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Highest Savings Rates in Oregon
24 Oregon-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Oregon Rate:5.00%

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.

#1

PNC

PNC High Yield Savings

+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple 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 InsuranceFDIC Insured(Cert: 6384)
EligibilityAK, 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

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#2

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, 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

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#3

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#4

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#5

Pioneer Trust Bank, National Association

Savings Account

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $6 service charge applies each quarter unless the average daily balance is $250 or more.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$6 quarterly service charge, waived with a $250 average daily balance
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19827)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.10%
Since 30 days ago
Official SitePioneer Trust Bank, National Association

Direct Link to Product Page (Not Sponsored)

#6

First Federal Savings and Loan Association of McMinnville

First Time Home Buyer Savings Account

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29624)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association of McMinnville

Direct Link to Product Page (Not Sponsored)

#7

CENTRAL WILLAMETTE

First Time Homebuyer Savings

+$10
per year
0.10% APY
Oct 7, 2026
No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL WILLAMETTE

Direct Link to Product Page (Not Sponsored)

#8

EWEB EMPLOYEES

Regular Shares

+$10
per year
0.10% APY
Oct 3, 2026
Low MinimumsIn-Person Access

What to Watch

A $5 fee applies to each withdrawal over 6 in a month.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$6.01
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteEWEB EMPLOYEES

Direct Link to Product Page (Not Sponsored)

#9

WaFd Bank

Start Savings

+$10
per year
5.00% APY
Oct 12, 2026

On balances up to $500 · 2.50% above

APY Range: 0.10% – 5.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28088)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

#10

WaFd Bank

Savings

+$10
per year
0.10% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
Maintenance Fee$100 minimum balance to waive $10 monthly service charge
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28088)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

#11

CENTRAL WILLAMETTE

Membership Account

+$5
per year
0.05% APY
Oct 7, 2026
Low MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$100
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL WILLAMETTE

Direct Link to Product Page (Not Sponsored)

#12

CENTRAL WILLAMETTE

Rainy Day Savings

+$5
per year
0.05% APY
Oct 7, 2026
Low MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL WILLAMETTE

Direct Link to Product Page (Not Sponsored)

#13

EMBOLD

Savings

+$5
per year
0.05% APY
Oct 3, 2026
Low MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteEMBOLD

Direct Link to Product Page (Not Sponsored)

#14

People's Bank of Commerce

Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/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 Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34685)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePeople's Bank of Commerce

Direct Link to Product Page (Not Sponsored)

#15

Washington Trust Bank

Simplicity Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$1
Maintenance Fee$3 monthly service charge, waived when the minimum ledger balance of $300 is maintained
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1281)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteWashington Trust Bank

Direct Link to Product Page (Not Sponsored)

#16

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

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
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#17

Heritage Bank

Alpine Savings

+$4
per year
0.04% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

An account holder under 19 years of age is not required to keep a minimum balance.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29012)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHeritage Bank

Direct Link to Product Page (Not Sponsored)

#18

Heritage Bank

Peak Savings

+$4
per year
0.15% APY
Oct 7, 2026

Needs at least $500,000

APY Range: 0.04% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29012)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteHeritage Bank

Direct Link to Product Page (Not Sponsored)

#19

First Federal Savings and Loan Association of McMinnville

Statement Savings

+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29624)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association of McMinnville

Direct Link to Product Page (Not Sponsored)

#20

People's Bank of Commerce

High Yield Savings

+$1
per year
1.76% APY
Oct 7, 2026

On balances of $1,000 to $5,000.99 · 0.05% below

APY Range: 0.01% – 1.76%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

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
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$10 monthly service charge, waived by maintaining a $1,000 minimum average daily balance.
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34685)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SitePeople's Bank of Commerce

Direct Link to Product Page (Not Sponsored)

#21

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited 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.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#22

BMO Bank

Savings Builder

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16571)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

#23

Evergreen Federal Bank

Evergreen Personal Savings

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$250
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28914)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteEvergreen Federal Bank

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Oregon.

InstitutionProduct / Term
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%

See the full national list