How do Oregon savings rates compare to other states?

Oregon savings rates of 1.20% APY compare to a national average of 1.2% APY. Rates vary by state based on local market conditions, legislation, and economic factors.

Where can I find the best savings rates in Oregon?

Online banks and credit unions in Oregon typically offer rates well above the branch average of 1.20% APY.

Oregon Savings Rates (2026) — How It Compares to Other States

Q: What are Oregon savings rates in 2026?

Oregon savings rates are currently 1.20% APY as of January 2026. The national average is 1.2% APY. Oregon is at or below the national average.

💰 Oregon Savings Rates — January 2026

1.20% APY

Oregon Rate

1.2% APY

National Average

High-yield savings account average rate. Source: FDIC National Rate.

ℹ️ Public Data Data sourced from FDIC National Rate. Last updated January 2026.

📊 Oregon Financial Snapshot

Metric	Oregon	National Avg
Cost of Living	Rank #29 / 50	Rank #25
Estate Planning Costs	$1,000-$2,500	$1,000-$3,000
Financial Advisor Costs	$200-$325/hr	$200-$300/hr
Income Tax Rates	9.90%	5.0%
Mortgage Rates	5.05%	5.0%
Savings Rates	1.20% APY	1.2% APY
Tax Preparation Costs	$150–$350	$220

Data as of January 2026. Sources: Freddie Mac, FDIC, Tax Foundation, MERIC.

All States — Savings Rates Comparison

State	Savings Rates
Alabama	1.20% APY
Alaska	1.30% APY
Arizona	1.15% APY
Arkansas	1.18% APY
California	1.05% APY
Colorado	1.20% APY
Connecticut	1.40% APY
Delaware	1.22% APY
Florida	1.10% APY
Georgia	1.12% APY
Hawaii	0.95% APY
Idaho	1.18% APY
Illinois	1.25% APY
Indiana	1.16% APY
Iowa	1.22% APY
Kansas	1.20% APY
Kentucky	1.15% APY
Louisiana	1.12% APY
Maine	1.30% APY
Maryland	1.25% APY
Massachusetts	1.35% APY
Michigan	1.20% APY
Minnesota	1.28% APY
Mississippi	1.15% APY
Missouri	1.18% APY
Montana	1.22% APY
Nebraska	1.20% APY
Nevada	1.10% APY
New Hampshire	1.32% APY
New Jersey	1.40% APY
New Mexico	1.15% APY
New York	1.35% APY
North Carolina	1.15% APY
North Dakota	1.22% APY
Ohio	1.20% APY
Oklahoma	1.15% APY
→ Oregon	1.20% APY
Pennsylvania	1.25% APY
Rhode Island	1.32% APY
South Carolina	1.12% APY
South Dakota	1.20% APY
Tennessee	1.10% APY
Texas	1.12% APY
Utah	1.18% APY
Vermont	1.30% APY
Virginia	1.22% APY
Washington	1.20% APY
West Virginia	1.15% APY
Wisconsin	1.25% APY
Wyoming	1.20% APY

Frequently Asked Questions

What are Oregon savings rates in 2026?

Oregon savings rates are currently 1.20% APY as of January 2026. This compares to a national average of 1.2% APY.

Where can I find the best savings rate in Oregon?

Online banks and credit unions in Oregon typically offer the best savings rates. Top rates currently range up to 4.70% APY from online banks vs the branch average of 1.20% APY.

How does Oregon compare to the national average for savings rates?

Oregon's savings rates of 1.20% APY fall at or below the national average of 1.2% APY. This difference matters: a 1% APY difference on $10,000 in savings equals $100/year, compounding over time.

Where can I find additional Oregon financial resources?

For Oregon residents: the state government's official financial services website, the CFPB (Consumer Financial Protection Bureau) at consumerfinance.gov, and FinanceStackHub's free tools (calculators, AI health check, guides) provide free educational resources to help you make informed financial decisions.

Related Tools & Resources

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Oregon Savings Rates