Oregon

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Credit Union CD Rates Oregon

You are viewing rates from credit unions across Oregon





Below are the best one year CD Rates from credit unions in Oregon. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

OR - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 2.27% → 4.84% → 5.25% → 4.34% → 4.07%

Rate History: 1.51% → 1.76% → 1.51% → 3.49%

Rate History: 4.45% → 4.05% → 3.60% → 3.50% → 3.35%

Rate History: 2.50% → 2.51%

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

2.10%

1.95%

$100,000

$0

-

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| May 10, 2020

You ve got this. With financial calculators, articles, FAQs and more you ll have all the resources you need to choose the right accounts and loans so you can save, spend, and borrow better. Read More

1.26%

$100,000

-

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1.00%

$10,000

-

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0.95%

$10,000

-

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0.75%

$10,000

-

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0.75%

$100,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.55%

$100,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$100,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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| Nov 11, 2021

I would like to thank Ashley in Loan Support Services at Twin Star Credit Union for all her help. In this day and age it is difficult to find someone as effective and efficient that actually goes the ex... Read More

0.40%

$10,000

-

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0.40%

$10,000

-

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0.36%

$10,000

-

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0.35%

$10,000

-

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0.35%

$100,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.30%

$10,000

-

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0.25%

$500

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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Edu


Restrictions

0.10%

$500

-

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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
CUTTING EDGE
Cutting Edge Cutting Edge Branch
4620 SE International Way #105 Milwaukie OR
INROADS
St. Helens Community St. Helens Community Branch
1720 Saint Helens Street Saint Helens OR
FIRST TECHNOLOGY
Ronler Acres Branch Ronler Acres Branch
2501 NW 229th Ave Hillsboro OR
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
2701 NW Vaughn St Portland OR
ONPOINT COMMUNITY
Onpoint Community Onpoint Community Branch
2701 NW Vaughn St Portland OR
CUTTING EDGE
Cutting Edge Cutting Edge Branch
4620 SE International Way #105 Milwaukie OR
VALLEY
Valley Health & Post Valley Health & Post Branch
2096 Mission St Se Salem OR
RIVERMARK COMMUNITY
Rivermark Community Rivermark Community Branch
8505 SW Creekside Place Beaverton OR
LINN - CO
Linn - Co Linn - Co Branch
485 2nd Street Lebanon OR
LINN - CO
Linn - Co Linn - Co Branch
485 2nd Street Lebanon OR
OPERATING ENGINEERS LOCAL UNION #3
Operating Engineers Operating Engineers Branch
805 East Berkeley Street Gladstone OR
UNITED TRADES
United Advantage Nw United Advantage Nw Branch
1430 N Killingsworth Street Portland OR
OREGON COMMUNITY
Oregon Community Oregon Community Branch
2880 Chad Dr Eugene OR
UKRAINIAN
Ukrainian Ukrainian Branch
8230 SE Harrison St portland OR
EMBOLD
Clackamas Community Clackamas Community Branch
18600 SE McLoughlin Blvd Milwaukie OR
OREGON COMMUNITY
Oregon Community Oregon Community Branch
2880 Chad Dr Eugene OR
FIBRE
Astoria Branch Astoria Branch
85 W Marine Dr Astoria OR
GATEWAY
Food Industries Food Industries Branch
3030 Gateway Loop Springfield OR
CONSOLIDATED
Consolidated Consolidated Branch
2021 NE Sandy Blvd Portland OR
SELCO COMMUNITY
Selco Community Selco Community Branch
1050 High Street Eugene OR
NORTHWEST COMMUNITY
Northwest Community Northwest Community Branch
3660 Gateway St Springfield OR
NW PRIORITY
Nw Priority Nw Priority Branch
12630 SE Division Portland OR
OREGON STATE
University Branch University Branch
148 NW 25th St Corvallis OR
PROVIDENCE
Providence Providence Branch
6400 SE LAKE RD SUITE #125 MILWAUKIE OR
ADVANTIS
Advantis Advantis Branch
10501 SE Main Street Milwaukie OR
OLD WEST
La Grande Branch La Grande Branch
3 Depot St La Grande OR
CONSOLIDATED
Consolidated Consolidated Branch
2021 NE Sandy Blvd Portland OR
RED CANOE
Red Canoe Red Canoe Branch
810 Burkhart St SE Albany OR
HAPO COMMUNITY
Weston Weston Branch
103 N Water St Weston OR
NW PRIORITY
Nw Priority Nw Priority Branch
12630 SE Division Portland OR
TEAMSTERS COUNCIL #37
Teamsters Council #3 Teamsters Council #3 Branch
1866 162nd Ave Portland OR
ROGUE
Port Orford Branch Port Orford Branch
1000 Oregon St Port Orford OR
OREGON STATE
University Branch University Branch
148 NW 25th St Corvallis OR
KAIPERM NORTHWEST
Kaiperm Northwest Kaiperm Northwest Branch
500 Ne Multnomah Ste 320 Portland OR
TWINSTAR
Wilsonville Wilsonville Branch
25375 SW PARKWAY AVE WILSONVILLE OR
CENTRAL WILLAMETTE
Central Willamette C Central Willamette C Branch
7101 Supra Dr SW Albany OR
EMERALD EMPIRE
Register Guard Emplo Register Guard Emplo Branch
850 BELTLINE RD SPRINGFIELD OR
OREGONIANS
03 - Beaverton Branch 03 - Beaverton Branch
11240 SW Allen Blvd Beaverton OR
MALHEUR
Malheur Malheur Branch
1695 SE 5th Ave Ontario OR
FIRST COMMUNITY
Grants Pass North Grants Pass North Branch
108 NE Savage St Grants Pass OR
ADVANTIS
Advantis Advantis Branch
10501 SE Main Street Milwaukie OR
MID OREGON
Mid Oregon Mid Oregon Branch
1386 NE Cushing Dr Bend OR
ROGUE
Port Orford Branch Port Orford Branch
1000 Oregon St Port Orford OR
CASCADE COMMUNITY
Cascade Community Cascade Community Branch
1123 West Harvard Avenue Roseburg OR
LEGACY
Legacy Legacy Branch
2148 NW Overton Portland OR
TRAILHEAD
Northwest Resource Northwest Resource Branch
221 NW Second Avenue, Suite 100 Portland OR
MARION AND POLK SCHOOLS
Marion And Polk Scho Marion And Polk Scho Branch
451 Division St NE Salem OR
UNITUS COMMUNITY
Unitus Community Unitus Community Branch
1300 SW 6th Avenue Portland OR
HERITAGE GROVE
Oregon Employees Oregon Employees Branch
631 Winter St NE Salem OR
WAUNA
Wauna Wauna Branch
101 South East Truhaak Clatskanie OR
FIRST COMMUNITY
Grants Pass North Grants Pass North Branch
108 NE Savage St Grants Pass OR
PACIFIC CREST
Pacific Crest Pacific Crest Branch
2972 Washburn Way Klamath Falls OR


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s  Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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