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Our Community Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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 and Verified: October 10, 2026

Our Community Credit Union's top rates as of October 10, 2026 are 3.50% APY on its 1 Year Launch Savings CD, 0.50% APY on savings, 0.85% APY on money market accounts, 0.20% APY on checking, personal loans from 8.49% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Our Community Credit Union CD rates include 6 Month CD at 3.50%, 1 Year CD at 3.45%, and 9 Month CD at 3.45%. MonitorBankRates evaluates the financial stability of Our Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates last updated and verified on 10/10/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.30%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Our Community Credit Union
Main Branch
526 W Cedar St
Shelton, WA 98584
https://www.ourcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Our Community Credit Union CD Rates

Product Rate APY Term View More
1 Year Launch Savings Certificate 3.44% 3.50% 1 Year
Details BUMP
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
6 Month Certificate 3.44% 3.50% 6 Month
Details BUMP
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
1 Year Certificate 3.39% 3.45% 1 Year
Details BUMP
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
9 Month Certificate 3.39% 3.45% 9 Month
Details BUMP
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
2 Year Certificate 2.61% 2.64% 2 Year
Details BUMP
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 2.64% APY · checked 5 times
2.14%2.64%3.14%Sep 18, 2026: 2.64% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
3 Year Certificate 2.42% 2.45% 3 Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
4 Year Certificate 2.22% 2.25% 4 Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.50% 0.50%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 22, 2026: 0.50% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Savings 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000.00 & Above
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Savings 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.85% 0.85%
Min Balance $100,000
Details Balance: $100,000 & Above
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Money Market 0.75% 0.75%
Min Balance $50,000
Details Balance: $50,000-$99,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Money Market 0.65% 0.65%
Min Balance $25,000
Details Balance: $25,000-$49,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Money Market 0.55% 0.55%
Min Balance $10,000
Details Balance: $10,000- $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Money Market 0.45% 0.45%
Min Balance $2,500
Details Balance: $2,500 - $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Checking Rates

Product Rate APY View More
Checking 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000.00 & Above
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Checking 0.10% 0.10%
Min Balance $20,000
Details Balance: $20,000.00 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Checking 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000.00 - $19,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity First Mortgage Position - - 7.00% 15 Years
Details LTV: 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 18, 2026: 6.75% APRSep 22, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
  • Sep 22, 20267.00%▲ from 6.75%
  • Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Fixed Rate Home Equity Line of Credit - - 7.25% 10 Years
Details First Mortgage Position; LTV: 100%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 10, 2026: 7.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Home Equity Second Mortgage Position - - 7.75% 15 Years
Details LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 18, 2026: 7.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Fixed Rate Home Equity Line of Credit - - 8.25% 10 Years
Details Second Mortgage Position; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 10, 2026: 8.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.49% 60 months
Details FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
New or Used Auto - - 4.74% up to 84 Months
Details Published APR range: 4.74% - 13.99%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Auto Loan - - 4.89% 72 months
Details FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 10, 2026: 4.89% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Auto Loan - - 5.19% 84 months
Details FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 10, 2026: 5.19% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
First Time Auto Loan Program - - 11.95%
Details Rates as low as 11.95% APR*. For New or Used Auto. Must be an OURCU Member. Ask for details. Rates offered on auto loans are fixed and based on the individuals credit score. Term is based on the loan amount and credit score. Example: A $15,000 loan, on a 48 month term, with a rate of 4.74% is approximately $344 per month. Rate, down payment, and maximum term are dependent on credit. Auto rate will increase based on credit score, the term of the loan, and mileage (not to exceed 200,000). Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 11.95% APR · checked 6 times
11.45%11.95%12.45%Sep 14, 2026: 11.95% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New or Used Boat Loan - 6.49% up to 120 Months
Details Published APR range: 6.49% - 16.49%*. No boats over 30 feet. No boats that must be moored
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
New or Used RV Loan - 6.99% up to 120 Months
Details Published APR range: 6.99% - 15.99%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
ATV Loans - New or Used - 7.49% up to 84 Months
Details Term: up to 84 Months based on Credit Score; Published APR range: 7.49% - 15.74%*.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 10, 2026: 7.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Motorcycle Loans - New or Used - 7.49% up to 84 Months
Details Term: up to 84 Months based on Credit Score; Published APR range: 7.49% - 15.74%*.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 10, 2026: 7.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Credit Card Rates

