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Oregon State Credit Union

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Oregon State Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Oregon State Credit Union offer?

Oregon State Credit Union CD rates are 3.25% APY for a 9 month CD, 3.65% APY for an 11 month CD, 3.45% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.55% APY for a 23 month CD, 3.35% APY for a 2 year CD, 3.10% APY for a 35 month CD, 3.00% APY for a 47 month CD and 2.84% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Oregon State Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Oregon State Credit Union's 6 - 11 Month Standard CD rates are at 3.65%, 12 - 23 Month Standard CD rates are at 3.55%, Online 9-Month CD rates are at 3.25%, 24 - 35 Month Standard CD rates are at 3.10%, 36 - 47 Month Standard CD rates are at 3.00%. Oregon State Credit Union's savings rates are at 5.00%. Oregon State Credit Union's money market rates are at 1.75%. Oregon State Credit Union's checking rates are as high as 0.05%. Oregon State Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.49%. Oregon State Credit Union's Credit Card Rates are at 10.50%. Oregon State Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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
5-Month Certificate Special	4.89%	5.00%	5 months
Min Deposit $250 Min Balance $250 Details Special certificate; new money only; Members merits do not apply; Effective date Monday, October 19, 2026; APY accurate as of 10/15/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
12-Month Certificate Special	3.78%	3.85%	12 months
Min Deposit $250 Min Balance $250 Details Special certificate; new money only, except deposits of up to $5,000 may be funded with existing funds when opened in a branch; Members merits do not apply; Effective date Monday, October 19, 2026; APY accurate as of 9/1/2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 5 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 6 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.35% 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 $500 Details Balance: $500 - $24,999; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 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 Balance: $25,000 - $99,999; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 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 Balance: $100,000 and over; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance: $500 - $24,999; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 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 Balance: $25,000 - $99,999; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 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 Balance: $100,000 and over; Online certificate; not available to IRA certificates, TLT Members, or Scottie Members; Member Merits do not apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 5 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 5 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 5 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 Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.89% APY · checked 5 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 5 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 5 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 Balance $500 Details Balance: $500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.84% APY · checked 5 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	4.88%	5.00%
Min Balance $0 Details Qualifying balance up to $1,000.00; Balance: $0 - $1000; Limit of one account per member; APY effective 10/1/2025 and subject to change Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Health Savings Account (HSA)	0.80%	0.80%
Details No minimum balance to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 9 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 that must be maintained each day to earn dividends; Minimum balance to open all savings accounts is $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 Details Minimum balance to earn dividends: $5; Minimum balance that must be maintained each day to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 that must be maintained each day to earn dividends; Members under 18 require a parent or guardian as a joint signer; Minimum balance to open all savings accounts is $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 that must be maintained each day to earn dividends; Members under 18 require a parent or guardian as a joint signer; Minimum balance to open all savings accounts is $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 and more Last Updated 10/30/2026 Rate History No change since Oct 10, 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 Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 1.75% → 1.50% ▼ 0.25 pts · high 1.75% / low 1.50% Oct 14, 20261.50%▼ from 1.75% Oct 10, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.29%	1.30%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 1.50% → 1.30% ▼ 0.20 pts · high 1.50% / low 1.30% Oct 14, 20261.30%▼ from 1.50% Oct 10, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Investor's Money Market	1.19%	1.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 1.30% → 1.20% ▼ 0.10 pts · high 1.30% / low 1.20% Oct 14, 20261.20%▼ from 1.30% Oct 10, 20261.30%first recorded 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 Details Balance: $1,000.00 minimum daily balance to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 9 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 Balance: $1,000.00 minimum daily balance to earn dividends, paid monthly; Members 55 and older qualify for Platinum Checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 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 10/30/2026 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	-	-	7.24%	10 Years
Details Term: 10 Years (120 Months); As Low As; APR (High): 8.74%; Fixed-rate, fixed-term; Promo: 0.50 percentage point reduction from standard Home Equity Loan rate for applications submitted 09/17/2026 - 11/30/2026; excludes HELOCs Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Primary Residence or Second/Vacation Home	-	-	7.74%	15 Years
