Old West Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 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

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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 20^th largest credit union in the state of Oregon. It is also the 1,048^th largest credit union in the nation. It was established in 1957 and as of December of 2024, it had grown to 80 employees and 15,264 members at 8 locations. Old West Federal Credit Union's CD rates are 4X the national average, and it has a B 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

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	12012
Year Chartered	1957
Employees	80
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	5.76%
Annual Interest Income	$14.2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$286.2MM$291.8MM
Loans	Q4 2024vs Q4 2023	$193.3MM$191.1MM
Deposits	Q4 2024vs Q4 2023	$249.3MM$255.7MM
Equity Capital	Q4 2024vs Q4 2023	$24.4MM$23.2MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.3MM$2.4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$3.2MM$4.5MM
Real Estate Owned	Q4 2024vs Q4 2023	$66K$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.

Old West Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$0	$25k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$0	-	Money Market Account
0.30%	$0	-	Business Money Market Account

Old West Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.12%	$0	$20k	Kasasa Cash

Old West Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	1739 N 1st St	Hermiston, OR 97838
Branch Office	2036 Broadway St	Baker City, OR 97814-3342
Branch Office	650 W Main St	John Day, OR 97845
Branch Office	301 S Main St	Pendleton, OR 97801-2245
Branch Office	162 NW Front St	Prairie City, OR 97869-2063
Branch Office	3 Depot St	La Grande, OR 97850
Branch Office	539 S Main St	Union, OR 97883
Branch Office	937 Oregon Ave	Burns, OR 97720-2309

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