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Old West Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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 7/9/2025
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 7/9/2025
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 7/9/2025
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
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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
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
www.oldwestfcu.org
541-575-0264
650 W Main St
John Day, OR 97845

Old West Federal Credit Union is headquartered in John Day and is the 20th largest credit union in the state of Oregon. It is also the 1,044th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 78 employees and 15,363 members at 8 locations. Old West Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Old West Federal Credit Union is open to those who live, work, own property, worship, or has an immediate family member living in the Oregon counties of Baker, Grant, Harney Morrow, Umatilla, Union, Wallowa, or Wheeler.
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 #12012
Year Chartered1957
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD6.34%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$296MM$286.3MM
LoansQ1 2025vs Q1 2024$188.8MM$189.9MM
DepositsQ1 2025vs Q1 2024$258.6MM$249.9MM
Equity CapitalQ1 2025vs Q1 2024$25.6MM$23.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.3MM$2.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.3MM$4.4MM
Real Estate OwnedQ1 2025vs Q1 2024$66K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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 7/9/2025
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 7/9/2025
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 7/9/2025
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
APY APY = Annual Percentage Yield Rates as of 7/9/2025
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
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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Always verify rates and promotions with the bank or credit union. We are not Old West Federal 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.

Old West Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$0$25kKasasa Saver
OTHER TIERS: 0.25% → $25k+
0.15%$0-Christmas Club Savings
0.02%$25-Personal Savings

Old West Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$0-Money Market Account
0.30%$0-Business Money Market Account

Old West Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%$0$20kKasasa Cash

Old West Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-12 Month CD
3.50%$500-18 Month CD
3.25%$500-30 Month CD
3.00%$500-36 Month CD
2.75%$500-48 Month CD
2.50%$500-60 Month CD

Old West Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-12 Month IRA
3.50%$500-18 Month IRA
3.25%$500-30 Month IRA
3.04%$0-Open IRA
3.04%$0-Coverdell Educational Savings
3.00%$500-36 Month IRA
2.75%$500-48 Month IRA
2.50%$500-60 Month IRA
Locations


Old West Federal Credit Union Locations
Branch Office1739 N 1st StHermiston, OR 97838
Branch Office2036 Broadway StBaker City, OR 97814-3342
Branch Office650 W Main StJohn Day, OR 97845
Branch Office301 S Main StPendleton, OR 97801-2245
Branch Office162 NW Front StPrairie City, OR 97869-2063
Branch Office3 Depot StLa Grande, OR 97850
Branch Office539 S Main StUnion, OR 97883
Branch Office937 Oregon AveBurns, OR 97720-2309

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