Product Rate APR View More
Platinum Visa - 11.50%
Details non-Variable Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 6 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Classic Visa - 12.50%
Details non-Variable Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 6 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Personal Loan Rates

Product APR Term View More
Signature / Personal Loan 8.49% 60 Month Maximum
Details Published APR range: 8.49% - 16.99%*.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%

Our Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
Holiday Quick Bucks Loans - - 9.95% 12 Month
Details Fixed 9.95% APR* $500 to $2,500 12 Month Term. Promotion expires December 31, 2026.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.95% APR
9.45%9.95%10.45%Oct 10, 2026: 9.95% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Home Improvement Loan - - 8.50% 120 Month Maximum
Details Published APR range: 8.50% - 9.50%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Land Loan - - 8.00% 15 Years
Details Loan to Value (LTV): 75%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Sky High Yield 5.84% - 6.00%
Min Balance $10,000
Details Balance: $10,000 & Below
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Sky High Yield 0.10% - 0.10%
Min Balance $10,000
Details Balance: $10,000 & Above
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
Sky High Yield 0.05% - 0.05%
Min Balance $0
Details Balance: $0 & Above
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.30%
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.
Powered by MonitorBankRates

Financial Health History

Our Community Credit Union’s Texas Ratio fell from 2.00% in Q3 2023 to 1.30% 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.

0% 1.0★ 0.9% 2.0★ 1.7% 3.0★ 2.6% 4.0★ 3.4% 5.0★ Healthy zone – entire history below the 15% limit 2.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.30% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$638M1.30%5.0A+
March 31, 2026$640M1.17%5.0A+
December 31, 2025$630M1.03%5.0A+
September 30, 2025$629M0.72%5.0A+
June 30, 2025$620M1.05%5.0A+
March 31, 2025$623M1.27%5.0A+
December 31, 2024$613M1.62%5.0A+
September 30, 2024$608M1.51%5.0A+
June 30, 2024$605M1.91%5.0A+
March 31, 2024$600M2.47%5.0A+
December 31, 2023$595M2.53%5.0A+
September 30, 2023$592M2.00%5.0A+
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 Our Community 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 Community 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 Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Our Community Credit Union
Website https://www.ourcu.com
Address 526 W Cedar St, Shelton, WA 98584
Phone 800-426-5657
Fax
President Mark Mager
CEO Philip Prothero
Full-Time Employees 101
Part-Time Employees 6
Branch Locations 8
ATM Locations 8
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.30%
Return on Assets (ROA)
0.5810%
Return on Equity (ROE)
4.5872%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
638,320,711
Total Amount of Shares and Deposits
551,842,624
Total Shares and Deposits < 1 Year
547,288,600
Total Shares and Deposits 1 3 Years
4,302,464
Total Shares and Deposits > 3 Years
251,560
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,949,950
Total Uninsured Shares and Deposits > $250K (F+J)
32,949,950
Total Insured Shares and Deposits > $250K (item 17 less item K)
518,892,674
Total Interest Expense (Sum of items 6 8)
3,151,296
Share Certificates
3,907
Number of Accounts for Share Drafts
17,402
IRA KEOGH Accounts
984
Number of Accounts for Regular Shares
45,284
Money Market Shares
6
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)
9,334,072
Total Liabilities
558,239,796
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Our Community Credit Union

How many branches does Our Community Credit Union operate?

Our Community 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 Community Credit Union?

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

Does Our Community Credit Union offer online and mobile banking?

Most modern institutions like Our Community 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.ourcu.com.

Current Our Community Credit Union Rates

  • 12-Month CD3.45%
  • 24-Month CD2.64%
  • Savings0.50%
  • MMA0.85%
Retrieved from our database of financial products. Rates subject to change.

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