Savings
For your little one's piggy bank to your retirement nest egg, and everything in between.
- Save & Spend
- Savings
Regular Share Savings
This savings account is the basis of your membership. Every member gets one, making every member an Oregonians CU owner.
Features and Benefits
- A $5 deposit will be held for the life of your membership in this account
- Qualifies you to take advantage of our products and services
High-Yield Savings
3.75% APY* on balances up to $100,000
If you haven't guessed already, this account offers the highest rate we have on a savings account. Unlock the High-Yield Rates each month you make at least 15 debit card transactions on your Oregonians checking account.
Rates
| Rate Type | Balance | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| High-Yield Tier 1 Rate | Up to $100,000 | 3.68% | 3.75% | $0 |
| High-Yield Tier 2 Rate | Over $100,000 | 0.50% | 0.50% | $0 |
| Standard Rate | Standard Rate | 0.02% | 0.02% | $0 |
*APY = Annual Percentage Yield. Rates are variable and subject to change after account opening, without notice. Limit of one High-Yield Savings account per member (unique SSN), and per membership number (regardless of the number of joint owners or unique SSNs on the membership). Not available on business memberships. To earn the High-Yield Tier rates, you must meet your checking account's Monthly Goal:
- When Monthly Goal is met: Daily ending balances up to $100,000 earn High-Yield Tier 1 Rate. Portion of daily ending balances exceeding $100,000 earn High-Yield Tier 2 Rate, resulting in a blended APY.
- When Monthly Goal is not met: Daily ending balances earn the Standard Rate2.
- The Monthly Goal: Complete 15 or more debit card transactions1 on a High-Yield Checking or Cash Back Spend under the same membership that post and settle to your account by 6:00PM Pacific Time on the last day of the calendar month. If you have multiple checking accounts on this membership, transactions across accounts cannot be combined. Pending transactions don't count.
1Debit card transactions exclude (are not): ATM transactions, P2P transfers (like Venmo or Cash App), ACH/EFT transactions, wire transfers, currency purchases, money orders, or account-funding transactions (like Apple reloads).
Youth Savings
Our youth accounts were designed to teach your kids about finances.
First-Time Homebuyer Savings
Features and Benefits
Oregon allows a subtraction for amounts you deposit during the tax year into this account, along with any earnings on deposits. The account must be opened on or before December 31, 2026 to qualify.
- Home must be in Oregon
- Purchase must be made within 10 years of opening the account
- You can save for your own purchase, or a qualified beneficiary
- There are caps on the amount you can deposit each year
- There are restrictions on what the funds can be used for
- $150 early account closure fee if closed within 180 days
Money Market Accounts
Features and Benefits
- Earns higher interest than a standard savings account
- Withdraw money via check, digital banking, or at a branch
- The more you save the more you earn
- No monthly fee if maintain a minimum balance of $2,500
Rates
| Balance | Rate | APY* |
|---|---|---|
| Up to $2,500 | 0.71% | 0.71% |
| $2,501 - $10,000 | 0.87% | 0.87% |
| $10,001 - $25,000 | 0.95% | 0.95% |
| Over $25,000 | 1.11% | 1.12% |
*APY = Annual Percentage Yield.
Club Accounts
Club accounts are a good way to stay organized when savings for big purchases (vacation, Christmas, tax payments, etc.). Funds can only be withdrawn at the end of the savings period.
CDs
Features and Benefits
- Lock in a competitive rate for 3 months to 5 years
- Pick your own maturity date down to the day
Certificate Rates
| Account Type | Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|---|
| 3 Months | 91 – 180 | 1.27% | 1.28% | $1,000 | |
| 6 Months | 181 – 365 | 2.56% | 2.59% | $1,000 | |
| 12 Months | 366 – 730 | 3.02% | 3.07% | $1,000 | |
| 24 Months | 731 – 1095 | 2.86% | 2.90% | $500 | |
| 36 Months | 1096 – 1460 | 2.80% | 2.84% | $500 | |
| 48 Months | 1461 – 1825 | 2.93% | 2.97% | $500 | |
| certificate_accounts |
*APY = Annual Percentage Yield. Account fees may reduce earnings. Penalty for early withdrawal of principal.
Bump Certificate Rates
| Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| 24 Months | 731 – 1095 | 2.66% | 2.70% | $2,500 |
| 36 Months | 1096 – 1460 | 2.60% | 2.63% | $2,500 |
| 48 Months | 1461 – 1825 | 2.73% | 2.77% | $2,500 |
*APY = Annual Percentage Yield. Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.
IRA Accounts
Features and Benefits
- Traditional and Roth IRAs
- Coverdell Education Savings (ESAs) available through Oregonians Financial Planning
- Earnings may be tax-deferred
- Savings and CDs available
- Earns competitive dividends
IRA Certificate Rates
| Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| 3 Months | 91 – 180 | 1.37% | 1.38% | $1,000 |
| 6 Months | 181 – 365 | 2.66% | 2.70% | $1,000 |
| 12 Months | 366 – 730 | 3.12% | 3.17% | $1,000 |
| 24 Months | 731 – 1095 | 2.96% | 3.00% | $500 |
| 36 Months | 1096 – 1460 | 3.00% | 3.05% | $500 |
| 48 Months | 1461 – 1825 | 3.13% | 3.18% | $500 |
*APY = Annual Percentage Yield. Account fees may reduce earnings. Penalty for early withdrawal of principal.
