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: 5.00%, MMA: 1.75%

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Oregon State Credit Union Rates & Review October 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: October 10, 2026

Oregon State Credit Union's top rates as of October 10, 2026 are 3.85% APY on its 12-Month CD Special, 5.00% APY on savings, 1.75% APY on money market accounts, 0.05% APY on checking, rv, boat and powersport loans from 7.49% APR, and credit cards from 10.50% APR, according to rates verified by MonitorBankRates. Other Oregon State Credit Union CD rates include 7-Month CD Special at 3.75%, 6-11 month Standard CD at 3.65%, and 12-23 month Standard CD at 3.55%. 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 3.40%. Rates last updated and verified on 10/10/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Oregon State Credit Union
Sunset Operations Center

4800 SW Research Way
Corvallis, OR 97333

https://www.oregonstatecu.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.

Oregon State Credit Union CD Rates

Product	Rate	APY	Term
12-Month Certificate Special	3.78%	3.85%	12-Month
Min Deposit $250 Min Balance $250 Details 12-Month Special Certificate *APY = Annual Percentage Yield and is accurate as of 9/1/2026. Minimum deposit of $250 required. Members merits do not apply. The 12-month promotional certificate is for new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. 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 10/10/2026 Rate History No change since Oct 1, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
7-Month Certificate Special	3.68%	3.75%	7-Month
Min Deposit $250 Min Balance $250 Details 7-Month Special Certificate *APY = Annual Percentage Yield and is accurate as of 9/1/2026. Minimum deposit of $250 required. Members merits do not apply. The 7-month promotional certificate is for new money only. 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 10/10/2026 Rate History No change since Oct 1, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
6-11 month Standard Certificate	3.59%	3.65%	6-11 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 3.59%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
12-23 month Standard Certificate	3.49%	3.55%	12-23 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 3.49%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
6-11 month Standard Certificate	3.49%	3.55%	6-11 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 3.49%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
12-23 month Standard Certificate	3.39%	3.45%	12-23 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 3.39%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
6-11 month Standard Certificate	3.39%	3.45%	6-11 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 3.39%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
12-23 month Standard Certificate	3.30%	3.35%	12-23 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 3.30%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 9-month certificate	3.20%	3.25%	9 months
Min Balance $500 Details APY for balances of $500 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 9-month certificate	3.20%	3.25%	9 months
Min Balance $25,000 Details APY for balances of $25,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 9-month certificate	3.20%	3.25%	9 months
Min Balance $100,000 Details APY for balances of $100,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
24-35 month Standard Certificate	3.05%	3.10%	24-35 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 3.05%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
24-35 month Standard Certificate	2.96%	3.00%	24-35 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
36-47 month Standard Certificate	2.96%	3.00%	36-47 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
48-59 month Standard Certificate	2.96%	3.00%	48-59 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
60 month Standard Certificate	2.96%	3.00%	60 months
Min Deposit $500 Min Balance $100,000 Details APY* for balances of $100,000 or more: 2.96%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 18-month certificate	2.96%	3.00%	18 months
Min Balance $500 Details APY for balances of $500 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 18-month certificate	2.96%	3.00%	18 months
Min Balance $25,000 Details APY for balances of $25,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Online 18-month certificate	2.96%	3.00%	18 months
Min Balance $100,000 Details APY for balances of $100,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
24-35 month Standard Certificate	2.86%	2.90%	24-35 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 2.86%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
36-47 month Standard Certificate	2.85%	2.89%	36-47 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 2.85%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
48-59 month Standard Certificate	2.85%	2.89%	48-59 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 2.85%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
60 month Standard Certificate	2.85%	2.89%	60 months
Min Deposit $500 Min Balance $25,000 Details APY* for balances of $25,000 - $99,999: 2.85%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
36-47 month Standard Certificate	2.80%	2.84%	36-47 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 2.80%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
48-59 month Standard Certificate	2.80%	2.84%	48-59 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 2.80%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
60 month Standard Certificate	2.80%	2.84%	60 months
Min Deposit $500 Min Balance $500 Details APY* for balances of $500 - $24,999: 2.80%. Members in the Enhanced Member Merits category qualify for a 0.15% Certificate APY increase. Members in the Premier Member Merits category qualify for this 0.25% Certificate APY increase. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings account	4.88%	5.00%
Min Balance $0 Details Balance: $0 - $1000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 5.00% ▲ 4.10 pts · high 5.00% / low 0.90% Oct 10, 20265.00%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
High-Yield Savings account	0.90%	0.90%
Min Balance $1,000 Details Balance: Over $1000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Health Savings Account (HSA)	0.80%	0.80%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Basic Savings	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Minimum balance to open all savings accounts is $5.00. Minimum balance that must be maintained each day to earn dividends. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Individual Retirement Account (IRA) savings	0.10%	0.10%
Min Deposit $0 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Scottie Savers	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Minimum balance to open all savings accounts is $5.00. Members under 18 require a parent or guardian as a joint signer. Minimum balance that must be maintained each day to earn dividends. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Teen Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Minimum balance to open all savings accounts is $5.00. Members under 18 require a parent or guardian as a joint signer. Minimum balance that must be maintained each day to earn dividends. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Money Market Rates

