Vale, Oregon CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Vale, Oregon CD rates include Rogue Credit UnionRogue Credit Union250 10th St N, Vale, OR 97918A+5.0 ★Texas Ratio: 4.58%Real return: +0.65%APY minus CPI (February 2026) offering 60 Month at 3.45% APY, 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, Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.46%Real return: +1.07%APY minus CPI (February 2026) offering 24 Month IRA at 3.87% APY, and 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. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
Vale has 7 local institutions in our database, with CD rates as high as 3.45% APY from Rogue Credit Union at 250 10th St N, Vale, OR 97918. 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 — 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: July 11, 2026
Compare Best CD Rates in Vale, Oregon & the Surrounding Area
Vale 3 Month CD Rates
Compounding: Quarterly
Member Perks APY: 1.25%
Member Perks APY: 1.25%
Member Perks Rate: 1.246%, Member Perks APY: 1.25%
Dividends Paid: At Maturity
Relationship APY 0.06%.
Relationship Interest Rate 0.06%
Relationship APY 0.06%.
Vale 6 Month CD Rates
Compounding: Monthly**
Compounding: Monthly**
Compounding: Quarterly
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Tier 1: 3.211% Dividend Rate with Certificate Reward; Tier 2: 3.455% Dividend Rate with Certificate Reward; Tier 1: 3.25% APY with Certificate Reward; Tier 2: 3.50% APY with Certificate Reward
At maturity, the 8-Month Spring into Summer CD Special will renew into this CD at the prevailing rate.
Interest Computation Method: Compounded; Interest Period: Monthly
Member Perks APY: 2.10%
Member Perks APY: 2.10%
Member Perks Rate: 2.087%, Member Perks APY: 2.10%
Dividends Paid: At Maturity
Relationship APY 0.06%.
Relationship Interest Rate 0.06%
Relationship Interest Rate 0.06%; Relationship APY 0.06%
Relationship APY 0.06%.
Vale 12 Month CD Rates
As Low As
Dividends Paid: At Maturity
Lock in 3.20% APY* and Grow with Confidence. Grow your savings with a 12-month Share Certificate and earn steady returns with simple terms. Add more anytime and keep your money working harder.
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Compounding: Quarterly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
At maturity, the 15-Month Summer Special CD will renew into this CD at the prevailing rate.
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks Rate: 2.727%, Member Perks APY: 2.75%
Dividends Paid: At Maturity
Interest Computation Method: Compounded; Interest Period: Monthly
Relationship Interest Rate 1.51%
Relationship Interest Rate 1.50%; Relationship APY 1.51%
Relationship APY 1.51%.
Relationship APY 1.50%.
Interest Computation Method: Compounded; Interest Period: Monthly
Vale 18 Month CD Rates
Special certificate offer
Tier 1: 3.309% Dividend Rate with Certificate Reward; Tier 2: 3.552% Dividend Rate with Certificate Reward; Tier 1: 3.35% APY with Certificate Reward; Tier 2: 3.60% APY with Certificate Reward
Compounding: Monthly**
Compounding: Quarterly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Interest Computation Method: Compounded; Interest Period: Monthly
Vale 24 Month CD Rates
With .25% Bonus**
With .25% Bonus*
Compounding: Monthly**
Compounding: Quarterly
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks Rate: 2.727%, Member Perks APY: 2.75%
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Dividends Paid: Annually
Interest Computation Method: Compounded; Interest Period: Monthly
Vale 36 Month CD Rates
With .25% Bonus*
With .25% Bonus**
Member Perks APY: 2.75%
Member Perks Rate: 2.727%, Member Perks APY: 2.75%
Member Perks APY: 2.75%
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Dividends Paid: At Maturity
Interest Computation Method: Compounded; Interest Period: Monthly
Vale 48 Month CD Rates
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Interest Computation Method: Compounded; Interest Period: Monthly
Vale 60 Month CD Rates
Member Perks Rate: 2.727%, Member Perks APY: 2.75%
Member Perks APY: 2.75%
Member Perks APY: 2.75%
Balance: $500 - $74,999.99; Dividend Compounded and Credited: Monthly
Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details.
Interest Computation Method: Compounded; Interest Period: Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Vale, OR CD Rate Trends
Compare local Vale, OR CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Oregon 12-month CD rates fell 0.325 points over the past 7 days to 2.020% APY.
