North Powder, Oregon CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current North Powder, Oregon CD rates include Northwest Adventist Federal Credit UnionNorthwest Adventist Federal Credit UnionA+5.0 ★Texas Ratio: 2.06%Real return: +1.53%APY minus CPI (February 2026) offering 1-Year Certificate at 4.33% APY, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit UnionA+5.0 ★Texas Ratio: 0.54%Real return: +1.20%APY minus CPI (February 2026) offering IRA / ESA 12-Month Certificate at 4.00% APY, Pioneer Trust BankPioneer Trust BankA+5.0 ★Texas Ratio: 2.87%Real return: +1.02%APY minus CPI (February 2026) offering 6 Month TCD at 3.82% APY, Unitus Community Credit UnionUnitus Community Credit UnionA+5.0 ★Texas Ratio: 3.85%Real return: +0.95%APY minus CPI (February 2026) offering 12 Mo Certificate - Regular, IRA, ESA at 3.75% APY, and Point West Credit UnionPoint West Credit UnionA+5.0 ★Texas Ratio: 4.51%Real return: +0.95%APY minus CPI (February 2026) offering Save To Win Certificate of Deposit 12 months at 3.75% APY. CD rates as of May 31, 2026 according to verified data from MonitorBankRates.
North Powder is a smaller community with no bank or credit union branches currently in our database. 404 institutions serving the Oregon area are available to North Powder residents, with CD rates as high as 4.33% APY from Northwest Adventist Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 31, 2026
Compare Best CD Rates in North Powder, Oregon & the Surrounding Area
North Powder 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
3.65%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Short Term Certificates
$0
3.65%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
90-Day Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
90-Day Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Certificate Accounts
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 3 Months
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 3 months
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$100,000
1.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 3 months
$1,000
1.55%
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 3 months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 3 Months
$0
1.38%
▼
Rate1.37%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$50,000
1.35%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Months Certificate
$0
1.28%
▼
Rate1.27%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Months Certificate Accounts
$0
1.28%
▼
Rate1.27%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$10,000
1.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Months Share Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 3 Months
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month Certificate
$500
1.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3-Month Certificate of Deposit (CD)
$0
0.40%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
North Powder 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6-Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month Certificate Account
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month Commercial Certificate Account
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
180-Day CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.55%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Short Term Certificates
$0
3.55%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 6-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Special IRA Certificate
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
**
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
6 Months Certificate Reward Tier 2
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$50,000
3.35%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Mo. Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Months Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 6 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month & Easy Saver Certificate Accounts
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 23, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
6 Months Certificate Reward Tier 1
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$10,000
3.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
6 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
Youth 6 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Advantis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6 Month Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
As high as
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6-Month Certificate
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6-Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
6 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 6 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
180-Day Certificates of Deposit
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 6 Months
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Months Certificate
$0
2.59%
▼
Rate2.56%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Months Certificate Accounts
$0
2.59%
▼
Rate2.56%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
6 Month Certificate
$15,000
2.15%
▼
Rate2.13%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
6 Month Share Certificate
$15,000
2.15%
▼
Rate2.13%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 6 Month Certificate
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
6 Month Share Certificate
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 6 Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
6 Month Certificate
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 6 months
$1,000
2.01%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 6 Months
$50,000
2.00%
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Months Share Certificate
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 6 Months
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Powder 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1-Year Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 12-Month Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Mo Certificate - Regular, IRA, ESA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Save To Win Certificate of Deposit 12 months
$25
3.75%
▼
Rate3.69%
Min Deposit$25
Min Balance—
UpdatedMay 18, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Flex 12 CDx (Consumer, IRA, & Business) 12 Months
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500 - $24,999.99
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit; With .25% Bonus*
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1-Year Certificate of Deposit (CD)
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1-Year Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Special IRA Certificate
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
**
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1-Year Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 12 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 12 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Commercial Certificate Account
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Certificate Account
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Long Term Certificates
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 1 Year
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1-Year CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Embold Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
12-month Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 12 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month Certificate Accounts
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 12 Months
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
12 Month Certificate
$15,000
3.15%
▼
Rate3.10%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
12 Month Share Certificate
$15,000
3.15%
▼
Rate3.10%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$50,000
3.10%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
12 Month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
12 Month Share Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 12 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 12 Month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Months Certificate
