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OE Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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 43rd largest credit union in the state of California. It is also the 307th 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 Chartered1963
Employees199
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.11%
Annual Interest Income$16.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.54B$1.48B
LoansQ1 2025vs Q1 2024$841.6MM$870.4MM
DepositsQ1 2025vs Q1 2024$1.32B$1.28B
Equity CapitalQ1 2025vs Q1 2024$206MM$180.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.3MM$10.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.9MM$4.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$2.5k*-Checking
OTHER TIERS: 0.03% → $100 - $2.5k
0.05%$2.5k-Business Checking

OE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
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