOct 22, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
60 Month (5 Year) Certificate
$0
2.89% ▲ 0.27% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.27% above avgNationally 2.91%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 10 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 28, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Traditional IRA & Roth IRA 60 Month Certificate
$0
2.89% ▲ 0.27% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.27% above avgNationally 2.91%
Details

Rates effective as of October 23, 2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 4 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Standard Certificate
$500
2.89% ▲ 0.27% above Oregon avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.27% above avgNationally 2.91%
Details

Balance: $25,000 - $99,999; Premier Member Merits APY includes 0.25% increase

Rate History
No change since Sep 22, 2026 · 2.89% APY · checked 4 times
2.39%2.89%3.39%Sep 22, 2026: 2.89% APYSep 22, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Standard Certificate - 60 months
$0
2.89% ▲ 0.27% above Oregon avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.27% above avgNationally 2.91%
Details

Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase

Rate History
No change since Oct 19, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 19, 2026: 2.89% APYOct 19, 2026Oct 28, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
5 Year Share Certificate
$0
2.85% ▲ 0.23% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oregon Average2.62%▲ 0.23% above avgNationally 2.91%
Details

Balance: $10,000.00 - $49,999.99; Rates as of October 1, 2026

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Standard Certificate
$500
2.84% ▲ 0.22% above Oregon avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.22% above avgNationally 2.91%
Details

Balance: $500 - $24,999; Premier Member Merits APY includes 0.25% increase

Rate History
No change since Sep 22, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 22, 2026: 2.84% APYSep 22, 2026Oct 28, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Standard Certificate - 60 months
$0
2.84% ▲ 0.22% above Oregon avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.22% above avgNationally 2.91%
Details

Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase

Rate History
No change since Oct 19, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 19, 2026: 2.84% APYOct 19, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards
$1,000
2.81% ▲ 0.19% above Oregon avg
View
▼
Rate2.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.19% above avgNationally 2.91%
Details

Balance: $1,000+; OnPoint Rewards rate; additional products and services required

Rate History
No change since Sep 18, 2026 · 2.81% APY · checked 4 times
2.31%2.81%3.31%Sep 18, 2026: 2.81% APYSep 18, 2026Oct 28, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share/IRA Certificate - 5 Year CD
$0
2.78% ▲ 0.16% above Oregon avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.16% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 19, 2026: 2.78% APYOct 19, 2026Oct 28, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
60-Month Certificate - Member Perks
$0
2.75% ▲ 0.13% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.13% above avgNationally 2.91%
Details

Member Perks rate; requires enrollment in Member Perks program (savings and checking with debit card, eStatements, and Easy Saver); Effective as of September 9, 2026

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Business Certificates of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.13% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.13% above avgNationally 2.91%
Details

Balance: $1,000+; Opening deposit $1,000+; Must qualify for OnPoint Rewards; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 28, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Certificates of Deposit - OnPoint Rewards
$1,000
2.75% ▲ 0.13% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Oregon Average2.62%▲ 0.13% above avgNationally 2.91%
Details

Qualifications Required; Rates Effective: 10-24-2026; interest compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Elmira, Oregon Institutions

Highest verified APYs available today, updated October 27, 2026

B Top 5 Bank Rates
Northwest Bank
12 Month Fixed Rate Certificate of Deposit
A 5.0 ★ TX: 12.37%
Min: $100
4.50%
Pacific West Bank
1-Year CD / IRA CD
B 4.4 ★ TX: 21.85%
Min: $0
4.17%
1st Security Bank of Washington
1-Year CD
A+ 5.0 ★ TX: 4.31%
Min: $500
4.17%
Pioneer Trust Bank
6 Month TCD
A 5.0 ★ TX: 6.26%
Min: $0
4.07%
Oregon Coast Bank OCB
6 Month Savers Club CD
B+ 4.8 ★ TX: 17.24%
Min: $100
4.00%
CU Top 5 Credit Union Rates
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
Ironworkers USA Federal Credit Union
Share Certificate - 24 Month
B 4.6 ★ TX: 20.11%
Min: $0
4.75%
Horizon Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 1.61%
Min: $1,000
4.38%
Northwest Adventist Federal Credit Union
1-Year Certificate
A+ 5.0 ★ TX: 3.34%
Min: $0
4.33%
Potlatch No 1 Financial Credit Union
IRA Certificate 36 Months
A+ 5.0 ★ TX: 3.49%
Min: $0
4.20%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Elmira, OR CD Rate Trends

Compare local Elmira, OR CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Oregon CD Trends
12-Month CD OR Avg
2.977%
▲ 0.076 vs 7 days ago

Oregon 12-month CD rates rose 0.076 points over the past 7 days to 2.977% APY.

6-Month CD OR Avg
2.840%
▲ 0.045 vs 7 days ago

Oregon 6-month CD rates rose 0.045 points over the past 7 days to 2.840% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

OR CD Rate Forecast, Next 12 Months

Where are Oregon CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

OR 12-Month Avg APY
2.977%
6-Month Forecast
2.977%
Range: 2.78%, 3.13%
12-Month Forecast
3.227%
Range: 3.03%, 3.38%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Oregon average 12-month CD APY in our database.

