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Personal Checking, Savings, CDs & IRAs

Personal Checking Accounts


No Minimum Balance / Online Banking / ATM Use / Debit Card

Banking for everyone. Safe, easy and smarter.  You can make payments, deposits and withdrawals through your debit card. Online Banking, Mobile Banking and Online Bill Pay included.  Avoid the $2.95 monthly service charge if you keep a $500 monthly minimum balance or have one monthly direct deposit into your account.

Premier InterestChecking

Online Banking / ATM Use / Debit Card

Earn a competitive interest rate – this account is ideal for those who like to maintain high balances. Premier Interest Checking also includes check writing & withdrawals, Online Banking, Mobile Banking, Online Bill Pay, and ATM usage.

Personal Savings Accounts


This account is ideal for setting aside money for special purchases or unexpected purchases, and for first time savers. Your funds are easily available when you need them. Interest is compounded quarterly.


Account features no monthly maintenance fee and no minimum balance. Interest is compounded quarterly. Statements are mailed quarterly.

Money MarketSavings

Enjoy higher interest and the convenience of writing checks. With this account, you have the flexibility of up to six transfers or withdrawals per statement cycle if pre-authorized, automatic, by telephone, computer, check or debit card. There is no limit to the number of transfers or withdrawals when made in person. Rates are competitive and tiered according to balance levels. Federal regulations allow up to a total of 6 account transfers, checks or debit card transactions per month.

Health Savings Accounts

Reducing Your Healthcare Costs and Taxes

HSAs (Health Savings Accounts) are tax-exempt accounts for accumulating savings to pay for medical expenses. They were created by Congress in order to combat rising medical costs. HSA contributions are tax-deferred and withdrawals are tax-free providing that they are used for eligible medical expenses. Designed to be used in conjunction with affordable high deductible health plans, your HSA can cover small and routine medical expenses until your deductible is met and insurance benefits “kick in”.


Fixed RateCertificates of Deposit

Pick your term and then lock in a guaranteed rate of return. The minimum opening deposit is $1,000 and we offer terms from 182 days to 36 months. Interest can compound to your CD or be transferred to another Oregon Coast Bank account.



Setting aside money each year into an IRA is a proven way to help supplement retirement savings. Traditional IRAs from Oregon Coast Bank offer tax-deferred savings opportunities. You will not pay taxes on the earnings and in some cases on the contributions, until you choose to take distributions from the account. We offer fixed and variable rate Traditional IRAs with a variety of terms available.


When you leave a job or retire, you are allowed to “roll over” funds from an employer-sponsored plan, such as a 401(k) or pension plan, into a Rollover IRA. You can also move funds from other IRA providers into an Oregon Coast Bank Rollover IRA.


Roth IRAs are a great way for individuals to save for retirement because the earnings on your investment are free from federal income taxes as long as certain conditions are met. At Oregon Coast Bank we offer fixed and variable rate Roth IRAs with a variety of terms available.


If you own your own business, a Simplified Employee Pension (SEP) Plan is a great option for retirement savings. SEP IRAs are easy to establish and maintain, and offer tax-deductible contributions (from 0% to 25% of annual compensation) for you and all your eligible employees. At Oregon Coast Bank we offer fixed and variable rate SEP IRAs with a variety of terms available.