Newport, Oregon Money Market Rates for October 2026
Brian McKay
Brian McKay
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Newport, Oregon money market account rates range from 0.05% to 4.05% APY, verified by MonitorBankRates as of October 31, 2026. Current Newport, Oregon and the surrounding area money market deposit account rates include Oregon Coast Bank OCBOregon Coast Bank OCB909 Se Bay Blvd, Newport, OR 97365B+4.8 ★Texas Ratio: 17.24%Real return: +0.35%APY minus 3.7% CPIRate verified Oct 31, 2026 Community Maritime Money Market at 4.05% APY, US BankUS Bank301 E Main St, Newport, TN 37821A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Elite Money Market Account at 3.40% APY, 1st Security Bank of Washington1st Security Bank of Washington506 Southwest Coast Highway, Newport, OR 97365A+5.0 ★Texas Ratio: 4.31%Real return: -0.55%APY minus 3.7% CPIRate verified Oct 28, 2026 1st Rate Money Market at 3.15% APY, WaFd BankWaFd Bank224 S Washington Ave, Newport, WA 99156A+5.0 ★Texas Ratio: 4.48%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 31, 2026 High Yield Money Market at 2.00% APY, and Oregon State Credit UnionOregon State Credit Union1923 N Coast Hwy, Newport, OR 97365A+5.0 ★Texas Ratio: 3.40%Real return: -1.95%APY minus 3.7% CPIRate verified Oct 30, 2026 Investor's Money Market at 1.75% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Newport has 7 local institutions in our database, with money market rates as high as 4.05% APY from Oregon Coast Bank OCB at 909 Se Bay Blvd, Newport, OR 97365. Use the table below to compare all available offers, including options from institutions serving the broader Oregon area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Newport, Oregon and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Newport, Oregon & the Surrounding Area
Balance: $1,000,000.00+; APY: Current GIP** + 0.05%
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $1,000,000.00+
Balance: $1,000,000.00+
Balance: $100,000.00 and greater; Minimum daily balance to avoid service charge: $100,000; Minimum opening deposit requires $50,000 in new money (funds from another institution) and can be combined with other funds on deposit at the bank
Balance: $750,000.00 - $999,999.99
Balance: $750,000.00 - $999,999.99
Balance: $750,000.00 - $999,999.99
Balance: $500,000.00 - $749,999.99
Balance: $500,000.00 - $749,999.99
Balance: $500,000.00 - $749,999.99
Balance: $500,000 +; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $500,000 +; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $1,000,000 and greater; Minimum daily balance to avoid service charge: $1,500
Balance: $1,000,000 and greater; Minimum daily balance to avoid service charge: $1,500
Balance: $100,000 and more
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $250,000 - $499,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $250,000 - $499,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $90,000 - $249,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $90,000 - $249,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $250,000-$999,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $250,000-$999,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $50,000 - $99,999
- Oct 14, 20261.50%▼ from 1.75%
- Oct 10, 20261.75%first recorded
Balance: $25,000 - $49,999
- Oct 14, 20261.30%▼ from 1.50%
- Oct 10, 20261.50%first recorded
Balance: $100,000-$249,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $10,000 - $24,999
- Oct 14, 20261.20%▼ from 1.30%
- Oct 10, 20261.30%first recorded
Balance: $0.01 - $1,000.00
- Oct 19, 20261.15%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Balance: $1,000.01 - $5,000.00
Balance: $100,000.00 and greater; Effective date: April 1, 2025
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: Any Balance
Balance: Any Balance
Balance: Any Balance
Balance: $100,000-$249,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $100,000 and greater; Minimum daily balance to avoid service charge: $1,500
Balance: $50,000.00 - $99,999.99; Effective date: April 1, 2025
Balance: $25,000 - $49,999.99; Effective date: April 1, 2025
Balance: $90,000 +; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $25,000-$99,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $10,000.00 - $24,999.99; Effective date: April 1, 2025
Balance: $1,000 - $89,999; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $5,000.01 - $10,000.00
Balance: $1,000.00 minimum daily balance to earn dividends
Balance: $5,000-$99,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $50,000-$99,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $10,000-$24,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $5,000-$49,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: up to $4,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: up to $9,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $1,500+; Minimum Monthly Balance: $1,500; Balance Method: Daily; Compounded/Credited: Monthly; Rates effective October 22, 2026
Balance: $1,500 and over; Balance Method: Daily; Compounded/Credited: Monthly; Minimum to Earn APY: $1,500+; Minimum Monthly Balance: $1,500; APY effective October 22, 2026 and subject to change
Balance: up to $4,999.99; Minimum daily balance to avoid service charge: $1,500
Balance: $0-$1,499.99; Minimum Monthly Balance: $0.01; Balance Method: Daily; Compounded/Credited: Monthly; Rates effective October 22, 2026
Balance: $0 - $1,499.99; Balance Method: Daily; Compounded/Credited: Monthly; Minimum to Earn APY: $0-$1,499.99; Minimum Monthly Balance: $0.01; APY effective October 22, 2026 and subject to change
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
Balance: $15,000 +; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge
Balance: $10,000.01 - $50,000.00
Balance: $0.00 - $9,999.99; Interest Compounded & Credited: Monthly; Minimum Daily Balance to Earn Interest: $0.01
Balance: $0.00 - $9,999.99; Minimum Daily Balance to Earn Interest: $0.01; Interest Compounded Monthly; Interest Credited Monthly
Balance: $0.00 - $9,999.99; Interest Compounded & Credited: Monthly
- Sep 18, 20260.10%▼ from 1.04%
- Sep 14, 20261.04%first recorded
Balance: $50,000.01 - $100,000.00; Interest Compounded & Credited: Monthly; Minimum Daily Balance to Earn Interest: $0.01
Balance: $100,000.01 - $250,000.00
Balance: $250,000.01 and greater
Balance: $250,000 - $499,999.99
Balance: $500,001 and greater
Balance: $0 - $250,000.00; Available to nonprofit organizations registered with the Oregon or Washington Secretary of State or with proof of IRS tax exempt status; Interest compounded and credited monthly; No monthly fee
