Our Community Credit Union

Overview / Commentary
526 W Cedar St
Shelton, WA 98584

Our Community Credit Union is headquartered in Shelton and is the 24th largest credit union in the state of Washington. It is also the 661st largest credit union in the nation. It was established in 1941 and as of December of 2022, it had grown to 93 employees and 30,870 members at 8 locations. Our Community Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in the state of Washington.
See current membership details

Reviews (3)

Our Community Credit Union, Shelton, WA

Posted by: |

I have done business with this credit union since 1974. I love it. I have never had anything but great service, always! I feel very safe and secure putting my money here. I have used all their services over the years and have not one complaint. I am grateful that it is available for me to use in this small town. They do an excellent job and are listed at number 25 of the top 200 credit unions in the country-congratulations OCCU and thank you!

Horrible Credit Union In NW

Posted by: |

I wanted to buy another car from a Daytona Auto in Lynnwood but when I went there to test drive the car wasn't good so I called the credit Union to stop the transaction. They refused. Now, may 1st. I got a notification that they did hard pull of mortgage finance but I wasn't buying any house, so May 2nd, I called them and they transferred me to Ruth who told me that they have the right to pull my credit whenever they want. Don't do business with such credit unions

Worst Credit Union Ever

Posted by: |

I just have to say right off the bat this is the worst credit union ever. The worst customer service I have ever dealt with. They boldly lie to your face, double pull from your account for the same thing without any reason just so they can get their money quicker. I have moved everything from their credit union to another and now I'm happy again. Years ago they were simpson credit union and now they have changed owners and have become the worst credit union I have ever dealt with. The people in my town agree as well.


Health Grade Components

NCUA #68609
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD11.65%
Annual Interest Income$16.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$590.5MM$583.3MM
LoansQ4 2022vs Q4 2021$251.0MM$197.3MM
DepositsQ4 2022vs Q4 2021$523.3MM$523.8MM
Equity CapitalQ4 2022vs Q4 2021$50.6MM$55.2MM
Loan Loss AllowanceQ4 2022vs Q4 2021$1.1MM$1.3MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$1.2MM$406.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Our Community Credit Union Savings Account Rates

0.50%$50-IRA Savings
OTHER TIERS: 0.05% $1k - $10k
0.10%*$10k*-Business Savings
OTHER TIERS: 0.05% $1k - $10k
0.10%*$10k*-Youth Savings
OTHER TIERS: 0.05% $1k - $10k

Our Community Credit Union Checking Account Rates

0.20%*$100k*-Premium Checking
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k
0.20%*$100k*-Plus Checking
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k
0.20%*$100k*-Business Checking
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k
0.20%*$100k*-Organizational Checking
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k

Our Community Credit Union CD Rates

3.75%$1k-6 Month Bump Share Certificate
3.50%$1k-2 Year Bump Share Certificate
3.00%$1k-1 Year Bump Share Certificate
3.00%$500-1 Year Launch Savings Bump Certificate
3.00%$1k-13 Month Share Certificate
2.45%$1k-4 Year Share Certificate
2.35%$1k-3 Year Share Certificate

Our Community Credit Union IRA Rates

3.75%$1k-6 Month Bump IRA Certificate
3.50%$1k-2 Year Bump IRA Certificate
3.00%$1k-1 Year Bump IRA Certificate
3.00%$1k-13 Month IRA Certificate
2.45%$1k-4 Year IRA Certificate
2.35%$1k-3 Year IRA Certificate

Our Community Credit Union Locations
Branch Office306 S 7th Street PO BOX 618Elma, WA 98541
Branch Office320 E Dalby Rd Ste AUnion, WA 98592
Branch Office211 E Pioneer Ave STE BMontesano, WA 98563
Branch Office526 W Cedar StShelton, WA 98584
Branch Office2948 Olympic Hwy NShelton, WA 98584
Branch Office424 W Simpson AveMcCleary, WA 98557
Branch Office9710 SW Bank Rd PO BOX 1529Vashon, WA 98070
Branch Office6541 Sexton Dr NW Ste 103Olympia, WA 98502-9222

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