Saver portal

Get OregonSaves working for you

There are two ways to join OregonSaves: through your job if your employer facilitates OregonSaves or by signing up for an account yourself if you are self-employed or your employer doesn't facilitate OregonSaves.

Through your employer:

We'll get the ball rolling – you will receive an email or letter in the mail from OregonSaves approximately 30 days before you are automatically enrolled in OregonSaves and payroll deductions start.

Once you have been notified, you can:

  • Set up your account - create a username and password
  • Opt out of participating to prevent contributing to OregonSaves from your paycheck. OregonSaves will allow you to opt in whenever you are ready to start saving.

To set up your account or opt out of the program you need to give this information to verify your identity:

  • OregonSaves access code – you can find this in your notification
  • Your Social Security Number
  • Your birthdate
  • Your ZIP code
quote-mark-open.png This is the easiest retirement program I have ever participated in. It has removed a lot of the stress of having to choose from a long list of decisions that feel overwhelming. quote-mark-close.png

Genevieve Sheridan, IDA Program Specialist, Merit NW, Salem

OregonSaves is here to help guide you through this quick and easy process. All you need to do is follow the directions on each page.

If you do not access your account or opt out, your savings will start automatically in about 30 days with the standard savings choices:

  • 5% of your gross income earned with your facilitating employer (wages before taxes and other deductions), increasing by 1% a year until it reaches a maximum of 10%
  • Your first $1,000 will be invested in the OregonSaves Capital Preservation Fund; savings over $1,000 will be invested in an OregonSaves Target Retirement Fund based on your age
  • Your account will be a Roth IRA. Contributions into a Roth IRA are made after-tax and are not taxable when you remove your contributions from your account. Any earnings on those contributions could be tax free if you meet certain IRS criteria

We hope you set up your account. When you do, you should:

  • Verify your contact information
  • Sign the account documents
  • Designate beneficiaries (who will inherit your Roth IRA in the event of your death)

You can also:

  • Change your contribution rate – the minimum is 1% and the maximum is 100%1
  • Change your investment choices
  • Learn more about the benefits of saving for retirement, Roth IRA eligibility and contribution guidelines, financial wellness resources, and more

Sign up yourself:

Signing up for OregonSaves is easy if you're self-employed or work for an employer that doesn't facilitate the program. Simply sign up for an account today. You'll be asked to provide the following to set up your account:

  • Your Social Security Number
  • Your birthdate
  • Your address

You can then set up automatic contributions or make the initial minimum contribution and select your investment options. Then you can start saving for a better retirement.

Sign up

quote-mark-open.png The program is easy and the website is very user friendly. Whenever I want I can go online and see exactly how much I have in my account. All the work is taken out of it for me and I know I am saving for my retirement. quote-mark-close.png

Tati Olivas, General Manager, Mucho Gusto, Medford

1Please note that contributions are made post-tax, and your employer can’t deduct more than the amount of available compensation after they have made any other payroll deductions required by law that have higher preference.