Details Term: 15 Years (180 Months); As Low As; APR (High): 9.24%; Fixed-rate, fixed-term; Promo: 0.50 percentage point reduction from standard Home Equity Loan rate for applications submitted 09/17/2026 - 11/30/2026; excludes HELOCs Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Investment Properties	-	-	8.24%	10 Years
Details Term: 10 Years (120 Months); As Low As; APR (High): 8.74%; Fixed-rate, fixed-term; Promo: 0.50 percentage point reduction from standard Home Equity Loan rate for applications submitted 09/17/2026 - 11/30/2026; excludes HELOCs Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Loan - Investment Properties	-	-	8.74%	15 Years
Details Term: 15 Years (180 Months); As Low As; APR (High): 9.24%; Fixed-rate, fixed-term; Promo: 0.50 percentage point reduction from standard Home Equity Loan rate for applications submitted 09/17/2026 - 11/30/2026; excludes HELOCs Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 5 times 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 Loan (2025 - 2027)	-	-	4.94%	Up to 72 months
Details As Low As; APR (High): 16.54%; New EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 4.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New EV Auto Loan (2025 - 2027)	-	-	4.94%	73-84 months
Details As Low As; APR (High): 17.28%; New EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 4.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New Hybrid Auto Loan (2025 - 2027)	-	-	5.19%	Up to 72 months
Details As Low As; APR (High): 16.79%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New Hybrid Auto Loan (2025 - 2027)	-	-	5.19%	73-84 months
Details As Low As; APR (High): 17.53%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 6 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 As Low As; APR (High): 17.04%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New auto (2025 - 2027)	-	-	5.44%	73-84 months
Details As Low As; APR (High): 17.78%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV Auto Loan (2011 - 2024)	-	-	5.44%	Up to 72 months
Details As Low As; APR (High): 17.03%; Used EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 5.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used Hybrid Auto Loan (2011 - 2024)	-	-	5.69%	Up to 72 months
Details As Low As; APR (High): 17.28%; Used Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 5.69% APR · checked 7 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 As Low As; APR (High): 17.53%; Used auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV Auto Loan (2011 - 2024)	-	-	6.43%	73-84 months
Details As Low As; APR (High): 17.29%; Used EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 6.43% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used Hybrid Auto Loan (2011 - 2024)	-	-	6.68%	73-84 months
Details As Low As; APR (High): 17.54%; Used Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 6.68% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New EV Auto Loan (2025 - 2027)	-	-	6.93%	85-96 months
Details As Low As; APR (High): 17.03%; New EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 6.93% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used auto (2011 - 2024)	-	-	6.93%	73-84 months
Details As Low As; APR (High): 17.79%; Used auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.93% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New Hybrid Auto Loan (2025 - 2027)	-	-	7.18%	85-96 months
Details As Low As; APR (High): 17.28%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.18% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used EV Auto Loan (2011 - 2024)	-	-	7.18%	85-96 months
Details As Low As; APR (High): 12.03%; Used EV auto loans; discounts available for EV financing and auto-pay Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.18% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New auto (2025 - 2027)	-	-	7.43%	85-96 months
Details As Low As; APR (High): 17.53%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.43% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used Hybrid Auto Loan (2011 - 2024)	-	-	7.43%	85-96 months
Details As Low As; APR (High): 12.28%; Used Hybrid auto loans; discounts available for auto-pay and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.43% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used auto (2011 - 2024)	-	-	7.68%	85-96 months
Details As Low As; APR (High): 12.53%; Used auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.68% APR · checked 9 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
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan	-	7.49%	Up to 72 months
Details APR (Low) shown; APR (High): 18.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - New (2024-2026)	-	7.49%	Up to 72 months
Details As Low As; APR (High): 18.24% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan	-	7.74%	73-84 months
Details APR (Low) shown; APR (High): 18.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - New (2024-2026)	-	7.74%	73-84 months
Details As Low As; APR (High): 18.49% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 4 times 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 As Low As; APR (High): 19.24% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New or used boat or RV - New boat or RV (2025 - 2027) Loan	-	7.99%	Up to 72 months
Details APR (Low) shown; APR (High): 19.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - Used (2020 - 2024) Loan	-	8.24%	Up to 72 months
Details APR (Low) shown; APR (High): 19.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - Used (2020 - 2024)	-	8.24%	Up to 72 months
Details As Low As; APR (High): 19.24% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% 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 As Low As; APR (High): 19.49% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New or used boat or RV - New boat or RV (2025 - 2027) Loan	-	8.24%	73-180 months
Details APR (Low) shown; APR (High): 19.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - Used (2020 - 2024) Loan	-	8.49%	73-84 months
Details APR (Low) shown; APR (High): 19.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - Used (2020 - 2024)	-	8.49%	73-84 months