Product	Rate	APY
Investor's Money Market	1.73%	1.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 10, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.73%	1.75%
Min Balance $100,000 Details Balance: $100,000 and more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.50% ▲ 0.20 pts · high 1.50% / low 1.30% Oct 10, 20261.50%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.29%	1.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.20% → 1.30% ▲ 0.10 pts · high 1.30% / low 1.20% Oct 10, 20261.30%▲ from 1.20% Sep 14, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.19%	1.20%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Money Market	0.80%	0.80%
Min Deposit $5 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Checking Rates

Product	Rate	APY	View More
Platinum Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Members 55 and older qualify for Platinum Checking. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	7.00%	up to 10 years
Details Term: Draw period of up to 10 years. After draw, repayment term of up to 15 years.; APR (High): 10.50% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Primary residence or second/vacation home - 10 Years (120 Months)	-	-	7.24%	10 Years
Details Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/17/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union's standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 7.24% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 7.24% APR for 120 months is $586.75. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Sep 18, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Primary residence or second/vacation home - 15 Years (180 Months)	-	-	7.74%	15 Years
Details Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/17/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union's standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 7.24% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 7.24% APR for 120 months is $586.75. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Sep 18, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Investment properties - 10 Years (120 Months)	-	-	8.24%	10 Years
Details Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/17/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union's standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 7.24% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 7.24% APR for 120 months is $586.75. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Sep 18, 20268.24%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Investment properties - 15 Years (180 Months)	-	-	8.74%	15 Years
Details Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/17/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union's standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 7.24% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 7.24% APR for 120 months is $586.75. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Sep 18, 20268.74%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New EV auto (2025 - 2027)	-	-	4.94%	Up to 72 months
Details Published APR range: 4.94% - 16.54%. New EV auto loans. 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 0.50% 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New hybrid auto (2025 - 2027)	-	-	5.19%	Up to 72 months
Details New Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New hybrid auto (2025 - 2027)	-	-	5.19%	73-84 months
Details New Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New auto (2025 - 2027)	-	-	5.44%	Up to 72 months
Details Additional APR listed for this product: 17.04%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New auto (2025 - 2027)	-	-	5.44%	73-84 months
Details Additional APR listed for this product: 17.78%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV auto (2011 - 2024)	-	-	5.44%	Up to 72 months
Details Used EV auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used hybrid auto (2011 - 2024)	-	-	5.69%	Up to 72 months
Details Used Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used auto (2011 - 2024)	-	-	5.94%	Up to 72 months
Details Additional APR listed for this product: 17.53%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV auto (2011 - 2024)	-	-	6.43%	73-84 months
Details Used EV auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used hybrid auto (2011 - 2024)	-	-	6.68%	73-84 months
Details Used Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.68% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New EV auto (2025 - 2027)	-	-	6.93%	85-96 months
Details New EV auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used auto (2011 - 2024)	-	-	6.93%	73-84 months
Details Additional APR listed for this product: 17.79%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.93% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New hybrid auto (2025 - 2027)	-	-	7.18%	85-96 months
Details New Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV auto (2011 - 2024)	-	-	7.18%	85-96 months
Details Used EV auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New auto (2025 - 2027)	-	-	7.43%	85-96 months
Details Additional APR listed for this product: 17.53%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.43% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used hybrid auto (2011 - 2024)	-	-	7.43%	85-96 months
Details Used Hybrid auto loans Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used auto (2011 - 2024)	-	-	7.68%	85-96 months
Details Additional APR listed for this product: 12.53%. 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 (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.68% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New (2024-2026) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	-	7.49%	Up to 72 months
Details Additional APR listed for this product: 18.24%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2024-2026) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	-	7.74%	73-84 months
Details Additional APR listed for this product: 18.49%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New boat or RV (2025 - 2027) Loan	-	7.99%	Up to 72 months
Details Published APR range: 7.99% - 19.24%. New or used boat or RV. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New boat or RV Loan	-	7.99%	Up to 72 months
Details New boat or RV (2025 - 2027); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New boat or RV (2025 - 2027) Loan	-	8.24%	73-180 months
Details Published APR range: 8.24% - 19.49%. New or used boat or RV. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New boat or RV Loan	-	8.24%	73-180 months
Details New boat or RV (2025 - 2027); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	-	8.24%	Up to 72 months
Details Additional APR listed for this product: 19.24%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	-	8.49%	73-84 months
Details Additional APR listed for this product: 19.49%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New RV (2025 - 2027) Loan	-	8.74%	181-240 months
Details Published APR range: 8.74% - 10.99%. New or used boat or RV. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New RV Loan	-	8.74%	181-240 months
Details New RV (2025 - 2027); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used boat or RV (2016 - 2024) Loan	-	8.74%	Up to 72 months
Details Published APR range: 8.74% - 20.24%. New or used boat or RV. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used boat or RV Loan	-	8.74%	Up to 72 months
Details Used boat or RV (2016 - 2024); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used boat or RV (2016 - 2024) Loan	-	8.99%	73-180 months
Details Published APR range: 8.99% - 20.49%. New or used boat or RV. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used boat or RV Loan	-	8.99%	73-180 months
Details Used boat or RV (2016 - 2024); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Credit Card Rates

