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CD Rate Trends

Happy Valley, 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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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 12, 2026

Happy Valley, Oregon CD rates range from 0.02% to 5.09% APY, verified by MonitorBankRates as of October 12, 2026. Current Happy Valley, Oregon CD rates include IQ Credit UnionIQ Credit Union13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, Rivermark Community Credit UnionRivermark Community Credit Union15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253A5.0 ★Texas Ratio: 9.96%Real return: +0.70%APY minus CPI (February 2026) offering 6 Month Certificate at 3.50% APY, Embold Federal Credit UnionEmbold Federal Credit Union12111 SE Sunnyside RD, Happy Valley, OR 97015 8307A5.0 ★Texas Ratio: 6.30%Real return: +0.66%APY minus CPI (February 2026) offering 12 Month (1 Year) Certificate - Member Perks at 3.46% APY, OnPoint Community Credit UnionOnPoint Community Credit Union17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723A+5.0 ★Texas Ratio: 4.12%Real return: -0.25%APY minus CPI (February 2026) offering 60 Month Traditional & Roth IRA Certificates of Deposit at 2.55% APY, and Wells FargoWells Fargo9350 Se 82nd Ave, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Happy Valley has 76 local institutions in our database, with CD rates as high as 5.09% APY from IQ Credit Union at 13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Oregon area. 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 12, 2026

Compare Best CD Rates in Happy Valley, Oregon & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Happy Valley 3 Month CD Rates

Oregon 3 Month CD Average1.77% APYNational 2.09%▼ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
3 Month Traditional & Roth IRA Certificates of Deposit
$1,000
1.55% ▼ 0.22% below Oregon avg
View
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.22% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.79%; APY with OnPoint Rewards: 1.80%

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
3 Month Business Certificates of Deposit
$1,000
1.50% ▼ 0.27% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.27% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
3 Month Certificates of Deposit
$1,000
1.50% ▼ 0.27% below Oregon avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.27% below avgNationally 2.09%
Details

Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%

Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 22, 2026: 1.50% APYSep 22, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
3-Month Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Standard Rate: 0.996%; Standard APY: 1.00%

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
0.50%1.13%1.75%Sep 14, 2026: 1.00% APYSep 21, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20261.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
3-Month Certificate
$0
1.00% ▼ 0.77% below Oregon avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.77% below avgNationally 2.09%
Details

Member Perks Rate: 1.246%; Member Perks APY: 1.25%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
3 Month Certificate - Member Perks
$0
0.85% ▼ 0.92% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 0.92% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.85% APY
0.35%0.85%1.35%Oct 9, 2026: 0.85% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
3 Month Certificate
$0
0.60% ▼ 1.17% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 1.17% below avgNationally 2.09%
Details

Member Perks APY: 0.85%

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.71% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.71% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.71% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.71% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3 Month Certificate
$0
3.85% ▲ 2.08% above Oregon avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 2.08% above avgNationally 2.09%
Details

Rate History
1 change since Sep 24, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 24, 2026: 3.65% APYOct 3, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 3 Month Certificate
$0
3.85% ▲ 2.08% above Oregon avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.73% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40% ▲ 1.63% above Oregon avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▲ 1.63% above avgNationally 2.09%
Details

Balance: $2,500.00 to $99,999.99

Rate History
No change since Oct 9, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
3 Month TCD
$500
3.30% ▲ 1.53% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▲ 1.53% above avgNationally 2.09%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
3 Month IRA Certificate
$1,000
3.20% ▲ 1.43% above Oregon avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 1.43% above avgNationally 2.09%
Details

Term (Days): 91 - 180

Rate History
1 change since Sep 18, 2026 · 1.38% → 3.20% ▲ 1.82 pts · high 3.20% / low 1.38%
0.00%2.51%5.02%Sep 18, 2026: 1.38% APYOct 1, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.20%▲ from 1.38%
  • Sep 18, 20261.38%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
3 Month Certificate
$1,000
3.10% ▲ 1.33% above Oregon avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 1.33% above avgNationally 2.09%
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 1, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 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
$1,000
3.04% ▲ 1.27% above Oregon avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
New Membership Youth CD - 3 Months
$100
3.04% ▲ 1.27% above Oregon avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
90-Day Certificate
$0
2.99% ▲ 1.22% above Oregon avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Month Certificate
$0
2.10% ▲ 0.33% above Oregon avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▲ 0.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Marion And Polk Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Months Certificate
$1,000
1.90% ▲ 0.13% above Oregon avg
View
▼
Rate1.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▲ 0.13% above avgNationally 2.09%
Details

Interest Computation Method: Compounded; Interest Period: Monthly

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 6 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month Certificates (Personal & Business)
$0
1.40% ▼ 0.37% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.37% below avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 10, 2026: 1.40% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month Certificates (Personal & Business)
$0
1.30% ▼ 0.47% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.47% below avgNationally 2.09%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 10, 2026: 1.30% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month Certificates (Personal & Business)
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 10, 2026: 1.25% APYOct 10, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month IRA Certificate
$0
1.25% ▼ 0.52% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month Certificates (Personal & Business)
$0
1.20% ▼ 0.57% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 0.57% below avgNationally 2.09%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 10, 2026: 1.20% APYOct 10, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
3 Month Certificate
$0
0.55% ▼ 1.22% below Oregon avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 1.22% below avgNationally 2.09%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month CD
$0
0.50% ▼ 1.27% below Oregon avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.27% below avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 10, 2026: 0.50% APYOct 10, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
Kid Club Starter CD - 3 Months
$100
0.35% ▼ 1.42% below Oregon avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average1.77%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.67% below Oregon avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.67% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.67% below Oregon avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.67% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000 +

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 13, 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% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificates
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$0
0.05% ▼ 1.72% below Oregon avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average1.77%▼ 1.72% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Happy Valley 6 Month CD Rates

Oregon 6 Month CD Average2.83% APYNational 2.78%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
6 Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
Youth 6 Months
$100
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
6 Month Certificate
$0
3.00% ▲ 0.17% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.17% above avgNationally 2.78%
Details

Standard Rate: 2.722%; Standard APY: 2.75%

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYSep 21, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
6 Month Certificate
$0
2.75% ▼ 0.08% below Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 0.08% below avgNationally 2.78%
Details

Member Perks Rate: 2.972%; Member Perks APY: 3.00%

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
6 Month Certificate - Member Perks
$0
2.00% ▼ 0.83% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 0.83% below avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 9, 2026: 2.00% APYOct 9, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
6 Month Traditional & Roth IRA Certificates of Deposit
$1,000
1.80% ▼ 1.03% below Oregon avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 1.03% below avgNationally 2.78%
Details