Details As Low As; APR (High): 19.49% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New or used boat or RV - New RV (2025 - 2027) Loan	-	8.74%	181-240 months
Details APR (Low) shown; APR (High): 10.99%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New or used boat or RV - Used boat or RV (2016 - 2024) Loan	-	8.74%	Up to 72 months
Details APR (Low) shown; APR (High): 20.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New RV (2025 - 2027) Loan	-	8.74%	181-240 months
Details APR (High): 10.99% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 7 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 APR (High): 20.24% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New or used boat or RV - Used boat or RV (2016 - 2024) Loan	-	8.99%	73-180 months
Details APR (Low) shown; APR (High): 20.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 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 APR (High): 20.49% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 7 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 APR range: 10.50% - 20.50% (APR High: 20.50%); Same rates for cash advances and balance transfers. A co-signed starter card for teens to learn responsible credit use. Last Updated 10/30/2026 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 APR range: 10.50% - 20.50% (APR High: 20.50%); Same rates for cash advances and balance transfers. Last Updated 10/30/2026 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 APR range: 13.00% - 23.50% (APR High: 23.50%); Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. Last Updated 10/30/2026 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
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan	7.49%	Up to 72 months
Details APR (Low) shown; APR (High): 18.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - New (2024-2026)	7.49%	Up to 72 months
Details As Low As; APR (High): 18.24% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan	7.74%	73-84 months
Details APR (Low) shown; APR (High): 18.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - New (2024-2026)	7.74%	73-84 months
Details As Low As; APR (High): 18.49% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - Used (2020 - 2024) Loan	8.24%	Up to 72 months
Details APR (Low) shown; APR (High): 19.24%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - Used (2020 - 2024)	8.24%	Up to 72 months
Details As Low As; APR (High): 19.24% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - Used (2020 - 2024) Loan	8.49%	73-84 months
Details APR (Low) shown; APR (High): 19.49%; discounts available for automatic payments and Premier Member Merits Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan - Used (2020 - 2024)	8.49%	73-84 months
Details As Low As; APR (High): 19.49% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Line of Credit (PLOC)	10.75%
Details As Low As; APR (Low) 10.75%; APR (High): 19.50%; Repayment terms: $25 or 2.50% of the total balance, whichever is greater; Not eligible for Member Merits or automatic payment APR reduction; Annual Percentage Rate will never be more than 20.75% or the maximum allowed by law Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 19, 202610.75%▲ from 10.50% Oct 10, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Loan	12.49%	Up to 36 months
Details As Low As; APR (High): 19.99%; Personal Loan rates table Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Visa Signature	13.00%
Details APR range: 13.00% - 23.50% (APR High: 23.50%); Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. Last Updated 10/30/2026 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 As Low As; APR (High): 20.24%; Personal Loan rates table Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 16.74% APR · checked 9 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 As Low As; APR (High): 18.24% Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
New (2024-2026) Loan	-	-	7.74%	73-84 months
Details As Low As; APR (High): 18.49% Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Payday Advance Loan	-	-	27.00%	Up to 30 Days
Details APR (High): 27.00%; Personal Loan rates table Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 27.00% APR · checked 9 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 As Low As; APR (High): 19.24% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Used (2020 - 2024) Loan	-	-	8.49%	73-84 months
Details As Low As; APR (High): 19.49% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 12-23 months	3.30%	-	3.35%	12-23 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 12-23 months	3.39%	-	3.45%	12-23 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 12-23 months	3.49%	-	3.55%	12-23 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 24-35 months	2.86%	-	2.90%	24-35 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 24-35 months	2.96%	-	3.00%	24-35 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 24-35 months	3.05%	-	3.10%	24-35 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 36-47 months	2.80%	-	2.84%	36-47 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 36-47 months	2.85%	-	2.89%	36-47 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 36-47 months	2.96%	-	3.00%	36-47 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 48-59 months	2.80%	-	2.84%	48-59 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 48-59 months	2.85%	-	2.89%	48-59 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 48-59 months	2.96%	-	3.00%	48-59 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 6-11 months	3.39%	-	3.45%	6-11 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 6-11 months	3.49%	-	3.55%	6-11 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 6-11 months	3.59%	-	3.65%	6-11 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 60 months	2.80%	-	2.84%	60 months
Min Balance $500 Details Balance: $500 - $24,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 60 months	2.85%	-	2.89%	60 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Standard Certificate - 60 months	2.96%	-	3.00%	60 months
Min Balance $100,000 Details Balance: $100,000 and over; APY includes 0.25% Premier Member Merits increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · 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.
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

