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Oregonians Credit Union

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Oregonians Credit Union Rates & Review November 2026

Q: What are the current interest rates at Oregonians Credit Union?

Current rates for Oregonians Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.84%, Savings: 3.75%, MMA: 1.12%

Q: What CD terms does Oregonians Credit Union offer?

Oregonians Credit Union CD rates are 3.50% APY for a 12 month CD, 4.05% APY for a 2 year CD and 3.75% APY for a 3 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 Oregonians Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Oregonians Credit Union's 24 Month CD rates are at 4.05%, CD Accounts - 24 month rates are at 4.05%, 36 Month CD rates are at 3.75%, CD Accounts - 36 month rates are at 3.75%, 12 Month CD rates are at 3.50%. Oregonians Credit Union's savings rates are at 3.75%. Oregonians Credit Union's money market rates are at 1.12%. Oregonians Credit Union's checking rates are as high as 6.00%. Oregonians Credit Union's Mortgage Loan - 10-Year Fixed Rate rates are at 6.25%, Mortgage Loan - 15-Year Fixed Rate rates are at 6.38%, Mortgage Loan - 20-Year Fixed Rate rates are at 6.88%, Mortgages rates are at 7.00%, Mortgage Loan - 30-Year Fixed Rate rates are at 6.88%. Oregonians Credit Union's Personal Loan Rates are as low as 11.90%. Oregonians Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Oregonians Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.54%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.54%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Oregonians Credit Union
99 - Milwaukie Administration Office

6915 SE Lake Rd
Milwaukie, OR 97267

https://www.oregonianscu.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.