Interest rate with OnPoint Rewards: 2.04%; APY with OnPoint Rewards: 2.06%

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 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
6 Month Certificate
$0
1.75% ▼ 1.08% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 1.08% below avgNationally 2.78%
Details

Member Perks APY: 2.00%

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
6 Month Business Certificates of Deposit
$1,000
1.75% ▼ 1.08% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 1.08% below avgNationally 2.78%
Details

Interest rate with OnPoint Rewards: 1.99%; APY with OnPoint Rewards: 2.01%

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
6 Month Certificates of Deposit
$1,000
1.75% ▼ 1.08% below Oregon avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▼ 1.08% below avgNationally 2.78%
Details

Interest rate with OnPoint Rewards: 1.99%; APY with OnPoint Rewards: 2.01%

Rate History
No change since Sep 22, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 22, 2026: 1.75% APYSep 22, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.77% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▼ 2.77% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.77% below Oregon avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▼ 2.77% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.78% below Oregon avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▼ 2.78% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$100,000
4.07% ▲ 1.24% above Oregon avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 1.24% above avgNationally 2.78%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6-Month Certificate
$0
4.07% ▲ 1.24% above Oregon avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 1.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Certificate
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 24, 2026: 3.55% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.55%
  • Sep 24, 20263.55%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 6 Month Certificate
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
180-Day CD
$500
3.75% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

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.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.92% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.92% above Oregon avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate
$0
3.70% ▲ 0.87% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month IRA Certificate
$0
3.70% ▲ 0.87% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.87% above avgNationally 2.78%
Details

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 10, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6 Month Certificate
$500
3.65% ▲ 0.82% above Oregon avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.82% above avgNationally 2.78%
Details

Dividend Rate with Certificate RewardTier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate RewardTier 1: 3.40 %; Tier 2: 3.65 %

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
2.65%3.40%4.15%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Jumbo Certificate
$100,000
3.64% ▲ 0.81% above Oregon avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.81% above avgNationally 2.78%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6 Month Certificate
$100
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6 Month IRA Certificate
$100
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 6 Month
$0
3.60% ▲ 0.77% above Oregon avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.83%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$5,000
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
6 Month Share Certificate
$500
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

Certificate Rates - Effective Friday, July 31, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.56% ▼ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.82% APYOct 4, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.56%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Platinum
$1
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

Loyalty Length: 25 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 9, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Share Certificate
$1
3.56% ▲ 0.73% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.73% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month TCD
$500
3.55% ▲ 0.72% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.72% above avgNationally 2.78%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Certificates & IRAs - 6 Month
$1,000
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month Certificate Account
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

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 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 6-Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month Certificate
$0
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate
$100
3.50% ▲ 0.67% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6-Month Certificate
$1,000
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Dividends compounded and credited: At Maturity; Dividend period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Mo Certificate - Regular, IRA, ESA
$500
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 6 Mo Certificate - Regular, IRA, ESA
$500
3.45% ▲ 0.62% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 6 Month Fixed Rate CD
$0
3.40% ▲ 0.57% above Oregon avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.83%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6 Month Certificate
$500
3.40% ▲ 0.57% above Oregon avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.57% above avgNationally 2.78%
Details

Dividend Rate with Certificate RewardTier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate RewardTier 1: 3.40 %; Tier 2: 3.65 %

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificates (Personal & Business)
$0
3.40% ▲ 0.57% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.57% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months Certificate
$500
3.39% ▲ 0.56% above Oregon avg
View
▼
Rate3.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.83%▲ 0.56% above avgNationally 2.78%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 12, 2026: 3.39% APYOct 12, 2026Oct 13, 2026
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
6 month CD
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$2,500
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Balance: $2,500.00 to $99,999.99

Rate History
No change since Oct 9, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificates (Personal & Business)
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Certificate
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Easy Saver
$0
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Gold
$1
3.30% ▲ 0.47% above Oregon avg
View
▼
Rate3.25%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.83%▲ 0.47% above avgNationally 2.78%
Details

Loyalty Length: 15 Years; Max. Balance: $100,000.00; Auto Renewal: No; Early Withdrawal Penalty: Up to 3 months of dividend

Rate History
No change since Oct 9, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificates (Personal & Business)
$0
3.25% ▲ 0.42% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.83%▲ 0.42% above avgNationally 2.78%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026

Happy Valley 12 Month CD Rates

Oregon 12 Month CD Average2.91% APYNational 2.99%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
12 Month First CD
$10,000
4.58% ▲ 1.67% above Oregon avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.67% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
12 Month (1 Year) Certificate - Member Perks
$0
3.46% ▲ 0.55% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 9, 2026: 3.46% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
12 Month Certificate
$0
3.46% ▲ 0.55% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.55% above avgNationally 2.99%
Details

Member Perks APY

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.46% ▲ 0.26 pts · high 3.46% / low 3.20%
2.70%3.33%3.96%Sep 14, 2026: 3.20% APYOct 9, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.46%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
12 Month (1 Year) Certificate
$0
3.20% ▲ 0.29% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.29% above avgNationally 2.99%
Details

Member Perks APY: 3.46%

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
12 Month Certificate
$0
3.00% ▲ 0.09% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.09% above avgNationally 2.99%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
Youth 12 Months
$100
3.00% ▲ 0.09% above Oregon avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
12 Month Certificate
$0
2.75% ▼ 0.16% below Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▼ 0.16% below avgNationally 2.99%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
12 Month Certificate
$0
2.50% ▼ 0.41% below Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▼ 0.41% below avgNationally 2.99%
Details

Member Perks Rate: 2.727%; Member Perks APY: 2.75%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
12 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.30% ▼ 0.61% below Oregon avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▼ 0.61% below avgNationally 2.99%
Details

Interest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%

Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 18, 2026: 2.30% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
12 Month Business Certificates of Deposit
$1,000
2.25% ▼ 0.66% below Oregon avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▼ 0.66% below avgNationally 2.99%
Details

Interest rate with OnPoint Rewards: 2.48%; APY with OnPoint Rewards: 2.51%

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
12 Month Certificates of Deposit
$1,000
2.25% ▼ 0.66% below Oregon avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▼ 0.66% below avgNationally 2.99%
Details

