Certificates of Deposit

Invest smarter, not harder

CDs allow you to lock in a rate for the length of the term, which is great if rates fall. But if rates rise, you might end up earning less. Secure your money and lock in your rate today!

Regular Share Certificate of Deposit

Earn even more on your money with a Point West Share Certificate. Open a Certificate with as little as $500. We have various terms available. Certificates lock in a guaranteed rate for a set amount of time.

Regular Share Certificate of Deposit

Duration

Deposit

Dividend

APY*

Additional deposit and rate bump?

*APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. See full rates details and disclosures >>

12 months

$500 - 200K

0.249%

0.25%

No

24 months

$500 - 200K

0.399%

0.40%

No

36 months

$500 - 200K

0.448%

0.45%

Yes (Once per certificate term)

48 months

$500 - 200K

0.498%

0.50%

Yes (Once per certificate term)

60 months

$500 - 200K

0.548%

0.55%

Yes (Once per certificate term)

Save To Win Certificate of Deposit

Save to Win is a special certificate of deposit that gives you all the benefits of a savings account — plus the chance to win big! Each $25 deposit into this share certificate earns you an entry into the monthly and quarterly drawings. The more you save, the more chances you earn — up to 10 drawing entries per month. Not only will you build your savings and earn interest/dividends, you can win multiple prizes throughout the year. Save to Win prizes are set at the beginning of each program year, but members can open an account and start winning at any time. Not everyone will win a prize, but if you make regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than you started with. It really is the smartest way to save!

Save To Win Certificate of Deposit

Duration

Min. Deposit

Dividend

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures >>

12 months

$25

0.249%

0.25%

See how Save to Win Works!

Start saving today!

Open your CD

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