Maps Credit Union

Overview / Commentary
451 Division St NE
Salem, OR 97301

Maps Credit Union is headquartered in Salem and is the 11th largest credit union in the state of Oregon. It is also the 344th largest credit union in the nation. It was established in 1936 and as of September of 2022, it had grown to 301 employees and 74,436 members at 12 locations. Maps Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Maps Credit Union is open to those who live or work in the Willamette Valley Basin in Oregon.
See current membership details

Reviews (5)

Overall friendly, but poor website

Posted by: |

MAPSCU has an overall friendly atmosphere and generally helpful staff members. I usually never have any issues when I go into their local branch, however, using their mobile site is difficult at times. They have a very smooth and easy site but it seems to be down for maintenance a lot of the time and isn't always accurately reflecting the correct amount in the bank accounts. I also think that their fees are really high for overdraft clocking in at $35 a pop, but they don't really charge fees for anything else so I suppose that's good. It's difficult to get them to waive the fees even when it's their own algorithm that prioritized the deposits incorrectly and it costs the consumer money when it shouldn't cost anyone money. Although they don't charge for things that bigger banks charge for usually so that's why I tend to use them. Overall I'm satisfied with them, however I think they could change a few things and make their mobile site more effective and work more consistently.

Reasonable with a side of inexperience

Posted by: |

I used this credit union for a really long time due to it being local, and therefore having a lowered fee rate. I'm overall really pleased with how they handle overdraft fees. They're usually really low, and sometimes they'll wave them for you if you have a legitimate reason for an issue to have arisen. One of the issues I did have with this bank was that they employ a lot of new tellers, and there seems to be a quick turnaround rate. So, for example, I had my fiance go to deposit a pretty hefty check of mine, and there were some steps that the teller missed and he had to remind them of, and they were rather crucial steps. So that was a very unnerving experience, but that's the only time something like that has ever happened. Other than that minor snafu, the checking accounts and savings accounts are probably the banks best feature, as they are free and require no monthly activity or fee to operate.

Maps Credit Union

I have never had an unpleasant experience when visiting my local branch of Maps Credit Union in Salem, Oregon. The people are always in an upbeat and positive mood, the lighting and layout are well thought out for the ease and protection of the client, and that is it you are treated more like a client, than a customer or consumer visiting for a deposit or withdrawal. No, they make the experience more old fashioned, most teller know you by name and greet you immediately when you come in! Not to mention they have a great little coffee area to get yourself something if you are waiting on a loan or more timely business. I enjoy doing my banking with such a pleasant example of true customer service, which is why I bank at Maps Credit Union.

Average at best

There are so few banks or credit unions that offer actual free checking but MAPS is one of the last bastions of the free checking account! They have a great kids savings plan, too. My kids love that they get free stickers every time we come through the drive through station. The downside is limited hours compared to banks that are in grocery stores but the free checking makes it all worth it. You can check your balance or make transfers using their app on your smart phone. That is when the app is working. Going in and speaking to a teller is hit or miss. Some are organized and efficient while others take forever.

Terrible customer service

The last time I dealt with maps credit union, they had charged me an overdraft fee for something that was their fault. I had a pending payment that didn't show up on their online platform, but was registering in their database, which caused me to not know what my balance is. Then they rearranged my withdrawals so that that they could charge me FOUR separate overdraft fees instead of one. When I called them, they blamed me and only were willing to wave one of the fees. Another time that I had to deal with them, I had given a check for approximately $3,000.00 to my fiance to cash in an account that doesn't have my name on it, and they cashed it without even asking who it belonged to. Someone could have stolen my money! They have shady business practices, and they are rude to customers. They only care about the bottom line.


Health Grade Components

NCUA #64166
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD14.97%
Annual Interest Income$28.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$1.30B$1.20B
LoansQ3 2022vs Q3 2021$920.2MM$748.9MM
DepositsQ3 2022vs Q3 2021$1.16B$1.08B
Equity CapitalQ3 2022vs Q3 2021$117.7MM$106.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$3.9MM$2.7MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.6MM$1.8MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Maps Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Maps Credit Union Savings Account Rates

5.00%--Member Rewards Savings
0.20%--Premier IRA
0.20%--Monthly IRA Share
0.15%--IRA Savings
0.02%$100-Share Savings
0.02%--Youth Savings
0.02%--Christmas Club
0.02%$100-Business Share Savings
0.02%$100-Membership Savings Account

Maps Credit Union Money Market Rates

3.00%*$1m*-Advanced Business Money Market
OTHER TIERS: 0.10% Up to $10k | 0.50% $10k - $100k | 1.00% $100k - $250k | 1.25% $250k - $500k | 2.00% $500k - $750k | 2.50% $750k - $1m
2.00%*$100k*-Premium Money Market
OTHER TIERS: 0.10% $1 - $10k | 0.15% $10k - $50k | 1.50% $50k - $100k
0.15%*$100k*-Market Investor
OTHER TIERS: 0.01% $100 - $10k | 0.05% $10k - $50k | 0.10% $50k - $100k
0.15%*$100k*-Business Market Investor
OTHER TIERS: 0.01% $1k - $10k | 0.05% $10k - $50k | 0.10% $50k - $100k

Maps Credit Union Checking Account Rates

0.20%*$10k*-President’s Club Checking
OTHER TIERS: 0.15% $750 - $10k
0.10%$1.5k-Advanced Business Checking
0.05%$1.5k-Growth Business Checking
0.01%$750-Dividend Option Checking
0.01%$750-Passport (55+) Checking

Maps Credit Union CD Rates

0.45%$1k-60 Month CD
0.40%$1k-48 Month CD
0.30%$1k-36 Month CD
0.30%$1k-30 Month CD
0.25%$1k-24 Month CD
0.25%$1k-Business 24 Month CD
0.20%$1k-18 Month CD
0.20%$1k-12 Month CD
0.20%$1k-Business 18 Month CD
0.15%$100-12 Month First Step CD
0.15%$1k-Business 12 Month CD
0.10%$1k-6 Month CD
0.10%$1k-Business 6 Month CD
0.05%$1k-3 Month CD

Maps Credit Union IRA Rates

0.45%$1k-60 Month IRA
0.40%$1k-48 Month IRA
0.30%$1k-36 Month IRA
0.30%$1k-30 Month IRA
0.25%$1k-24 Month IRA
0.20%$1k-12 Month IRA
0.20%$1k-18 Month IRA
0.15%$100-12 months First Step CESA
0.10%$1k-6 Month IRA


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