Bend, Oregon Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Bend, Oregon savings account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Bend, Oregon and the surrounding area include WaFd BankWaFd Bank572 Sw Bluff Dr, Bend, OR 97702A+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, SELCO Community Credit UnionSELCO Community Credit Union501 NE Bellevue Dr, Bend, OR 97701A+5.0 ★Texas Ratio: 1.92%Real return: +2.20%APY minus 2.8% CPI (February 2026) Cultivate High-Yield Savings at 5.00% APY, OnPoint Community Credit UnionOnPoint Community Credit Union61276 S Highway 97 Ste 100, Bend, OR 97702A+5.0 ★Texas Ratio: 4.12%Real return: +0.95%APY minus 2.8% CPI (February 2026) Member Savings at 3.75% APY, US BankUS Bank1025 Nw Bond St, Bend, OR 97703A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, and Wells FargoWells Fargo960 Nw Wall St, Bend, OR 97703A+5.0 ★Texas Ratio: 5.36%Real return: -2.75%APY minus 2.8% CPI (February 2026) Platinum Savings at 0.05% APY.
Bend has 38 local institutions in our database, with savings rates as high as 5.00% APY from WaFd Bank at 572 Sw Bluff Dr, Bend, OR 97702. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Bend, Oregon and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Bend, Oregon & Surrounding Communities
Balance: $0 - $500. Checking account required to open
Balance: $0.00 - $999.99; Minimum Opening Balance:; Minimum Required Balance:
Balance: $0.00 - $499.99; Minimum Required Balance: $5
Balance: $0 - $1,000; Minimum balance: $5; Monthly service fee if below minimum balance: No monthly fee
- Oct 9, 20263.75%▲ from 3.50%
- Sep 29, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Qualifications Required; Balance: $0 - $100,000; Sweep account, Maximum Program Deposit Amount $250,000.00; One account per member/TIN
- Oct 9, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $1,000 - $49,999.99; Minimum Opening Balance:; Minimum Required Balance:
Balance: $500 - $999.99; Minimum Required Balance: $5
- Oct 13, 20263.00%▼ from 5.00%
- Sep 29, 20265.00%▲ from 3.00%
- Sep 22, 20263.00%first recorded
Balance: $500.01 - $1000. Checking account required to open
Qualifications Required; Balance: $100,000.01 and higher; Sweep account, Maximum Program Deposit Amount $250,000.00; One account per member/TIN
- Oct 9, 20262.25%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Balance: $50,000 and over; Minimum Opening Balance:; Minimum Required Balance:
Balance: $10,000 +; No monthly service charge on Business Savings Account
Balance: $10,000 +; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Balance: $10,000 and over; Minimum Required Balance: $5
Balance: $10,000 and over; Minimum Required Balance: $5
Qualifications Required; Balance: $0 - $49,999.99; Must qualify for OnPoint Rewards; Monthly service fee: No monthly fee if below minimum balance
Balance: $0 - $49,999.99; Minimum balance: $0; Additional products and services are required to qualify
Balance: $2,500 - $9,999.99; No monthly service charge on Business Savings Account
Balance: $2,500 - $9,999.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Balance: $2,500 - $9,999.99; Minimum Required Balance: $5
Balance: $2,500 - $9,999.99; Minimum Required Balance: $5
Balance: $500 - $2,499.99; Accounts do not earn dividends when balance is below $500; No monthly service charge on Business Savings Account; Business Membership Savings Account must maintain a $5 balance
Balance: $500 - $2,499.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Balance: $500 - $2,499.99; Minimum Required Balance: $5
Balance: $1,000 - $2,499.99; Minimum Required Balance: $5
- Oct 13, 20260.20%▼ from 3.00%
- Sep 29, 20263.00%▼ from 5.00%
- Sep 22, 20265.00%first recorded
Balance: $0.00 and higher; Minimum balance: $0; Monthly service fee if below minimum balance: No monthly fee
$100 minimum balance to waive $10 monthly service charge
Balance: $1000 +. Checking account required to open
Balance: $1,000.01 and higher; Monthly service fee if below minimum balance: No monthly fee
Balance: $0.00 and higher; Minimum balance: $0; Monthly service fee if below minimum balance: No monthly fee
Balance: $0 - $499.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Balance: $0.00 - $499.99; Minimum Required Balance: $5
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
Balance: $0 - $1,000
Balance: $0.00 - $500.00; No minimum balance or deposit necessary; Only one account per primary membership; Get a 0.25% APY boost when paired with any OCCU checking account
Balance: $0.00 - $500.00; Premium rate on first $500; Balances above $500 earn 0.25% APY; APY effective 07/01/2026; No minimum balance required to earn APY; STCU membership required
on the first $5,000
Balance: $0-$5,000
Qualifications Required: Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month; Optimum Savings; The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.; $0 maintenance service charge requirements: Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month
Balance: $0-$5,000; Must be opened at a branch. To open this account the customer must maintain an active 1st Gold Student Checking account with 1st Security Bank.
Available only with Unitus Checking; Rate effective 12/12/25; 5 deposited for each debit purchase of $5.00 and up; opt-in round-up available
Balance: $0 - $1000; Blended rate: statement displays a weighted average of the two balance-tier rates; First-year earnings based on a 12-month average; Limit of one account per member
Balance: $0.00 - $2,499.99; Skipper Savings**
Balance: $0.00 - $2,499.99; Voyager Savings***
Balance: $0 to $2,500; Only one Boost Savings is allowed per individual. Additional conditions may apply.
