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iAdvertiser Disclosure
Advertiser Disclosure
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 OUCU Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
OUCU Financial Credit Union's Easy Save IRA CD 12 month rates are at 4.00%, 47 month High-Yield CD Special rates are at 4.00%, High-Yield CD Special - For A Limited Time! 47 month rates are at 4.00%, 23 month High-Yield CD Special rates are at 3.80%, High-Yield CD Special - For A Limited Time! 23 month rates are at 3.80%. OUCU Financial Credit Union's savings rates are at 0.05%. OUCU Financial Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of OUCU Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.65%. Rates were last updated on 04/18/2026. OUCU Financial 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 OUCU Financial Credit Union? Share your experience about OUCU Financial Credit Union by leaving a review below, or read customer reviews before you decide to use OUCU Financial Credit Union. 
OUCU Financial Credit Union CD Rates
OUCU Financial Credit Union Savings Rates
OUCU Financial Credit Union Home Equity & HELOC
OUCU Financial Credit Union Credit Card Rates
OUCU Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for OUCU Financial 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 OUCU Financial 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 OUCU Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
OUCU Financial Credit Union
Website
https://www.oucu.org
Address
944 E State St,
Athens, OH 45701
Phone
740-597-2800
Fax
740-597-2839
President
Thom Luce
CEO
Cory Corrigan
Full-Time Employees
111
Part-Time Employees
5
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.65%
Return on Assets (ROA)
0.1728%
Return on Equity (ROE)
1.4598%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
520,423,761
Total Amount of Shares and Deposits
431,836,873
Total Shares and Deposits < 1 Year
404,782,183
Total Shares and Deposits 1 3 Years
25,928,872
Total Shares and Deposits > 3 Years
1,125,818
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,977,396
Total Uninsured Shares and Deposits > $250K (F+J)
32,977,396
Total Insured Shares and Deposits > $250K (item 17 less item K)
398,859,477
Total Interest Expense (Sum of items 6 8)
4,813,333
Share Certificates
2,557
Number of Accounts for Share Drafts
19,593
IRA KEOGH Accounts
1,081
Number of Accounts for Regular Shares
30,803
Money Market Shares
6,753
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,831,542
Total Liabilities
465,901,968
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About OUCU Financial Credit UnionIs OUCU Financial Credit Union a safe place to deposit money?Yes, OUCU Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6541795553734%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does OUCU Financial Credit Union operate?OUCU Financial 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 OUCU Financial Credit Union?Yes, to access services at OUCU Financial 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, OUCU Financial 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, OUCU Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does OUCU Financial Credit Union offer online and mobile banking?Most modern institutions like OUCU Financial 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.oucu.org. Current OUCU Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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