Fibre Federal Credit Union is rolling out an impressive “Extraordinary Members” promotion exclusively for residents of Clatsop and Columbia Counties in Oregon. This limited-time offer combines high-yield savings with substantial checking account rewards.
The offer is only available in select counties of Oregon. Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from BMO, CIT Bank and Axos Bank that you won’t want to miss!
The Dual Offer Overview
Share Certificate: 4.50% APY for 7 months
Choice Checking: 4.25% APY + $200 bonus potential
Exclusive Eligibility: Clatsop & Columbia Counties only
Rates Effective: July 16, 2025
Trending Savings Account Deal:
Share Certificate Details
Annual Percentage Yield: 4.50% APY
Term Length: 7 months
Minimum Opening Balance: $500
New Money Requirement: Yes – existing Fibre funds don’t qualify
Early Withdrawal Penalty: Yes (standard certificate terms apply)
This short-term certificate offers an exceptional rate for those looking to park funds for just over half a year while earning significantly more than typical savings accounts.
Choice Checking Account Offer
Base Rate: 4.25% APY on balances up to $20,000
Bonus Opportunity: $200 cash bonus
Higher Balance Rate: 0.25% APY on amounts over $20,000
Minimum Opening Balance: $25
Account Limit: Two accounts per primary member
How to Earn the $200 Bonus
Requirement: Qualify for premium dividends for three consecutive months
Timeline: Must meet requirements each month to maintain eligibility
Bonus Payment: After completing three consecutive qualifying months
Trending Checking Account Deal:
Monthly Requirements for Premium Rate
While specific requirements aren’t detailed in the promotion, Choice Checking typically requires:
- Minimum monthly transactions or direct deposits
- Electronic statement enrollment
- Debit card usage requirements
If Requirements Not Met:
- APY drops to 0.10%
- ATM fee refunds are forfeited
- No bonus eligibility
Additional Benefits
ATM Fee Refunds: Up to $25 per cycle when requirements are met
High-Yield Potential: Earn up to $850 annually on $20,000 balance (at 4.25% APY)
Geographic Restrictions
This offer is exclusively available to members in:
- Clatsop County, Oregon
- Columbia County, Oregon
Residents of these counties can join Fibre Federal Credit Union and take advantage of both offers.
Account Opening Options
Online: Available for both share certificate and checking account
In-Person: Visit one of four locations:
- Rainier Financial Services Center
- Astoria Financial Services Center
- Warrenton Financial Services Center
- Seaside Financial Services Center
RAKUTEN $50 SIGN UP BONUS – Click here to get it!
Important Terms & Conditions
Share Certificate:
- New money only (cannot transfer existing Fibre funds)
- $500 minimum balance required throughout term
- Early withdrawal penalties apply
- 7-month term commitment
Choice Checking:
- Business accounts not eligible
- Limited to two accounts per primary member
- Must maintain requirements monthly for premium rate
- Fees may reduce earnings
- Minimum $0.01 balance to earn APY
Why This Offer Stands Out
Exceptional Rates: Both 4.50% and 4.25% APY are significantly above national averages
Short-Term Commitment: 7-month certificate allows relatively quick access to funds
High Balance Limit: Earn premium rate on up to $20,000 in checking
Local Focus: Exclusive offer for specific Oregon counties
Bonus Potential: $200 checking bonus adds substantial value
Strategic Considerations
For the Share Certificate:
- Ideal for emergency funds or short-term savings goals
- 7-month term provides flexibility compared to longer CDs
- New money requirement means you’ll need funds from outside Fibre
For Choice Checking:
- Excellent for primary banking relationship
- High rate on substantial balance ($20,000 limit)
- Monthly requirements may require active account management
- $200 bonus provides strong initial value
Getting Started
Step 1: Confirm eligibility (Clatsop or Columbia County residence)
Step 2: Gather required documentation for membership
Step 3: Decide between online application or branch visit
Step 4: Open share certificate with new money ($500+ minimum)
Step 5: Open or upgrade to Choice Checking account
Step 6: Set up monthly requirements to earn premium rates and bonus
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
This is an outstanding offer for residents of Clatsop and Columbia Counties who can meet the geographic restrictions. The combination of a 4.50% APY certificate and 4.25% APY checking with bonus potential creates significant earning opportunities.
Best For:
- Oregon residents in eligible counties seeking high-yield options
- Those with $500+ in new money for the certificate
- Active banking customers who can meet monthly checking requirements
- People wanting both short-term and ongoing high-yield options
Contact Information:
- Routing Number: 323380766
- Website: Visit Fibre FCU online to apply
- Branches: Four locations across the service area
The “Extraordinary Members” promotion lives up to its name by offering genuinely exceptional rates in today’s banking environment. For eligible members, this represents a rare opportunity to earn premium returns on both savings and checking balances.
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