Oregon Community Credit Union


Overview / Commentary
541-687-2347
2880 Chad Dr
Eugene, OR 97408

Oregon Community Credit Union is headquartered in Eugene and is the 3rd largest credit union in the state of Oregon. It is also the 136th largest credit union in the nation. It was established in 1981 and as of December of 2024, it had grown to 576 employees and 268,159 members at 17 locations. Oregon Community Credit Union's savings rates are 10X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Oregon Community Credit Union is open to the following to individuals (and their immediate family) who live or work anywhere in Washington State or in the Oregon counties of Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, or Yamhill. Employees/students of Oregon University and members of the Oregon University Alumni Association also qualify for membership, as do employees of Bi-Mart and the State of Oregon employees.
See current membership details

Reviews (3)

5.25% Is Misleading

Only the first $500 earns this rate.

OCCU 2 Year Interest Penalty For CD's 1 Year And Longer!!!

Posted by: |

I made the mistake of buying a large $ amount of 5 year CD's @ 3% yld in 2020 without paying attention to the small print: OCCU charges 730 days of interest for early withdrawal on CD's 1 year and greater The penalty is extremely punitive and prevents liquidation to reinvest at today's 5%+ rates. It's my mistake that I failed to do due diligence; I'm posting this for the benefit of others considering OCCU CD's.

DO NOT USE THIS BANK FOR A LOAN!

Posted by: |

The most frustrating process I have ever been though for an auto loan.
They have charged me for not having insurance on my car. while I had insurance on my car. I called them and provided proof of coverage during that time, and they said that there was nothing they could do to reverse the charges.
Next: The online platform is an uncharitable labyrinth. I set up auto pay with my bank and it does not give you the option to make a direct payment.
I had monthly payments going into the "savings" account but not into my loan. I have to wait for my auto payment to go through and then go online and transfer from my savings to my loan...
Next, I tried to fix this, and they started charging my other bank account. Fix right? Nope not at OCCU, they pulled from both of my accounts this month. So now I am paying double monthly car payments because their website was built during the DOT com boom and hasn't been updated since 1992.
I will be refinancing with literally any other institution asap. Worst mistake I could have possibly made when choosing a financial institution. I think a loan shark would have been a more painless process.

DO NOT USE THIS BANK FOR A LOAN!



Health

Health Grade Components

Overall
NCUA #65856
Year Chartered1981
Employees576
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.87%
Annual Interest Income$210.3MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$3.41B$3.33B
LoansQ4 2024vs Q4 2023$3.06B$3B
DepositsQ4 2024vs Q4 2023$2.82B$2.69B
Equity CapitalQ4 2024vs Q4 2023$346.5MM$318.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$51.1MM$42.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$73.8MM$44.6MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Oregon Community 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.

Oregon Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%*$0$500Ignite Savings
OTHER TIERS: 0.15% $25k+ | 0.50% $5k - $25k | 1.00% $2.5k - $5k | 2.96% $500 - $2.5k
0.05%$5-Primary Savings
0.05%$0-Secondary Savings
0.05%$5-Business Share Savings

Oregon Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$1m*-Business Money Market
OTHER TIERS: 1.00% $500 - $5k | 1.30% $5k - $10k | 1.75% $10k - $50k | 2.00% $50k - $100k | 2.15% $100k - $250k | 2.30% $250k - $1m
1.10%*$250k*-Money Market
OTHER TIERS: 0.50% $500 - $5k | 1.00% $5k - $250k

Oregon Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%$0-IOLTA Checking
2.00%*$0$20kRemarkable Checking
OTHER TIERS: 0.20% $20k+
0.45%$0-Optimum Business Checking
0.05%$3k-Thrive Business Checking

Oregon Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-13 Month CD special
4.25%$500-Business 13 Month CD special
4.00%$500-7 Month CD special
4.00%$500-Business 7 Month CD special
3.10%$100k-18 Month Jumbo CD
3.10%$100k-60 Month Jumbo CD
3.10%$100k-Business 18 Month Jumbo CD
3.10%$100k-Business 60 Month Jumbo CD
3.00%$500-18 Month CD
3.00%$500-60 Month CD
3.00%$500-Business 60 Month CD
3.00%$500-Business 18 Month CD
2.95%$100k-36 Month Jumbo CD
2.95%$100k-Business 36 Month Jumbo CD
2.95%$100k-Business 48 Month Jumbo CD
2.95%$100k-48 Month Jumbo CD
2.85%$500-36 Month CD
2.85%$500-Business 36 Month CD
2.85%$500-Business 48 Month CD
2.85%$100k-Business 24 Month Jumbo CD
2.85%$100k-24 Month Jumbo CD
2.85%$500-48 Month CD
2.75%$500-Business 24 Month CD
2.75%$500-24 Month CD
1.90%$100k-12 Month Jumbo CD
1.90%$100k-Business 12 Month Jumbo CD
1.80%$500-12 Month CD
1.80%$500-Business 12 Month CD
0.85%$100k-6 Month Jumbo CD
0.85%$100k-Business 6 Month Jumbo CD
0.75%$500-6 Month CD
0.75%$500-Business 6 Month CD

Oregon Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-13 Month IRA Special
4.00%$500-7 Month IRA Special
3.20%$100k-18 Month Jumbo IRA
3.20%$100k-60 Month Jumbo IRA
3.10%$500-18 Month IRA
3.10%$500-60 Month IRA
3.05%$100k-36 Month Jumbo IRA
3.05%$100k-48 Month Jumbo IRA
2.95%$500-36 Month IRA
2.95%$100k-24 Month Jumbo IRA
2.95%$500-48 Month IRA
2.85%$500-24 Month IRA
2.00%$100k-12 Month Jumbo IRA
1.90%$500-12 Month IRA
1.20%*$100k*-Premier IRA Savings
OTHER TIERS: 1.00% $0 - $25k | 1.10% $25k - $100k
0.95%$100k-6 Month Jumbo IRA
0.85%$500-6 Month IRA
Locations

Availability

Portland Area

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