Interest rate with OnPoint Rewards: 2.48%; APY with OnPoint Rewards: 2.51%

Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 22, 2026: 2.25% APYSep 22, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.40% below Oregon avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.91%▼ 1.40% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.40% below Oregon avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.91%▼ 1.40% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9350 Se 82nd Ave, Happy Valley, OR 97086
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.41% below Oregon avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.91%▼ 1.41% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 2.09% above Oregon avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 2.09% above avgNationally 2.99%
Details

Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$1,000
4.38% ▲ 1.47% above Oregon avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.47% above avgNationally 2.99%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 9, 2026: 4.38% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 1.47% above Oregon avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.47% above avgNationally 2.99%
Details

Balance: $25,000.00 to $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35%
2.32%3.87%5.41%Sep 18, 2026: 3.35% APYOct 1, 2026: 4.38% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.38%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
1-Year Certificate
$0
4.33% ▲ 1.42% above Oregon avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Flex 12 CDx (Consumer, IRA, & Business) 12 Months
$500
4.16% ▲ 1.25% above Oregon avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 1.25% above avgNationally 2.99%
Details

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

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 13, 2026
  • Oct 9, 20264.16%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 1.09% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 1.09% above Oregon avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months Jumbo Certificate
$100,000
3.93% ▲ 1.02% above Oregon avg
View
▼
Rate3.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 1.02% above avgNationally 2.99%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Certificate
$0
3.90% ▲ 0.99% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.99% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month IRA Certificate
$0
3.90% ▲ 0.99% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.99% above avgNationally 2.99%
Details

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 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Pacific West Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.85%
1-Year CD / IRA CD
$0
3.85% ▲ 0.94% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

relationship rate

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1-Year CD
$500
3.85% ▲ 0.94% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

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.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12-Month Certificate Special
$250
3.85% ▲ 0.94% above Oregon avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.94% above avgNationally 2.99%
Details

12-Month Special Certificate *APY = Annual Percentage Yield and is accurate as of 9/1/2026. Minimum deposit of $250 required. Members merits do not apply. The 12-month promotional certificate is for 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.

Rate History
No change since Oct 1, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 1, 2026: 3.85% APYOct 1, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 Year Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 1 Year Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
12 Month Certificate Account
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 12-Month Certificate
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
Save To Win Certificate of Deposit - 12 months
$25
3.75% ▲ 0.84% above Oregon avg
View
▼
Rate3.69%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

See full rates details and disclosures >>

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificates (Personal & Business)
$0
3.75% ▲ 0.84% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.84% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months Certificate
$500
3.68% ▲ 0.77% above Oregon avg
View
▼
Rate3.61%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.77% above avgNationally 2.99%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.68% APY
3.18%3.68%4.18%Oct 12, 2026: 3.68% APYOct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Mo Certificate - Regular, IRA, ESA
$500
3.65% ▲ 0.74% above Oregon avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 12 Mo Certificate - Regular, IRA, ESA
$500
3.65% ▲ 0.74% above Oregon avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificates (Personal & Business)
$0
3.65% ▲ 0.74% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.74% above avgNationally 2.99%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificates (Personal & Business)
$0
3.60% ▲ 0.69% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.69% above avgNationally 2.99%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
12 Month IRA Certificate
$1,000
3.60% ▲ 0.69% above Oregon avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.69% above avgNationally 2.99%
Details

Term (Days): 366 - 730

Rate History
1 change since Sep 18, 2026 · 3.17% → 3.60% ▲ 0.43 pts · high 3.60% / low 3.17%
2.67%3.39%4.10%Sep 18, 2026: 3.17% APYOct 1, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.17%
  • Sep 18, 20263.17%first recorded
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
1-Year Certificate
$1,000
3.56% ▲ 0.65% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificates (Personal & Business)
$0
3.55% ▲ 0.64% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.64% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Certificates & IRAs - 12 Month
$1,000
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate
$0
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Small Savers Certificate
$0
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Balance: $100.00+

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
12 Month Certificate
$1,000
3.50% ▲ 0.59% above Oregon avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
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 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 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% ▲ 0.59% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.91%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 12 Month Fixed Rate CD
$0
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
1 Year One Year Certificate
$1,000
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Add-On 1 Year Certificate
$1,000
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
12 Month Share Certificate
$500
3.40% ▲ 0.49% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.91%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026

Happy Valley 18 Month CD Rates

Oregon 18 Month CD Average2.64% APYNational 2.87%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
18 Month Certificate - Member Perks
$0
2.69% ▲ 0.05% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.05% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 2.69% APY
2.19%2.69%3.19%Oct 9, 2026: 2.69% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
18 Month Certificate
$0
2.43% ▼ 0.21% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.21% below avgNationally 2.87%
Details

Member Perks APY: 2.69%

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 7 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
18 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.36% ▼ 0.28% below Oregon avg
View
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.28% below avgNationally 2.87%
Details

Interest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%

Rate History
No change since Sep 18, 2026 · 2.36% APY · checked 4 times
1.86%2.36%2.86%Sep 18, 2026: 2.36% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
18 Month Business Certificates of Deposit
$1,000
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Interest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%

Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Sep 18, 2026: 2.30% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
18 Month Certificates of Deposit
$1,000
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Interest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%

Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Sep 22, 2026: 2.30% APYSep 22, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificate
$0
4.10% ▲ 1.46% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 1.46% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month IRA Certificate
$0
4.10% ▲ 1.46% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 1.46% above avgNationally 2.87%
Details

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 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.21% above Oregon avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 1.21% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$0
3.85% ▲ 1.21% above Oregon avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 1.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Jumbo Certificate
$100,000
3.80% ▲ 1.16% above Oregon avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 1.16% above avgNationally 2.87%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18 Month IRA
$0
3.75% ▲ 1.11% above Oregon avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 1.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Certificate
$500
3.65% ▲ 1.01% above Oregon avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 1.01% above avgNationally 2.87%
Details

Dividend Rate with Certificate RewardTier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate RewardTier 1: 3.40 %; Tier 2: 3.65 %

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
2.65%3.40%4.15%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Months Certificate
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 18 Mo Certificate - Regular, IRA, ESA
$500
3.55% ▲ 0.91% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.91% above avgNationally 2.87%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18 Month IRA
$0
3.50% ▲ 0.86% above Oregon avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
18 Month Share Certificate
$500
3.50% ▲ 0.86% above Oregon avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Certificate
$500
3.40% ▲ 0.76% above Oregon avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.76% above avgNationally 2.87%
Details

Dividend Rate with Certificate RewardTier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate RewardTier 1: 3.40 %; Tier 2: 3.65 %

