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Old West Federal Credit Union

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Old West Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Old West Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Old West Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.90%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 3.75%. Savings rates are at 1.00% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to Old West Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Old West Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.71%. Rates were last updated on 05/15/2026.

Old West Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Old West Federal Credit Union? Share your experience about Old West Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Old West Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.71%

Excellent Higher than avg

Old West Federal Credit Union
John Day Branch

650 W Main St
John Day, OR 97845

https://oldwestfcu.com

Current Rate Availability

We do not have Old West Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Old West Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Old West Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Old West Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Old West Federal Credit Union

Website https://oldwestfcu.com

Address 650 W Main St, John Day, OR 97845

Phone 541-575-0264

Fax 541-575-2538

President Riccola Voigt

CEO Kenneth Olson

Full-Time Employees 84

Part-Time Employees 3

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.71%

Return on Assets (ROA)

0.4552%

Return on Equity (ROE)

3.6846%

Non-Performing Loans Ratio (NPL)

1.31%

Total Assets

304,128,892

Total Amount of Shares and Deposits

265,210,355

Total Shares and Deposits < 1 Year

262,961,028

Total Shares and Deposits 1 3 Years

1,835,257

Total Shares and Deposits > 3 Years

414,070

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,697,418

Total Uninsured Shares and Deposits > $250K (F+J)

11,697,418

Total Insured Shares and Deposits > $250K (item 17 less item K)

253,512,937

Total Interest Expense (Sum of items 6 8)

2,242,924

Share Certificates

850

Number of Accounts for Share Drafts

13,367

IRA KEOGH Accounts

503

Number of Accounts for Regular Shares

21,221

Money Market Shares

835

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

48,505,632

Total Liabilities

277,060,880

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Old West Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Old West Federal Credit Union

How many branches does Old West Federal Credit Union operate?

Old West Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Old West Federal Credit Union?

Yes, to access services at Old West Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Old West Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Old West Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Old West Federal Credit Union offer online and mobile banking?

Most modern institutions like Old West Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://oldwestfcu.com.