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

2026 MBR Health & Safety Badge

Oregon State Credit Union earned the Verified Healthy badge

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

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Oregon State Credit Union

Does Oregon State Credit Union offer CDs?

Yes. Oregon State Credit Union current CD rates include its 6 - 11 Month Standard CD at 3.65% APY, its 12 - 23 Month Standard CD at 3.55% APY and its Online 9-Month CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Oregon State Credit Union NCUA insured?

Yes. Oregon State Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Oregon State Credit Union?

The highest Oregon State Credit Union CD rate is its 5-Month CD Special at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Oregon State Credit Union offer?

Oregon State Credit Union CD rates are 3.25% APY for a 9 month CD, 3.65% APY for an 11 month CD, 3.45% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.55% APY for a 23 month CD, 3.35% APY for a 2 year CD, 3.10% APY for a 35 month CD, 3.00% APY for a 47 month CD and 2.84% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Oregon State Credit Union for its full lineup.

What is the highest savings rate at Oregon State Credit Union?

The highest Oregon State Credit Union savings rate is its High-Yield Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Oregon State Credit Union?

The highest Oregon State Credit Union money market rate is its Investor's Money Market at 1.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Oregon State Credit Union?

The highest Oregon State Credit Union checking rate is its Platinum Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Oregon State Credit Union?

The lowest Oregon State Credit Union auto loan rate is its New EV Auto Loan (2025 - 2027) at 4.94% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Oregon State Credit Union?

The lowest Oregon State Credit Union personal loan rate is its ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan at 7.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Oregon State Credit Union?

The lowest Oregon State Credit Union credit card APR is its Teen Visa Credit Card at 10.50% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Oregon State Credit Union rates compare?

Oregon State Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. Oregon State Credit Union's top rates are its 5-Month CD Special at 5.00% APY, its High-Yield Savings at 5.00% APY, its Investor's Money Market at 1.75% APY, its Platinum Checking at 0.05% APY, its ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft - New (2025 - 2027) Loan at 7.49% APR and its Teen Visa Credit Card at 10.50% APR, verified by MonitorBankRates on October 30, 2026.

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.

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Oregon State Credit Union Rates & Review November 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

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Oregon State Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Oregon State Credit Union

Does Oregon State Credit Union offer CDs?

Are CDs from Oregon State Credit Union NCUA insured?

What is the highest CD rate at Oregon State Credit Union?

What CD terms does Oregon State Credit Union offer?

What is the highest savings rate at Oregon State Credit Union?

What is the highest money market rate at Oregon State Credit Union?

What is the highest checking rate at Oregon State Credit Union?

What is the lowest auto loan rate at Oregon State Credit Union?

What is the lowest personal loan rate at Oregon State Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Oregon State Credit Union rates compare?

Current Oregon State Credit Union Rates

Compare to Other Credit Unions