Highest Savings Rates in Oregon
24 Oregon-specific accounts
The Oregon market
Oregon accounts
24
Institutions
16
Top Oregon APY
5.00% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
24 savings accounts are open only to Oregon residents, from 16 institutions. The highest advertised APY among them is 5.00%.
The highest nationally available rate is 5.00% APY, the same as the Oregon leader.
8 of the 24 Oregon savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Oregon-Specific Savings Accounts
These savings accounts are specifically available to Oregon residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #5 | Pioneer Trust Bank, National Association Savings Account 0.50%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | First Federal Savings and Loan Association of McMinnville First Time Home Buyer Savings Account 0.15%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #7 | Show Details | +$10per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #8 | Show Details | +$10per year | Features Low MinimumsIn-Person Access | $5 | |
| #9 | WaFd Bank Start Savings Up to5.00%APY On balances up to $500 · 2.50% above No min. balance for APY Observed: Oct 12, 2026 Show Details | +$10per yearEffective: 0.10% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #10 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #11 | Show Details | +$5per year | Features Low MinimumsIn-Person Access | $5 | |
| #12 | Show Details | +$5per year | Features Low MinimumsIn-Person Access | $25 | |
| #13 | Show Details | +$5per year | Features Low MinimumsIn-Person Access | $5 | |
| #14 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #16 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #17 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #18 | Show Details | +$4per yearEffective: 0.04% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #19 | First Federal Savings and Loan Association of McMinnville Statement Savings 0.02%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #20 | People's Bank of Commerce High Yield Savings Up to1.76%APY On balances of $1,000 to $5,000.99 · 0.05% below Observed: Oct 7, 2026 Show Details | +$1per yearEffective: 0.01% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #21 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #22 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #23 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $250 |
PNC
PNC High Yield Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Gateway First Bank
Gateway High Yield Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Personal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Pioneer Trust Bank, National Association
Savings Account
What to Watch
A $6 service charge applies each quarter unless the average daily balance is $250 or more.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $6 quarterly service charge, waived with a $250 average daily balance |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19827) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Savings and Loan Association of McMinnville
First Time Home Buyer Savings Account
What to Watch
Open to Oregon residents who have not purchased or owned a single-family home, individually or jointly, in the three years before the planned purchase. The money must be used to buy a single-family home in Oregon. The account can be opened at any time through December 31, 2026. Six external transfers are permitted per statement cycle, and funds withdrawn must go to eligible expenses or tax penalties may apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29624) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
CENTRAL WILLAMETTE
First Time Homebuyer Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
EWEB EMPLOYEES
Regular Shares
What to Watch
A $5 fee applies to each withdrawal over 6 in a month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $6.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
WaFd Bank
Start Savings
On balances up to $500 · 2.50% above
What to Watch
Needs a WaFd checking account to open. Interest is blended: the highest rate applies only to the first $500, and the portion above $1,000 earns the lowest rate.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28088) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
WaFd Bank
Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| Maintenance Fee | $100 minimum balance to waive $10 monthly service charge |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28088) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
CENTRAL WILLAMETTE
Membership Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
CENTRAL WILLAMETTE
Rainy Day Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
EMBOLD
Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
People's Bank of Commerce
Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $3 monthly service charge, waived with a $200 minimum average daily balance, and no charge for account owners under 18 or 50 and over. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34685) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Washington Trust Bank
Simplicity Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $1 |
| Maintenance Fee | $3 monthly service charge, waived when the minimum ledger balance of $300 is maintained |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1281) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Advantage Savings
What to Watch
APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Heritage Bank
Alpine Savings
What to Watch
An account holder under 19 years of age is not required to keep a minimum balance.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29012) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Heritage Bank
Peak Savings
Needs at least $500,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29012) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
First Federal Savings and Loan Association of McMinnville
Statement Savings
What to Watch
The $3.00 monthly service fee applies only if the balance falls below the $100.00 minimum daily balance. There is no limit on internal withdrawals, and six external transfers are permitted per statement cycle.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29624) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
People's Bank of Commerce
High Yield Savings
On balances of $1,000 to $5,000.99 · 0.05% below
What to Watch
An active People's Bank checking account is required, and the opening deposit must be money that is not already on deposit at the bank. The highest rate band ends at $5,000.99. Balances above that band earn a lower rate, and balances of $10,000 or more earn the lowest rate on the account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $10 monthly service charge, waived by maintaining a $1,000 minimum average daily balance. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34685) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Bank of America
Advantage Relationship Banking
Needs at least $50,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
BMO Bank
Savings Builder
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16571) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Evergreen Federal Bank
Evergreen Personal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $250 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28914) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Oregon.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |