Oregon Community Credit Union

2880 Chad Drive
Eugene, OR 97408
800.948.3425
www.oregoncommunitycu.org

OverView
Rates
Health
Reviews

Oregon Community Credit Union is headquartered in Eugene and is the 2^nd largest credit union in the state of Oregon. It is also the 176^th largest credit union in the nation. It was established in 1981 and as of September of 2011, it had grown to 232 employees and 103,028 members. Oregon Community Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Oregon Community Credit Union Routing Number: 323274461

Competitive CD Rates at Oregon Community Credit Union - Local Only - 11/11/2010

Oregon Community Credit Union is offering two competitive long-term CD and IRA CD rates: a 2.90% APY 5-year CD and a 2.15% APY 3-year CD. Minimum deposit is $100K. The rates are 15 basis points lower ...

1.99% Rewards Checking Account at an Oregon CU (Oregon Community) - 4/22/2007

Update 1/10/10: The top rate has fallen to 1.99% APY. Refer to the bottom of the post for the account history.Oregon Community Credit Union is offering a reward checking account called the Remarkable Checking. It offers 1.99% APY on balances up to...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Oregon Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Simplicity Checking

Oregon Community Credit Union Savings Account Rates

Apy	Min	Max	Product
1.11%	$100k	-	Premier IRA Savings
1.11%	$100k	-	Premier Roth IRA Savings
1.11%	$100k	-	Premier CESA Savings
0.40%	-	-	Holiday Savings
0.40%	-	-	Tax Savings
0.20%	-	-	Primary Savings
0.20%	-	-	Lucky Duck Club Savings

Oregon Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.65%	$250k	-	Money Market

Oregon Community Credit Union CD Rates

Apy	Min	Max	Product
1.87%	$100k	-	60 Month Jumbo CD
1.76%	$500	-	60 Month CD
1.51%	$100k	-	48 Month Jumbo CD
1.41%	$500	-	48 Month CD
1.26%	$100k	-	36 Month Jumbo CD
1.21%	$500	-	36 Month CD
0.90%	$100k	-	24 Month Jumbo CD
0.85%	$500	-	24 Month CD
0.45%	$100k	-	18 Month Jumbo CD
0.40%	$100k	-	12 Month Jumbo CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.30%	$100k	-	6 Month Jumbo CD
0.25%	$500	-	6 Month CD

Oregon Community Credit Union IRA Rates

Apy	Min	Max	Product
2.02%	$100k	-	60 Month Jumbo IRA
2.02%	$100k	-	60 Month Jumbo Roth IRA
1.92%	$500	-	60 Month IRA
1.92%	$500	-	60 Month Roth IRA
1.66%	$100k	-	48 Month Jumbo IRA
1.66%	$100k	-	48 Month Jumbo Roth IRA
1.56%	$500	-	48 Month IRA
1.56%	$500	-	48 Month Roth IRA
1.36%	$100k	-	36 Month Jumbo IRA
1.36%	$100k	-	36 Month Jumbo Roth IRA
1.26%	$500	-	36 Month IRA
1.26%	$500	-	36 Month Roth IRA
1.00%	$100k	-	24 Month Jumbo IRA
1.00%	$100k	-	24 Month Jumbo Roth IRA
0.90%	$500	-	24 Month IRA
0.90%	$500	-	24 Month Roth IRA
0.50%	$100k	-	18 Month Jumbo IRA
0.50%	$100k	-	18 Month Jumbo Roth IRA
0.45%	$500	-	18 Month IRA
0.45%	$100k	-	12 Month Jumbo IRA
0.45%	$100k	-	12 Month Jumbo Roth IRA
0.45%	$500	-	18 Month Roth IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Roth IRA
0.35%	$100k	-	6 Month Jumbo IRA
0.35%	$100k	-	6 Month Jumbo Roth IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

OREGON COMMUNITY
NCUA #	65856
BankRate Report	View
Year Established	1981
Employees	232
Primary Regulator
Assets and Liabilities
Assets	$1.01 billion
Loans	$805.20 million
Deposits	$921.87 million
Equity Capital	$78.57 million
Loan Loss Allowance	$7.67 million
Unbacked Noncurrent Loans	$4.17 million
Real Estate Owned	$415,000
Historic Data - September 2010
Assets	$931.50 million
Equity Capital	$69.82 million
Loan Loss Allowance	$8.56 million
Unbacked Noncurrent Loans	$5.19 million
Real Estate Owned	$571,000
Profit Margin - Quarterly
Net Interest Margin	3.32%
Return on Assets	0.9%
Return on Equity	11.61%
Interest Income	$31.01 million
Non-Interest Income	$11.07 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Oregon Community Credit Union had $4.58 million in non-current loans and owned real-estate with $86.24 million in equity and loan loss allowances on hand to cover it. This gives Oregon Community Credit Union a Texas Ratio of 5.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Oregon Community Credit Union decreased slightly from 7.35% as of September 30, 2010 to 5.32% as of September 30, 2011, resulting in a positive change of 27.69%.This indicates that the balance sheet and financial strength for Oregon Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Oregon Community Credit Union has increased its total deposits by $69.18 million, resulting in 8.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oregon Community Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oregon Community Credit Union has $1.01 billion in assets with $86.24 million in equity, resulting in a capitalization level of 8.51%, which is average.