Dream Big, Save Smart
Our Goals are your goals.
Getting the most out of your hard work.
We know that saving is important to you. It’s important to us, too. You’ve got goals and we’re here to help you meet them. Place your hard earned money in one of our insured saving accounts and you’ll be earning interest 24/7 while we keep it safe. We have saving accounts with a variety of features to help you make the most of your money.
Compare options with our Personal Banking Brochure
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Savings Account Options
Personal Savings
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- Minimum balance to open account, $100
- Minimum balance to avoid service charge, $200 average daily balance
- Monthly service charge if below the required minimum, $3.00 per statement cycle
- Earns a competitive rate of interest
Student Savings
If you’re under the age of 18, this account is for you! There is no minimum opening balance and no monthly service charges. A great starter account for learning the importance of saving.
Open Willamette Student Savings
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- Earns a competitive rate of interest
- Parent or Guardian required as signer on account
Certificate of Deposit
We offer a wide range of CDs, with one sure to fit your savings needs. Our low minimum is attractive as well as our wide range of terms from 90 days to 60 months. Using a daily balance method, a daily periodic rate is applied to the principal in the account each day and they are insured to the legal limit by the FDIC. Click here for more detailed information about FDIC insurance coverage. Ask a Personal Banker about all the options available, including current interest rates and annual percentage yields—–call us today!
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If you withdraw any principal before the maturity date, we may impose one of the following penalties:
- Between 90 and 364 days, the penalty is 90 days interest.
- Between 365 days or greater, the penalty is 180 days interest.
- If the account is closed before interest is credited, you will not receive the accrued interest
Money Market
This account earns money market rates on your entire balance, without tying up your money. The simple interest rate is tiered: this means you’ll earn a higher rate of interest for larger account balances.
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- Minimum balance to open account, $100
- Minimum average daily balance to avoid service charge, $1,000
- Monthly service charge if below required minimum, $10.00
- Interest-bearing account that earns tiered money market rates
Oregon First-time Home Buyer Savings Account
Oregon’s First-time Home Buyer Savings Account law allows residents to save money for first-time homeownership & may reduce your Oregon tax liability.
Idaho First-time Home Buyer Savings Account
Idaho’s First-time Home Buyer Savings Account law allows residents to save money for first-time homeownership & may reduce your Idaho tax liability.
Retirement Accounts
Your financial future can start right now at Willamette Valley Bank.
Our retirement accounts are a wise way to set aside tax-deferred money that will continue to grow for your future. We offer Individual Retirement Accounts (IRA) both Roth, Traditional and our Simplified Employee Pension (SEP) IRA for 90 days up to five year maturities at the corresponding Certificate of Deposit (CD) rate.
Come see our retirement account professionals for advice on the best plan for you.

When you choose to deposit your money in a local bank, you are helping to provide a tractor to a local farmer, an oven for the neighborhood bakery, and a home for the family next door. You have the power to decide where your money is reinvested simply by where you choose to bank.
Ryan Dempster
President, CEO
