Personal Savings

Build a solid financial future with a savings account. Whether you’re opening your first Savings account or adding to a long term savings plan, we have an account that will help you set aside money in a way that makes sense for you.

We are excited to let you know that we have launched a new feature that allows you to easily open a personal savings account online. With just a few clicks, you can now start saving for your future. We understand that your time is valuable, which is why we have made the process as quick and easy as possible. Plus, you can rest assured that your personal and financial information is secure with us. So, are you ready to take the first step towards reaching your savings goals? Let's get started! Open Now

Accordion 1

Savings

Your Savings account will earn interest on deposited funds. It’s a great way to put money away for something special or a rainy day. Minimum opening deposit is $100. Minimum average daily balance to avoid a $3 monthly service fee is $200. No monthly fee for account owners under 18 or 50 years and over. Withdrawal limitations apply.*

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First-Time Home Buyer Savings

Allows Oregon residents to save money for a first-time home ownership with benefits of deducting taxable income. A First-Time Home Buyer Savings Account can be opened anytime between January 1, 2019 through December 31, 2026. Money deposited in the account must be used to buy a single-family home within 10 years of opening the account. Minimum to open account is $100. Minimum average daily balance to avoid a $3 monthly service fee is $200. Withdrawal limitations apply.*†

What can you spend your First-Time Home Buyer Savings Account on?

Loan Origination Fees
Down Payment
Closing Costs
Appraisal Costs
Realtor Fees

For more information regarding tax implications and eligible expenses, visit the Oregon Department of Revenues website.

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Money Market

Enjoy the benefit of earning interest with premium rates and still have the convenience of check writing. A tiered rate structure allows higher account balances to earn higher interest. The $10 monthly service charge is waived by maintaining the $1,000 minimum average daily balance. Withdrawal limitations apply.*

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Certificates of Deposit

$500 minimum opening deposit. Select a maturity date that best fits your needs. Rates are based on term of investment. Flexible terms from 3 months to 10 years are available. Early withdrawal penalties apply.

* Federal regulations limit Savings and Money Market withdrawals to six pre-authorized withdrawals per month. Pre-authorized withdrawals include but are not limited to: ACH debit, telephone transfers, online banking transfers, overdraft protection and checks.

** Not a commitment to lend. Must be used to purchase a first lien home.

† All funds withdrawn must be eligible expenses or tax penalties may apply.

Ac	Savings	First-TimeHome Buyer Savings	Money Market	Certificates of Deposit
Minimum Opening Deposit	$100 (or) $1 for Minor	$100	$100	$500
Monthly Maintenance Service Charge	$3 or $0 for minors or account holder 50 or older (or) if you have a minimum monthly balance of $200	$3 or account holder 50 or older (or) if you have a minimum monthly balance of $200	$10 or $0 if you have a minimum monthly balance of $1,000	N/A
Interest/Term	Compounds daily, pays monthly; no maturity date	Compounds daily, pays monthly; no maturity date	Tiered, compounds daily, pays monthly; no maturity date	Simple compounding, frequency varies; flexible terms from 90 days to 10 years
Withdrawals	Unlimited withdrawals in person or at ATM; 6 pre-authorized withdrawals or checks per month^a	Unlimited withdrawals in person or at ATM; 6 pre-authorized withdrawals or checks per month ^{a & b}	Unlimited withdrawals in person or at ATM; 6 pre-authorized withdrawals or checks per month ^a	Penalty will be imposed for early withdrawal
Mobile Deposit

a) Pre-authorized withdrawals include, but are not limited to: ACH debit, telephone transfers, online banking transfers, overdraft protection and checks

b) All funds withdrawn must be eligible expenses or tax penalties may apply.

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