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 18 Month Fixed Rate CD
$0
3.25% ▲ 0.61% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 0.61% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Certificate
$500
3.15% ▲ 0.51% above Oregon avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.51% above avgNationally 2.87%
Details

Dividend Rate with Certificate RewardTier 1: 3.357 %; Tier 2: 3.601 %; APY with Certificate RewardTier 1: 3.40 %; Tier 2: 3.65 %

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Certificate
$15,000
3.05% ▲ 0.41% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.41% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month TCD
$5,000
3.04% ▲ 0.40% above Oregon avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.40% above avgNationally 2.87%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 24, 2026: 3.04% APYSep 24, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month TCD
$500
3.03% ▲ 0.39% above Oregon avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▲ 0.39% above avgNationally 2.87%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Balance: $100,000.00+

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Share Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
18 Month Certificate Account
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 18-Month Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
18-month regular certificate
$500
3.00% ▲ 0.36% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate Accounts - 18 Month
$500
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
18 Month Certificate
$100
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
18 Month IRA Certificate
$100
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 18 Month
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Online 18-month certificate
$0
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
Details

APY for balances of $500 - $24,999

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Certificate
$1,000
3.00% ▲ 0.36% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.36% above avgNationally 2.87%
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 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
18 Month Share Certificate
$500
2.99% ▲ 0.35% above Oregon avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.35% above avgNationally 2.87%
Details

Certificate Rates - Effective Friday, July 31, 2026

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
2.90% ▲ 0.26% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.64%▲ 0.26% above avgNationally 2.87%
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 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
2.75% ▲ 0.11% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month CD
$0
2.75% ▲ 0.11% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term
$1,000
2.75% ▲ 0.11% above Oregon avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.11% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Month Certificates (Personal & Business)
$0
2.65% ▲ 0.01% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▲ 0.01% above avgNationally 2.87%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificates/IRA Certificates 18 Months
$500
2.60% ▼ 0.04% below Oregon avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.04% below avgNationally 2.87%
Details

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

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Month Certificates (Personal & Business)
$0
2.55% ▼ 0.09% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.09% below avgNationally 2.87%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Peoples Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 Months Certificates of Deposit
$500
2.53% ▼ 0.11% below Oregon avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.64%▼ 0.11% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month IRA Term Share Certificate
$1,000
2.50% ▼ 0.14% below Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
18 Month Certificate
$0
2.50% ▼ 0.14% below Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $500.00 - $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 13, 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%
18 Month Certificates (Personal & Business)
$0
2.50% ▼ 0.14% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.14% below avgNationally 2.87%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Month Certificates (Personal & Business)
$0
2.45% ▼ 0.19% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.64%▼ 0.19% below avgNationally 2.87%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 10, 2026: 2.45% APYOct 10, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
18 Month Certificate
$500
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Balance: $500 - $74,999.99; Dividend compounded monthly; Certificate Accounts & IRA/ESA Certificates

Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
Business 18 Month Certificate
$500
2.30% ▼ 0.34% below Oregon avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.64%▼ 0.34% below avgNationally 2.87%
Details

Balance: $500 - $74,999.99; Dividend compounded and credited monthly

Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026

Happy Valley 24 Month CD Rates

Oregon 24 Month CD Average2.58% APYNational 2.88%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
24 Month Second CD
$10,000
5.09% ▲ 2.51% above Oregon avg
View
▼
Rate5.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 2.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
24 Month Certificate
$0
3.20% ▲ 0.62% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.62% above avgNationally 2.88%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
24 Month (2 Year) Certificate - Member Perks
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 9, 2026: 2.79% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
24 Month Certificate
$0
2.79% ▲ 0.21% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.21% above avgNationally 2.88%
Details

Member Perks APY

Rate History
1 change since Sep 14, 2026 · 2.53% → 2.79% ▲ 0.26 pts · high 2.79% / low 2.53%
2.03%2.66%3.29%Sep 14, 2026: 2.53% APYOct 9, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.79%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
24 Month Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
24 Month (2 Year) Certificate
$0
2.53% ▼ 0.05% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▼ 0.05% below avgNationally 2.88%
Details

Member Perks APY: 2.79%

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
24 Month Certificate
$0
2.50% ▼ 0.08% below Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▼ 0.08% below avgNationally 2.88%
Details

Member Perks Rate: 2.727%; Member Perks APY: 2.75%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
24 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.41% ▼ 0.17% below Oregon avg
View
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▼ 0.17% below avgNationally 2.88%
Details

Interest rate with OnPoint Rewards: 2.63%; APY with OnPoint Rewards: 2.66%

Rate History
No change since Sep 18, 2026 · 2.41% APY · checked 4 times
1.91%2.41%2.91%Sep 18, 2026: 2.41% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
24 Month Business Certificates of Deposit
$1,000
2.36% ▼ 0.22% below Oregon avg
View
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▼ 0.22% below avgNationally 2.88%
Details

Interest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%

Rate History
No change since Sep 18, 2026 · 2.36% APY · checked 2 times
1.86%2.36%2.86%Sep 18, 2026: 2.36% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
24 Month Certificates of Deposit
$1,000
2.36% ▼ 0.22% below Oregon avg
View
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▼ 0.22% below avgNationally 2.88%
Details

Interest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%

Rate History
No change since Sep 22, 2026 · 2.36% APY · checked 3 times
1.86%2.36%2.86%Sep 22, 2026: 2.36% APYSep 22, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
24 Month IRA Certificate
$500
4.15% ▲ 1.57% above Oregon avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.57% above avgNationally 2.88%
Details

Term (Days): 731 - 1095

Rate History
1 change since Sep 18, 2026 · 3.00% → 4.15% ▲ 1.15 pts · high 4.15% / low 3.00%
1.85%3.58%5.30%Sep 18, 2026: 3.00% APYOct 1, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.15%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Certificate
$0
4.10% ▲ 1.52% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.52% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month IRA Certificate
$0
4.10% ▲ 1.52% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.52% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
24 Month Certificate
$500
4.05% ▲ 1.47% above Oregon avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.47% above avgNationally 2.88%
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 1, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.05%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
24 Month Bump Certificate
$2,500
3.84% ▲ 1.26% above Oregon avg
View
▼
Rate3.77%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 1.26% above avgNationally 2.88%
Details

