OE Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

oefederal.org

866-233-9473

250 N Canyons Pkwy
Livermore, CA 94551

OE Federal Credit Union is headquartered in Livermore and is the 43^rd largest credit union in the state of California. It is also the 307^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 199 employees and 115,121 members at 27 locations. OE Federal Credit Union's CD rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

OE Federal Credit Union is open to (1) employees, miners, and public employees of Operating Engineers Local #3; (2) members of Operating Engineers Local Union #9, Operating Engineers Local Union #428, Napa Solano Building Trades Council, Laborers' Local 294, Iron Workers Local Union #27, and over 100 other trade unions; (2) employees of American Diversified Pharmacies, Inc, United Workers for Local Government, Consolidated Engineering Laboratories, and over 50 Signatory or Affiliated Groups.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24235
Year Chartered	1963
Employees	199
Primary Regulator

Profit Margin
Return on Assets - YTD	0.55%
Return on Equity - YTD	4.11%
Annual Interest Income	$16.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.54B$1.48B
Loans	Q1 2025vs Q1 2024	$841.6MM$870.4MM
Deposits	Q1 2025vs Q1 2024	$1.32B$1.28B
Equity Capital	Q1 2025vs Q1 2024	$206MM$180.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10.3MM$10.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.9MM$4.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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

OE Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$50k^*	-	Youth Share Savings
OTHER TIERS: 0.10% → $100 - $20k \| 0.12% → $20k - $50k
0.12%^*	$50k^*	-	CESA Share Account
OTHER TIERS: 0.08% → $100 - $5k \| 0.09% → $5k - $20k \| 0.10% → $20k - $50k
0.07%^*	$50k^*	-	Regular Share Savings
OTHER TIERS: 0.03% → $100 - $5k \| 0.04% → $5k - $20k \| 0.05% → $20k - $50k

OE Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$250k^*	-	Money Market
OTHER TIERS: 0.60% → $1k - $10k \| 0.65% → $10k - $50k \| 0.70% → $50k - $100k \| 0.75% → $100k - $250k

OE Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$2.5k^*	-	Checking
OTHER TIERS: 0.03% → $100 - $2.5k
0.05%	$2.5k	-	Business Checking

OE Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	12 Month Tax Deferred CD
4.00%	$1k	-	6 Month CD
4.00%	$1k	-	12 Month CD
3.90%	$1k	-	3 Month CD
3.50%	$1k	-	18 Month CD
3.25%	$1k	-	24 Month CD
3.25%	$1k	-	36 Month CD
3.25%	$1k	-	48 Month CD
3.25%	$1k	-	60 Month CD

OE Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	6 Month IRA
4.00%	$1k	-	12 Month IRA
4.00%	$1k	-	6 Month CESA IRA
4.00%	$1k	-	12 Month CESA IRA
3.90%	$1k	-	3 Month IRA
3.90%	$1k	-	3 Month CESA IRA
3.50%	$1k	-	18 Month IRA
3.50%	$1k	-	18 Month CESA IRA
3.25%	$1k	-	24 Month IRA
3.25%	$1k	-	36 Month IRA
3.25%	$1k	-	48 Month IRA
3.25%	$1k	-	60 Month IRA
3.25%	$1k	-	24 Month CESA IRA
3.25%	$1k	-	36 Month CESA IRA
3.25%	$1k	-	48 Month CESA IRA
3.25%	$1k	-	60 Month CESA IRA
0.12%^*	$50k^*	-	IRA Share Account
OTHER TIERS: 0.08% → $100 - $5k \| 0.09% → $5k - $20k \| 0.10% → $20k - $50k

Locations

Availability

Sacramento Area

Sacramento Area bank & credit union details

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