Oregonians Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate - 24 month	4.07%	4.15%	24 Months
Min Deposit $500 Details Term (Days): 731 - 1095 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.15% ▲ 1.15 pts · high 4.15% / low 3.00% Oct 1, 20264.15%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
24 Month CD	3.97%	4.05%	24 Months
Min Deposit $500 Details Term (Days): 731 - 1095 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Certificate Accounts - 24 month	3.97%	4.05%	24 Months
Min Deposit $500 Details Term (Days): 731 - 1095 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 4.05% ▲ 1.15 pts · high 4.05% / low 2.90% Oct 1, 20264.05%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Certificate - 36 month	3.88%	3.96%	36 Months
Min Deposit $500 Details Term (Days): 1096 - 1460 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.96% ▲ 0.91 pts · high 3.96% / low 3.05% Oct 1, 20263.96%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Bump Certificates - 24 month	3.77%	3.84%	24 Months
Min Deposit $2,500 Details Term (Days): 731 - 1095; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.70% → 3.84% ▲ 1.14 pts · high 3.84% / low 2.70% Oct 1, 20263.84%▲ from 2.70% Sep 14, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
36 Month CD	3.68%	3.75%	36 Months
Min Deposit $500 Details Term (Days): 1096 - 1460 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Certificate Accounts - 36 month	3.68%	3.75%	36 Months
Min Deposit $500 Details Term (Days): 1096 - 1460 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 3.75% ▲ 0.91 pts · high 3.75% / low 2.84% Oct 1, 20263.75%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Certificate - 48 month	3.64%	3.71%	48 Months
Min Deposit $500 Details Term (Days): 1461 - 1825 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.18% → 3.71% ▲ 0.53 pts · high 3.71% / low 3.18% Oct 1, 20263.71%▲ from 3.18% Sep 14, 20263.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Certificate - 12 month	3.54%	3.60%	12 Months
Min Deposit $1,000 Details Term (Days): 366 - 730 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.17% → 3.60% ▲ 0.43 pts · high 3.60% / low 3.17% Oct 1, 20263.60%▲ from 3.17% Sep 14, 20263.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Bump Certificates - 36 month	3.48%	3.54%	36 Months
Min Deposit $2,500 Details Term (Days): 1096 - 1460; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 3.54% ▲ 0.91 pts · high 3.54% / low 2.63% Oct 1, 20263.54%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
12 Month CD	3.44%	3.50%	12 Months
Min Deposit $1,000 Details Term (Days): 366 - 730 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
48 Month CD	3.44%	3.50%	48 Months
Min Deposit $500 Details Term (Days): 1461 - 1825 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Certificate Accounts - 12 month	3.44%	3.50%	12 Months
Min Deposit $1,000 Details Term (Days): 366 - 730 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.07% → 3.50% ▲ 0.43 pts · high 3.50% / low 3.07% Oct 1, 20263.50%▲ from 3.07% Sep 14, 20263.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Certificate Accounts - 48 month	3.44%	3.50%	48 Months
Min Deposit $500 Details Term (Days): 1461 - 1825 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.97% → 3.50% ▲ 0.53 pts · high 3.50% / low 2.97% Oct 1, 20263.50%▲ from 2.97% Sep 14, 20262.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Bump Certificates - 48 month	3.24%	3.29%	48 Months
Min Deposit $2,500 Details Term (Days): 1461 - 1825; Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate; the new rate remains for the maturity based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.77% → 3.29% ▲ 0.52 pts · high 3.29% / low 2.77% Oct 1, 20263.29%▲ from 2.77% Sep 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Certificate - 3 month	3.15%	3.20%	3 Months
Min Deposit $1,000 Details Term (Days): 91 - 180 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.38% → 3.20% ▲ 1.82 pts · high 3.20% / low 1.38% Oct 1, 20263.20%▲ from 1.38% Sep 14, 20261.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Certificate - 6 month	3.15%	3.20%	6 Months
Min Deposit $1,000 Details Term (Days): 181 - 365 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70% Oct 1, 20263.20%▲ from 2.70% Sep 14, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
3 Month CD	3.05%	3.10%	3 Months
Min Deposit $1,000 Details Term (Days): 91 - 180 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: 8.54%
6 Month CD	3.05%	3.10%	6 Months
Min Deposit $1,000 Details Term (Days): 181 - 365 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: 8.54%
Certificate Accounts - 3 month	3.05%	3.10%	3 Months
Min Deposit $1,000 Details Term (Days): 91 - 180 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.28% → 3.10% ▲ 1.82 pts · high 3.10% / low 1.28% Oct 1, 20263.10%▲ from 1.28% Sep 14, 20261.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Certificate Accounts - 6 month	3.05%	3.10%	6 Months
Min Deposit $1,000 Details Term (Days): 181 - 365 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.59% → 3.10% ▲ 0.51 pts · high 3.10% / low 2.59% Oct 1, 20263.10%▲ from 2.59% Sep 14, 20262.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	3.68%	3.75%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $100,000.00; High-Yield Tier 1 Rate; Qualifying balance up to $100,000.00; Rates current as of September 30, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Homebuyer Savings	1.00%	1.01%
Details Rates current as of September 30, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
IRA Share Accounts	0.68%	0.68%
Details Rates current as of September 30, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.68% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Saver Hounds Teen Accounts	0.19%	0.19%
Min Deposit $5 Details Balance: Up to $500; Ages 12 & under; Earn prizes for saving money Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Youth Savings - Saver Hounds Club	0.19%	0.19%
Details Balance: Up to $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.19% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Saver Hounds Teen Accounts	0.09%	0.09%