Term: 731 - 1095 days

Rate History
1 change since Sep 14, 2026 · 2.70% → 3.84% ▲ 1.14 pts · high 3.84% / low 2.70%
1.56%3.27%4.98%Sep 14, 2026: 2.70% APYOct 1, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.84%▲ from 2.70%
  • Sep 14, 20262.70%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Jumbo Certificate
$100,000
3.75% ▲ 1.17% above Oregon avg
View
▼
Rate3.68%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 1.17% above avgNationally 2.88%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
3.61% ▲ 1.03% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 1.03% above avgNationally 2.88%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61% ▲ 1.03% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 1.03% above avgNationally 2.88%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2-Year Certificate
$1,000
3.55% ▲ 0.97% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.97% above avgNationally 2.88%
Details

Dividends compounded and credited: Quarterly; Dividend period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months Certificate
$500
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate
$0
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate
$100
3.50% ▲ 0.92% above Oregon avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month TCD
$5,000
3.30% ▲ 0.72% above Oregon avg
View
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.72% above avgNationally 2.88%
Details

Compounding: Monthly**

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year CD
$0
3.30% ▲ 0.72% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Pioneer Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month TCD
$500
3.29% ▲ 0.71% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.71% above avgNationally 2.88%
Details

Compounding: Quarterly

Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 24, 2026: 3.29% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 1/2 Year IRA
$0
3.25% ▲ 0.67% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 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 12, 2026
Oregon Average2.58%▲ 0.67% above avgNationally 2.88%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year Certificate
$0
3.20% ▲ 0.62% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
24-month regular certificate
$500
3.15% ▲ 0.57% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.57% above avgNationally 2.88%
Details

The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year IRA Certificate
$0
3.10% ▲ 0.52% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.52% above avgNationally 2.88%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 Month Certificate
$15,000
3.05% ▲ 0.47% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 24 Month Fixed Rate CD
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 1/2 Years Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 1 1/2 Years Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 3, 2026: 3.00% APYOct 3, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Share Certificate
$0
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 Month Certificate
$1,000
3.00% ▲ 0.42% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.42% above avgNationally 2.88%
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 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$0
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate Accounts - 24 Month
$500
2.90% ▲ 0.32% above Oregon avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.58%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
24 Month Certificate
$100
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
24 Month IRA Certificate
$100
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 24 Month
$0
2.85% ▲ 0.27% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.58%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 1/2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 2 1/2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 3, 2026: 2.75% APYOct 3, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 2 Years Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 3, 2026: 2.75% APYOct 3, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
24 Month IRA Term Share Certificate
$1,000
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2 Year Share Certificate
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
24 Month Certificate Account
$0
2.75% ▲ 0.17% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificates/IRA Certificates 24 Months
$500
2.70% ▲ 0.12% above Oregon avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.58%▲ 0.12% above avgNationally 2.88%
Details

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

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 13, 2026

Happy Valley 36 Month CD Rates

Oregon 36 Month CD Average2.50% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
36 Month Certificate
$0
3.20% ▲ 0.70% above Oregon avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.70% above avgNationally 2.81%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
36 Month (3 Year) Certificate - Member Perks
$0
2.94% ▲ 0.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.44% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
36 Month Certificate
$0
2.94% ▲ 0.44% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.44% above avgNationally 2.81%
Details

Member Perks APY

Rate History
1 change since Sep 14, 2026 · 2.69% → 2.94% ▲ 0.25 pts · high 2.94% / low 2.69%
2.19%2.82%3.44%Sep 14, 2026: 2.69% APYOct 9, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.94%▲ from 2.69%
  • Sep 14, 20262.69%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
36 Month Certificate
$0
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
36 Month (3 Year) Certificate
$0
2.69% ▲ 0.19% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.19% above avgNationally 2.81%
Details

Member Perks APY: 2.94%

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 7 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
36 Month Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Member Perks Rate: 2.727%; Member Perks APY: 2.75%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
36 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.45% ▼ 0.05% below Oregon avg
View
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▼ 0.05% below avgNationally 2.81%
Details

Interest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 4 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
36 Month Business Certificates of Deposit
$1,000
2.40% ▼ 0.10% below Oregon avg
View
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▼ 0.10% below avgNationally 2.81%
Details

Interest rate with OnPoint Rewards: 2.62%; APY with OnPoint Rewards: 2.65%

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
36 Month Certificates of Deposit
$1,000
2.40% ▼ 0.10% below Oregon avg
View
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▼ 0.10% below avgNationally 2.81%
Details

Interest rate with OnPoint Rewards: 2.62%; APY with OnPoint Rewards: 2.65%

Rate History
No change since Sep 22, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 22, 2026: 2.40% APYSep 22, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Certificate
$0
4.20% ▲ 1.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month IRA Certificate
$0
4.20% ▲ 1.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
36 Month IRA Certificate
$500
3.96% ▲ 1.46% above Oregon avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.46% above avgNationally 2.81%
Details

Term (Days): 1096 - 1460

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.96% ▲ 0.91 pts · high 3.96% / low 3.05%
2.14%3.51%4.87%Sep 18, 2026: 3.05% APYOct 1, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.96%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Jumbo Certificate
$100,000
3.80% ▲ 1.30% above Oregon avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.30% above avgNationally 2.81%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
36 Month Certificate
$500
3.75% ▲ 1.25% above Oregon avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.25% 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 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 2.84%
  • Sep 14, 20262.84%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61% ▲ 1.11% above Oregon avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 1.11% above Oregon avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 1.11% above avgNationally 2.81%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month Certificate
$0
3.60% ▲ 1.10% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months Certificate
$500
3.55% ▲ 1.05% above Oregon avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.05% above avgNationally 2.81%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
36 Month Bump Certificate
$2,500
3.54% ▲ 1.04% above Oregon avg
View
▼
Rate3.48%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 1.04% above avgNationally 2.81%
Details

Term: 1096 - 1460 days

Rate History
1 change since Sep 14, 2026 · 2.63% → 3.54% ▲ 0.91 pts · high 3.54% / low 2.63%
1.72%3.09%4.45%Sep 14, 2026: 2.63% APYOct 1, 2026: 3.54% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.54%▲ from 2.63%
  • Sep 14, 20262.63%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.50% ▲ 1.00% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 1.00% above avgNationally 2.81%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.75% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.75% above avgNationally 2.81%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36 Month Share Certificate
$0
3.25% ▲ 0.75% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.75% above avgNationally 2.81%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year Certificate
$0
3.20% ▲ 0.70% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%▲ 0.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Oregon Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
36-month regular certificate
$500
3.15% ▲ 0.65% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.65% above avgNationally 2.81%
Details

