Elmira, Oregon Best CD Rates September 2026
Brian McKay
Brian McKay
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Current Elmira, Oregon CD rates include Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering Pathfinder Term Share Certificate - 12 month at 5.00% APY, IQ Credit UnionIQ Credit UnionA+5.0 ★Texas Ratio: 5.57%Real return: +2.20%APY minus CPI (February 2026) offering 24 Month Second CD at 5.00% APY, Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit UnionA+5.0 ★Texas Ratio: 3.16%Real return: +1.53%APY minus CPI (February 2026) offering 1-Year Certificate at 4.33% APY, Flasher Community Credit UnionFlasher Community Credit UnionReal return: +1.35%APY minus CPI (February 2026) offering 6-Month Certificate of Deposit at 4.15% APY, and Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 0.84%Real return: +1.32%APY minus CPI (February 2026) offering 24 Month Certificate at 4.12% APY. CD rates as of September 12, 2026 according to verified data from MonitorBankRates.
Elmira is a smaller community with no bank or credit union branches currently in our database. 628 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: September 12, 2026
Compare Best CD Rates in Elmira, Oregon & the Surrounding Area
Elmira 3 Month CD Rates
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Member Perks
Member Perks APY: 1.25%
Member Perks APY: 0.85%
Relationship APY 0.06%
Relationship APY 0.06%
Interest Compounded/Credited: Monthly/Monthly
Elmira 6 Month CD Rates
New money is funds that are not currently held by Capital Credit Union in any share or deposit account. APY accurate as of Aug. 1, 2026, and subject to change. Fees may reduce earnings. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 6 months after the date it is opened. After 6 months, CD balance will automatically roll into a regular 6-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.
APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.
Loyalty Length: 25 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
APY accurate as of September 1, 2026. Early withdrawal of interest can reduce your earnings. Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date.
Loyalty Length: 15 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
Tier 1: 3.357 % Dividend Rate with Certificate Reward; Tier 1: 3.40 % APY with Certificate Reward
Loyalty Length: 5 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend
APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Total balance plus interest earned may be withdrawn to close the CD without penalty seven days or later after the account was opened and funded. Partial withdrawal of principal is not permitted. Opening account balance cannot exceed $240,000 per account. Current customers may open this account by logging in to online banking. Non-customers must visit their local branch to open this account. At maturity, the 15-month promotional CD will renew into the bank's 1-year CD at the prevailing rate.
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly; Certificate Accounts & IRA/ESA Certificates
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Member Perks
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Elmira 12 Month CD Rates
Rates Effective: January 1, 2026. Only the funds that comprise each tier will earn the rate for that tier. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
APY(Annual Percentage Yield) is effective 8/3/2026. Maximum CD amount is $240,000. Fees may reduce earnings on your account. Early withdrawal penalty may apply. Relationship is defined as opening and using a consumer or business checking account with 1st Security Bank.
New money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. New money is defined as funds that have not been on deposit with Oregon State Credit Union at any time during the certificate promotion period, unless deposited in the 30 days prior to certificate opening. New money must originate from another financial institution or source and cannot be transferred from an existing Oregon State Credit Union account. Fees could reduce the earnings on the account. For maintenance and activity fees. A penalty may be imposed for early withdrawals. Limited time offer. Other terms and conditions may apply.
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Don't wait, earn 3.75% APY today.
Market-Linked Rates: Our competitive rates are based on the 3-Month Treasury Bill rate, updated quarterly to help you keep pace with market changes. Flexibility: Easily add to your savings with incremental deposits of $2500 or more at any time.
APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures >>
Interest Rate $500 - $24,999.99: 3.65%; APY $500- $24,999.99: 3.71%; Interest Rate $25,000 - $99,999.99: 3.65%; APY $25,000 - $99,999.99: 3.71%; Interest Rate >$100,000: 3.65%; APY >$100,000: 3.71%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 3.65%; APY $500- $24,999.99: 3.71%; Interest Rate $25,000 - $99,999.99: 3.65%; APY $25,000 - $99,999.99: 3.71%; Interest Rate >$100,000: 3.65%; APY >$100,000: 3.71%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 3.65%; APY $500- $24,999.99: 3.71%; Interest Rate $25,000 - $99,999.99: 3.65%; APY $25,000 - $99,999.99: 3.71%; Interest Rate >$100,000: 3.65%; APY >$100,000: 3.71%; Interest Compounded & Credited: Monthly
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Member Perks APY: 3.46%
Member Perks APY: 3.46%
APY is subject to change daily. Fees may reduce earnings. Early withdrawal penalty may apply. Total balance plus interest earned may be withdrawn to close the CD without penalty seven days or later after the account was opened and funded. Partial withdrawal of principal is not permitted. Opening account balance cannot exceed $240,000 per account. Current customers may open this account by logging in to online banking. Non-customers must visit their local branch to open this account. At maturity, the 15-month promotional CD will renew into the bank's 1-year CD at the prevailing rate.
Elmira 18 Month CD Rates
Requires a qualifying checking account.
The certificate owner may increase the interest rate one time during the term to match the current rate offered by Oregon State Credit Union on the standard 24-month certificate, not to exceed an increase of 0.50%. To initiate the rate bump, contact Oregon State Credit Union by calling 541-714-4000 or by visiting a branch. The bump can only be exercised once during the term of the certificate and does not increase the term of the certificate. The new interest rate will be applied the business day after the credit union receives the notice. The new rate will not be applied retroactively. New money only. New money is defined as funds that have not been on deposit with Oregon State Credit Union at any time during the certificate promotion period, unless deposited in the 30 days prior to certificate opening. New money must originate from another financial institution or source and cannot be transferred from an existing Oregon State Credit Union account. Fees could reduce the earnings on the account, for maintenance and activity fees. A penalty may be imposed for early withdrawals. Limited time offer. Other terms and conditions may apply.
Add-on Certificates
Tier 1: 3.357 % Dividend Rate with Certificate Reward; Tier 1: 3.40 % APY with Certificate Reward
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
APY for balances of $500 - $24,999
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Interest Rate $500 - $24,999.99: 2.57%; APY $500- $24,999.99: 2.60%; Interest Rate $25,000 - $99,999.99: 2.57%; APY $25,000 - $99,999.99: 2.60%; Interest Rate >$100,000: 2.57%; APY >$100,000: 2.60%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.57%; APY $500- $24,999.99: 2.60%; Interest Rate $25,000 - $99,999.99: 2.57%; APY $25,000 - $99,999.99: 2.60%; Interest Rate >$100,000: 2.57%; APY >$100,000: 2.60%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.57%; APY $500- $24,999.99: 2.60%; Interest Rate $25,000 - $99,999.99: 2.57%; APY $25,000 - $99,999.99: 2.60%; Interest Rate >$100,000: 2.57%; APY >$100,000: 2.60%; Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Interest Compounded/Credited: Monthly/Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly; Certificate Accounts & IRA/ESA Certificates
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Member Perks APY: 2.69%
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Elmira 24 Month CD Rates
With .50% Bonus**
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Member Perks
Interest Rate $500 - $24,999.99: 2.67%; APY $500- $24,999.99: 2.70%; Interest Rate $25,000 - $99,999.99: 2.67%; APY $25,000 - $99,999.99: 2.70%; Interest Rate >$100,000: 2.67%; APY >$100,000: 2.70%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.67%; APY $500- $24,999.99: 2.70%; Interest Rate $25,000 - $99,999.99: 2.67%; APY $25,000 - $99,999.99: 2.70%; Interest Rate >$100,000: 2.67%; APY >$100,000: 2.70%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.67%; APY $500- $24,999.99: 2.70%; Interest Rate $25,000 - $99,999.99: 2.67%; APY $25,000 - $99,999.99: 2.70%; Interest Rate >$100,000: 2.67%; APY >$100,000: 2.70%; Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Interest Compounded/Credited: Monthly/Monthly
