Oregon State Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.35% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.05% | Savings | 2.20% - Barclays Online Savings Account |
| 2.30% | 4-year CD | 2.90% - Barclays 48 Month Online CD |
Oregon State Credit Union is headquartered in Corvallis and is the 6th largest credit union in the state of Oregon. It is also the 232nd largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 238 employees and 113,184 members at 14 locations. Oregon State Credit Union's money market rates are 70% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Membership in Oregon State Credit Union is open to those who live or work in enton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, Wasco, and Yamhil Counties in Oregon.
See current membership details
About As Good As It Gets
OSU Federal Credit Union is the best financial institution I have ever worked with. To begin with, many banks and credit unions these days will not allow you to have an account with them if your credit history is not superb. With OSU, there was never a mention of my poor history, even though they ran a thorough credit check on me. Opening the account was quick and easy. One thing that really surprised (and pleased) me is that they produced my debit card at the bank and handed it to me on the spot. No waiting and worrying over a card being lost in the mail. This credit union has a high employee retention rate, so the workers get to know you very fast, which makes all in-person transactions fast and friendly. To be honest, the ONLY problem I have ever had with this institution is their overdraft fees ($28). However, their fees are less than many other institutions, so I honestly have no right to complain - particularly since the overdraft was my fault to begin with. Their online banking setup is great and there is even an after-hours clerk who can perform many functions for you. All in all, I have always recommended OSU to friends and family and will continue to do so. I'm surprised as how pleased I have always been with them, particularly since so many other banks and credit unions are, simply, horrible.
Nice credit union
I joined this credit union just after I moved to Corvallis, Oregon. I've always belonged to a credit union as I do not like large banks. The credit union I used to have back in Ohio was the greatest so Oregon State CU had to be pretty good to compete. I was not disappointed. It took only a moment to open checkings and savings accounts.They have 2 convenient locations, the staff is friendly and their web services and website are top notch. I've been super impressed so far and I plan to continue to use them as long as I can. I have not used their CD's or bill pay services yet but I have heard they are great. I do most of my banking online but the few times I went to their location, the service was fast and friendly.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68656 |
| Year Chartered | 1954 |
| Employees | 238 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.06% |
| Return on Equity - YTD | 9.95% |
| Annual Interest Income | $44.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.32B$1.19B |
| Loans | Q4 2018vs Q4 2017 | $1.05B$886.6MM |
| Deposits | Q4 2018vs Q4 2017 | $1.12B$1.04B |
| Equity Capital | Q4 2018vs Q4 2017 | $139.9MM$127.2MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $5.2MM$2.8MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $3.3MM$4.0MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$89.00K |
Always verify rates and promotions with the bank or credit union. We are not Oregon State 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 State Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | - | - | Health Savings Account | |
| 0.05% | $100 | - | Basic Savings Account | |
| 0.05% | $5 | - | Scottie Savers Account | |
| 0.05% | $5 | - | TLT (Teen) Savings Account | |
| 0.05% | $5 | - | Individual Retirement Account | |
| 0.05% | $100 | - | Business Basic Savings |
Oregon State Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $100k* | - | Investor's Money Market Account | ||
| OTHER TIERS: 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k | |||||
| 0.75%* | $100k* | - | Business Investor's Money Market | ||
| OTHER TIERS: 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k | |||||
| 0.20% | - | - | Money Market Account | ||
| 0.20% | - | - | Business Money Market | ||
Oregon State Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%* | $100k* | - | Select Business Checking | ||
| OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | |||||
| 0.03% | $1k | - | Platinum Checking Account | ||
| 0.03% | $1k | - | Smart Business Checking | ||
Oregon State Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.30%* | $100k* | - | 48 - 60 Month Certificate | ||
| OTHER TIERS: 2.00% → $500 - $25k | 2.20% → $25k - $100k | |||||
| 2.10%* | $100k* | - | 36 - 48 Month Certificate | ||
| OTHER TIERS: 1.80% → $500 - $25k | 2.00% → $25k - $100k | |||||
| 2.05%* | $100k* | - | Business 48-60 Months Certificate | ||
| OTHER TIERS: 1.75% → $500 - $25k | 1.95% → $25k - $100k | |||||
| 1.95%* | $100k* | - | 24 - 36 Month Certificate | ||
| OTHER TIERS: 1.65% → $500 - $25k | 1.85% → $25k - $100k | |||||
| 1.85%* | $100k* | - | Business 36-48 Months Certificate | ||
| OTHER TIERS: 1.55% → $500 - $25k | 1.75% → $25k - $100k | |||||
| 1.70%* | $100k* | - | Business 24-36 Months Certificate | ||
| OTHER TIERS: 1.40% → $500 - $25k | 1.60% → $25k - $100k | |||||
| 1.35%* | $100k* | - | 12 - 24 Month Certificate | ||
| OTHER TIERS: 1.05% → $500 - $25k | 1.25% → $25k - $100k | |||||
| 1.10%* | $100k* | - | Business 12-24 Months Certificate | ||
| OTHER TIERS: 0.80% → $500 - $25k | 1.00% → $25k - $100k | |||||
| 1.00%* | $100k* | - | 182 - 364 Day Certificate | ||
| OTHER TIERS: 0.55% → $500 - $25k | 0.75% → $25k - $100k | |||||
| 0.75%* | $100k* | - | Business 182-364 Days Certificate | ||
| OTHER TIERS: 0.30% → $500 - $25k | 0.50% → $25k - $100k | |||||
Oregon State Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.30%* | $100k* | - | 48 - 60 Month IRA Certificate | ||
| OTHER TIERS: 2.00% → $500 - $25k | 2.20% → $25k - $100k | |||||
| 2.10%* | $100k* | - | 36 - 48 Month IRA Certificate | ||
| OTHER TIERS: 1.80% → $500 - $25k | 2.00% → $25k - $100k | |||||
| 1.95%* | $100k* | - | 24 - 36 Month IRA Certificate | ||
| OTHER TIERS: 1.65% → $500 - $25k | 1.85% → $25k - $100k | |||||
| 1.35%* | $100k* | - | 12 - 24 Month IRA Certificate | ||
| OTHER TIERS: 1.05% → $500 - $25k | 1.25% → $25k - $100k | |||||