The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 8/7/2026. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$0
3.10% ▲ 0.60% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%▲ 0.60% above avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
36 Month Certificate
$15,000
3.05% ▲ 0.55% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year CD
$0
3.04% ▲ 0.54% above Oregon avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 10, 2026: 3.04% APYOct 10, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
36 Month IRA Term Share Certificate
$1,000
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
36 Month Share Certificate
$500
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
36 Month Certificate
$1,000
3.00% ▲ 0.50% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.50% above avgNationally 2.81%
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 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
3 Year Share Certificate
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate Accounts - 36 Month
$500
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
36 Month Certificate
$100
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
36 Month IRA Certificate
$100
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 36 Month
$0
2.85% ▲ 0.35% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.50%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificates/IRA Certificates 36 Months
$500
2.80% ▲ 0.30% above Oregon avg
View
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.30% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
36 Month Certificate Account
$0
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate
$100
2.75% ▲ 0.25% above Oregon avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.15% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.15% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
3 Year Share Certificate
$0
2.60% ▲ 0.10% above Oregon avg
View
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.50%▲ 0.10% above avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 20, 2026: 2.60% APYSep 20, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Year Certificates (Personal & Business)
$0
2.55% ▲ 0.05% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%▲ 0.05% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 36 Month Fixed Rate CD
$0
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3 Years Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 3 Years Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 36-Month Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Mo Certificate - Regular, IRA, ESA
$500
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 36 Mo Certificate - Regular, IRA, ESA
$500
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
3 Year Share and IRA Certificate
$0
2.50% At Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Year Certificates (Personal & Business)
$0
2.50% At Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.50%At the averageNationally 2.81%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026

Happy Valley 48 Month CD Rates

Oregon 48 Month CD Average2.49% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
48 Month Certificate
$0
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
48 Month (4 Year) Certificate - Member Perks
$0
3.05% ▲ 0.56% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
48 Month Certificate
$0
3.05% ▲ 0.56% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Member Perks APY

Rate History
1 change since Sep 14, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
2.29%2.92%3.55%Sep 14, 2026: 2.79% APYOct 9, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.05%▲ from 2.79%
  • Sep 14, 20262.79%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
48 Month (4 Year) Certificate
$0
2.79% ▲ 0.30% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.30% above avgNationally 2.80%
Details

Member Perks APY: 3.05%

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
48 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
48 Month Business Certificates of Deposit
$1,000
2.45% ▼ 0.04% below Oregon avg
View
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▼ 0.04% below avgNationally 2.80%
Details

Interest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
48 Month Certificates of Deposit
$1,000
2.45% ▼ 0.04% below Oregon avg
View
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▼ 0.04% below avgNationally 2.80%
Details

Interest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%

Rate History
No change since Sep 22, 2026 · 2.45% APY · checked 3 times
1.95%2.45%2.95%Sep 22, 2026: 2.45% APYSep 22, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Certificate
$0
4.20% ▲ 1.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month IRA Certificate
$0
4.20% ▲ 1.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Jumbo Certificate
$100,000
3.85% ▲ 1.36% above Oregon avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.36% above avgNationally 2.80%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.26% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.26% above avgNationally 2.80%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
48 Month IRA Certificate
$500
3.71% ▲ 1.22% above Oregon avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.22% above avgNationally 2.80%
Details

Term (Days): 1461 - 1825

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.71% ▲ 0.53 pts · high 3.71% / low 3.18%
2.65%3.45%4.24%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.71%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
48 Months Certificate
$500
3.60% ▲ 1.11% above Oregon avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.11% above avgNationally 2.80%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month Certificate
$0
3.60% ▲ 1.11% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.50% ▲ 1.01% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 1.01% above avgNationally 2.80%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
48 Month Certificate
$500
3.50% ▲ 1.01% above Oregon avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 1.01% 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 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 2.97%
  • Sep 14, 20262.97%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$1,000
3.45% ▲ 0.96% above Oregon avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.96% 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 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.96% above Oregon avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.96% above avgNationally 2.80%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
48 Month Bump Certificate
$2,500
3.29% ▲ 0.80% above Oregon avg
View
▼
Rate3.24%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.80% above avgNationally 2.80%
Details

Term: 1461 - 1825 days

Rate History
1 change since Sep 14, 2026 · 2.77% → 3.29% ▲ 0.52 pts · high 3.29% / low 2.77%
2.25%3.03%3.81%Sep 14, 2026: 2.77% APYOct 1, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.29%▲ from 2.77%
  • Sep 14, 20262.77%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
48 Month IRA Term Share Certificate
$1,000
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Share Certificate
$0
3.25% ▲ 0.76% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.76% above avgNationally 2.80%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.71% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$0
3.10% ▲ 0.61% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.61% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
48 Month Certificate
$15,000
3.05% ▲ 0.56% above Oregon avg
View
▼
Rate3.01%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.56% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
4 Year Share Certificate
$0
3.00% ▲ 0.51% above Oregon avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.51% above avgNationally 2.80%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
48 Month Certificate
$1,000
3.00% ▲ 0.51% above Oregon avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.51% above avgNationally 2.80%
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 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificates/IRA Certificates 48 Months
$500
2.90% ▲ 0.41% above Oregon avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.41% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
48 Month Certificate
$100
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
48 Month IRA Certificate
$100
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 48 Month
$0
2.85% ▲ 0.36% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.49%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$0
2.80% ▲ 0.31% above Oregon avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate Accounts - 48 Month
$500
2.80% ▲ 0.31% above Oregon avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
4 Year Share Certificate
$0
2.75% ▲ 0.26% above Oregon avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.26% above avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
48 Month Share Certificate
$500
2.75% ▲ 0.26% above Oregon avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 5, 2026: 2.75% APYOct 5, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.16% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.16% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
4 Year Share and IRA Certificate
$0
2.60% ▲ 0.11% above Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4 Year Certificates (Personal & Business)
$0
2.55% ▲ 0.06% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.06% above avgNationally 2.80%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
4 Year Share Certificates
$500
2.52% ▲ 0.03% above Oregon avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 12, 2026: 2.52% APYOct 12, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 48 Month Fixed Rate CD
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4 Years Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 4 Years Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
4 Year Share Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
48 Month Certificate Account
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
IRA / ESA 48-Month Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Mo Certificate - Regular, IRA, ESA
$500
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Business 48 Mo Certificate - Regular, IRA, ESA
$500
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $500-$19,999.99

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
4 Year Bump Up Certificate
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4 Year Certificates (Personal & Business)
$0
2.50% ▲ 0.01% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▲ 0.01% above avgNationally 2.80%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4 Year Certificates (Personal & Business)
$0
2.45% ▼ 0.04% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.49%▼ 0.04% below avgNationally 2.80%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 10, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 10, 2026: 2.45% APYOct 10, 2026Oct 13, 2026
Heritage Grove Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Share Certificate
$0
2.40% ▼ 0.09% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.49%▼ 0.09% below avgNationally 2.80%
Details

Dividends are paid monthly and calculated on average daily balance.

