What are the current interest rates at Our Community Credit Union?

Current rates for Our Community Credit Union include: 12-Month CD: 3.45%, 24-Month CD: 2.64%, Savings: 0.50%, MMA: 0.85%

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Our Community Credit Union

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Our Community Credit Union Rates & Review October 2026

Q: Is a member application needed to join Our Community Credit Union?

Yes, to access services at Our Community 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, Our Community 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: October 14, 2026

Our Community Credit Union's top rates as of October 14, 2026 are 3.50% APY on its 1 Year Launch Savings CD, 0.50% APY on savings, 0.85% APY on money market accounts, 0.20% APY on checking, personal loans from 8.49% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Our Community Credit Union CD rates include 6 Month CD at 3.50%, 1 Year CD at 3.45%, and 9 Month CD at 3.45%. MonitorBankRates evaluates the financial stability of Our Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Our Community Credit Union
Main Branch

526 W Cedar St
Shelton, WA 98584

https://www.ourcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Our Community Credit Union CD Rates

Product	Rate	APY	Term
1 Year Launch Savings Certificate	3.44%	3.50%	1 Year (BUMP)
Min Deposit $500 Min Balance $500 Details Ages: 0-17; Minimum balance must remain in the account at all times; Eligible for one time rate bump Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
6 Month Certificate	3.44%	3.50%	6 Month (BUMP)
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; one-time rate bump eligible; additional deposits not allowed; 60 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
1 Year Certificate	3.39%	3.45%	1 Year (BUMP)
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; one-time rate bump eligible; additional deposits not allowed; 60 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
9 Month Certificate	3.39%	3.45%	9 Month (BUMP)
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; one-time rate bump eligible; additional deposits not allowed; 60 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
2 Year Certificate	2.61%	2.64%	2 Year (BUMP)
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; one-time rate bump eligible; additional deposits not allowed; 180 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.64% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
3 Year Certificate	2.42%	2.45%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; additional deposits not allowed; 180 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
4 Year Certificate	2.22%	2.25%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit $1,000; additional deposits not allowed; 180 days loss of dividends on early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.50%	0.50%
Min Deposit $50 Details Minimum balance to open an IRA and earn APY is $50.00. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 & Above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.85%	0.85%
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	0.45%	0.45%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Checking Rates