$0
3.07%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Months Certificate Accounts
$0
3.07%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
12 month CD
$1,000
3.05%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$10,000
3.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month Flex Certificate Accounts
$500
2.95%
▼
Rate2.91%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 12 Month Flex
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
12 Month Student
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedMay 23, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 12 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
12 Month Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
Youth 12 Months
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 12 months
$1,000
2.51%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 12 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
North Powder 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 Months Certificate Reward Tier 2
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month SEP IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA Certificates
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month Money Builder Certificates (Add on Certificates)
$25
3.35%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 Months Certificate Reward Tier 1
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Mo Certificate - Regular, IRA, ESA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 18 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 Months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
18 Month Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
18 Month Share Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
18 Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Oregon Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.17%
18-month regular certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 18-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 18 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 18 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
18 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 18 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Commercial Certificate Account
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Certificate Account
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Certificate Accounts
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$50,000
2.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 18 Months
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 18 months
$1,000
2.56%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 18 months
$1,000
2.36%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 months
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 18 months
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Months Share Certificate
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificate
$100
1.95%
▼
Rate1.94%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 18 Months
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate Accounts 18 Months
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
North Powder 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12- to 24-month certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 1/2 Year IRA
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 1/2 Year IRA Certificates
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 1/2 Year SEP IRA
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregon Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.17%
24-month regular certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
24 Month Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
24 Month Share Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 24 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
24 Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 24 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 24 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Years Long Term Certificates
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
24 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 2 Years
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 2 1/2 Years
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 1 1/2 Years
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 1/2 Years Long Term Certificates
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 1/2 Years Long Term Certificates
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Certificate Accounts
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 24 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 Months Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 Months Certificate Accounts
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 24 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Commercial Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
24 Month Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 Months Bump Certificates
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Bump Certificates 24 Months
$2,500
2.70%
▼
Rate2.66%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 24 Months
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 24 months
$1,000
2.61%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$50,000
2.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
24 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 24 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 24-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 2 Years
$50,000
2.50%
▼
Rate2.48%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Bump Certificates 24 Months
$500
2.45%
▼
Rate2.42%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 24 months
$1,000
2.41%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
North Powder 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregon Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.17%
36-month regular certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
36 Month Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
36 Month Share Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 36 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
36 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
36 Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 36 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 36 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 36 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Certificate Accounts
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Commercial Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 36 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Months Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Months Certificate Accounts
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Year Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 36 Months
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 3 Years
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 36 months
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Months Bump Certificates
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Bump Certificates 36 Months
$2,500
2.63%
▼
Rate2.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Year Certificate
$50,000
2.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Years Long Term Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 3 Years
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
36 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 36 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Year Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 36-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 3 Years
$10,000
2.50%
▼
Rate2.48%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Year Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 36 months
$1,000
2.45%
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 months
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 36 months
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 Year IRA Term Share Special
$50,000
2.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 Year IRA Term Share Special
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Year IRA Certificate
