Woodburn, Oregon Savings Rates - October 2026
Brian McKay
Brian McKay
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Woodburn, Oregon savings account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 27, 2026. The best savings rates for Woodburn, Oregon and the surrounding area include Oregon State Credit UnionOregon State Credit Union1710 Mount Jefferson Ave, Woodburn, OR 97071 3660A+5.0 ★Texas Ratio: 3.40%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 26, 2026 High-Yield Savings at 5.00% APY, US BankUS Bank2263 Country Club Rd, Woodburn, OR 97071A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 26, 2026 Bank Smartly Savings Account at 3.50% APY, Wells FargoWells Fargo1530 N Pacific Hwy, Woodburn, OR 97071A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 26, 2026 Platinum Savings - New Savings Customers at 3.25% APY, Marion And Polk Schools Credit UnionMarion And Polk Schools Credit Union1860 Newberg Hwy, Woodburn, OR 97071A5.0 ★Texas Ratio: 9.77%Real return: -0.60%APY minus 3.7% CPIRate verified Oct 26, 2026 Estate Membership Savings at 3.10% APY, and Key BankKey Bank941 N Pacific Hwy, Woodburn, OR 97071A+5.0 ★Texas Ratio: 4.81%Real return: -3.65%APY minus 3.7% CPIRate verified Oct 26, 2026 Key Select Money Market Savings - Offer One at 0.05% APY.
Woodburn has 24 local institutions in our database, with savings rates as high as 5.00% APY from Oregon State Credit Union at 1710 Mount Jefferson Ave, Woodburn, OR 97071 3660. 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 Woodburn, Oregon and the surrounding area. Last Updated and Verified: October 27, 2026
Compare the Best Savings Rates in Woodburn, Oregon & Surrounding Communities
Qualifying balance up to $1,000.00; Balance: $0 - $1000; Limit of one account per member; APY effective 10/1/2025 and subject to change
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Balance: $1,000,000 and above; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $750,000 - $999,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $500,000 - $749,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $250,000 - $499,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Balance: $10,000 - $249,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
No minimum balance to open a Health Savings Account
Dividends compounded & credited monthly
Minimum balance that must be maintained each day to earn dividends; Minimum balance to open all savings accounts is $5.00
Minimum balance to earn dividends: $5; Minimum balance that must be maintained each day to earn dividends
Minimum balance that must be maintained each day to earn dividends; Members under 18 require a parent or guardian as a joint signer; Minimum balance to open all savings accounts is $5.00
Balance: $0.00 - $2,499.99; 6-month bonus rate; blended APY; Offer Code VRMA0926; requires growing balance by $5,000
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMB1026; requires growing relationship or liquid balance by $25,000; standard or relationship rates apply after 6 months; rate may vary by booking location
California counties only; Balance: $0 or more; When linked to Premier Checking or Checking
CA Bay Area counties only; Balance: $0 or more
California counties only; Balance: $0 or more; When linked to Prime Checking or Checking
Dividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
One-time $10 membership fee; minimum balance to earn dividends and avoid service fee $100
Dividends compounded & credited: Monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Dividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
California counties only; Balance: $0 or more; Avoid $12 monthly service fee with $3,500 minimum daily balance
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
California counties only; Balance: $0 or more; $25 minimum opening deposit
Balance: $0 - $1,000
Balance: $0.00 - $500.00; Get a 0.25% APY boost when paired with any OCCU checking account; Only one account per primary membership
Balance: $0.00 - $500.00; Premium rate on first $500; APY effective 07/01/2026; Open Online; No minimum balance required to earn APY; Balances above $500 earn 0.25% APY
Balance: $0 - $500; Open Online; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open
Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
5.00% APY on the first $5,000 with Optimum Savings
Balance: $0-$5,000; Relationship account required to open; Variable rate tier
Balance: $0-$5,000; Relationship account required
Balance: $0-$5,000; Must be opened at a branch; Must maintain an active 1st Gold Student Checking account
Balance: $0 - $999.99; Minimum Opening Balance:; Minimum Required Balance:
Balance: $0 - $499.99; Minimum Required Balance: $5
