Oregon State Credit Union

Overview / Commentary
4800 SW Research Way
Corvallis, OR 97333

Oregon State Credit Union is headquartered in Corvallis and is the 5th largest credit union in the state of Oregon. It is also the 201st largest credit union in the nation. It was established in 1954 and as of September of 2022, it had grown to 275 employees and 138,191 members at 15 locations. Oregon State Credit Union has an A health rating.

Field of Membership Restrictions

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

Reviews (2)

About As Good As It Gets

Posted by: |

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.


Health Grade Components

NCUA #68656
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.57%
Return on Equity - YTD19.58%
Annual Interest Income$52.4MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.15B$2.04B
LoansQ3 2022vs Q3 2021$1.34B$1.16B
DepositsQ3 2022vs Q3 2021$1.94B$1.80B
Equity CapitalQ3 2022vs Q3 2021$172.2MM$210.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$7.3MM$8.0MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$6.3MM$3.5MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Oregon State Credit Union are currently being reviewed.



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