Member Perks APY: 2.79%
Member Perks APY: 2.79%
Elmira 36 Month CD Rates
With .50% Bonus**
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
1x Bump Up
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Interest Rate $500 - $24,999.99: 2.76%; APY $500- $24,999.99: 2.80%; Interest Rate $25,000 - $99,999.99: 2.76%; APY $25,000 - $99,999.99: 2.80%; Interest Rate >$100,000: 2.76%; APY >$100,000: 2.80%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.76%; APY $500- $24,999.99: 2.80%; Interest Rate $25,000 - $99,999.99: 2.76%; APY $25,000 - $99,999.99: 2.80%; Interest Rate >$100,000: 2.76%; APY >$100,000: 2.80%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.76%; APY $500- $24,999.99: 2.80%; Interest Rate $25,000 - $99,999.99: 2.76%; APY $25,000 - $99,999.99: 2.80%; Interest Rate >$100,000: 2.76%; APY >$100,000: 2.80%; Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Member Perks
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Member Perks APY: 2.94%
Member Perks APY: 2.94%
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly; Certificate Accounts & IRA/ESA Certificates
Elmira 48 Month CD Rates
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Interest Rate $500 - $24,999.99: 2.86%; APY $500- $24,999.99: 2.90%; Interest Rate $25,000 - $99,999.99: 2.86%; APY $25,000 - $99,999.99: 2.90%; Interest Rate >$100,000: 2.86%; APY >$100,000: 2.90%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.86%; APY $500- $24,999.99: 2.90%; Interest Rate $25,000 - $99,999.99: 2.86%; APY $25,000 - $99,999.99: 2.90%; Interest Rate >$100,000: 2.86%; APY >$100,000: 2.90%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.86%; APY $500- $24,999.99: 2.90%; Interest Rate $25,000 - $99,999.99: 2.86%; APY $25,000 - $99,999.99: 2.90%; Interest Rate >$100,000: 2.86%; APY >$100,000: 2.90%; Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Member Perks APY: 3.05%
Member Perks APY: 3.05%
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly; Certificate Accounts & IRA/ESA Certificates
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Elmira 60 Month CD Rates
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Monthly compounding dividends
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Tax-deferred growth Competitive rates
Monthly compounding dividends
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Interest Rate $500 - $24,999.99: 2.96%; APY $500- $24,999.99: 3.00%; Interest Rate $25,000 - $99,999.99: 2.96%; APY $25,000 - $99,999.99: 3.00%; Interest Rate >$100,000: 2.96%; APY >$100,000: 3.00%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.96%; APY $500- $24,999.99: 3.00%; Interest Rate $25,000 - $99,999.99: 2.96%; APY $25,000 - $99,999.99: 3.00%; Interest Rate >$100,000: 2.96%; APY >$100,000: 3.00%; Interest Compounded & Credited: Monthly
Interest Rate $500 - $24,999.99: 2.96%; APY $500- $24,999.99: 3.00%; Interest Rate $25,000 - $99,999.99: 2.96%; APY $25,000 - $99,999.99: 3.00%; Interest Rate >$100,000: 2.96%; APY >$100,000: 3.00%; Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
Interest Compounded & Credited: Monthly
The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Essential Member Merits category qualify for the standard Certificate dividend rates. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member's relationship with the credit union. See the Member Merits reward program page for details. The Member Merits reward program does not apply to business or organization accounts but does apply to trust accounts. The Member Merits rate increases are subject to change.
Member Perks APY: 3.15%
Member Perks APY: 3.15%
The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Essential Member Merits category qualify for the standard Certificate dividend rates. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member's relationship with the credit union. See the Member Merits reward program page for details. The Member Merits reward program does not apply to business or organization accounts but does apply to trust accounts. The Member Merits rate increases are subject to change.
