Grand Ronde, Oregon CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Grand Ronde, Oregon CD rates include Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit UnionA+5.0 ★Texas Ratio: 2.06%Real return: +1.53%APY minus CPI (February 2026) offering 1-Year Certificate at 4.33% APY, Flasher Community Credit UnionFlasher Community Credit UnionA5.0 ★Texas Ratio: 5.93%Real return: +1.35%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.15% APY, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit UnionA+5.0 ★Texas Ratio: 0.54%Real return: +1.20%APY minus CPI (February 2026) offering IRA / ESA 12-Month Certificate at 4.00% APY, Pioneer Trust BankPioneer Trust BankA+5.0 ★Texas Ratio: 2.87%Real return: +1.02%APY minus CPI (February 2026) offering 6 Month TCD at 3.82% APY, and Point West Credit UnionPoint West Credit UnionA+5.0 ★Texas Ratio: 4.51%Real return: +0.95%APY minus CPI (February 2026) offering Save To Win Certificate of Deposit - 12 months at 3.75% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Grand Ronde is a smaller community with no bank or credit union branches currently in our database. 297 institutions serving the Oregon area are available to Grand Ronde residents, with CD rates as high as 4.33% APY from Northwest Adventist Federal Credit Union. Rates are continually updated — 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: June 16, 2026
Compare Best CD Rates in Grand Ronde, Oregon & the Surrounding Area
Grand Ronde 3 Month CD Rates
Compounding: Quarterly
APY with OnPoint Rewards: 1.80%; Interest rate with OnPoint Rewards: 1.79%
APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74%
APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Dividends Paid: At Maturity
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Grand Ronde 6 Month CD Rates
Compounding: Monthly**
Compounding: Monthly**
Compounding: Quarterly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Tier 1: 3.211 % Dividend Rate with Certificate Reward; Tier 1: 3.25 % APY with Certificate Reward; Tier 2: 3.455 % Dividend Rate with Certificate Reward; Tier 2: 3.50 % APY with Certificate Reward
Member Perks APY: 2.10%
Member Perks APY: 2.10%
Member Perks APY: 2.10%
Member Perks APY: 2.10%
APY with OnPoint Rewards: 2.06%; Interest rate with OnPoint Rewards: 2.04%
APY with OnPoint Rewards: 2.01%; Interest rate with OnPoint Rewards: 1.99%
APY with OnPoint Rewards: 2.01%; Interest rate with OnPoint Rewards: 1.99%
Interest Rate $500 - $24,999.99: 1.24%; APY $500- $24,999.99: 1.25%; Interest Rate $25,000 - $99,999.99: 1.24%; APY $25,000 - $99,999.99: 1.25%; Interest Rate >$100,000: 1.24%; APY >$100,000: 1.25%; Interest Compounded & Credited: Monthly
Dividends Paid: At Maturity
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Grand Ronde 12 Month CD Rates
New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-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.
As low as
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
$500.00 Minimum Opening Deposit; With .25% Bonus*
Dividends Paid: At Maturity
$500.00 Minimum Opening Deposit
Add more anytime and keep your money working harder.
Compounding: Quarterly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Member Perks APY: 2.75%
Interest Rate $500 - $24,999.99: 2.47%; APY $500- $24,999.99: 2.50%; Interest Rate $25,000 - $99,999.99: 2.47%; APY $25,000 - $99,999.99: 2.50%; Interest Rate >$100,000: 2.47%; APY >$100,000: 2.50%; Interest Compounded & Credited: Monthly
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Dividends Paid: At Maturity
APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53%
APY with OnPoint Rewards: 2.51%; Interest rate with OnPoint Rewards: 2.48%
APY with OnPoint Rewards: 2.51%; Interest rate with OnPoint Rewards: 2.48%
Grand Ronde 18 Month CD Rates
Tier 1: 3.309 % Dividend Rate with Certificate Reward; Tier 1: 3.35 % APY with Certificate Reward; Tier 2: 3.552 % Dividend Rate with Certificate Reward; Tier 2: 3.60 % APY with Certificate Reward
Compounding: Monthly**
Compounding: Quarterly
There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
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
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58%
APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53%
APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53%
Grand Ronde 24 Month CD Rates
Compounding: Monthly**
APY effective 10/15/2025. Dividends compounded monthly. Penalty for early withdrawal. Fees may reduce earnings.