Min Deposit $5 Details Balance: Over $500; Ages 12 & under; Earn prizes for saving money Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Youth Savings - Saver Hounds Club	0.09%	0.09%
Details Balance: Over $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Club Accounts	0.02%	0.02%
Details Rates current as of September 30, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Membership Share Account	0.02%	0.02%
Details Rates current as of September 30, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Member Rewards Savings	0.00%	0.00%
Details Rates current as of September 30, 2026 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.11%	1.12%
Min Balance $25,000 Details Balance: Over $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.95% → 1.12% ▲ 0.17 pts · high 1.12% / low 0.95% Oct 14, 20261.12%▲ from 0.95% Sep 14, 20260.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Money Market Account	0.95%	0.95%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Money Market Account	0.87%	0.87%
Min Balance $2,501 Details Balance: $2,501 - $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.87% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Money Market Account	0.71%	0.71%
Min Balance $0 Details Balance: Up to $2,500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	5.82%	6.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: Up to $25,000; Rate: High-Yield Tier 1 Rate; Monthly Goal must be met for this rate; Limit of one High-Yield Checking account per member; Not available on business memberships; Paper statements subject to $3.00 monthly fee Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Unlimited Checking	0.00%	0.00%
Min Deposit $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.13%	0.13%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Business Checking	0.00%	0.00%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - 10-Year Fixed Rate	6.25%	0	6.362%	10 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 15-Year Fixed Rate	6.375%	0	6.455%	15 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.46% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 10-Year Fixed Rate	6.125%	1	6.462%	10 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.46% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 15-Year Fixed Rate	6.25%	1	6.489%	15 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 20-Year Fixed Rate	6.875%	0	6.94%	20 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 20-Year Fixed Rate	6.75%	1	6.944%	20 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgages	7.00%	-	7.00%	30 years
Details As Low As; 30-year rate; Homepage featured rate Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.13% / low 6.38% Oct 26, 20267.00%▼ from 7.13% Oct 10, 20267.13%▲ from 6.88% Oct 1, 20266.88%▲ from 6.38% Sep 18, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 30-Year Fixed Rate	6.875%	1	7.025%	30 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Mortgage Loan - 30-Year Fixed Rate	7.00%	0	7.05%	30 years
Details Rates current as of October 22, 2026; Apply Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Balloon	7.00%	-	7.00%	36 Months
Details Credit tier: A+ (725+); Max LTV: 80%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.12% → 7.00% ▲ 0.88 pts · high 7.00% / low 6.12% Oct 1, 20267.00%▲ from 6.12% Sep 14, 20266.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Home Equity Loan	7.04%	-	7.04%	84 Months
Details Credit Tier: A+ (725+); Max LTV: 80%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Home Equity Balloon	7.25%	-	7.25%	36 Months
Details Credit tier: A+ (725+); Max LTV: 75%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.37% → 7.25% ▲ 0.88 pts · high 7.25% / low 6.37% Oct 1, 20267.25%▲ from 6.37% Sep 14, 20266.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Home Equity Loan	7.29%	-	7.29%	10 Years
Details Credit Tier: A+ (725+); Max LTV: 80%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Non-Owner Occupied Equity Loan	7.29%	-	7.29%	84 Months
Details Credit Tier: A+ (725+); Max LTV: 75%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
HELOC	-	-	7.50%	15 year draw period
Details Credit tier: A+ (725+); 12-Month Intro APR: 4.50%; Max LTV: 80%; Annual Fee: $25; Standard Rate is variable, based on WSJ Prime + 0.50%, never exceeds 9.00% APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 1, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied HELOC	-	-	7.50%	15 year draw period
Details Credit tier: A+ (725+); 12-Month Intro APR: 4.50%; Max LTV: 75%; Annual Fee: $25; Standard Rate is variable, based on WSJ Prime + 0.50%, never exceeds 9.00% APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 1, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Non-Owner Occupied Equity Loan	7.54%	-	7.54%	10 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity Balloon	7.62%	-	7.62%	60 Months
Details Credit tier: A+ (725+); Max LTV: 80%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.12% → 7.62% ▲ 1.50 pts · high 7.62% / low 6.12% Oct 1, 20267.62%▲ from 6.12% Sep 14, 20266.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity Balloon	7.74%	-	7.74%	84 Months
Details Credit tier: A+ (725+); Max LTV: 80%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.87% → 7.74% ▲ 0.87 pts · high 7.74% / low 6.87% Oct 1, 20267.74%▲ from 6.87% Sep 14, 20266.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Home Equity Balloon	7.87%	-	7.87%	60 Months
Details Credit tier: A+ (725+); Max LTV: 75%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.37% → 7.87% ▲ 1.50 pts · high 7.87% / low 6.37% Oct 1, 20267.87%▲ from 6.37% Sep 14, 20266.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Home Equity Balloon	7.99%	-	7.99%	84 Months
Details Credit tier: A+ (725+); Max LTV: 75%; Rates fixed, not APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.12% → 7.99% ▲ 0.87 pts · high 7.99% / low 7.12% Oct 1, 20267.99%▲ from 7.12% Sep 14, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Home Equity Loan	8.04%	-	8.04%	12 Years
