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 Oregonians membership. Every member gets one, making every member an Oregonians CU owner. All of the other accounts and loans you may open will be tied to this membership account.
Features and Benefits
- Grants you membership with Oregonians CU
- 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
- Makes you an Oregonians CU owner
Youth Savings
The earlier your kids learn about saving, the more financially savvy they'll be. That's why we've designed these accounts for Oregonians kids and teens.
First-Time Homebuyer Savings
Features and Benefits
- High yield account to help you save for your first Oregon home
- Limited annual deposits
- $150 early account closure fee if closed within 180 days
- Deposits are tax deductible
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 | .71% | .71% |
| $2,501 - $10,000 | .87% | .87% |
| $10,001 - $25,000 | .95% | .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, like a vacation, Christmas, or a tax payment. You can setup automatic transfers every month and withdraw the funds at the end of the savings period.
CDs
Features and Benefits
- Lock in a competitive rate for terms from 3 months to 5 years
- Pick your own maturity date down to the day
Certificate Rates
| 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 |
*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, Roth, and Coverdell
- Earnings may be tax-deferred
- Savings and CDs available
- Earns competitive dividends
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.