Available only with Unitus Checking; restrictions may apply; rate effective 12/12/25; APY may change at any time
Qualifying loans: 5 qualifying loans; Qualifying loans include consumer loans (excluding Upstart Loans) with balances over $10,000 and up to one mortgage per tax reporting owner; $10 minimum balance required
Balance: $0.00 - $2,499.99; Youth Products; Primary owner must be 12 years or younger to be eligible; Interest rate and APY may change after account opening
Balance: $0.00 - $2,499.99; Youth Products; Primary owner must be between 13 and 24 years old to be eligible; Interest rate and APY may change after account opening
Balance: $0 to $2,500; Only one Boost Savings is allowed per individual
Balance: $0.01 and greater; Available to new members only who have not been a member of InRoads in the last 6 months; Rates may change after the account is opened
Qualifications Required; Qualifying balance up to $25,000.00; Non-qualifying rate 0.00% APY; Rates effective 3/25/26
Qualifying balance up to $999.99
Balance: $0.01 - $25,000; Disclosure 1
- Sep 18, 20264.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Qualifying loans: 4 qualifying loans; $10 minimum balance required
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $0 - $1,000; Minimum balance: $5; No monthly fee if below minimum balance
- Oct 9, 20263.75%▲ from 3.50%
- Sep 29, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Balance: $0 - $100,000; Sweep account; Requires six qualifying transactions per calendar month in an OnPoint checking account and an active OnPoint Loyalty Savings account
- Oct 9, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $0.00 - $100,000.00; Qualifying balance up to $100,000.00; then 2.25% APY on remaining balance; Six qualifying transactions per month in an OnPoint checking account required; Sweep account, Maximum Program Deposit Amount $250,000.00; One account per member/TIN
Qualifications Required; Balance: $0.00 - $100,000.00; High-Yield Tier 1 Rate; Qualifying balance up to $100,000.00; Rates current as of September 30, 2026
Balance: $0 - $1,000
Published APY range: 3.45%-2.23%. Balance: $2,500.01 - $5,000.00; Get a 0.25% APY boost when paired with any OCCU checking account; Only one account per primary membership
Balance: $100,000 and greater; Minimum daily balance to avoid service charge: $2,500
Balance: $0 - $2,000; Online account opening required; e-Statements and digital banking registration required; Only one GroveUp Account per member
Balance: $1,000 - $49,999.99; Minimum Opening Balance:; Minimum Required Balance:
Penalty for early withdrawal may apply.
Qualifications Required: Log on to online banking at least one time each calendar month; Receive at least one direct deposit or ACH credit each calendar month; Conduct a minimum of 15 debit card transactions each calendar month; Be enrolled in electronic statements; Qualifying balance up to $50,000.00; Promotional APY on balances up to $50,000; 0.05% APY paid on balances above $50,000; Bundled with Summit or Replenish Checking; $2,000 lender credit for first-time homebuyers (HomeStart account open and in good standing 12 months; must close mortgage with Horizon by Dec 31, 2030; homebuyer education program required); Rates effective as of September 28, 2026
Balance: $0.01 - $15,000.00; Bundled with Tether Checking; electronic statements required; bonus dividends require a monthly transfer of $50.00 or more from Tether Checking; balances above $15,000.00 earn the standard dividend rate
Balance: $0 - $30,000 (Qualified rate); Base Rate (non-qualified) 0.05% and $30,000.01+ Qualified rate 0.25% not extracted (blended tier rule)
- Oct 12, 20263.00%▲ from 0.05%
- Sep 25, 20260.05%first recorded
Up to 2.53% APY; Banner checking account required; minimum opening balance of $25,000 must be new money to Banner Bank; public fund accounts not eligible; relationship balance below $25,000 earns 0.25% APY per footnote; APY accurate as of 8/20/2026
Relationship account required to open
Balance: $1,000.00 - $5,000.99; Interest compounded/credited: Daily/Quarterly
Balance: $50,000-$99,999.99; Minimum daily balance to avoid service charge: $2,500
Balance: $5,001.00 - $9,999.99; Interest compounded/credited: Daily/Quarterly
Balance: $10 +; No monthly service charge; Open Online
Balance: $10 +; Savings account for minors, managed by an adult; Open Online; No monthly service charge
Balance: $10,000+
Balance: $0-$49,999.99; Minimum daily balance to avoid service charge: $2,500
Balance: under $25,000; with monthly deposit of $100 or more
Balance: Any Balance
Balance: $0.01 +; Interest Rates as of 10/21/2026
- Sep 24, 20260.50%▲ from 0.40%
- Sep 19, 20260.40%first recorded
Balance: under $25,000
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.
