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Oregon State Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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 7/13/2025
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 7/13/2025
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.oregonstatecu.com
800-732-0173
4800 SW Research Way
Corvallis, OR 97333

Oregon State Credit Union is headquartered in Corvallis and is the 6th largest credit union in the state of Oregon. It is also the 179th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 308 employees and 148,253 members at 15 locations. Oregon State Credit Union's savings rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Oregon State Credit Union is open to those who live or work in the Oregon counties of Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, Wasco or Yamhill.
See current membership details

Reviews (1)

Bill From Dallas

Posted by: |

More than five years with OSCU and have had no problems with customer service or account issues. Quite the contrary. They paid serious attention when I had a problem with a VPN vendor and returned the money to my credit card the vendor would not do. Getting almost 5% interest on a short 8 mo. CD and I sure like that. They always promptly respond to any inquiry I have and even gave me access to the general council and chief financial officer to ask my questions. Unlike WAFD, OSCU has NOT been recently downgraded by Moody's. I like my OSCU.

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68656
Year Chartered1954
Employees308
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD11.13%
Annual Interest Income$31.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.64B$2.26B
LoansQ1 2025vs Q1 2024$1.63B$1.48B
DepositsQ1 2025vs Q1 2024$2.12B$2.02B
Equity CapitalQ1 2025vs Q1 2024$241.8MM$198.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$18.5MM$19.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7.8MM$10MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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 7/13/2025
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 7/13/2025
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oregon State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$1kHigh Yield Savings
OTHER TIERS: 1.00% → $1k+
1.00%$0-Health Savings Account
1.00%$100-First-time Homebuyer Savings account
0.15%$100-Basic Savings Account
0.15%$5-Scottie Savers Account
0.15%$5-TLT (Teen) Savings Account
0.15%$100-Business Basic Savings

Oregon State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$100k*-Investor's Money Market Account
OTHER TIERS: 1.45% → $10k - $25k | 1.50% → $25k - $50k | 1.70% → $50k - $100k
1.75%*$100k*-Business Investor's Money Market
OTHER TIERS: 1.45% → $10k - $25k | 1.50% → $25k - $50k | 1.70% → $50k - $100k
1.00%$1k-Money Market Account
1.00%$1k-Business Money Market

Oregon State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Select Business Checking
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k
0.05%$1k-Platinum Checking Account
0.05%$1k-Smart Business Checking

Oregon State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$250-8 Month Bump-Up Certificate Special
4.20%$500-12-23 Month Premier Member Share Certificate
4.00%$500-6-11 Month Premier Member Share Certificate
4.00%$250-3 Month Add-On Certificate Special
3.95%$500-Business 12-23 Month Share Certificate
3.75%$500-Business 6-11 Month Share Certificate
3.60%$500-9 Month Share Certificate - Online Only
3.56%$500-6 Month Add On Share Certificate
3.45%$500-24-35 Month Premier Member Share Certificate
3.25%$500-60 Month Premier Member Share Certificate
3.25%$500-36-47 Month Premier Member Share Certificate
3.25%$500-48-59 Month Premier Member Share Certificate
3.25%$500-18 Month Share Certificate - Online Only
3.20%$500-Business 24-35 Month Share Certificate
3.00%$500-Business 36-47 Month Share Certificate
3.00%$500-Business 48-59 Month Share Certificate
3.00%$500-Business 60 Month Share Certificate

Oregon State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$500-12-23 Month Premier Member IRA Certificate
4.00%$500-6 - 11 Month Premier Member IRA Certificate
3.45%$500-24-35 Month Premier Member IRA Certificate
3.25%$500-60 Month Premier Member IRA Certificate
3.25%$500-36-47 Month Premier Member IRA Certificate
3.25%$500-48-59 Month Premier Member IRA Certificate
0.15%$5-Individual Retirement Account
Locations

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