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1370 Center Dr
Medford, OR 97501-7941

Rogue Credit Union is headquartered in Medford and is the 6th largest credit union in the state of Oregon. It is also the 256th largest credit union in the nation. It was established in 1956 and as of March of 2014, it had grown to 265 employees and 78,586 members. Rogue Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Jackson, Josephine or Klamath County. - See Details

Reviews (2)

Credit Unions Can Have Just As Many Issues As Banks

Chetco FCU in Northern Cal went under and was taken over by Rogue FCU.  Members were not given any notice nor given a choice of where their accounts would transfer.  Because I was working in Las Vegas at the time, my accounts got transfered to Oregon (figure that one out) instead of Northern California where my house is located. 

When I found out, I requested that my accounts be transfered to a Crescent City Cal FCU instead.  They told me they were unable to do that.  What the....?  They did it for everyone else, why not me?  Apparently everyone else went in a group transfer and they were unable to do that with just one or two accounts.  Sounds like an excuse to me. 

Since then, I have been blocked from my account, had double payments made, they deleted my online billpay history and deleted billpay accounts I had set up.  While they are 'very sorry for the inconvenience', there isn't much they can do about any of it. 

As soon as I can get back to my home, I am dumping them - and good riddance.  I have NEVER had this much trouble with any bank - even B of A if you can believe that....

Customer Focused, Yet Lacking Technologically

I worked for RFCU a few years back, as an employee, we were told to stay focused on providing quality customer service to "members" (we were required to say that, even when we were alone, also to remain focused and that they were all members of the union, NOT customers.)

The only drawback was the lack on technology the company used. A decent website, but a older system, which is frustrating for customers, specifically those who wanted to transfer funds quickly between the credit union and larger organizations, such as BoA.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Rogue Credit Union had $7.51 million in non-current loans and owned real-estate with $84.27 million in equity and loan loss allowances on hand to cover it. This gives Rogue Credit Union a Texas Ratio of 8.92% 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 Rogue Credit Union decreased dramatically from 25.21% as of March 31, 2013 to 8.92% as of March 31, 2014, resulting in a positive change of 64.63%.This indicates that the balance sheet and financial strength for Rogue Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Rogue Credit Union has increased its total deposits by $38.19 million, resulting in 5.07% 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 Rogue Credit Union has shown is excellent.



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. Rogue Credit Union has $881 million in assets with $84.27 million in equity, resulting in a capitalization level of 9.57%, which is above average.

Institution Statistics

NCUA #11393
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$881.00 million
Loans$618.23 million
Deposits$790.95 million
Equity Capital$78.45 million
Loan Loss Allowance$5.82 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$2.66 million
Historic Data - March 2013
Assets$830.12 million
Equity Capital$68.36 million
Loan Loss Allowance$6.75 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$2.42 million
Profit Margin - Quarterly
Net Interest Margin1.4%
Return on Assets1.35%
Return on Equity15.15%
Interest Income$10.21 million

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Rogue Credit Union Savings Account Rates

1.00%-$10kMoney Mammals
0.05%$100-Savings Account

Rogue Credit Union Money Market Rates

0.15%$10k-Money Maker Account

Rogue Credit Union Checking Account Rates

0.05%--Super Checking

Rogue Credit Union CD Rates

1.70%$100k-72 Month CD
1.50%$100k-60 Month CD
1.10%$100k-48 Month CD
1.00%$100k-36 Month CD
0.50%$2k-24 Month CD
0.30%$2k-12 Month CD
0.30%$100-12 Month Small Savers Add-On CD
0.30%$5k-24 Month Add-On CD Special
0.25%$2k-6 Month CD

Rogue Credit Union IRA Rates

1.70%$100k-72 Month IRA
1.50%$100k-60 Month IRA
1.10%$100k-48 Month IRA
1.00%$100k-36 Month IRA
0.50%$2k-24 Month IRA
0.30%$2k-12 Month IRA
0.30%$100-12 Month Small Savers Add-On IRA
0.30%$5k-24 Month Add-On IRA Special
0.25%$2k-6 Month IRA

Rogue Credit Union has 14 locations. Click to view all Rogue Credit Union locations.