Spread model: The Oregon 12-month CD average currently trades 1.40% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at OR CD Rates Today

Annual interest earnings at today’s Oregon average APYs. State average used where available; national average as fallback.

CD Term OR Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.781% $89.06 $178.12 $445.30 $890.60
6-Month CD 2.840% $142.02 $284.03 $710.08 $1,420.15
12-Month CD 2.977% $148.85 $297.70 $744.25 $1,488.50
18-Month CD 2.769% $138.47 $276.94 $692.35 $1,384.70
24-Month CD 2.659% $132.93 $265.86 $664.65 $1,329.30
36-Month CD 2.528% $126.38 $252.76 $631.90 $1,263.80
48-Month CD 2.577% $128.84 $257.68 $644.20 $1,288.40
60-Month CD 2.623% $131.13 $262.25 $655.63 $1,311.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Elmira, Oregon Savers

$25,000 split equally across 5 terms using today’s Oregon average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit OR Avg APY Annual Earnings
1 3-Month CD $5,000 1.781% $89.06
2 6-Month CD $5,000 2.840% $142.02
3 12-Month CD $5,000 2.977% $148.85
4 24-Month CD $5,000 2.659% $132.93
5 36-Month CD $5,000 2.528% $126.38
Total ($25,000 invested) $25,000 2.557% blended $639.24/yr

Ladder example uses equal $5,000 rungs and Oregon average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
856
CD Rates
Tracked in Elmira, Oregon
19 Banks 48 Credit Unions

About Our Elmira, Oregon CD Rate Database

MonitorBankRates tracks 856 CD rates from 19 banks and 48 credit unions with locations in Elmira, Oregon, plus national online institutions available to Oregon residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Sage Credit Union offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Elmira, Oregon.

How to Find the Best CD Rates in Elmira, Oregon

What to compare when shopping for a CD in Elmira, Oregon

To find the best APYs in Elmira, Oregon, start with credit unions and online-only banks: Elmira, Oregon has 48 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Elmira, Oregon

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Elmira, Oregon: 67 institutions here report CD rates

Consider an Alternative If…

Oregon Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
19.1%
National avg: 17.3%
Median Individual Earnings
$45,919
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$137/yr
At OR 12-mo avg 2.977% APY

19.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR 12-month CD average of 2.977%, saving 10% of the local median salary ($4,591/year) and putting it in a CD would earn an additional $137 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Elmira, Oregon

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Elmira, Oregon typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Elmira, Oregon as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Elmira, Oregon savers easier access to their funds. For example, Northwest Bank is offering its 6 Month Fixed Rate Certificate of Deposit at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Potlatch No 1 Financial Credit Union is offering its IRA Certificate 60 Months at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Elmira, Oregon saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Elmira, Oregon CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Elmira, Oregon depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Elmira, Oregon

What are CD rates in Elmira, Oregon today?

Elmira, Oregon CD rates from banks and credit unions serving Oregon range from 0.02% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at Sage Credit Union (12 Month Pathfinder Term Share Certificate), 4.75% at Ironworkers USA Federal Credit Union (Share Certificate - 24 Month) and 4.50% at Northwest Bank (12 Month Fixed Rate Certificate of Deposit), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Are CD rates in Elmira, Oregon FDIC insured?

Yes, most established banks in Elmira, Oregon are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Elmira, Oregon?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Elmira, Oregon.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Elmira, Oregon may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Elmira, Oregon?

Here are recent top rates found for this area:
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
  • Ironworkers USA Federal Credit Union: 4.75% APY (Share Certificate - 24 Month)
  • Northwest Bank: 4.50% APY (12 Month Fixed Rate Certificate of Deposit)
  • Horizon Credit Union: 4.38% APY (12 Month Certificate)
  • Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
  • Potlatch No 1 Financial Credit Union: 4.20% APY (IRA Certificate 36 Months)
  • Pacific West Bank: 4.17% APY (1-Year CD / IRA CD)
  • 1st Security Bank of Washington: 4.17% APY (1-Year CD)
  • Central Willamette Credit Union: 4.16% APY (Flex 12 CDx (Consumer, IRA, & Business) 12 Months)
  • Oregonians Credit Union: 4.15% APY (IRA Certificate - 24 Months)
Rates reflect recent verified offers available in Elmira, Oregon. Last Updated: October 27, 2026

Elmira, Oregon CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Elmira, Oregon rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Elmira, Oregon CD Rates by Term

Verified October 27, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Elmira, Oregon. Averages shown use the Oregon state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Elmira, Oregon

Elmira, Oregon CD Calculator

At today’s OR top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Elmira, Oregon CD Ladder

OR CD rates currently range from 1.781% (3-month) to 2.528% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Elmira, Oregon CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Oregon’s average 12-month CD is 2.977% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Elmira, Oregon CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Elmira, Oregon directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Elmira, Oregon. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OR.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 27, 2026

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