Our Community Credit Union

Overview / Commentary

www.ourcu.com

800-426-5657

526 W Cedar St
Shelton, WA 98584

Our Community Credit Union is headquartered in Shelton and is the 24^th largest credit union in the state of Washington. It is also the 670^th largest credit union in the nation. It was established in 1941 and as of September of 2019, it had grown to 101 employees and 33,008 members at 8 locations. Our Community Credit Union's CD rates are 67% higher than the national average, and it boasts an A+ 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

View all posts from:

2012

1/25 - Competitive CD Rates at Our Community Credit Union - WA State Only

Reviews (2)

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Our Community Credit Union, Shelton, WA

Posted by: NorthStar | Apr 7, 2018

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!

Comment

Worst Credit Union Ever

Posted by: ChrisW | Feb 27, 2015

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

A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68609
Year Chartered	1941
Employees	101
Primary Regulator

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	8.89%
Annual Interest Income	$12.0MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$409.9MM$394.2MM
Loans	Q3 2019vs Q3 2018	$164.4MM$167.3MM
Deposits	Q3 2019vs Q3 2018	$355.4MM$333.2MM
Equity Capital	Q3 2019vs Q3 2018	$51.9MM$46.3MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$1.1MM$1.2MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$336.00K$237.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Our Community 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.

Our Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$50	-	IRA Savings
0.30%^*	$10k^*	-	Savings
OTHER TIERS: 0.10% → $1k - $10k
0.30%^*	$10k^*	-	Business Savings
OTHER TIERS: 0.10% → $1k - $10k
0.30%^*	$10k^*	-	Youth Savings
OTHER TIERS: 0.10% → $1k - $10k

Our Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$100k^*	-	Premium Checking
OTHER TIERS: 0.10% → $1k - $20k \| 0.30% → $20k - $100k
0.40%^*	$100k^*	-	Plus Checking
OTHER TIERS: 0.10% → $1k - $20k \| 0.30% → $20k - $100k
0.40%^*	$100k^*	-	e-Checking
OTHER TIERS: 0.10% → $1k - $20k \| 0.30% → $20k - $100k
0.40%^*	$100k^*	-	Business Checking
OTHER TIERS: 0.10% → $1k - $20k \| 0.30% → $20k - $100k
0.40%^*	$100k^*	-	Organizational Checking
OTHER TIERS: 0.10% → $1k - $20k \| 0.30% → $20k - $100k

Our Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$1k	-	4 Year Share Certificate
2.15%	$1k	-	3 Year Share Certificate
2.15%	$1k	-	17 Month CD Promotion - New Money
1.85%	$1k	-	2 Year Bump Share Certificate
1.50%	$1k	-	1 Year Bump Share Certificate
1.10%	$500	-	1 Year Launch Savings Bump Certificate
0.90%	$1k	-	6 Month Bump Share Certificate

Our Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$1k	-	4 Year IRA Certificate
2.15%	$1k	-	3 Year IRA Certificate
1.85%	$1k	-	2 Year Bump IRA Certificate
1.50%	$1k	-	6 Month Bump IRA Certificate
1.50%	$1k	-	1 Year Bump IRA Certificate

Locations

Our Community Credit Union Locations
Branch Office	306 S 7th Street PO BOX 618	Elma, WA 98541
Branch Office	320 E Dalby Rd Ste A	Union, WA 98592
Branch Office	211 E Pioneer Ave STE B	Montesano, WA 98563
Branch Office	526 W Cedar St	Shelton, WA 98584
Branch Office	2948 Olympic Hwy N	Shelton, WA 98584
Branch Office	424 W Simpson Ave	McCleary, WA 98557
Branch Office	9710 SW Bank Rd PO BOX 1529	Vashon, WA 98070
Branch Office	6541 Sexton Dr NW Ste 103	Olympia, WA 98502-9222

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.