OUR Credit Union Rates and Review January 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.
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Compare OUR Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of OUR Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityOUR Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or 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. Overall, OUR Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonRewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
Visa Student Rewards Card
17.990%
Visa or MasterCard
9.990%
Credit Line $500-$7,000
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonSignature Loan
11.500%
$0
48 - 48
Personal Loan
13.740%
$0
60
Personal Line of Credit
9.500%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have OUR Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: OUR Credit Union
Website: https://www.ourcuonline.org
Full Time Employees: 73Part Time Employees: 12 President: Joe Kripili CEO: Darren Cameron Branch Locations: 5 ATM Locations: 5 Corporate Office Address:
3070 Normandy Rd
Royal Oak, MI 48073 Phone Number: 248-549-3838 Fax Number: 248-549-0203 FinancialsTotal 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
Show More
Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About OUR Credit UnionIs a member application needed to join OUR Credit Union?Yes, to access services at OUR Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, OUR Credit Union provides a range of mortgage and home equity products. Is OUR Credit Union a safe place to deposit money?Yes, OUR Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does OUR Credit Union offer online and mobile banking?Most modern institutions like OUR Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.60%, 6-month CD rates at 0.10% and 3-month CD rates at 2.78%. Savings rates are at 0.20% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 6.06%. Credit Card rates are at 18.00%. Personal Loan rates are at 13.06%. All these rates, and more, can be found in our database of rates which you can compare to 
