Best 6-Month CD Rates in Oregon, OR

You are viewing rates from banks across Oregon

Below are the best six-month CD Rates from banks with branches in Oregon. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

OR - August 1, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Washington Trust Bank Portland Office Branch	4.76%	$500	-	Learn More
Rate History: 4.08% → 4.76%
Tami Phillips \| Aug 15, 2019 I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More Reviews (1)
ableBanking, a division of Northeast Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Finworth	4.50%	$50,000	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.50% → 4.30% → 4.50%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Bread Savings, a division of Bread Financial	4.45%	$1,500	-	Learn More Add Review
Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Colorado Federal Savings Bank	4.45%	$5,000	-	Learn More Add Review
Early withdrawal penalty is 3 Months' Interest. Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.41%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
My e-Banc, a division of Bradesco BAC Florida Bank	4.40% 4.25%	$50,000 $5,000	-	Learn More Add Review
6 Month Jumbo CD. Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
Merrick Bank	4.40%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Salem Five Direct	4.40% 3.75%	$10,000 $2,500	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Prime Alliance Bank	4.35%	$500	-	Learn More
Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Climate First Bank	4.34%	$500	-	Learn More
No Penalty CD. Rate History: 5.34% → 5.34% → 3.68% → 4.34%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
First Internet Bank of Indiana	4.28%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Canadian Imperial Bank USA	4.26%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days. Rate History: 4.31% → 4.26%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Gateway First Bank	4.25%	$500	-	Learn More
Rate History: 3.35% → 4.25%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
MainStreet Bank	4.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.65% → 4.55% → 4.35% → 4.25%
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bask Bank, a division of Texas Capital Bank	4.20%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Bank of Hope	4.16% 0.20%	$250,000 $1,000	-	Learn More
Rate History: 4.85% → 4.60% → 4.50% → 4.35% → 4.16%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.90%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Charles Schwab Bank, SSB	4.14%	$1,000	-	Learn More
Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Vio Bank, A Division of MidFirst Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Northwest Bank Lake Oswego Branch	4.09%	$100	-	Learn More Add Review
Rate History: 4.25% → 5.00% → 4.35% → 4.09%
IncredibleBank	4.05%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%
nonsense \| May 21, 2021 avoid this Read More
Bank5 Connect	4.00%	$500	-	Learn More Add Review
6 Month CD. Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
LendingClub	4.00%	$2,500	-	Learn More
Rate History: 5.30% → 5.00% → 4.80% → 4.00%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Banesco USA	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.00%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
TIAA Bank / Everbank	3.90%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.00% → 3.90%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.90%	$0	-	Learn More Add Review
Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
National Cooperative Bank	3.87%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
Capital One 360	3.80%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Barclays Bank Delaware	3.80%	$0	-	Learn More
Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
My Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 2.50% → 4.00% → 3.75%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Dollar Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Bank of America, National Association 82nd & Johnson Creek Branch	3.75%	$10,000	-	Learn More
Rate History: 4.00% → 3.75%
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Discover Bank	3.70%	$2,500	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 3.90% → 3.70%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Synchrony Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
WebBank	3.50%	$2,500	-	Learn More
Rate History: 0.10% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.35%	$10,000	-	Learn More Add Review
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Zions Bank Portland Br Branch	3.05%	$1,000	-	Learn More Add Review
Rate History: 4.86% → 3.05%
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Clear Sky Accounts	3.00%	$1,000	-	Learn More Add Review
Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%
ruler009 \| May 26, 2017 Before009 Read More
Bank of Whittier, National Association	2.79%	$1,000	-	Learn More Add Review
TD Bank, National Association	2.75% 0.05%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Wells Fargo Bank, National Association Broadway & Oak Branch	2.00%	$25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
JPMorgan Chase Bank, National Association Lovejoy & 23rd Avenue Branch	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Northfield Bank	0.75%	$0	-	Learn More Add Review
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Oregon Coast Bank Oregon Coast Bank Branch	0.50%	$10,000	-	Learn More Add Review
Willamette Valley Bank Silverton Branch	0.40%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of McMinnville Baker Creek Road Branch	0.36%	$10,000	-	Learn More Add Review
Heritage Bank Portland Branch	0.30% 0.25%	$25,000 $0	-	Learn More Add Review