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026

Happy Valley 60 Month CD Rates

Oregon 60 Month CD Average2.61% APYNational 2.90%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253
60 Month Certificate
$0
3.30% ▲ 0.69% above Oregon avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.69% above avgNationally 2.90%
Details

Balance: $0.01-$49,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
60 Month (5 Year) Certificate - Member Perks
$0
3.15% ▲ 0.54% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 9, 2026: 3.15% APYOct 9, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
60 Month Certificate
$0
3.15% ▲ 0.54% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

Member Perks APY

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89%
2.39%3.02%3.65%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.15%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12111 SE Sunnyside RD, Happy Valley, OR 97015 8307
60 Month (5 Year) Certificate
$0
2.89% ▲ 0.28% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.28% above avgNationally 2.90%
Details

Member Perks APY: 3.15%

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 7 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
60 Month Certificate
$0
2.75% ▲ 0.14% above Oregon avg
View
▼
Rate2.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.14% above avgNationally 2.90%
Details

Standard Rate: 2.477%; Standard APY: 2.50%

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYSep 21, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
60 Month Traditional & Roth IRA Certificates of Deposit
$1,000
2.55% ▼ 0.06% below Oregon avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.06% below avgNationally 2.90%
Details

Balance: $1,000+; Interest rate with OnPoint Rewards: 2.77%; APY with OnPoint Rewards: 2.81%

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
13220 SE 172nd Ave Ste 168, Happy Valley, OR 97086
60 Month Certificate
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Member Perks Rate: 2.727%; Member Perks APY: 2.75%

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
60 Month Business Certificates of Deposit
$1,000
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Balance: $1,000+; Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723
60 Month Certificates of Deposit
$1,000
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Certificate
$0
4.20% ▲ 1.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month IRA Certificate
$0
4.20% ▲ 1.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
4.00% ▲ 1.39% above Oregon avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.39% above avgNationally 2.90%
Details

Balance: $100,000.00 +

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Jumbo Certificate
$100,000
3.87% ▲ 1.26% above Oregon avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.26% above avgNationally 2.90%
Details

Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87%
3.37%3.90%4.43%Oct 8, 2026: 3.93% APYOct 12, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.87%▼ from 3.93%
  • Oct 8, 20263.93%first recorded
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
3.75% ▲ 1.14% above Oregon avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.14% above avgNationally 2.90%
Details

Balance: $10,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month IRA Certificates
$500
3.68% ▲ 1.07% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.07% above avgNationally 2.90%
Details

Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Month Share Certificates
$500
3.68% ▲ 1.07% above Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.07% above avgNationally 2.90%
Details

Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends

Rate History
No change since Oct 8, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 8, 2026: 3.68% APYOct 8, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
60 Months Certificate
$500
3.62% ▲ 1.01% above Oregon avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 1.01% above avgNationally 2.90%
Details

Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly

Rate History
1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62%
3.12%3.65%4.18%Oct 8, 2026: 3.68% APYOct 12, 2026: 3.62% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.62%▼ from 3.68%
  • Oct 8, 20263.68%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month Certificate
$0
3.60% ▲ 0.99% above Oregon avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.99% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55% ▲ 0.94% above Oregon avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.94% above avgNationally 2.90%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 9, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.94% above Oregon avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.94% above avgNationally 2.90%
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
60 Month IRA Term Share Certificate
$1,000
3.50% ▲ 0.89% above Oregon avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.89% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Share Certificates
$500
3.29% ▲ 0.68% above Oregon avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 13, 2026
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Share Certificate
$0
3.25% ▲ 0.64% above Oregon avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.64% above avgNationally 2.90%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year Certificate
$0
3.20% ▲ 0.59% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month Certificate
$15,000
3.15% ▲ 0.54% above Oregon avg
View
▼
Rate3.10%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.54% above avgNationally 2.90%
Details

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 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$0
3.10% ▲ 0.49% above Oregon avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▲ 0.49% above avgNationally 2.90%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month Certificate
$1,000
3.10% ▲ 0.49% above Oregon avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
5 Year Share Certificate
$0
3.07% ▲ 0.46% above Oregon avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.46% above avgNationally 2.90%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 25, 2026 · 3.07% APY · checked 4 times
2.57%3.07%3.57%Sep 25, 2026: 3.07% APYSep 25, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Certificates/IRA Certificates 60 Months
$500
3.00% ▲ 0.39% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.39% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 months Standard Certificate
$500
3.00% ▲ 0.39% above Oregon avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.39% above avgNationally 2.90%
Details

APY* for balances of $100,000 or more: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 1, 2026: 3.00% APYOct 1, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 months Standard Certificate
$500
2.89% ▲ 0.28% above Oregon avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.28% above avgNationally 2.90%
Details

APY* for balances of $25,000 - $99,999: 2.85%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 1, 2026: 2.89% APYOct 1, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
5 Year Share Certificate
$0
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
60 Month Certificate
$100
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
60 Month IRA Certificate
$100
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Fixed Rates

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Commercial 60 Month
$0
2.85% ▲ 0.24% above Oregon avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Oregon Average2.61%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 months Standard Certificate
$500
2.84% ▲ 0.23% above Oregon avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.23% above avgNationally 2.90%
Details

APY* for balances of $500 - $24,999: 2.80%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase.