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
The annual percentage yields shown above incorporate a 0.25% rate increase above the standard certificate APYs for Premier Member Membership. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Essential Member Merits category qualify for the standard Certificate dividend rates. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member's relationship with the credit union. See the Member Merits reward program page for details. The Member Merits reward program does not apply to business or organization accounts but does apply to trust accounts. The Member Merits rate increases are subject to change.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Member Perks
Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.; Interest rate with OnPoint Rewards; APY with OnPoint Rewards
Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here.
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Oregon 12-month CD rates rose 0.646 points over the past 7 days to 2.883% APY.
Oregon 6-month CD rates rose 1.027 points over the past 7 days to 2.702% APY.
OR CD Rate Forecast, Next 12 Months
Where are Oregon CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.020% | $101.00 | $202.00 | $505.00 | $1,010.00 |
| 6-Month CD | 2.702% | $135.12 | $270.24 | $675.60 | $1,351.20 |
| 12-Month CD | 2.883% | $144.13 | $288.25 | $720.63 | $1,441.25 |
| 18-Month CD | 2.746% | $137.28 | $274.56 | $686.40 | $1,372.80 |
| 24-Month CD | 2.783% | $139.16 | $278.32 | $695.80 | $1,391.60 |
| 36-Month CD | 2.707% | $135.37 | $270.74 | $676.85 | $1,353.70 |
| 48-Month CD | 2.713% | $135.65 | $271.29 | $678.23 | $1,356.45 |
| 60-Month CD | 2.818% | $140.89 | $281.79 | $704.48 | $1,408.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 12, 2026. | |||||
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.
| Rung | Term | Deposit | OR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.020% | $101.00 |
| 2 | 6-Month CD | $5,000 | 2.702% | $135.12 |
| 3 | 12-Month CD | $5,000 | 2.883% | $144.13 |
| 4 | 24-Month CD | $5,000 | 2.783% | $139.16 |
| 5 | 36-Month CD | $5,000 | 2.707% | $135.37 |
| Total ($25,000 invested) | $25,000 | 2.619% blended | $654.78/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.
Tracked in Elmira, Oregon
About Our Elmira, Oregon CD Rate Database
MonitorBankRates tracks 499 CD rates from 10 banks and 41 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 (1–5), 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 41 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: 51 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Elmira, Oregon savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Elmira, Oregon money market rates
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)
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 2.883%, saving 10% of the local median salary ($4,591/year) and putting it in a CD would earn an additional $132 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 (90–180 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 |
How Certificates of Deposit Work in Elmira, Oregon
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.
Choosing a CD Term in Elmira, Oregon
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, Flasher Community Credit Union is offering its 6-Month Certificate of Deposit at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Sage Credit Union is offering its 60 Month IRA Term Share Certificate at 4.00% 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 for Elmira, Oregon Savers
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 in Elmira, Oregon
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 in Elmira, Oregon
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
Are CD rates in Elmira, Oregon FDIC insured?
Do I have to pay state taxes on CD interest in Elmira, Oregon?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Elmira, Oregon?
- Sage Credit Union: 5.00% APY (Pathfinder Term Share Certificate - 12 month)
- IQ Credit Union: 5.00% APY (24 Month Second CD)
- Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
- Flasher Community Credit Union: 4.15% APY (6-Month Certificate of Deposit)
- Horizon Credit Union: 4.12% APY (24 Month Certificate)
- Fibre Federal Credit Union: 3.93% APY (6 - 60 Month Jumbo Share Certificates)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- 1st Security Bank of Washington: 3.85% APY (1-Year CD)
- Oregon State Credit Union: 3.85% APY (12-Month Special Certificate)
- Potlatch No 1 Financial Credit Union: 3.85% APY (60 Month Certificate)
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.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Elmira, Oregon
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 LadderOR CD rates currently range from 2.020% (3-month) to 2.707% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Elmira, Oregon CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOregon’s average 12-month CD is 2.883% 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.
Elmira, Oregon Rates & Resources
