What are the current interest rates at Oregon State Credit Union?

Current rates for Oregon State Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 3.00%, 24-Month CD: 3.35%, 60-Month CD: 2.84%, Savings: 0.10%, MMA: 0.80%

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Oregon State Credit Union

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Oregon State Credit Union Rates & Review August 2026

Q: Is a member application needed to join Oregon State Credit Union?

Yes, to access services at Oregon State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oregon State 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 and Verified: August 28, 2026

Oregon State Credit Union's 18-Month Bump CD rates are at 3.75%, 6-11 month rates are at 3.65%, 12-23 month rates are at 3.55%, 6-11 month rates are at 3.55%, 12-23 month rates are at 3.45%. Oregon State Credit Union's savings rates are at 0.10%. Oregon State Credit Union's money market rates are at 0.80%. Oregon State Credit Union's Personal Loan Rates are at 7.49%. MonitorBankRates evaluates the financial stability of Oregon State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.86%. Rates last updated and verified on 08/28/2026.

Oregon State 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 Oregon State Credit Union? Share your experience about Oregon State Credit Union by leaving a review below, or read customer reviews before you decide to use Oregon State Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.86%

Excellent Lower than avg

Oregon State Credit Union
Sunset Operations Center

4800 SW Research Way
Corvallis, OR 97333

https://www.oregonstatecu.com

Oregon State Credit Union CD Rates

Product	Rate	APY	Term
18-Month Bump Certificate	3.68%	3.75%
Min Deposit $250 Min Balance $250 Details The certificate owner may increase the interest rate one time during the term to match the current rate offered by Oregon State Credit Union on the standard 24-month certificate, not to exceed an increase of 0.50%. To initiate the rate bump, contact Oregon State Credit Union by calling 541-714-4000 or by visiting a branch. The bump can only be exercised once during the term of the certificate and does not increase the term of the certificate. The new interest rate will be applied the business day after the credit union receives the notice. The new rate will not be applied retroactively. New money is defined as funds that have not been on deposit with Oregon State Credit Union at any time during the certificate promotion period, unless deposited in the 30 days prior to certificate opening. New money must originate from another financial institution or source and cannot be transferred from an existing Oregon State Credit Union account. Fees could reduce the earnings on the account, for maintenance and activity fees. A penalty may be imposed for early withdrawals. Limited time offer. Other terms and conditions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
6-11 month	3.59%	3.65%	11 Months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
12-23 month	3.49%	3.55%	23 Months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
6-11 month	3.49%	3.55%	11 Months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
12-23 month	3.39%	3.45%	23 Months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
6-11 month	3.39%	3.45%	11 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
12-23 month	3.30%	3.35%	23 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Online 9-month certificate	3.20%	3.25%	9 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
24-35 month	3.05%	3.10%	35 Months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
24-35 month	2.96%	3.00%	35 Months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
36-47 month	2.96%	3.00%	47 Months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
48-59 month	2.96%	3.00%	59 Months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
60 month	2.96%	3.00%	60 months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Online 18-month certificate	2.96%	3.00%	18 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
24-35 month	2.86%	2.90%	35 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
36-47 month	2.85%	2.89%	47 Months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
48-59 month	2.85%	2.89%	59 Months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
60 month	2.85%	2.89%	60 months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
36-47 month	2.80%	2.84%	47 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
48-59 month	2.80%	2.84%	59 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
60 month	2.80%	2.84%	60 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings account	4.88%	5.00%
Min Balance $0 Details Qualifying balance up to $1,000.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
High-Yield Savings account	0.90%	0.90%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
First-Time Homebuyer Savings	0.80%	0.80%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Health Savings Account (HSA)	0.80%	0.80%
Details There is no minimum balance to open a Health Savings Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Basic Savings	0.10%	0.10%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Individual Retirement Account (IRA) savings	0.10%	0.10%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Scottie Savers	0.10%	0.10%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Teen Savings	0.10%	0.10%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Money Market Rates

Product	Rate	APY
Investor's Money Market	1.73%	1.75%
Min Deposit $10,000 Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Investor's Money Market	1.49%	1.50%
Min Deposit $10,000 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Investor's Money Market	1.29%	1.30%
Min Deposit $10,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Investor's Money Market	1.19%	1.20%
Min Deposit $10,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Money Market	0.80%	0.80%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Checking Rates