Rate History
No change since Oct 1, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 1, 2026: 2.84% APYOct 1, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year CD
$0
2.78% ▲ 0.17% above Oregon avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 10, 2026: 2.78% APYOct 10, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5 Year Share and IRA Certificate
$0
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$0
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
IRA Certificate Accounts - 60 Month
$500
2.70% ▲ 0.09% above Oregon avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
5 Year Certificates (Personal & Business)
$0
2.65% ▲ 0.04% above Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▲ 0.04% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Oct 10, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 10, 2026: 2.65% APYOct 10, 2026Oct 13, 2026
Consolidated Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
5 Year Share Certificate
$0
2.60% ▼ 0.01% below Oregon avg
View
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▼ 0.01% below avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 20, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 20, 2026: 2.60% APYSep 20, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5 Year Bump Up Certificate
$0
2.60% ▼ 0.01% below Oregon avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
5 Year Certificates (Personal & Business)
$0
2.55% ▼ 0.06% below Oregon avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oregon Average2.61%▼ 0.06% below avgNationally 2.90%
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
60-Month Share Certificate
$500
2.53% ▼ 0.08% below Oregon avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oregon Average2.61%▼ 0.08% below avgNationally 2.90%
Details

Balance: $50,000 to $99,999

Rate History
No change since Sep 25, 2026 · 2.53% APY · checked 4 times
2.03%2.53%3.03%Sep 25, 2026: 2.53% APYSep 25, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 60 Month Fixed Rate CD
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
5 Year IRA
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
5 Years Certificate
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Business 5 Years Certificate
$0
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 3, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 3, 2026: 2.50% APYOct 3, 2026Oct 13, 2026
Old West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
60 Month Share Certificate
$500
2.50% ▼ 0.11% below Oregon avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oregon Average2.61%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 5, 2026: 2.50% APYOct 5, 2026Oct 13, 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 Happy Valley, Oregon Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Pioneer Trust Bank
6 Month TCD
A 5.0 ★ TX: 6.26%
Min: $100,000
4.07%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
First Federal S&L of McMinnville
3 Month Certificate
A+ 5.0 ★ TX: 0.22%
Min: $0
3.85%
CU Top 5 Credit Union Rates
IQ Credit Union
24 Month Second CD
A+ 5.0 ★ TX: 5.25%
Min: $10,000
5.09%
Rivermark Community Credit Union
6 Month Certificate
A 5.0 ★ TX: 9.96%
Min: $0
3.50%
Embold Federal Credit Union
12 Month (1 Year) Certificate - Member Perks
A 5.0 ★ TX: 6.30%
Min: $0
3.46%
OnPoint Community Credit Union
60 Month Traditional & Roth IRA Certificates of Deposit
A+ 5.0 ★ TX: 4.12%
Min: $1,000
2.55%
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Happy Valley, OR CD Rate Trends

Compare local Happy Valley, 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
2.913%
▲ 0.048 vs 7 days ago

Oregon 12-month CD rates rose 0.048 points over the past 7 days to 2.913% APY.

6-Month CD OR Avg
2.834%
▲ 0.028 vs 7 days ago

Oregon 6-month CD rates rose 0.028 points over the past 7 days to 2.834% APY.

As of Oct 13, 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
2.913%
6-Month Forecast
2.913%
Range: 2.71%, 3.06%
12-Month Forecast
3.163%
Range: 2.96%, 3.31%

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 1.46% 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.

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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 1.771% $88.57 $177.13 $442.83 $885.65
6-Month CD 2.834% $141.71 $283.42 $708.55 $1,417.10
12-Month CD 2.913% $145.63 $291.25 $728.13 $1,456.25
18-Month CD 2.643% $132.13 $264.26 $660.65 $1,321.30
24-Month CD 2.582% $129.10 $258.20 $645.50 $1,291.00
36-Month CD 2.502% $125.11 $250.21 $625.53 $1,251.05
48-Month CD 2.491% $124.56 $249.12 $622.80 $1,245.60
60-Month CD 2.606% $130.28 $260.55 $651.38 $1,302.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Happy Valley, 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 1.771% $88.57
2 6-Month CD $5,000 2.834% $141.71
3 12-Month CD $5,000 2.913% $145.63
4 24-Month CD $5,000 2.582% $129.10
5 36-Month CD $5,000 2.502% $125.11
Total ($25,000 invested) $25,000 2.520% blended $630.12/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.

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759
CD Rates
Tracked in Happy Valley, Oregon
15 Banks 43 Credit Unions

About Our Happy Valley, Oregon CD Rate Database

MonitorBankRates tracks 759 CD rates from 15 banks and 43 credit unions with locations in Happy Valley, 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: IQ Credit Union offers a CD at 5.09% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Happy Valley, Oregon.

How to Find the Best CD Rates in Happy Valley, Oregon

What to compare when shopping for a CD in Happy Valley, Oregon

To find the best APYs in Happy Valley, Oregon, start with credit unions and online-only banks: Happy Valley, Oregon has 43 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 Happy Valley, 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 Happy Valley, Oregon: 58 institutions here report CD rates

Consider an Alternative If…

Happy Valley, Oregon Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.8%
National avg: 17.3%
Median Individual Earnings
$58,734
National avg: $47,340
Poverty Rate
7.7%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$171/yr
At OR 12-mo avg 2.913% APY

15.8% of residents are 65 or older, below the national average of 17.3%. At today’s OR 12-month CD average of 2.913%, saving 10% of the local median salary ($5,873/year) and putting it in a CD would earn an additional $171 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 Happy Valley, 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

How Certificates of Deposit Work in Happy Valley, 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 Happy Valley, 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 Happy Valley, Oregon as everywhere in the U.S.

Choosing a CD Term in Happy Valley, 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 Happy Valley, Oregon savers easier access to their funds. For example, Rivermark Community Credit Union is offering its 6 Month Certificate at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rivermark Community Credit Union is offering its 60 Month Certificate at 3.30% 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, Oregon

Most CDs carry a fixed rate that is locked for the entire term, protecting a Happy Valley, 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 Happy Valley, Oregon

Are CD rates in Happy Valley, Oregon FDIC insured?

Yes, most established banks in Happy Valley, 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, Oregon?

Here are recent top rates found for this area:
  • IQ Credit Union: 5.09% APY (24 Month Second CD)
  • Rivermark Community Credit Union: 3.50% APY (6 Month Certificate)
  • Embold Federal Credit Union: 3.46% APY (12 Month (1 Year) Certificate - Member Perks)
  • OnPoint Community Credit Union: 2.55% APY (60 Month Traditional & Roth IRA Certificates of Deposit)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
  • 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 (36 Month Certificate)
  • Central Willamette Credit Union: 4.16% APY (Flex 12 CDx (Consumer, IRA, & Business) 12 Months)
Rates reflect recent verified offers available in Happy Valley, Oregon. Last Updated: October 12, 2026

Happy Valley, 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 Happy Valley, 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 Happy Valley, Oregon CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Happy Valley, Oregon. Averages shown use the Oregon state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Happy Valley, Oregon

Happy Valley, Oregon CD Calculator

At today’s OR top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.

Happy Valley, Oregon CD Ladder

OR CD rates currently range from 1.771% (3-month) to 2.502% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Happy Valley, Oregon CD at 5.10% 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 2.913% 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 Happy Valley, 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 Happy Valley, 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 Happy Valley, 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 12, 2026

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