Details Credit Tier: A+ (725+); Max LTV: 80%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Home Equity Loan	8.29%	-	8.29%	15 Years
Details Credit Tier: A+ (725+); Max LTV: 80%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Non-Owner Occupied Equity Loan	8.29%	-	8.29%	12 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Equity (Fixed Rate) Loan - Non-Owner Occupied Equity Loan	8.54%	-	8.54%	15 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Fixed rate, not APR Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2022 & Newer	-	-	5.36%	36 Months
Details Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.08% → 5.36% ▲ 0.28 pts · high 5.36% / low 5.08% Oct 1, 20265.36%▲ from 5.08% Sep 14, 20265.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loans	-	-	5.36%
Details As Low As; Homepage featured rate Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.50% → 5.36% ▲ 0.86 pts · high 5.36% / low 4.50% Oct 10, 20265.36%▲ from 5.08% Oct 1, 20265.08%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2022 & Newer	-	-	5.41%	60 Months
Details Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.13% → 5.41% ▲ 0.28 pts · high 5.41% / low 5.13% Oct 1, 20265.41%▲ from 5.13% Sep 14, 20265.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2022 & Newer	-	-	5.45%	72 Months
Details Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.17% → 5.45% ▲ 0.28 pts · high 5.45% / low 5.17% Oct 1, 20265.45%▲ from 5.17% Sep 14, 20265.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2022 & Newer	-	-	5.48%	84 Months
Details Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.20% → 5.48% ▲ 0.28 pts · high 5.48% / low 5.20% Oct 1, 20265.48%▲ from 5.20% Sep 14, 20265.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2017-2021	-	-	5.86%	36 Months
Details Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.58% → 5.86% ▲ 0.28 pts · high 5.86% / low 5.58% Oct 1, 20265.86%▲ from 5.58% Sep 14, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2017-2021	-	-	5.91%	60 Months
Details Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 5.91% ▲ 0.28 pts · high 5.91% / low 5.63% Oct 1, 20265.91%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2017-2021	-	-	5.95%	72 Months
Details Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.67% → 5.95% ▲ 0.28 pts · high 5.95% / low 5.67% Oct 1, 20265.95%▲ from 5.67% Sep 14, 20265.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2017-2021	-	-	5.98%	84 Months
Details Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.70% → 5.98% ▲ 0.28 pts · high 5.98% / low 5.70% Oct 1, 20265.98%▲ from 5.70% Sep 14, 20265.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2016 & Older	-	-	6.36%	36 Months
Details Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.08% → 6.36% ▲ 0.28 pts · high 6.36% / low 6.08% Oct 1, 20266.36%▲ from 6.08% Sep 14, 20266.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2016 & Older	-	-	6.41%	60 Months
Details Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.41% ▲ 0.28 pts · high 6.41% / low 6.13% Oct 1, 20266.41%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2016 & Older	-	-	6.45%	72 Months
Details Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.17% → 6.45% ▲ 0.28 pts · high 6.45% / low 6.17% Oct 1, 20266.45%▲ from 6.17% Sep 14, 20266.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Auto Loan - 2016 & Older	-	-	6.48%	84 Months
Details Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.20% → 6.48% ▲ 0.28 pts · high 6.48% / low 6.20% Oct 1, 20266.48%▲ from 6.20% Sep 14, 20266.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
First Time Auto Buyer Loan	-	-	12.11%	Up to 72 months
Details Max LTV: 90%; Credit tier: A+ (725+); Standard rate is fixed and the same for all terms; Maximum loan amount $25,000; Vehicle must be up to 10 years old with under 100,000 miles Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 12.11% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - Motorcycles (>1000cc)	-	7.91%	Up to 60 months
Details Credit Tier: A+ (725+); Max LTV: 100% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.91% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - RV	-	8.25%	36 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; Recreational vehicle loan; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - RV	-	8.25%	60 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; Recreational vehicle loan; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - RV	-	8.25%	72 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; Recreational vehicle loan; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - Toy Loans	-	8.25%	36 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; ATVs, boats, motorcycles, snowmobiles, jet skis, trailers and other recreational vehicles; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - Toy Loans	-	8.25%	60 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; ATVs, boats, motorcycles, snowmobiles, jet skis, trailers and other recreational vehicles; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - Toy Loans	-	8.25%	72 Months
Details Credit Tier: A+ (725+); Max LTV: 100%; ATVs, boats, motorcycles, snowmobiles, jet skis, trailers and other recreational vehicles; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - RV	-	8.50%	10 Years
Details Credit Tier: A+ (725+); Max LTV: 100%; Recreational vehicle loan; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Recreational Loans - RV	-	8.75%	12 Years
Details Credit Tier: A+ (725+); Max LTV: 100%; Recreational vehicle loan; Rates are APR; Apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Motorcycle Loans - Motorcycles (<1000cc)	-	8.91%	Up to 60 months
Details Credit Tier: A+ (725+); Max LTV: 80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.91% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	11.90%
Details Credit tier: A+ (725+); Standard Rate is variable; $10 annual fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Personal Loan	11.90%	Up to 60 months
Details Credit Tier: A+ (725+); Standard Rate is fixed and the same for all terms Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