Compounding: Quarterly
$500.00 Minimum Opening Deposit
There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
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
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
APY with OnPoint Rewards: 2.66%; Interest rate with OnPoint Rewards: 2.63%
APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58%
APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58%
Dividends Paid: Annually
Grand Ronde 36 Month CD Rates
$500.00 Minimum Opening Deposit
There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
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
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67%
APY with OnPoint Rewards: 2.65%; Interest rate with OnPoint Rewards: 2.62%
APY with OnPoint Rewards: 2.65%; Interest rate with OnPoint Rewards: 2.62%
Dividends Paid: At Maturity
Grand Ronde 48 Month CD Rates
$500.00 Minimum Opening Deposit
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
APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72%
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67%
APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67%
Grand Ronde 60 Month CD Rates
$500.00 Minimum Opening Deposit
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
APY with OnPoint Rewards: 2.81%; Interest rate with OnPoint Rewards: 2.77%
APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72%
Member Perks APY: 2.75%
APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
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.
Grand Ronde, OR CD Rate Trends
Compare local Grand Ronde, 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 fell 0.059 points over the past 7 days to 2.204% APY.
Oregon 6-month CD rates rose 0.161 points over the past 7 days to 1.604% APY.
OR CD Rate Forecast — Next 12 Months
Where are Oregon CD rates headed through June 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 | 0.723% | $36.15 | $72.30 | $180.75 | $361.50 |
| 6-Month CD | 1.604% | $80.18 | $160.36 | $400.90 | $801.80 |
| 12-Month CD | 2.204% | $110.19 | $220.38 | $550.95 | $1,101.90 |
| 18-Month CD | 2.345% | $117.24 | $234.47 | $586.18 | $1,172.35 |
| 24-Month CD | 2.467% | $123.35 | $246.70 | $616.75 | $1,233.50 |
| 36-Month CD | 2.436% | $121.79 | $243.58 | $608.95 | $1,217.90 |
| 48-Month CD | 2.423% | $121.16 | $242.32 | $605.80 | $1,211.60 |
| 60-Month CD | 2.050% | $102.50 | $204.99 | $512.48 | $1,024.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Grand Ronde, 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 | 0.723% | $36.15 |
| 2 | 6-Month CD | $5,000 | 1.604% | $80.18 |
| 3 | 12-Month CD | $5,000 | 2.204% | $110.19 |
| 4 | 24-Month CD | $5,000 | 2.467% | $123.35 |
| 5 | 36-Month CD | $5,000 | 2.436% | $121.79 |
| Total ($25,000 invested) | $25,000 | 1.887% blended | $471.66/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 Grand Ronde, Oregon
About Our Grand Ronde, Oregon CD Rate Database
MonitorBankRates tracks 243 CD rates from 10 banks and 23 credit unions with locations in Grand Ronde, 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: Northwest Adventist Federal Credit Union offers a CD at 4.33% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grand Ronde, Oregon.
How to Find the Best CD Rates in Grand Ronde, Oregon
What to compare when shopping for a CD in Grand Ronde, Oregon
To find the best APYs in Grand Ronde, Oregon, start with credit unions and online-only banks — Grand Ronde, Oregon has 23 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 Grand Ronde, 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 Grand Ronde, Oregon — 33 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Grand Ronde, Oregon savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Grand Ronde, Oregon money market rates
Grand Ronde, Oregon Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
22.1% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s OR 12-month CD average of 2.204%, saving 10% of the local median salary ($3,060/year) and putting it in a CD would earn an additional $67 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, Oregon as everywhere in the U.S.
Choosing a CD Term in Grand Ronde, 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 Grand Ronde, Oregon savers easier access to their funds. For example, Northwest Adventist Federal Credit Union is offering its 6-Month Certificate at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Horizon Credit Union is offering its 60 Month at 3.55% 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, Oregon
Most CDs carry a fixed rate that is locked for the entire term, protecting a Grand Ronde, 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 Grand Ronde, Oregon
Are CD rates in Grand Ronde, Oregon FDIC insured?
Do I have to pay state taxes on CD interest in Grand Ronde, 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 Grand Ronde, Oregon?
- Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
- Flasher Community Credit Union: 4.15% APY (12-Month Certificate of Deposit)
- Teamsters Council #37 Federal Credit Union: 4.00% APY (IRA / ESA 12-Month Certificate)
- Pioneer Trust Bank: 3.82% APY (6 Month TCD)
- Point West Credit Union: 3.75% APY (Save To Win Certificate of Deposit - 12 months)
- Central Willamette Credit Union: 3.71% APY (Flex 12 CDx (Consumer, IRA, & Business) 12 Months)
- First Federal S&L of McMinnville: 3.65% APY (3 Month)
- Unitus Community Credit Union: 3.65% APY (12 Mo Certificate - Regular, IRA, ESA)
- Horizon Credit Union: 3.61% APY (12 Month IRA)
- HAPO Community Credit Union: 3.60% APY (6 Month)
CD Calculators for Grand Ronde, Oregon
At today’s OR top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Grand Ronde, Oregon CD LadderOR CD rates currently range from 0.723% (3-month) to 2.436% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grand Ronde, Oregon CD at 4.33% 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 2.204% 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 Grand Ronde, 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 Grand Ronde, 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 Grand Ronde, 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.