Balance: $1,000,000+; Minimum to Open $10,000.00
Balance: $500,000.000+
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $100,000.00 - $249,999.99
Balance: $250,001 - $500,000
$250,000+; Balance: $250,000.00 and over; Member Perks APY (requires Member Perks)
Balance: $1,000,000.00 and over
Balance: $500,000 and above; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Balance: $5,000,000 & Above
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $500,000-$999,999.99; Minimum to Open $10,000.00
Balance: $100,000 - $249,999.99
Balance: $1,000,000 - $2,499,999.99
Up to 3.00% APY on entire money market account balance; minimum balances start at $500; up to 6 withdrawals per month
Balance: $250,000 - $499,999.99; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Balance: $10,000 and over; Available to business memberships only; Minimum opening deposit of $10,000 must come from an institution other than Rivermark (New Money); Interest compounded daily and credited monthly
Balance: Minimum Balance $500,000
As high as; APY effective 07/01/2026; No minimum balance required to earn the APY; Automatic rate hikes at higher balance tiers
Balance: $100,000 and above; Dividends are paid monthly and calculated on average daily balance
Balance: $1,000,000 - $4,999,999.99
Balance: $25,000.00 - $99,999.99
Balance: Over $250,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Newport, OR Money Market Rate Trends
Compare local Newport, OR money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Oregon high-yield MMA rates rose 0.011 points over the past 7 days to 3.025% APY.
Oregon standard MMA rates fell 0.092 points over the past 7 days to 0.691% APY.
Newport, Oregon Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current OR high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current OR high-yield money market average of 3.025% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Newport, Oregon.
Money Market Account Earnings in Newport, Oregon
Annual interest earnings at current OR average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.025% APY) | Monthly Earnings | Standard MMA (0.691% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $302.49 / year | $25.21 | $69.13 / year | $5.76 |
| $25,000 | $756.23 / year | $63.02 | $172.83 / year | $14.40 |
| $50,000 | $1,512.45 / year | $126.04 | $345.65 / year | $28.80 |
| $100,000 | $3,024.90 / year | $252.08 | $691.30 / year | $57.61 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Newport, Oregon money market rate averages as of October 31, 2026. | ||||
About Our Newport, Oregon Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Newport (4 banks, 3 credit unions), plus 23 additional state-chartered and national online institutions available to Newport residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Oregon Coast Bank OCB offers a money market account at 4.05% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Newport, Oregon.
How to Find the Best Money Market Rates in Newport, Oregon
What to compare when shopping for a money market account in Newport, Oregon
To find the best money market APYs in Newport, Oregon, start with credit unions and online-only banks: Newport, Oregon has 22 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current OR high-yield money market average is 3.025% but top local institutions are offering as high as 4.05%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Newport, Oregon high-yield money market rates currently average 3.025% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Newport, Oregon institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 30 institutions in Newport, Oregon report money market rates to our database.
- You’re among Newport, Oregon’s 30.6% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Newport, Oregon CD rates
- You don’t need check writing and want a lower minimum Newport, Oregon savings rates
- You need daily transaction access Newport, Oregon checking rates
Newport, Oregon Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
30.6% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; an unemployment rate of 7.3% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s OR high-yield money market average of 3.025%, saving 10% of the local median salary ($3,040/year) would earn an additional $92 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Newport, Oregon Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Newport, Oregon.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current OR Avg APY | 3.025% | View Savings Rates | 0.691%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Newport, Oregon averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Newport, Oregon Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Newport, Oregon rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Newport, Oregon
At OR’s top money market rate of 4.05% from Oregon Coast Bank OCB, a $10,000 deposit earns $405 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Newport, Oregon earner is roughly $7,600. At 3.025% APY in a money market account, saving $630/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountOregon’s high-yield money market average is 3.025% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Newport, Oregon earner makes $30,402/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.025% APY.
Retirement PlannerA $25,000 money market balance earning 3.025% APY grows to roughly $45,372 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newport, Oregon money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Newport, Oregon directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Newport, Oregon. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in OR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Newport, Oregon
What are money market account rates in Newport, Oregon today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Newport, Oregon safe?
How often do MMA rates change in Newport, Oregon?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Newport, Oregon?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Newport, Oregon for money market accounts?
Best Money Market Rates in Newport, Oregon
- Oregon Coast Bank OCB
Community Maritime Money Market: 4.05% APY - US Bank
Elite Money Market Account: 3.40% APY - 1st Security Bank of Washington
1st Rate Money Market: 3.15% APY - WaFd Bank
High Yield Money Market: 2.00% APY - Oregon State Credit Union
Investor's Money Market: 1.75% APY
Newport, Oregon Rates & Resources
