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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 OUR Credit Union Rates & Review March 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: March 28, 2026
OUR Credit Union's 5 Month CD Special rates are at 4.08%, 60 Month CD Account rates are at 1.76%, CD IRAs 5 Year Fixed Rate Term rates are at 1.76%, CD IRAs Roth IRA - 60 Month CD rates are at 1.76%, 48 Month CD Account rates are at 1.51%. OUR Credit Union's savings rates are at 0.05%. OUR Credit Union's money market rates are at 0.00%. OUR Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of OUR Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.86%. Rates were last updated on 03/28/2026. OUR Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OUR Credit Union? Share your experience about OUR Credit Union by leaving a review below, or read customer reviews before you decide to use OUR Credit Union. 
OUR Credit Union CD Rates
OUR Credit Union Savings Rates
OUR Credit Union Money Market Rates
OUR Credit Union Checking Rates
OUR Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for OUR Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather OUR Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with OUR Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
OUR Credit Union
Website
https://www.ourcuonline.org
Address
3070 Normandy Rd,
Royal Oak, MI 48073
Phone
248-549-3838
Fax
248-549-0203
President
Joe Kripili
CEO
Darren Cameron
Full-Time Employees
73
Part-Time Employees
12
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+ (98/100)
Texas Ratio
3.86%
Return on Assets (ROA)
0.5089%
Return on Equity (ROE)
5.0533%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
353,683,612
Total Amount of Shares and Deposits
329,551,698
Total Shares and Deposits < 1 Year
322,761,269
Total Shares and Deposits 1 3 Years
4,867,036
Total Shares and Deposits > 3 Years
1,923,393
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,435,030
Total Uninsured Shares and Deposits > $250K (F+J)
13,435,030
Total Insured Shares and Deposits > $250K (item 17 less item K)
316,116,668
Total Interest Expense (Sum of items 6 8)
2,167,084
Share Certificates
1,790
Number of Accounts for Share Drafts
14,962
IRA KEOGH Accounts
782
Number of Accounts for Regular Shares
28,797
All other shares
170
Money Market Shares
791
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,418,794
Total Liabilities
330,594,425
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About OUR Credit UnionIs OUR Credit Union a safe place to deposit money?Yes, OUR Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8576885481699%, 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 OUR Credit Union operate?OUR Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join OUR Credit Union?Yes, to access services at OUR Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, OUR Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, OUR Credit Union provides members with tools to manage their accounts and build a solid financial history. Does OUR Credit Union offer online and mobile banking?Most modern institutions like OUR 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.ourcuonline.org. Current OUR Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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