$100
2.30%
▼
Rate2.28%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Months Share Certificate
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 3 Years
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Kaiperm Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3-Year Certificate of Deposit (CD)
$0
1.90%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 36 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Powder 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48 Months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
IRA Certificates 48 Months
$0
3.18%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
48 Month Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
48 Month Share Certificate
$15,000
3.05%
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
48 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
48 Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 48 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 48 Month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Months Certificate
$0
2.97%
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Months Certificate Accounts
$0
2.97%
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 48 Months
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Commercial Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 48 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 4 Years
$50,000
2.85%
▼
Rate2.82%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Certificate Accounts
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 48 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Bump Certificates 48 Months
$2,500
2.77%
▼
Rate2.73%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Months Bump Certificates
$0
2.77%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 48 months
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$50,000
2.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 4 Years
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Mo Certificate - Regular, IRA, ESA
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA / ESA 48-Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 48 months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 4 Years
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Years Long Term Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 months
$1,000
2.45%
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 48 months
$1,000
2.45%
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
4 Year Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Months Share Certificate
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 4 Years
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
4 Year IRA Certificate
$100
2.35%
▼
Rate2.33%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48-Month Certificates of Deposit
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Evergreen Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
48 month CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 48 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate Accounts 48 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
North Powder 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500.00 Minimum Opening Deposit
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 60 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
60 Month Certificate
$15,000
3.15%
▼
Rate3.10%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
60 Month Share Certificate
$15,000
3.15%
▼
Rate3.10%
Min Deposit$15,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
60 Month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
60 Month Share Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA 60 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★Texas Ratio: 0.90%
IRA Certificate 60 Month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.68%
Certificates/IRA Certificates 60 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 5 Years
$50,000
2.95%
▼
Rate2.92%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
60 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Commercial Certificate Account
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA 60 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
5 Year Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 60 months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Must qualify for OnPoint Rewards.
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Certificate Accounts
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Certificate Accounts 60 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 5 Years
$10,000
2.70%
▼
Rate2.67%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
5 Year Certificate
$50,000
2.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit 60 months
$1,000
2.55%
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Business Certificates of Deposit 60 months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit 5 Years
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Heritage Grove Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Months Share Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
5 Year Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year IRA
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 Mo Certificate - Regular, IRA, ESA, Optima Club
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60 months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business 60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$500 - $74,999.99
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Long Term Certificates 5 Years
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Years Long Term Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year SEP IRA
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year IRA Certificates
$0
2.50%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
5 Year Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5 Year IRA Certificate
$100
2.40%
▼
Rate2.38%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5-Year Certificates of Deposit
$500
1.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificate Accounts 60 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate Accounts 60 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
North Powder, OR CD Rate Trends
Compare local North Powder, 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.
12-Month CD — OR Avg
2.518%
▲ 0.007 vs 7 days ago
Oregon 12-month CD rates rose 0.007 points over the past 7 days to 2.518% APY.
6-Month CD — OR Avg
2.407%
▲ 0.013 vs 7 days ago
Oregon 6-month CD rates rose 0.013 points over the past 7 days to 2.407% APY.
As of May 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OR CD Rate Forecast — Next 12 Months
Where are Oregon CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OR 12-Month Avg APY
2.518%
6-Month Forecast
2.518%
Range: 2.32% – 2.67%
12-Month Forecast
2.268%
Range: 2.07% – 2.42%
Powered by
MonitorBankRates
What Your Savings Earn at OR CD Rates Today
Annual interest earnings at today’s Oregon average APYs. State average used where available; national average as fallback.
| CD Term | OR Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.689% | $84.44 | $168.87 | $422.18 | $844.35 |
| 6-Month CD | 2.407% | $120.36 | $240.72 | $601.80 | $1,203.60 |
| 12-Month CD | 2.518% | $125.88 | $251.75 | $629.38 | $1,258.75 |
| 18-Month CD | 2.526% | $126.32 | $252.63 | $631.58 | $1,263.15 |
| 24-Month CD | 2.531% | $126.57 | $253.14 | $632.85 | $1,265.70 |
| 36-Month CD | 2.475% | $123.76 | $247.51 | $618.78 | $1,237.55 |
| 48-Month CD | 2.491% | $124.57 | $249.13 | $622.83 | $1,245.65 |
| 60-Month CD | 2.494% | $124.70 | $249.40 | $623.50 | $1,247.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 31, 2026. | |||||
Sample CD Ladder for North Powder, Oregon Savers
$25,000 split equally across 5 terms using today’s Oregon average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.689% | $84.44 |
| 2 | 6-Month CD | $5,000 | 2.407% | $120.36 |
| 3 | 12-Month CD | $5,000 | 2.518% | $125.88 |
| 4 | 24-Month CD | $5,000 | 2.531% | $126.57 |
| 5 | 36-Month CD | $5,000 | 2.475% | $123.76 |
| Total ($25,000 invested) | $25,000 | 2.324% blended | $581.01/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.