Product	Rate	APR
Teen Visa	-	10.50%
Details Published APR range: 10.50% - 20.50%. Same rates for cash advances and balance transfers. A co-signed starter card for teens to learn responsible credit use. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 10, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Visa Value	-	10.50%
Details Published APR range: 10.50% - 20.50%. Same rates for cash advances and balance transfers. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 10, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Visa Signature	-	13.00%
Details Published APR range: 13.00% - 23.50%. Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 10, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Personal Loan Rates

Product	APR	Term
New (2024-2026) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	7.49%	Up to 72 months
Details Additional APR listed for this product: 18.24%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2024-2026) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	7.74%	73-84 months
Details Additional APR listed for this product: 18.49%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	8.24%	Up to 72 months
Details Additional APR listed for this product: 19.24%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan	8.49%	73-84 months
Details Additional APR listed for this product: 19.49%. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Line of Credit (PLOC)	10.50%
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. Personal line of credit is not eligible for the Member Merits or automatic payment decrease in APR. The Periodic Rate and corresponding Annual Percentage Rate for the Personal Line of Credit loan is calculated by adding a graduated margin (the margin is based on a risk based pricing tier) to the month end Prime Rate for the previous calendar month as published by the Federal Reserve. The Annual Percentage Rate will never be more than 20.75% or the maximum rate allowed by applicable law. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Line of Credit (PLOC)	10.50%	25 months
Details Term: $25 or 2.50% of the total balance, whichever is greater.; Published APR range: 10.50% - 19.50%. 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. Personal line of credit is not eligible for the Member Merits or automatic payment decrease in APR. The Periodic Rate and corresponding Annual Percentage Rate for the Personal Line of Credit loan is calculated by adding a graduated margin (the margin is based on a risk based pricing tier) to the month end Prime Rate for the previous calendar month as published by the Federal Reserve. The Annual Percentage Rate will never be more than 20.75% or the maximum rate allowed by applicable law. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Loan	12.49%	Up to 36 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 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Visa Signature	13.00%
Details Published APR range: 13.00% - 23.50%. Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 10, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Loan	16.74%	37-60 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 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Oregon State Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New (2024-2026) Loan	-	-	7.49%	Up to 72 months
Details Published APR range: 7.49% - 18.24%. Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan rates. 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 10/10/2026 Rate History No change since Oct 1, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2024-2026) Loan	-	-	7.74%	73-84 months
Details Published APR range: 7.74% - 18.49%. Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan rates. 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 10/10/2026 Rate History No change since Oct 1, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2025 - 2027) Loan	-	-	7.49%	Up to 72 months
Details Published APR range: 7.49% - 18.24%. ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2025 - 2027) Loan	-	-	7.74%	73-84 months
Details Published APR range: 7.74% - 18.49%. ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New Loan	-	-	7.49%	Up to 72 months
Details ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft; New (2025 - 2027); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New Loan	-	-	7.74%	73-84 months
Details ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft; New (2025 - 2027); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Payday Advance Loan	-	-	27.00%	Up to 30 Days
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 10/10/2026 Rate History No change since Sep 14, 2026 · 27.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Loan	-	-	8.24%	Up to 72 months
Details Published APR range: 8.24% - 19.24%. ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Loan	-	-	8.49%	73-84 months
Details Published APR range: 8.49% - 19.49%. ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft. 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 10/10/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used Loan	-	-	8.24%	Up to 72 months
Details ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft; Used (2020 - 2024); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used Loan	-	-	8.49%	73-84 months
Details ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft; Used (2020 - 2024); As Low As; 0.25% APR reduction by maintaining an automatic loan payment each month; 0.25% APR reduction by qualifying for the Premier Member Merits category Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

