Eugene, Oregon Savings Rates - October 2026
Brian McKay
Brian McKay
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Eugene, Oregon savings account rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Eugene, Oregon and the surrounding area include Oregon Community Credit UnionOregon Community Credit Union2880 Chad Dr, Eugene, OR 97408A5.0 ★Texas Ratio: 11.19%Real return: +2.45%APY minus 2.8% CPI (February 2026) Ignite Savings at 5.25% APY, WaFd BankWaFd Bank101 E Broadway, Eugene, OR 97401A+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 Union299 E 11th Ave, Eugene, OR 97401 3251A+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 Union207 Coburg Rd Ste 101, Eugene, OR 97401A+5.0 ★Texas Ratio: 4.12%Real return: +0.95%APY minus 2.8% CPI (February 2026) Member Savings at 3.75% APY, and US BankUS Bank800 Willamette St, Eugene, OR 97401A+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.
Eugene has 60 local institutions in our database, with savings rates as high as 5.25% APY from Oregon Community Credit Union at 2880 Chad Dr, Eugene, OR 97408. 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 Eugene, Oregon and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Eugene, Oregon & Surrounding Communities
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 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
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 U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Published APY range: 3.45%-2.23%. Balance: $2,500.01 - $5,000.00; Only one account per primary membership
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $1,000 - $49,999.99; Minimum Opening Balance:; Minimum Required Balance:
Balance: $1,000,000.00 and above; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
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: $750,000.00 - $999,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: All Balances
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: $500.01 - $1000; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
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: $500,000.00 - $749,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Published APY range: 2.23%-0.85%. Balance: $5,000.01 - $25,000.00; Only one account per primary membership
Balance: $250,000.00 - $499,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $1,000.00 - $5,000.99
Balance: $50,000 and over; Minimum Opening Balance:; Minimum Required Balance:
Balance: $10,000.00 - $249,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $5,001.00 - $9,999.99
Balance: $10 +; No monthly service charge; Open Online
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
Dividends compounded & credited monthly
Balance: $0.00 and higher; Minimum balance: $0; Monthly service fee if below minimum balance: No monthly fee
Compounded and Paid: Monthly; *Minimum Daily Balance in order to earn dividends
Balance: $100 Plus; $100 minimum to earn interest; $100 minimum balance to waive $10 monthly service charge; Open Online
Balance: $1000 +; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
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
Compounded and paid monthly; *Minimum Daily Balance in order to earn dividends; $5.00 fee per withdrawal in excess of 6 per month
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMA0926; Apply online or contact KeyBank by 11/4/2026; Requires $5,000 balance growth; Bring at least $5,000 to Key
Balance: $0.00 - $2,499.99; 6-month bonus rate; Bring at least $25,000 to Key; Offer Code VRMB0926; Apply online with this code or contact us to apply to existing account by 11/4/2026; Rate may vary by booking location; Standard or relationship rates apply after bonus period
When linked to Premier Checking; Balance: $0 or more; California Bay Area counties branches only
Balance: up to $999.99
Balance: $100,000 or more
Effective: July 1, 2026
When linked to Prime Checking; Balance: $0 or more; California Bay Area counties branches only
Balance: $10,000.00 or greater
Balance: $0 or more; Standard Interest Rates; California Bay Area counties branches only
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0 or more; Standard Interest Rate; California Bay Area counties branches only
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.
Balance: $0.00 - $2,499.99; Skipper Savings**
Balance: $0.00 - $2,499.99; Voyager Savings***
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $100,000 and greater
Balance: $50,000-$99,999.99
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.
Eugene, OR Savings Rate Trends
Compare local Eugene, 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%.
Eugene, 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 Eugene, Oregon.
Savings Account Earnings in Eugene, 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: Eugene, Oregon savings rate averages as of October 14, 2026. | ||||
About Our Eugene, Oregon Savings Rate Database
MonitorBankRates found 13 institutions with branches in Eugene (6 banks, 7 credit unions), plus 5 additional state-chartered and national online institutions available to Eugene 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 Community Credit Union offers a savings account at 5.25% APY. Use the rate table above to compare all current offers in Eugene, Oregon.
How to Find the Best Savings Rates in Eugene, Oregon
What to compare when shopping for a savings account in Eugene, Oregon
To find the best savings APYs in Eugene, Oregon, start with credit unions and online-only banks: Eugene, Oregon has 7 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 5.25%, 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. Eugene, 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 Eugene, Oregon institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 18 institutions in Eugene, Oregon report savings rates to our database.
- 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 Eugene, Oregon CD rates
- You want check-writing flexibility Eugene, Oregon money market rates
- You need daily transaction access Eugene, Oregon checking rates
Eugene, Oregon Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.8% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.6% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s OR high-yield savings average of 1.635%, saving 10% of the local median salary ($3,372/year) would earn an additional $55 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Eugene, Oregon Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Eugene, 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 Eugene, 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 Eugene, Oregon
At OR’s top rate of 5.25% from Oregon Community Credit Union, a $10,000 deposit earns $525 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Eugene, Oregon earner is roughly $8,400. At 1.635% APY, saving $700/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 Eugene, Oregon earner makes $33,722/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 Eugene, 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 Eugene, 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 Eugene, 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 Eugene, Oregon
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Eugene, Oregon safe?
How often do savings rates change in Eugene, 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 Eugene, Oregon?
How do I open a savings account in Eugene, Oregon?
Best Savings Rates in Eugene, Oregon
- Oregon Community Credit Union
Ignite Savings: 5.25% APY - 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
Eugene, Oregon Rates & Resources
