Deposit Rates

Deposit Rates Accurate as of December 24th, 2024






Oregon Coast Bank Rates


Personal Products

Checking Products

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Flagship Checking $100.00 $100.00 N/A 0.25%

Savings Products

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Anchor Savings $100.00 $100.00 N/A 0.15%
Admiral Savings $100.00 $100.00 N/A 0.15%
Health Savings Account $100.00 $100.00 N/A 0.90%
Maritime Money Market $100.00 $1,000.00
Balance Range Annual Percentage Yield (APY)*
$0.00 – $9,999.99 0.05%
$10,000.00 – $49,999.99 0.25%
$50,000.00 – $99,999.99 0.75%
$100,000.00 – $249,999.99 1.25%
$250,000.00 – $499,999.99 1.75%
$500,000.00 – $749,999.99 2.25%
$750,000.00 – $999,999.99 3.00%
$1,000,000.00+ 3.75%

Youth Products

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Skipper Savings** $10.00 $1,000.00
Balance Range Annual Percentage Yield (APY)*
$0.00 – $2,500.00 4.00%
Amount above $2,500 0.15%
Voyager Savings*** $10.00 $1,000.00
Balance Range Annual Percentage Yield (APY)*
$0.00 – $2,500.00 4.00%
Amount above $2,500 0.15%
*The interest rate and annual percentage yield may change after account opening.
**Primary owner must be 12 years or younger to be eligible for the Skipper Savings account.
***Primary owner must be between 13 and 24 years old to be eligible for the Voyager Savings account.
The daily balance mehod is used to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
APY may be higher than the interest rate resulting from compounding.
Fees could reduce the earnings on your account

Certificates of Deposit (CDs)

Traditional CD Terms Minimum Opening Deposit Minimum Balance to Obtain APY Annual Percentage Yield (APY)
5 Months – Special $1,000.00 $1,000.00 4.00%
6 Months $1,000.00 $1,000.00 2.75%
9 Months – Special $1,000.00 $1,000.00 4.00%
12 Months $1,000.00 $1,000.00 2.75%
12 Months IRA $1,000.00 $1,000.00 2.75%
13 Months – Special $1,000.00 $1,000.00 4.00%
13 Months IRA – Special $1,000.00 $1,000.00 4.00%
24 Months $1,000.00 $1,000.00 2.75%
24 Month IRA $1,000.00 $1,000.00 2.75%
36 Months $1,000.00 $1,000.00 1.75%
A penalty may be imposed for early withdrawal.
Fees could reduce the earnings on your account.

Business Products

Checking Products

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Business Advantage Checking $100.00 $100.00 N/A 0.25%
Account Analysis Checking $100.00 $100.00 N/A 0.75%

Savings Products

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Business Homeport Savings $100.00 $100.00 N/A 0.15%
Business Advantage Money Market $100.00 $1,000.00 N/A 1.05%
Business Maritime Money Market $100.00 $1,000.00
Balance Range Annual Percentage Yield (APY)*
$0.00 – $9,999.99 0.05%
$10,000.00 – $49,999.99 0.25%
$50,000.00 – $99,999.99 0.75%
$100,000.00 – $249,999.99 1.25%
$250,000.00 – $499,999.99 1.75%
$500,000.00 – $749,999.99 2.25%
$750,000.00 – $999,999.99 3.00%
$1,000,000.00+ 3.75%

Government

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate Tiers Annual Percentage Yield (APY)*
Community Rewards Checking $100.00 $100.00 N/A 0.25%
Community Money Market $100.00 $1,000.00 N/A 1.05%
Community Maritime Money Market $100.00 $1,000.00
Balance Range Annual Percentage Yield (APY)*
$0.00 – $9,999.99 0.05%
$10,000.00 – $49,999.99 0.25%
$50,000.00 – $99,999.99 0.75%
$100,000.00 – $249,999.99 1.25%
$250,000.00 – $499,999.99 1.75%
$500,000.00 – $749,999.99 2.25%
$750,000.00 – $999,999.99 3.00%
$1,000,000.00+ Current GIP** + 0.05%
*The interest rate and annual percentage yield may change after account opening.
**GIP = Government Investment Pool.
The daily balance method is used to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
APY may be higher than the interest rate resulitng from compounding.
Fees could reduce the earnings on your account.

Certificates of Deposit (CDs)

Traditional CD Terms Minimum Opening Deposit Minimum Balance to Obtain APY Annual Percentage Yield (APY)
5 Months – Special $1,000.00 $1,000.00 4.00%
6 Months $1,000.00 $1,000.00 2.75%
9 Months – Special $1,000.00 $1,000.00 4.00%
12 Months $1,000.00 $1,000.00 2.75%
13 Months – Special $1,000.00 $1,000.00 4.00%
24 Months $1,000.00 $1,000.00 2.75%
36 Months $1,000.00 $1,000.00 1.75%
A penalty may be imposed for early withdrawal
Fees could reduce the earnins on your account
For current rate information call (541)265-9000
Member FDIC
Effective 12/24/2024