Oregonians Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bicycle & Electric Bike Loan	-	-	6.91%	Up to 36 months
Details Credit tier: A+ (725+); Max LTV: 80%; Standard APR is fixed and the same for all terms; Maximum loan amount $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.91% ▲ 0.28 pts · high 6.91% / low 6.63% Oct 1, 20266.91%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Home Improvement Loan	-	-	9.04%	Up to 10 years
Details Credit tier: A+ (725+); Max LTV: 100% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.17% → 9.04% ▲ 0.87 pts · high 9.04% / low 8.17% Oct 1, 20269.04%▲ from 8.17% Sep 14, 20268.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Equity Loan	7.29%	-	7.29%	84 Months
Details Credit Tier: A+ (725+); Max LTV: 75%; Rate is fixed and not an APR Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Equity Loan	7.54%	-	7.54%	10 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Rate is fixed and not an APR Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Equity Loan	8.29%	-	8.29%	12 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Rate is fixed and not an APR Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%
Non-Owner Occupied Equity Loan	8.54%	-	8.54%	15 Years
Details Credit Tier: A+ (725+); Max LTV: 75%; Rate is fixed and not an APR Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.54%

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

Oregonians Credit Union’s Texas Ratio rose from 3.68% in Q3 2023 to 8.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$339M	8.54%	5.0	A
March 31, 2026	$342M	8.69%	5.0	A
December 31, 2025	$339M	6.90%	5.0	A
September 30, 2025	$338M	4.69%	5.0	A+
June 30, 2025	$340M	4.06%	5.0	A+
March 31, 2025	$342M	3.16%	5.0	A+
December 31, 2024	$341M	4.23%	5.0	A+
September 30, 2024	$343M	2.36%	5.0	A+
June 30, 2024	$344M	3.41%	5.0	A+
March 31, 2024	$350M	3.37%	5.0	A+
December 31, 2023	$348M	3.66%	5.0	A+
September 30, 2023	$358M	3.68%	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 Oregonians 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 Oregonians 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 Oregonians Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oregonians Credit Union

Website https://www.oregonianscu.com

Address 6915 SE Lake Rd, Milwaukie, OR 97267

Phone 503-239-5336

Fax

President Alicia Anderson

CEO Bryce Mortensen

Full-Time Employees 66

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.54%

Return on Assets (ROA)

0.3722%

Return on Equity (ROE)

2.2629%

Non-Performing Loans Ratio (NPL)

2.15%

Total Assets

339,197,055

Total Amount of Shares and Deposits

279,997,218

Total Shares and Deposits < 1 Year

274,092,985

Total Shares and Deposits 1 3 Years

4,778,674

Total Shares and Deposits > 3 Years

1,125,560

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

7,766,806

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

7,766,806

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

272,230,412

Total Interest Expense (Sum of items 6 8)

856,058

Share Certificates

1,254

Number of Accounts for Share Drafts

12,995

IRA KEOGH Accounts

687

Number of Accounts for Regular Shares

21,110

Money Market Shares

894

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)

43,421,262

Total Liabilities

283,460,239

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Oregonians 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Oregonians Credit Union

Does Oregonians Credit Union offer CDs?

