Unitus Community Credit Union Ups 36-Month CD Rate (3.50% APY)


Deal Summary: 36-month CD, 3.50% APY, $500 minimum deposit.

Availability: Residents of 15 Oregon counties and all of Washington State.

Oregon-based Unitus Community Credit Union (Unitus) has increased the rate on its 36-month CD to 3.50% APY. The addition of 175 bps over the weekend has doubled the APY. The CD requires a $500 minimum opening deposit and there is no stated balance cap.

2.20*%$500-Unitus Community Credit Union36 Month CD
2.20*%$500-Unitus Community Credit Union36 Month IRA (Traditional, Roth, CESA)
Rates as of April 23, 2024.

The 36-month CD is available as an IRA (Traditional, Roth, CESA), earning the same APY with the same funding requirements.

As stated in the Rates Schedule, the Early Withdrawal Penalty reads as follows:

If you desire a withdrawal of principal prior to maturity you may be required to furnish the Credit Union a 30-day notice of intent to withdraw and we may impose an early withdrawal penalty.

On CDs with a maturity term greater than 35 months, the penalty is 270 days' interest or the interest earned on the principal amount withdrawn, whichever is less.

Go Savings Account

The Go Savings account is a tiered-APY savings account, which was added to Unitus’ product line in June with a top rate of 2.50% APY. In October, that rate was raised to 3.00% APY.

3.00*%-$2.5kUnitus Community Credit UnionGo Savings
OTHER TIERS: 0.03% $2.5k+
Rates as of April 23, 2024.

There are five rate tiers based on deposit levels,

To help you start saving more, you begin at the highest interest rate,
earning an incredible 3.00% APY on balances up to $2,499.99.

The current rate tiers are,

  • 3.00% APY – Up to $2.5k
  • 1.98% APY – $2.5-$5k
  • 1.00% APY – $5k-$25k
  • 0.50% APY – $25k-$50k
  • 0.25% APY – $50k

Unitus provides a Go Savings Calculator that “automatically distributes your deposit amount into the appropriate tiers.” Obviously, the larger the balance, the smaller the blended APY, but a $5k balance does earn a blended 2.50% APY. The following balances/blended APYs were generated by the Go Savings Calculator.

  • $10k – 1.75% APY
  • $15k – 1.50% APY
  • $20k – 1.38% APY
  • $25k – 1.30% APY
  • $50k – 0.90% APY


Headquartered in Portland, Oregon, Unitus Community Credit Union’s field of membership (FOM) is residency-based, with individuals who live or work anywhere in the state of Washington or in 15 Oregon counties eligible to join.

Oregon counties – Benton, Clackamas, Columbia, Deschutes, Douglas, Hood River, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, or Yamhill.

Family members (spouse, parent, child, sibling, aunt, uncle, grandparent, and grandchildren) of membership-eligible individuals also qualify for membership.

Joining Unitus Community CU and/or opening a CD or Go Savings account can be done online, or at any of ten Oregon branches, located in Beaverton, Clackamas, Hillsboro, Portland (6), and Salem. Unitus also has one branch in in Vancouver, Washington.

Credit Union Overview

Unitus Community Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 1.99% (excellent) based on September 30, 2018 data. In the past year, Unitus has increased its total non-brokered deposits by $44.33 million, an excellent annual growth rate of 4.58%. Please refer to our financial overview of Unitus Community Credit Union (NCUA Charter # 63440) for more details.

As one of the oldest credit unions in Oregon, Unitus Community Credit Union was established in 1937. Known as the Oregon Telephone Employees Credit Union, the original FOM was exclusive to the employees of Pacific Telephone & Telegraph. Unitus is currently Oregon’s eighth largest credit union, with more than 92,200 members and assets in excess of $1.1 billion.

How the CD Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, Unitus Community Credit Union's 36-month CD APY currently ranks first.

The above rates are accurate as of 2/6/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Portland CD rates, 5-year CD rates

  |     |   Comment #1
I believe Columbia is at 3.6% for 30 month.
  |     |   Comment #2
The 3.6% APY on the 30-month CD requires a minimum $100,000 deposit. The 3.45% APY is for a $500 minimum deposit. To quote Ken ...

"When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit"
  |     |   Comment #3
I just purchased a jumbo 36mo bump up CD from GESA yielding 3.5% although there may be a higher minimum required.
6.00% 13-Month CD at an Oregon CU (Unitus)
Unitus Community Credit Union is offering a 6.00% APY 13-month special certificate. The minimum is $500. Additional deposits of $100 or more are allowed during the term. The 6.00% APY requires a checking account, debit card and verified receipt of direct deposit ($250 minimum). Without direct deposit, the avialable APY is 5.75%. Without the checking acocunt the APY is 5.50%.

The field of membership includes those who live or work in the Oregon counties of Multnomah, Washington, Clackamas, Marion, Polk or Yamhill. A $5 deposit into a prime share savings account...

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