Fields, Oregon Savings Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Fields, Oregon and the surrounding area include Red Canoe Credit UnionRed Canoe Credit UnionA+5.0 ★Texas Ratio: 3.60%Real return: +3.20%APY minus 2.8% CPI (February 2026) Round Up Savings at 6.00% APY, Oregon Community Credit UnionOregon Community Credit UnionA-5.0 ★Texas Ratio: 13.17%Real return: +2.45%APY minus 2.8% CPI (February 2026) Ignite Savings at 5.25% APY, Spokane Teachers Credit UnionSpokane Teachers Credit UnionA+5.0 ★Texas Ratio: 3.13%Real return: +2.30%APY minus 2.8% CPI (February 2026) First5 Savings at 5.10% APY, WaFd BankWaFd BankA+5.0 ★Texas Ratio: 2.33%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, and 1st Security Bank of Washington1st Security Bank of WashingtonA+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus 2.8% CPI (February 2026) Business Optimum Savings at 5.00% APY.
Fields is a smaller community with no bank or credit union branches currently in our database. 42 institutions serving the Oregon area are available to Fields residents, with savings rates as high as 6.00% APY from Red Canoe Credit Union. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fields, Oregon and the surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Savings Rates in Fields, Oregon & Surrounding Communities
Earn 5.25% APY on the first $500 in the account. Get a 0.25% APY boost on your Ignite Savings rate when you pair it with any OCCU checking account. First-year earnings are based on a 12-month average. APY effective 4/16/2026 and subject to change.
Balances above $500 earn 0.25% APY.
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF NOVEMBER 3, 2025. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. TO OPEN THIS ACCOUNT, THE BANK REQUIRES A RELATIONSHIP ACCOUNT. RELATIONSHIP IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. VARIABLE RATE INFORMATION. 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, A BUSINESS OPTIMUM SAVINGS ACCOUNT WITH A DAILY BALANCE OF $150,000 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 $145,000.; $0-$5,000
Variable Rate Information. 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
Variable Rate Information. 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 Student 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: Maintain an active 1st Gold Student Checking account and transfer $25+ from your 1st Gold Student checking account to your Optimum Student Savings account at least once per month
First $1,000 grows at highest available rates. Your next $500 earns 3% APY.
Make a debit purchase - We'll put 5¢ into a Unitus Rewards savings account for every purchase of $5.00 and up. Round up your purchase. Available with Unitus Checking.
Our signature savings account is available for all Maps personal memberships and it's completely free! You get our highest savings interest rate and you'll earn more the longer you keep your money in the account. Deposits come from three sources: Round Up, Cashback Credit Card, Reward Bonuses. To use your Reward balance, simply transfer the amount you want from your Member Rewards savings account to your checking or savings account.
Qualifying balance up to $1,000.00
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000
Qualifications Required: Receive e-statements; Receive $1,000 or more in eligible deposits to any Rivermark Checking account with the same membership as the Loyalty Savings Account; As your balance increases, your overall APY will decrease. This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.
Balance: $0 - $1,000
Maximum Program Deposit Amount ($250,000.00) may be changed at any time. One OnPoint Premium Savings Account per member/TIN.
First-year earnings are based on a 12-month average. APY effective 4/16/2026 and subject to change.
$100,000 and greater
GroveUp requires online account opening, e-Statements and digital banking registration. See Truth In Savings Disclosure for full details. Rates subject to change. Rates are current as of August 25, 2026.
Dividends are paid monthly and calculated on average daily balance. Fees could reduce the earnings on any account. Rates subject to change. Rates are current as of August 25, 2026.
Dividends Compounded & Credited: Monthly
Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements; Listed promotional APY paid on balances up to $50,000; 0.05% APY paid on balances above $50,000. To qualify for bonus dividends, you must Bundle with a Horizon checking account (excluding - Tether and Explorer Checking). Log on to online banking at least one time each calendar month. Receive at least one direct deposit that successfully posts to an account in the membership each calendar month. C onduct a minimum of 15 debit card transactions via the checking account in each calendar month. B e enrolled in electronic statements.