333
CD Rates
Tracked in North Powder, Oregon
Tracked in North Powder, Oregon
8 Banks
27 Credit Unions
About Our North Powder, Oregon CD Rate Database
MonitorBankRates tracks 333 CD rates from 8 banks and 27 credit unions with locations in North Powder, Oregon, plus national online institutions available to Oregon residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Northwest Adventist Federal Credit Union offers a CD at 4.33% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in North Powder, Oregon.
How to Find the Best CD Rates in North Powder, Oregon
What to compare when shopping for a CD in North Powder, Oregon
To find the best APYs in North Powder, Oregon, start with credit unions and online-only banks — North Powder, Oregon has 27 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 North Powder, 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 North Powder, Oregon — 35 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → North Powder, Oregon savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → North Powder, Oregon money market rates
Oregon Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
19.1%
National avg: 17.3%
Median Individual Earnings
$45,919
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$116/yr
At OR 12-mo avg 2.518% APY
19.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR 12-month CD average of 2.518%, saving 10% of the local median salary ($4,591/year) and putting it in a CD would earn an additional $116 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 North Powder, Oregon
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in North Powder, 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 North Powder, 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 North Powder, Oregon as everywhere in the U.S.
Choosing a CD Term in North Powder, 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 North Powder, Oregon savers easier access to their funds. For example, Northwest Adventist Federal Credit Union is offering its 6-Month Certificate at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Horizon Credit Union is offering its 60 Month at 3.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for North Powder, 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 North Powder, 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 North Powder, 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 North Powder, 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 North Powder, Oregon
Most CDs carry a fixed rate that is locked for the entire term, protecting a North Powder, 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 North Powder, Oregon
Are CD rates in North Powder, Oregon FDIC insured?
Yes, most established banks in North Powder, 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 North Powder, 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 North Powder, 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 North Powder, 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 North Powder, Oregon?
Here are recent top rates found for this area:
- Northwest Adventist Federal Credit Union: 4.33% APY (1-Year Certificate)
- Teamsters Council #37 Federal Credit Union: 4.00% APY (IRA / ESA 12-Month Certificate)
- Pioneer Trust Bank: 3.82% APY (6 Month TCD)
- Unitus Community Credit Union: 3.75% APY (12 Mo Certificate - Regular, IRA, ESA)
- Point West Credit Union: 3.75% APY (Save To Win Certificate of Deposit 12 months)
- Central Willamette Credit Union: 3.71% APY (Flex 12 CDx (Consumer, IRA, & Business) 12 Months)
- First Federal S&L of McMinnville: 3.65% APY (3 Month)
- Horizon Credit Union: 3.61% APY (12 Month IRA)
- HAPO Community Credit Union: 3.60% APY (6 Month Commercial Certificate Account)
- Kaiperm Northwest Federal Credit Union: 3.60% APY (1-Year Certificate of Deposit (CD))
Rates reflect recent verified offers available in North Powder, Oregon. Last Updated: May 31, 2026
CD Calculators for North Powder, Oregon
North Powder, Oregon CD Calculator
At today’s OR top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
North Powder, Oregon CD LadderOR CD rates currently range from 1.689% (3-month) to 2.475% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a North Powder, Oregon CD at 4.33% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOregon’s average 12-month CD is 2.518% 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 North Powder, 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 North Powder, 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 North Powder, 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: May 31, 2026
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