Product	Rate	APY	View More
Platinum Checking	0.05%	0.05%
Min Balance $1,000 Details Members 55 and older qualify for Platinum Checking. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.75%	Draw period of up to 10 years. After draw, repayment term of up to 15 years.
Details As Low As; 10.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan	-	-	7.49%	10 Years (120 Months)
Details Primary residence or second/vacation home. Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan - 10 Years (Primary residence or second/vacation home)	-	-	7.49%	10 Years (120 Months)
Details APR (Low)**; Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan	-	-	7.99%	15 Years (180 Months)
Details Primary residence or second/vacation home. Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan - 15 Years (Primary residence or second/vacation home)	-	-	7.99%	15 Years (180 Months)
Details APR (Low)**; Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan	-	-	8.49%	10 Years (120 Months)
Details Investment properties. Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan - 10 Years (Investment properties)	-	-	8.49%	10 Years (120 Months)
Details APR (Low)**; Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan - 10 Years (Primary residence or second/vacation home)	-	-	8.49%	10 Years (120 Months)
Details APR (High); Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan	-	-	8.99%	15 Years (180 Months)
Details Investment properties. Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Home Equity Loan - 15 Years (Primary residence or second/vacation home)	-	-	8.99%	15 Years (180 Months)
Details APR (High); Rates are as low as 7.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed?rate home equity loan monthly payment based on $50,000 at 7.49% APR for 120 months is $594.41. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans are subject to approval. Rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New EV auto	-	-	4.94%	Up to 72 months
Details New EV auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New EV auto (2025 - 2027)	-	-	4.94%	Up to 72 months
Details APR (High): 16.54% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New Hybrid auto	-	-	5.19%	Up to 72 months
Details New hybrid auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New hybrid auto (2025 - 2027)	-	-	5.19%	Up to 72 months
Details APR (High): 16.79% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto	-	-	5.44%	Up to 72 months
Details New auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto (2025 - 2027)	-	-	5.44%	Up to 72 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used EV auto	-	-	5.44%	Up to 72 months
Details Used EV auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used EV auto (2011 - 2024)	-	-	5.44%	Up to 72 months
Details APR (High): 17.03% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used Hybrid auto	-	-	5.69%	Up to 72 months
Details Used Hybrid auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used hybrid auto (2011 - 2024)	-	-	5.69%	Up to 72 months
Details APR (High): 17.28% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto	-	-	5.94%	Up to 72 months
Details Used auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	5.94%	Up to 72 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used EV auto	-	-	6.43%	73-84 months
Details Used EV auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used EV auto (2011 - 2024)	-	-	6.43%	73-84 months
Details APR (High): 17.29% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used Hybrid auto	-	-	6.68%	73-84 months
Details Used Hybrid auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used hybrid auto (2011 - 2024)	-	-	6.68%	73-84 months
Details APR (High): 17.54% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New EV auto	-	-	6.93%	85-96 months
Details New EV auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New EV auto (2025 - 2027)	-	-	6.93%	85-96 months
Details APR (High): 17.03% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto	-	-	6.93%	73-84 months
Details Used auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	6.93%	73-84 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New Hybrid auto	-	-	7.18%	85-96 months
Details New hybrid auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New hybrid auto (2025 - 2027)	-	-	7.18%	85-96 months
Details APR (High): 17.28% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used EV auto (2011 - 2024)	-	-	7.18%	85-96 months
Details APR (High): 12.03% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto	-	-	7.43%	85-96 months
Details New auto (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto (2025 - 2027)	-	-	7.43%	85-96 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used hybrid auto (2011 - 2024)	-	-	7.43%	85-96 months
Details APR (High): 12.28% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto	-	-	7.68%	85-96 months
Details Used auto (2011 - 2024). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	7.68%	85-96 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	12.53%	85-96 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto (2025 - 2027)	-	-	17.04%	Up to 72 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto (2025 - 2027)	-	-	17.53%	85-96 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	17.53%	Up to 72 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
New auto (2025 - 2027)	-	-	17.78%	73-84 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Used auto (2011 - 2024)	-	-	17.79%	73-84 months
Details APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Credit Card Rates

Product	Rate	APR
Teen Visa	-	10.25%
Details Same rates for cash advances and balance transfers. A co-signed starter card for teens to learn responsible credit use. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Visa Value	-	10.25%
Details Same rates for cash advances and balance transfers. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Visa Signature	-	12.75%
Details Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Oregon State Credit Union Personal Loan Rates

Product	Rate	APR
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft Loan	-	7.49%
Details New (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft Loan	-	7.74%
Details New (2025 - 2027). You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Personal Line of Credit (PLOC)	-	10.50%
Details The Annual Percentage Rate will never be more than 20.75% or the maximum rate allowed by applicable law. APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Personal Loan	-	12.49%
Details APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Personal Loan	-	16.74%
Details APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Personal Loan	-	19.99%
Details APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
Personal Loan	-	20.24%
Details APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Oregon State 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 Oregon State 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 Oregon State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oregon State Credit Union

Website https://www.oregonstatecu.com

Address 4800 SW Research Way, Corvallis, OR 97333

Phone 541-714-4000

Fax 541-714-4185

President Rebecca Badger

CEO Gary Schuette II

Full-Time Employees 337

Part-Time Employees 13

Branch Locations 16

ATM Locations 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.86%

Return on Assets (ROA)

0.8193%

Return on Equity (ROE)

7.6163%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

2,852,738,974

Total Amount of Shares and Deposits

2,307,171,390

Total Shares and Deposits < 1 Year

2,197,733,145

Total Shares and Deposits 1 3 Years

103,288,828

Total Shares and Deposits > 3 Years

6,149,416

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

130,716,483

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

130,716,483

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

2,176,454,907

Total Interest Expense (Sum of items 6 8)

33,585,747

Share Certificates

14,136

Number of Accounts for Share Drafts

102,383

IRA KEOGH Accounts

3,461

Number of Accounts for Regular Shares

159,866

All other shares

1,957

Non Member Deposits

62,845

Money Market Shares

15,570

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

368,859,041

Total Liabilities

2,584,706,958

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Oregon State Credit Union

How many branches does Oregon State Credit Union operate?

Oregon State 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 Oregon State Credit Union?

Yes, to access services at Oregon State 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, Oregon State 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, Oregon State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Oregon State Credit Union offer online and mobile banking?

Most modern institutions like Oregon State 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://www.oregonstatecu.com.