Woodburn, OR Savings Rate Trends
Compare local Woodburn, 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 0.256 points over the past 7 days to 2.031% APY, down from 2.287%.
Oregon standard savings rates fell 0.057 points over the past 7 days to 0.837% APY, down from 0.893%.
Woodburn, 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 2.031% 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 Woodburn, Oregon.
Savings Account Earnings in Woodburn, 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 (2.031% APY) | Monthly Earnings | Standard Savings (0.837% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $101.54 / year | $8.46 | $41.83 / year | $3.49 |
| $10,000 | $203.07 / year | $16.92 | $83.67 / year | $6.97 |
| $25,000 | $507.67 / year | $42.31 | $209.17 / year | $17.43 |
| $50,000 | $1,015.35 / year | $84.61 | $418.35 / year | $34.86 |
| 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: Woodburn, Oregon savings rate averages as of October 28, 2026. | ||||
About Our Woodburn, Oregon Savings Rate Database
MonitorBankRates found 5 institutions with branches in Woodburn (3 banks, 2 credit unions), plus 27 additional state-chartered and national online institutions available to Woodburn 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 State Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Woodburn, Oregon.
How to Find the Best Savings Rates in Woodburn, Oregon
What to compare when shopping for a savings account in Woodburn, Oregon
To find the best savings APYs in Woodburn, Oregon, start with credit unions and online-only banks: Woodburn, Oregon has 20 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 2.031% 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. Woodburn, Oregon high-yield savings rates currently average 2.031% 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 Woodburn, Oregon institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 32 institutions in Woodburn, Oregon report savings rates to our database.
- You’re among Woodburn, Oregon’s 18.7% 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 Woodburn, Oregon CD rates
- You want check-writing flexibility Woodburn, Oregon money market rates
- You need daily transaction access Woodburn, Oregon checking rates
Woodburn, Oregon Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
18.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s OR high-yield savings average of 2.031%, saving 10% of the local median salary ($3,585/year) would earn an additional $73 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Woodburn, Oregon Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Woodburn, Oregon.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OR Avg APY | 2.031% | 0.837% | 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 Woodburn, Oregon averages tracked in our database as of October 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Woodburn, Oregon
At OR’s top rate of 5.00% from Oregon State Credit Union, 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 Woodburn, Oregon earner is roughly $9,000. At 2.031% APY, saving $750/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 2.031% 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 Woodburn, Oregon earner makes $35,854/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.031% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.031% APY grows to roughly $37,373 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 Woodburn, 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 Woodburn, 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 Woodburn, 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 Woodburn, Oregon
What are savings account rates in Woodburn, Oregon today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Woodburn, Oregon safe?
How often do savings rates change in Woodburn, 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 Woodburn, Oregon?
How do I open a savings account in Woodburn, Oregon?
Best Savings Rates in Woodburn, Oregon
- Oregon State Credit Union
High-Yield Savings: 5.00% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - Marion And Polk Schools Credit Union
Estate Membership Savings: 3.10% APY - Key Bank
Key Select Money Market Savings - Offer One: 0.05% APY
Woodburn, Oregon Rates & Resources