Lewis & Clark Bank Lewis & Clark Bank Branch	0.25%	$10,000	-	Learn More Add Review
People's Bank of Commerce People's Bank Of Commerce Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Riverview Community Bank Montavilla Branch	0.20%	$100,000	-	Learn More Add Review
Beneficial State Bank Portland Branch	0.20%	$10,000	-	Learn More
Michael strubert \| Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More Reviews (1)
Purepoint MUFG Union	0.15%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Washington Federal Bank Woodburn Branch	0.15%	$1,000	-	Learn More
Rate History: 0.15% → 0.15%
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Summit Bank Summit Bank Branch	0.15%	$10,000	-	Learn More Add Review
Pioneer Trust Bank, National Association Medical Center Branch	0.15%	$10,000	-	Learn More
JM \| Jan 6, 2021 Friendly. Safe. Read More Reviews (1)
Oregon Pacific Banking Company dba Oregon Pacific Bank Coos Bay Branch Oregon Pacific Bk Co	0.15%	$100,000	-	Learn More Add Review
Bank of Eastern Oregon Fossil Branch	0.12%	$500	-	Learn More Add Review
Umpqua Bank Redmond Oregon Branch	0.10% 0.05%	$1 $0	-	Learn More
Austin \| Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More Reviews (2)
Bank of the Pacific Seaside Branch	0.10%	$10,000	-	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
First Interstate Bank Eugene Downtown Branch	0.10%	$10,000	-	Learn More
kmills \| Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More Reviews (2)
Riverview Community Bank Montavilla Branch	0.10%	$10,000	-	Learn More Add Review
Community Bank La Grande Branch	0.10%	$10,000	-	Learn More Add Review
Oregon Pacific Banking Company dba Oregon Pacific Bank Coos Bay Branch Oregon Pacific Bk Co	0.08%	$10,000	-	Learn More Add Review
KeyBank National Association Eugene Main Branch	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Citizens Bank Circle Boulevard Branch	0.05%	$100,000	-	Learn More Add Review
Clackamas County Bank Hoodland Branch	0.05%	$10,000	-	Learn More Add Review
Mechanics Bank	0.05%	$10,000	-	Learn More
kristinalouise \| Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More Reviews (1)
Baker-Boyer National Bank Milton-Freewater Branch	0.05%	$10,000	-	Learn More
Doc \| Sep 5, 2020 My investment accounts managed by them are the worst of all of my accounts. In the last 10 years any gain they have made has been offers by fees. The tag my loan account with late fees despite my on t... Read More Reviews (1)
U.S. Bank National Association 17th And Oak Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Citizens Bank Circle Boulevard Branch	0.04%	$10,000	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Lake Oswego Branch	0.01%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
Washington Trust Bank Portland Office Branch	760 Sw 9th Avenue, Suite 1900	Portland	OR
Northwest Bank Lake Oswego Branch	4900 Sw Meadows Road, Suite 410	Lake Oswego	OR
Bank of America, National Association 82nd & Johnson Creek Branch	9171 Se 82nd Ave	Happy Valley	OR
Zions Bank Portland Br Branch	1211 Sw 5th Avenue, Suite 1250	Portland	OR
Wells Fargo Bank, National Association Broadway & Oak Branch	99 East Broadway	Eugene	OR
JPMorgan Chase Bank, National Association Lovejoy & 23rd Avenue Branch	950 Nw 23rd Avenue	Portland	OR
Oregon Coast Bank Oregon Coast Bank Branch	909 Se Bay Boulevard	Newport	OR
Willamette Valley Bank Silverton Branch	701a Mcclaine Street	Silverton	OR
First Federal Savings and Loan Association of McMinnville Baker Creek Road Branch	350 Ne Baker Creek Road	Mcminnville	OR
Heritage Bank Portland Branch	1001 Sw 5th Avenue, Suite 250	Portland	OR
Heritage Bank Portland Branch	1001 Sw 5th Avenue, Suite 250	Portland	OR
Lewis & Clark Bank Lewis & Clark Bank Branch	1900 Mcloughlin Blvd Ste 67	Oregon City	OR
People's Bank of Commerce People's Bank Of Commerce Branch	1311 East Barnett Road, Suite 101	Medford	OR
Riverview Bank Montavilla Branch	9415 Se Stark Street	Portland	OR
Beneficial State Bank Portland Branch	1101 Sw Washington Street	Portland	OR
Washington Federal Bank Woodburn Branch	999 North Cascade Drive	Woodburn	OR
Summit Bank Summit Bank Branch	96 East Broadway	Eugene	OR
Pioneer Trust Bank, National Association Medical Center Branch	1190 Oak Street, S.E.	Salem	OR
Oregon Pacific Banking Company dba Oregon Pacific Bank Coos Bay Branch Oregon Pacific Bk Co	915 S. First St.	Coos Bay	OR
Bank of Eastern Oregon Fossil Branch	555 First Street	Fossil	OR
Umpqua Bank Redmond Oregon Branch	948 Sw 9th Street	Redmond	OR
Bank of the Pacific Seaside Branch	761 Ave G	Seaside	OR
First Interstate Bank Eugene Downtown Branch	899 Pearl Street	Eugene	OR
Riverview Bank Montavilla Branch	9415 Se Stark Street	Portland	OR
Community Bank La Grande Branch	904 Adams Avenue	La Grande	OR
Oregon Pacific Banking Company dba Oregon Pacific Bank Coos Bay Branch Oregon Pacific Bk Co	915 S. First St.	Coos Bay	OR
Umpqua Bank Redmond Oregon Branch	948 Sw 9th Street	Redmond	OR
KeyBank National Association Eugene Main Branch	975 Oak Street	Eugene	OR
Citizens Bank Circle Boulevard Branch	978 N.W. Circle Boulevard	Corvallis	OR
Clackamas County Bank Hoodland Branch	67430 E. Highway 26	Welches	OR
Baker-Boyer National Bank Milton-Freewater Branch	320 North Columbia Street	Milton Freewater	OR
U.S. Bank National Association 17th And Oak Branch	99 East 17th Avenue	Eugene	OR
Citizens Bank Circle Boulevard Branch	978 N.W. Circle Boulevard	Corvallis	OR
First-Citizens Bank & Trust Company Lake Oswego Branch	8 Centerpointe Drive	Lake Oswego	OR

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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6 Month Branch Certificates of Deposit 2025

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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