Saving
How a share certificate ladder keeps your savings growing
A simple way to earn higher rates while keeping part of your money within reach.
Stress
less about
your money
Wellspring is a not for profit credit union in Portland. With 77 years of experience, we offer accounts, loans, and guidance designed to help your money grow, and every dollar is federally insured.
You earned $86.32 in dividends this month
$35,290.40Total available balance
Dividends earned$1,138.20
Current APY4.30%
Your $1,000 deposit is federally insured
We are here because more people deserve a secure, rewarding place to keep their money.
58,000+ members
77 years serving Oregon
14 branches
30,000+ fee-free ATMs
$0 monthly fees
Why Wellspring?
Why Wellspring
Everyday checking
Free checking with no minimum balance, early direct deposit, and no surprise fees.
Savings that grow
High-yield savings and share certificates that pay more than a big bank, with no games.
Loans that fit
Low-rate auto, home, and personal loans plus cards, decided by people who know you.
Plan for what is next
Free financial coaching and retirement savings tools to help you reach your goals.
$109,632
Projected savings at this pace
$63,932 saved
Emergency fund Instant access savings
$15,480.45
Certificate ladder Share certificates
$70,736.39
More interest on your cash
Your savings should be working as hard as you do
Because members own Wellspring, we return earnings as higher rates. A coach will help you build a simple savings plan around your goals, your timeline, and your everyday life.
- High-yield savings that pays on every dollar, with no minimum
- Share certificates with rates set to reward members, not shareholders
- Free financial coaching built around your own goals
Dollar amounts and the 4.30% APY shown are illustrative demo figures, not an offer. Confirm current rates and terms before publishing.
Trusted by members all across Oregon
Member since 2015
I moved my savings to Wellspring and started earning real dividends for the first time. When I had a question, an actual person picked up and knew my name. It feels like they are on my side.
Renata AlvarezSmall business owner · Portland, OR
We saved you $412 in fees this year
Financial education
View all guides
Guides to help you save, borrow, and plan
Everyday money
Four habits that quietly build your savings every month
Small, automatic moves that add up faster than you would expect over a year.
Planning
Money lessons worth knowing well before retirement
What our coaches wish every member started doing ten years earlier.
Good to know
Have more questions?
Cannot find what you are looking for? Our member support team is a call away, six days a week.
Who can join Wellspring?
Anyone who lives, works, worships, or studies in Oregon or southwest Washington can join, along with their family. Membership starts with a one time $5 share deposit that makes you an owner.
How much more can I earn on savings?
Because we are member owned, our savings and certificate rates typically run well above the national bank average. The figures on this page are demo rates. Ask about current rates and we will show you the real numbers.
Is my money safe?
Your savings and checking are federally insured to at least $250,000 by the NCUA, a US government agency, and we monitor your accounts around the clock for fraud.
Do you offer financial planning help?
Yes. Members get free financial coaching to build a savings plan, pay down debt, and prepare for retirement. Coaching is educational and is not individualized investment advice.
How do I become a member?
The online application takes about ten minutes, and most members open their first account and start saving the same day with a $5 share deposit.
Here to help
Have more questions? We are easy to reach.
Talk to a real person about membership, savings rates, or opening your first account. No pressure, no runaround.
Become a member