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Oregon State Credit Union


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 5th largest credit union in the state of Oregon. It is also the 219th largest credit union in the nation. It was established in 1954 and as of June of 2023, it had grown to 291 employees and 140,762 members at 15 locations. Oregon State Credit Union's money market rates are 5X the national average, and it has a B+ 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 (3)

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.

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.

1

Nice credit union

Posted by: |

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.

3


Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68656
Year Chartered1954
Employees291
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD11.14%
Annual Interest Income$43.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.14B$2.14B
LoansQ2 2023vs Q2 2022$1.38B$1.25B
DepositsQ2 2023vs Q2 2022$1.93B$1.94B
Equity CapitalQ2 2023vs Q2 2022$181.1MM$167.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$7.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$10.1MM$5.4MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.96%--Health Savings Account
0.96%$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%$5-Individual Retirement Account
0.15%$100-Business Basic Savings

Oregon State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.16%*$100k*-Investor's Money Market Account
OTHER TIERS: 1.26% → $10k - $25k | 1.56% → $25k - $50k | 1.86% → $50k - $100k
2.16%*$100k*-Business Investor's Money Market
OTHER TIERS: 1.26% → $10k - $25k | 1.56% → $25k - $50k | 1.86% → $50k - $100k
0.96%--Money Market Account
0.96%--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
4.50%*$100k*-6-11 Month Premier Member Share Certificate
OTHER TIERS: 4.20% → $500 - $25k | 4.35% → $25k - $100k
4.25%*$100k*-12-23 Month Premier Member Share Certificate
OTHER TIERS: 3.95% → $500 - $25k | 4.10% → $25k - $100k
4.25%*$100k*-Business 6-11 Month Share Certificate
OTHER TIERS: 3.95% → $500 - $25k | 4.10% → $25k - $100k
4.00%*$100k*-Business 12-23 Month Share Certificate
OTHER TIERS: 3.70% → $500 - $25k | 3.85% → $25k - $100k
3.85%*$100k*-24-35 Month Premier Member Share Certificate
OTHER TIERS: 3.55% → $500 - $25k | 3.70% → $25k - $100k
3.75%*$100k*-36-47 Month Premier Member Share Certificate
OTHER TIERS: 3.45% → $500 - $25k | 3.60% → $25k - $100k
3.60%*$100k*-48-59 Month Premier Member Share Certificate
OTHER TIERS: 3.30% → $500 - $25k | 3.45% → $25k - $100k
3.60%*$100k*-Business 24-35 Month Share Certificate
OTHER TIERS: 3.30% → $500 - $25k | 3.45% → $25k - $100k
3.50%*$100k*-Business 36-47 Month Share Certificate
OTHER TIERS: 3.20% → $500 - $25k | 3.35% → $25k - $100k
3.45%*$100k*-60 Month Premier Member Share Certificate
OTHER TIERS: 3.15% → $500 - $25k | 3.30% → $25k - $100k
3.35%*$100k*-Business 48-59 Month Share Certificate
OTHER TIERS: 3.05% → $500 - $25k | 3.20% → $25k - $100k
3.20%*$100k*-Business 60 Month Share Certificate
OTHER TIERS: 2.90% → $500 - $25k | 3.05% → $25k - $100k

Oregon State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$100k*-6 - 11 Month Premier Member IRA Certificate
OTHER TIERS: 4.20% → $500 - $25k | 4.35% → $25k - $100k
4.25%*$100k*-12-23 Month Premier Member IRA Certificate
OTHER TIERS: 3.95% → $500 - $25k | 4.10% → $25k - $100k
3.85%*$100k*-24-35 Month Premier Member IRA Certificate
OTHER TIERS: 3.55% → $500 - $25k | 3.70% → $25k - $100k
3.75%*$100k*-36-47 Month Premier Member IRA Certificate
OTHER TIERS: 3.45% → $500 - $25k | 3.60% → $25k - $100k
3.60%*$100k*-48-59 Month Premier Member IRA Certificate
OTHER TIERS: 3.30% → $500 - $25k | 3.45% → $25k - $100k
3.45%*$100k*-60 Month Premier Member IRA Certificate
OTHER TIERS: 3.15% → $500 - $25k | 3.30% → $25k - $100k
Locations

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