Oregon 6-month CD rates fell 0.580 points over the past 7 days to 1.015% APY.
OR CD Rate Forecast — Next 12 Months
Where are Oregon CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at OR CD Rates Today
Annual interest earnings at today’s Oregon average APYs. State average used where available; national average as fallback.
| CD Term | OR Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.289% | $14.43 | $28.85 | $72.13 | $144.25 |
| 6-Month CD | 1.015% | $50.74 | $101.48 | $253.70 | $507.40 |
| 12-Month CD | 2.020% | $100.99 | $201.97 | $504.93 | $1,009.85 |
| 18-Month CD | 2.527% | $126.33 | $252.65 | $631.63 | $1,263.25 |
| 24-Month CD | 2.490% | $124.52 | $249.04 | $622.60 | $1,245.20 |
| 36-Month CD | 2.474% | $123.71 | $247.42 | $618.55 | $1,237.10 |
| 48-Month CD | 2.632% | $131.61 | $263.21 | $658.03 | $1,316.05 |
| 60-Month CD | 1.625% | $81.27 | $162.54 | $406.35 | $812.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 11, 2026. | |||||
Sample CD Ladder for Vale, Oregon Savers
$25,000 split equally across 5 terms using today’s Oregon average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.289% | $14.43 |
| 2 | 6-Month CD | $5,000 | 1.015% | $50.74 |
| 3 | 12-Month CD | $5,000 | 2.020% | $100.99 |
| 4 | 24-Month CD | $5,000 | 2.490% | $124.52 |
| 5 | 36-Month CD | $5,000 | 2.474% | $123.71 |
| Total ($25,000 invested) | $25,000 | 1.658% blended | $414.39/yr | |
Ladder example uses equal $5,000 rungs and Oregon average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Vale, Oregon
About Our Vale, Oregon CD Rate Database
MonitorBankRates tracks 176 CD rates from 10 banks and 17 credit unions with locations in Vale, 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: Rogue Credit Union offers a CD at 3.45% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Vale, Oregon.
How to Find the Best CD Rates in Vale, Oregon
What to compare when shopping for a CD in Vale, Oregon
To find the best APYs in Vale, Oregon, start with credit unions and online-only banks — Vale, Oregon has 17 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 Vale, 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 Vale, Oregon — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Vale, Oregon savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Vale, Oregon money market rates
Vale, Oregon Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
18.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR 12-month CD average of 2.020%, saving 10% of the local median salary ($3,143/year) and putting it in a CD would earn an additional $63 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 Vale, 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 Vale, 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 Vale, 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 Vale, Oregon as everywhere in the U.S.
Choosing a CD Term in Vale, 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 Vale, Oregon savers easier access to their funds. For example, Rogue Credit Union is offering its 6 Month at 3.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rogue Credit Union is offering its 60 Month at 3.45% 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 Vale, 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 Vale, 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 Vale, 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 Vale, 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 Vale, Oregon
Most CDs carry a fixed rate that is locked for the entire term, protecting a Vale, 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 Vale, Oregon
Are CD rates in Vale, Oregon FDIC insured?
Do I have to pay state taxes on CD interest in Vale, Oregon?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Vale, Oregon?
- Rogue Credit Union: 3.45% APY (60 Month)
- 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)
- Horizon Credit Union: 3.87% APY (24 Month IRA)
- Pioneer Trust Bank: 3.82% APY (6 Month TCD)
- Oregon State Credit Union: 3.75% APY (18-Month Bump Certificate)
- First Federal S&L of McMinnville: 3.65% APY (3 Month)
- Kaiperm Northwest Federal Credit Union: 3.60% APY (1-Year Certificate of Deposit (CD))
- M&T Bank: 3.60% APY (18-Month M&T Select CD)
- Rivermark Community Credit Union: 3.50% APY (6 Month Certificate)
CD Calculators for Vale, Oregon
At today’s OR top rate of 3.45% APY, a $10,000 deposit earns $345 in the first year. Enter your amount to see your exact return.
Vale, Oregon CD LadderOR CD rates currently range from 0.289% (3-month) to 2.474% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Vale, Oregon CD at 3.45% 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 2.020% 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 Vale, 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 Vale, 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 Vale, 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.