Qualifications Required: Monthly electronic transfer of $50 or more from the checking account to the savings account; Sign up for online statements in digital banking; Any balance above $15,000.00 will earn the standard dividend rate. Checking account does not earn dividends.
Qualified rate
To earn the qualified Intelligent Savings Rate, you must have an Intelligent Checking Account and meet all monthly qualifiers.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Banner checking account required. Public fund accounts not eligible. 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 .
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
Average Daily Balances of: $1,000.00 - $5,000.99
$50,000-$99,999.99
Average Daily Balances of: $5,001.00 - $9,999.99
No monthly service charge.
$0-$49,999.99
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.
Fields, OR Savings Rate Trends
Compare local Fields, 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 fell 0.214 points over the past 7 days to 1.019% APY, down from 1.233%.
Oregon standard savings rates rose 0.042 points over the past 7 days to 1.084% APY, up from 1.042%.
Fields, 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 2026–2027.
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 1.019% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 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 Fields, Oregon.
Savings Account Earnings in Fields, 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 (1.019% APY) | Monthly Earnings | Standard Savings (1.084% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $50.93 / year | $4.24 | $54.21 / year | $4.52 |
| $10,000 | $101.86 / year | $8.49 | $108.42 / year | $9.04 |
| $25,000 | $254.65 / year | $21.22 | $271.05 / year | $22.59 |
| $50,000 | $509.30 / year | $42.44 | $542.10 / year | $45.18 |
| 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: Fields, Oregon savings rate averages as of August 29, 2026. | ||||
About Our Fields, Oregon Savings Rate Database
MonitorBankRates tracks savings rate offers from 22 banks and credit unions available to Fields, Oregon residents via statewide and national offers. No branch locations physically in Fields are currently in our database, but all listed offers are open to Fields depositors. 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: Red Canoe Credit Union offers a savings account at 6.00% APY. Use the rate table above to compare all current offers in Fields, Oregon.
How to Find the Best Savings Rates in Fields, Oregon
What to compare when shopping for a savings account in Fields, Oregon
To find the best savings APYs in Fields, Oregon, start with credit unions and online-only banks — Fields, 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 1.019% — but top local institutions are offering as high as 6.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Fields, Oregon high-yield savings rates currently average 1.019% APY — far above a typical checking account.
- Short-term savings goals (6–24 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 Fields, Oregon institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 22 institutions in Fields, Oregon report savings rates to our database.
- You’re among Fields, Oregon’s 19.1% 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 → Fields, Oregon CD rates
- You want check-writing flexibility → Fields, Oregon money market rates
- You need daily transaction access → Fields, Oregon checking rates
Oregon Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
19.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR high-yield savings average of 1.019%, saving 10% of the local median salary ($4,591/year) would earn an additional $47 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Fields, Oregon Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Fields, Oregon.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OR Avg APY | 1.019% | 1.084% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Fields, Oregon averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Fields, Oregon
At OR’s top rate of 6.00% from Red Canoe Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fields, Oregon earner is roughly $11,500. At 1.019% APY, saving $960/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 1.019% 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 Fields, Oregon earner makes $45,919/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 1.019% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.019% APY grows to roughly $30,617 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 Fields, 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 Fields, 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 Fields, 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 Fields, Oregon
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Fields, Oregon safe?
How often do savings rates change in Fields, 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 Fields, Oregon?
How do I open a savings account in Fields, Oregon?
Best Savings Rates in Fields, Oregon
- Red Canoe Credit Union
Round Up Savings — 6.00% APY - Oregon Community Credit Union
Ignite Savings — 5.25% APY - Spokane Teachers Credit Union
First5 Savings — 5.10% APY - WaFd Bank
Start Savings — 5.00% APY - 1st Security Bank of Washington
Business Optimum Savings — 5.00% APY
Fields, Oregon Rates & Resources