Product	Rate	APY
Checking	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 & Above Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Checking	0.10%	0.10%
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Variable Rate Home Equity Line of Credit - First Mortgage Position	-	-	7.00%	15 Years
Details Loan to Value: 100% LTV; 12 year draw period, 15 year pay back; Maximum loan amount $200,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Fixed Rate Home Equity Line of Credit - First Mortgage Position	-	-	7.25%	10 Years
Details LTV: 100%; 5 year draw period-10 year pay back; Maximum loan amount $200,000 First Mortgage; maximum term of 120 Months; Fixed Rate Home Equity Line of Credit does not include costs other than interest Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Variable Rate Home Equity Line of Credit - Second Mortgage Position	-	-	7.75%	15 Years
Details Loan to Value: 80% LTV; 12 year draw period, 15 year pay back; Maximum loan amount $150,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Fixed Rate Home Equity Line of Credit - Second Mortgage Position	-	-	8.25%	10 Years
Details LTV: 80%; 5 year draw period-10 year pay back; Maximum loan amount $150,000 Second Mortgage; maximum term of 120 Months; Fixed Rate Home Equity Line of Credit does not include costs other than interest Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 60 Months (Limited Time Promo)	-	-	4.49%	60 months
Details As Low As; Flat rate promotion for eligible vehicle purchases and refinances from other financial institutions; eligible vehicles model year 2020 or newer with fewer than 100,000 miles; promotion ends October 31, 2026; current OURCU auto loans not eligible Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loans - New or Used Auto	-	-	4.74%	up to 84 Months
Details Published APR range: 4.74% - 13.99%. Fixed APR; Extended terms (over 60 months): rate may increase 0.50% - 2.50% based on credit score; High mileage (not to exceed 150,000): rate may increase 2.50% - 4.50% based on credit score; Qualifying loans with 90% LTV or less and 650+ credit score may receive a 0.50% rate discount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan - 72 Months (Limited Time Promo)	-	-	4.89%	72 months
Details As Low As; Flat rate promotion for eligible vehicle purchases and refinances from other financial institutions; eligible vehicles model year 2020 or newer with fewer than 100,000 miles; promotion ends October 31, 2026; current OURCU auto loans not eligible Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan - 84 Months (Limited Time Promo)	-	-	5.19%	84 months
Details As Low As; Flat rate promotion for eligible vehicle purchases and refinances from other financial institutions; eligible vehicles model year 2020 or newer with fewer than 100,000 miles; promotion ends October 31, 2026; current OURCU auto loans not eligible Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
First Time Auto Loan Program	-	-	11.95%
Details As Low As; For new or used auto; must be an OURCU member in good standing; rates fixed and based on credit score; term based on loan amount and credit score Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans - New or Used Boat	-	6.49%	Up to 120 Months
Details APR range 6.49% - 16.49%*; Term based on credit score; No boats over 30 feet; No boats that must be moored; Rates based on credit and subject to change; Call for details Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
RV Loans - New or Used RV	-	6.99%	up to 120 Months
Details As Low As; Fixed APR range 6.99% - 15.99% based on credit; Maximum Loan Amount: $100,000; Rate increases by 1.00% for RVs in model year range 2008-2015; No RVs older than model year 2008 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
ATV Loans - New or Used	-	7.49%	up to 84 Months
Details Term: up to 84 Months based on Credit Score; Published APR range: 7.49% - 15.74%. Fixed APR; New or Used; Rates subject to change; rates and terms may vary depending on the individual Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Motorcycle Loans - New or Used	-	7.49%	up to 84 Months
Details Published APR range: 7.49% - 15.74%. Fixed APR; term based on credit score; rate, down payment, and maximum term dependent on credit; conditions apply, subject to approval Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	11.50%
Details Non-Variable Rate when you open your account; APR for Purchases, Balance Transfers and Cash Advances; Minimum Balance Subject to Interest Charge $0.50; Due date at least 25 days after close of billing cycle; no interest on purchases if entire balance paid by due date Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Classic Visa	-	12.50%
Details Non-Variable Rate when you open your account; APR for Purchases, Balance Transfers and Cash Advances; Minimum Balance Subject to Interest Charge $0.50; Due date at least 25 days after close of billing cycle; no interest on purchases if entire balance paid by due date Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature / Personal Loan	8.49%	60 Month Maximum
Details APR range 8.49% - 16.99%; rates based on credit and subject to change; conditions apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Our Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.50%	120 Month Maximum
Details Published APR range: 8.50% - 9.50%. Fixed APR; Program one: minimum credit score 700+, loan amount $1,000-$20,000, maximum term 120 months; Program two: minimum credit score 650-699, loan amount $1,000-$10,000, maximum term 84 months; invoice, purchase order, bid, or itemized list required before funding Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Land Loans	-	-	8.00%	15 Years
Details As Low As; LTV: 75%; Fixed APR for 760+ credit score (Tier 1); max term 180 months; max loan amount $400,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
OURCU Holiday Quick Bucks Loans	-	-	9.95%	12 Month
Details Fixed APR; loan amount $500 to $2,500; promotion expires December 31, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Sky High Yield	5.84%	-	6.00%
Details Qualifications Required; Qualifying balance up to $10,000.00; Dividends calculated by average daily balance method Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

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.

Financial Health History

Our Community Credit Union’s Texas Ratio fell from 2.00% in Q3 2023 to 1.30% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$638M	1.30%	5.0	A+
March 31, 2026	$640M	1.17%	5.0	A+
December 31, 2025	$630M	1.03%	5.0	A+
September 30, 2025	$629M	0.72%	5.0	A+
June 30, 2025	$620M	1.05%	5.0	A+
March 31, 2025	$623M	1.27%	5.0	A+
December 31, 2024	$613M	1.62%	5.0	A+
September 30, 2024	$608M	1.51%	5.0	A+
June 30, 2024	$605M	1.91%	5.0	A+
March 31, 2024	$600M	2.47%	5.0	A+
December 31, 2023	$595M	2.53%	5.0	A+
September 30, 2023	$592M	2.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Our Community Credit Union

Website https://www.ourcu.com

Address 526 W Cedar St, Shelton, WA 98584

Phone 800-426-5657

Fax

President Mark Mager

CEO Philip Prothero

Full-Time Employees 101

Part-Time Employees 6

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+ (99/100)

Texas Ratio

1.30%

Return on Assets (ROA)

0.5810%

Return on Equity (ROE)

4.5872%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

638,320,711

Total Amount of Shares and Deposits

551,842,624

Total Shares and Deposits < 1 Year

547,288,600

Total Shares and Deposits 1 3 Years

4,302,464

Total Shares and Deposits > 3 Years

251,560

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

32,949,950

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

32,949,950

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

518,892,674

Total Interest Expense (Sum of items 6 8)

3,151,296

Share Certificates

3,907

Number of Accounts for Share Drafts

17,402

IRA KEOGH Accounts

984

Number of Accounts for Regular Shares

45,284

Money Market Shares

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)

9,334,072

Total Liabilities

558,239,796

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Our Community Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Our Community Credit Union

How many branches does Our Community Credit Union operate?

Our Community 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 Our Community Credit Union?

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

Does Our Community Credit Union offer online and mobile banking?

Most modern institutions like Our Community 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.ourcu.com.