Yes. Oregonians Credit Union current CD rates include its 24 Month CD at 4.05% APY, its CD Accounts - 24 month at 4.05% APY and its 36 Month CD at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Oregonians Credit Union NCUA insured?

Yes. Oregonians 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 Oregonians Credit Union?

The highest Oregonians Credit Union CD rate is its IRA CD - 24 month at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Oregonians Credit Union offer?

Oregonians Credit Union CD rates are 3.50% APY for a 12 month CD, 4.05% APY for a 2 year CD and 3.75% APY for a 3 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 Oregonians Credit Union for its full lineup.

What is the highest savings rate at Oregonians Credit Union?

The highest Oregonians Credit Union savings rate is its High-Yield Savings at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Oregonians Credit Union?

The highest Oregonians Credit Union money market rate is its Money Market Account at 1.12% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Oregonians Credit Union?

The highest Oregonians Credit Union checking rate is its Business Checking at 0.13% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Oregonians Credit Union?

The lowest Oregonians Credit Union 30 year fixed mortgage rate is its Mortgage Loan - 30-Year Fixed Rate at 6.875%, verified by MonitorBankRates as of October 30, 2026. Oregonians Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.25% for a 15 year mortgage and 6.125% for a 10 year mortgage.

What is the lowest auto loan rate at Oregonians Credit Union?

The lowest Oregonians Credit Union auto loan rate is its Auto Loan - 2022 & Newer at 5.36% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Oregonians Credit Union?

The lowest Oregonians Credit Union personal loan rate is its Personal Line of Credit at 11.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Oregonians Credit Union operate?

Oregonians 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 Oregonians Credit Union?

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

Does Oregonians Credit Union offer online and mobile banking?

Most modern institutions like Oregonians 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.oregonianscu.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 Oregonians Credit Union rates compare?

Oregonians Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. Oregonians Credit Union's top rates are its IRA CD - 24 month at 4.15% APY, its High-Yield Savings at 3.75% APY, its Money Market Account at 1.12% APY, its High-Yield Checking at 6.00% APY, its Mortgage Loan - 10-Year Fixed Rate at 6.125% and its Personal Line of Credit at 11.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Oregonians Credit Union Rates

12-Month CD3.50%
24-Month CD3.84%
Savings3.75%
MMA1.12%

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

Compare to Other Credit Unions

Oregonians Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Oregonians Credit Union Texas Ratio

Oregonians Credit Union Health Trend

Oregonians Credit Union CD Rates

Oregonians Credit Union Savings Rates

Oregonians Credit Union Money Market Rates

Oregonians Credit Union Checking Rates

Oregonians Credit Union Business Checking Rates

Oregonians Credit Union Mortgage Rates

Oregonians Credit Union Home Equity & HELOC

Oregonians Credit Union Auto Loan Rates

Oregonians Credit Union RV, Boat and Powersport Loan Rates

Oregonians Credit Union Personal Loan Rates

Oregonians Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Oregonians Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Oregonians Credit Union

Does Oregonians Credit Union offer CDs?

Are CDs from Oregonians Credit Union NCUA insured?

What is the highest CD rate at Oregonians Credit Union?

What CD terms does Oregonians Credit Union offer?

What is the highest savings rate at Oregonians Credit Union?

What is the highest money market rate at Oregonians Credit Union?

What is the highest checking rate at Oregonians Credit Union?

What is the lowest 30 year fixed mortgage rate at Oregonians Credit Union?

What is the lowest auto loan rate at Oregonians Credit Union?

What is the lowest personal loan rate at Oregonians Credit Union?

How many branches does Oregonians Credit Union operate?

Is a member application needed to join Oregonians Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Oregonians 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 Oregonians Credit Union rates compare?

Current Oregonians Credit Union Rates

Compare to Other Credit Unions