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.
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Financial Health History

Oregon State Credit Union’s Texas Ratio stayed near 3.73% in Q3 2023 to 3.40% 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	$2.8B	3.40%	5.0	A+
March 31, 2026	$2.7B	3.67%	5.0	A+
December 31, 2025	$2.7B	4.12%	5.0	A+
September 30, 2025	$2.9B	2.86%	5.0	A+
June 30, 2025	$2.7B	2.72%	5.0	A+
March 31, 2025	$2.6B	2.52%	5.0	A+
December 31, 2024	$2.6B	3.05%	5.0	A+
September 30, 2024	$2.6B	3.46%	5.0	A+
June 30, 2024	$2.5B	3.88%	5.0	A+
March 31, 2024	$2.3B	3.50%	5.0	A+
December 31, 2023	$2.2B	4.72%	5.0	A+
September 30, 2023	$2.1B	3.73%	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 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 366

Part-Time Employees 17

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+ (98/100)

Texas Ratio

3.40%

Return on Assets (ROA)

0.6612%

Return on Equity (ROE)

5.6266%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

2,783,407,485

Total Amount of Shares and Deposits

2,413,129,273

Total Shares and Deposits < 1 Year

2,265,480,297

Total Shares and Deposits 1 3 Years

142,702,103

Total Shares and Deposits > 3 Years

4,946,874

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

141,276,503

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

141,276,503

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

2,271,852,770

Total Interest Expense (Sum of items 6 8)

19,823,395

Share Certificates

14,184

Number of Accounts for Share Drafts

103,978

IRA KEOGH Accounts

3,645

Number of Accounts for Regular Shares

166,597

All other shares

2,058

Non Member Deposits

50,292

Money Market Shares

15,937

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)

120,524,090

Total Liabilities

2,491,164,492

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Oregon State Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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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.

Current Oregon State Credit Union Rates

12-Month CD3.45%
18-Month CD3.00%
24-Month CD3.35%
60-Month CD2.84%
Savings5.00%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Oregon State Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Oregon State Credit Union Texas Ratio

Oregon State Credit Union Health Trend

Oregon State Credit Union CD Rates

Oregon State Credit Union Savings Rates

Oregon State Credit Union Money Market Rates

Oregon State Credit Union Checking Rates

Oregon State Credit Union Home Equity & HELOC

Oregon State Credit Union Auto Loan Rates

Oregon State Credit Union RV, Boat and Powersport Loan Rates

Oregon State Credit Union Credit Card Rates

Oregon State Credit Union Personal Loan Rates

Oregon State Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Oregon State Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Oregon State Credit Union

How many branches does Oregon State Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Oregon State Credit Union offer online and mobile banking?

Current Oregon State Credit Union Rates

Compare to Other Credit Unions