Balance: $0.01 and greater; Available to new members only who have not been a member of InRoads in the last 6 months
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Non-qualifying rate 0.00% APY; New accounts receive qualifying rate for first statement cycle
Balance: $0.01 - $25,000
- Sep 18, 20264.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $0 - $1,000; APY* footnote: APY = Annual Percentage Yield
Published APY range: 3.45%-2.23%. Balance: $2,500.01 - $5,000.00; Only one account per primary membership
Balance: $100,000 and greater
Balance: $0 - $2,000; Online Only; GroveUp requires online account opening, e-Statements and digital banking registration; Only one GroveUp Account per member
Balance: $1,000,000.00 and above; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Qualifications Required; Balance up to $50,000.00; Bundle with Summit or Replenish Checking to earn bonus dividends; Member must complete a homebuyer education program; Member must qualify for and close mortgage with Horizon by Dec 31, 2030; Offer includes $2,000 lender credit for first-time homebuyers (HomeStart account open and in good standing 12+ months)
Qualifications Required; Balance: $0.01 - $15,000.00; Qualifying balance up to $15,000.00; Balances above $15,000.00 earn the standard dividend rate; Bundled with Tether Checking; electronic statements required
Balance: $0 - $30,000 (Qualified rate)
- Oct 12, 20263.00%▲ from 0.05%
- Sep 25, 20260.05%first recorded
Banner checking account required. Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account. Additional restrictions may apply. View current rates. Annual Percentage Yield (APY) accurate as of 8/20/2026. Rates may change. The interest rate tier is determined by the actual daily account balance. Monthly service charge of $10 is waived when you meet one of the following criteria during that monthly statement cycle: $5,000 minimum daily balance or $10,000 average daily combined balance for checking and savings deposit relationship. If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%. Public fund accounts not eligible.
Balance: $1,000.00 - $5,000.99
Balance: $50,000-$99,999.99
Balance: $5,001.00 - $9,999.99
Balance: $0-$49,999.99
Balance: >= $25,000
Any Balance
Balance: $0.01 +
- Sep 24, 20260.50%▲ from 0.40%
- Sep 19, 20260.40%first recorded
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.
Bend, OR Savings Rate Trends
Compare local Bend, OR savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Oregon high-yield savings rates rose 0.177 points over the past 7 days to 1.635% APY, up from 1.457%.
Oregon standard savings rates rose 0.099 points over the past 7 days to 0.908% APY, up from 0.809%.
Bend, Oregon Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current OR high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 1.635% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Bend, Oregon.
Savings Account Earnings in Bend, Oregon
Annual interest earnings at current OR average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.635% APY) | Monthly Earnings | Standard Savings (0.908% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $81.73 / year | $6.81 | $45.42 / year | $3.79 |
| $10,000 | $163.45 / year | $13.62 | $90.84 / year | $7.57 |
| $25,000 | $408.63 / year | $34.05 | $227.10 / year | $18.93 |
| $50,000 | $817.25 / year | $68.10 | $454.20 / year | $37.85 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Bend, Oregon savings rate averages as of October 14, 2026. | ||||
About Our Bend, Oregon Savings Rate Database
MonitorBankRates found 5 institutions with branches in Bend (3 banks, 2 credit unions), plus 23 additional state-chartered and national online institutions available to Bend 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: WaFd Bank offers a savings account at 5.00% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Bend, Oregon.
How to Find the Best Savings Rates in Bend, Oregon
What to compare when shopping for a savings account in Bend, Oregon
To find the best savings APYs in Bend, Oregon, start with credit unions and online-only banks: Bend, Oregon has 18 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current OR high-yield savings average is 1.635% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Bend, Oregon high-yield savings rates currently average 1.635% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Bend, Oregon institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in Bend, Oregon report savings rates to our database.
- You’re among Bend, Oregon’s 18.1% 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 Bend, Oregon CD rates
- You want check-writing flexibility Bend, Oregon money market rates
- You need daily transaction access Bend, Oregon checking rates
Bend, Oregon Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy with solid savings capacity. At today’s OR high-yield savings average of 1.635%, saving 10% of the local median salary ($4,893/year) would earn an additional $80 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Bend, Oregon Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Bend, Oregon.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OR Avg APY | 1.635% | 0.908% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Bend, Oregon averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Bend, Oregon
At OR’s top rate of 5.00% from WaFd Bank, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Bend, Oregon earner is roughly $12,200. At 1.635% APY, saving $1,020/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsOregon’s high-yield savings average is 1.635% APY, variable and always accessible. 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 Bend, Oregon earner makes $48,931/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.635% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.635% APY grows to roughly $34,575 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 Bend, Oregon savings 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 Savings Rate Data: We aggregate savings account rates for Bend, 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 savings 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 Bend, Oregon. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in OR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Bend, Oregon
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Bend, Oregon safe?
How often do savings rates change in Bend, Oregon?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Bend, Oregon?
How do I open a savings account in Bend, Oregon?
Best Savings Rates in Bend, Oregon
- WaFd Bank
Start Savings: 5.00% APY - SELCO Community Credit Union
Cultivate High-Yield Savings: 5.00% APY - OnPoint Community Credit Union
Member Savings: 3.75% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Wells Fargo
Platinum Savings: 0.05% APY
Bend, Oregon Rates & Resources
