Serving you through COVID-19

This page last reviewed on 8/14/2020 at 9:30 a.m.

Oregon State Credit Union is here to help our members during the COVID-19 crisis. We recommend that you take the safe approach.  Skip the trip to a branch and use our online services whenever possible. 

We will review your situation and work to find an individual financial solution. We are committed to bringing you relief. From Skip a Payment to loan modifications to lower monthly payments, we are committed to bringing you relief during these uncertain times.   Please call us at 1-800-732-0173, send an email using secure email in online banking, or contact us.

See the sections below for three categories of updates: 1) select recent developments relating to COVID-19 2) our financial services updates and 3) fraud and security notices.


Recent developments

Our Commitment to Your Safety and Service Access

August 14, 2020 — Oregon State Credit Union is here to help our members during the COVID-19 crisis. To reduce your risk of exposure to coronavirus, we recommend you take the safe approach: skip the trip to a branch and use our online services whenever possible.

  • Branch safety precautions:
    • Social distancing and directional signage.

    • Masks or face shields that cover mouth and nose required (children under age five exempted).

    • Hand sanitizing stations.

    • Acrylic shields installed for additional protection.

    • Daily branch cleaning and sanitization of work surfaces between member transactions.

    • As a safety precaution we are limiting the number of members permitted in a branch lobby. When maximum branch capacity exceeds safety standards the door may be temporarily locked. Please wait outside until an employee comes to the door, or proceed through one of our drive up lanes.

Note: Due to the pandemic, our branch lobby access is limited, and wait times for our lobbies and drive ups are now longer than usual.

Your safety is important. We recommend you skip the trip to a branch and use our online services whenever possible. By skipping the trip, you help keep your friends, loved ones and our communities safe during the pandemic.

Masks required to enter branch

June 23, 2020 - Effective Wednesday, June 24, 2020, all Oregon State Credit Union branches will require members to wear a face covering in order to enter our lobbies. Members who do not have face coverings will be asked to use our digital services, ATM, night depository or the drive-up to complete transactions.

As concerns about the spread of COVID-19 continue, the health and safety of our members and employees remains our top priority. Thank you for your cooperation and understanding.


Services and updates from Oregon State Credit Union

Your cash is safer in the credit union

May 18, 2020 - The COVID-19 pandemic and accompanying recession has ushered in fear and additional uncertainty, and it may be tempting to stockpile large amounts of cash at home. Before you take that step, consider three reasons your cash is safer at a credit union.

We’re people helping people

May 12, 2020 - As a not-for-profit financial cooperative, Oregon State Credit Union puts members at the center of all we do. We serve more than 119,000 people in the state of Oregon. The credit union business model allows us to put earnings back into serving members, providing real, tangible benefits. We are committed to helping people through these challenging times. Learn more about COVID-19 member support.

A message from the CEO of Oregon State Credit Union

May 10, 2020

Dear Valued Member:

We are here to help you

I’m reaching out to reassure you that we at Oregon State Credit Union are here to help. We’re not here only in the good times, but also when times are tough because, at its core, your credit union is not simply a building or a system, it is people helping people. We are unified for a common goal, which right now is to get everyone through this COVID-19 global pandemic together.

Your money is safe and insured

We know there are many things to worry about these days, but the safety of your money in your credit union shouldn’t be one of them. Your money is safe, and your accounts are fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. There is no risk to keeping money in your credit union account, but there are countless risks to holding cash.

The COVID-19 pandemic has temporarily canceled, postponed, slowed down and shut down most of American life and our economy. The good news is your credit union is financially strong and accessible in a variety of socially responsible ways. We have tools in place that allow you to meet virtually all of your financial needs without leaving your home. If you’ve not yet enrolled in our free digital banking services, now is a great time to sign up for online banking and download our mobile banking app.

As the days and months go by, more and more Oregonians are being impacted by this pandemic. Our team is here to work with you to find individualized financial solutions to help you deal with any financial hardship you may be experiencing.

Challenging times and appreciation to our members

As we approach almost eight weeks of enduring this COVID 19 pandemic, our team is focused on our credit union vision of “creating financial solutions to make lives better.” Like you, we have experienced things we never thought we’d deal with in our lifetime, and we’ve made changes to our operations that we know have created some challenges. We appreciate the patience and understanding that you’ve shown to us. Many of you have been significantly impacted by the effects of COVID 19, and some of you have been significantly annoyed. It’s all perfectly OK.

The COVID 19 pandemic is real. Fear and uncertainty can be a challenge to overcome, but I have great confidence that together, people helping people, with determination and courage, this, too, will pass. Our goal is to stay focused on our purpose, which is to serve you, the member owners.

Our message is simple: we know your financial well-being may be negatively impacted as a result of the coronavirus, and you may face unexpected hardships. However, Oregon State Credit Union is here to help. Please take care of yourself and your loved ones. Better and brighter days are ahead.


Richard S. Hein

President and CEO

Oregon State Credit Union

Stay home, stay safe: How to access your accounts

May 5, 2020 - You can handle most of your financial transactions with Oregon State Credit Union using online banking or our mobile app.

Find our routing number

April 30, 2020 - If you’re updating your direct deposit information through the IRS “Get My Payment” application and need our routing number, you can find it at the bottom of every page of our website, including this page. To find reliable and up-to-date information about the COVID-19 economic impact payments, visit the Consumer Financial Protection Bureau’s Guide to COVID-19 Economic Stimulus Relief.

Another convenient way to pay your loan

April 28, 2020 - Did you know you can pay your Oregon State Credit Union loans using your debit card at another financial institution? There’s no fee to use this service. You can pay any type of loan except home loans and business loans. Just enroll in online banking set up your online services to get started.

More options for at-home learning

April 24, 2020 - Are you looking for fresh educational activities for your K-12 student? Check out our new K-12 education portal. It features more than 100 game-based interactive lessons from covering life skills and academic subjects. It’s free to use, and during this period of at-home learning, we’re making it available to all students.

Get answers to your student loan questions

April 23, 2020 - On March 27, 2020, the president signed the CARES Act into law, which, among other things, provides broad relief for federal student loan borrowers. The United States Department of Education has posted an FAQ that answers questions about several provisions of the CARES Act.

Learn more about personal finances with these video courses

April 22, 2020 - You make important financial decisions every day. We’re here to help. Browse this suite of our financial education videos on topics that range from the simple (What’s a checking account?) to the complex (How do credit scores work?). Other topics include budgeting, buying a home, paying for college and planning for retirement. If you’ve got time on your hands, spend some of it learning more about personal finance.

Use the home budget analysis calculator to control your budget

April 21, 2020 - One of the most important aspects of controlling your budget is to determine where your money is going. This home budget analysis calculator will help you do that. By entering your income and monthly expenses, you can see how much you have left to save and where your money is being spent.

Keep your accounts safe with a strong password

April 20, 2020 - With so many people working, banking and shopping online, it’s more important than ever to have a strong password. Learn how to make your best password and keep your online accounts safe and secure

Answers to your financial questions

April 17, 2020 - During the COVID-19 crisis, you may find yourself in places you never expected to be, looking for answers to questions you never thought you would ask. What happens if a bill goes into collections? How can I reduce my expenses even more? We want to help. We have a credit and debt toolkit that can help you navigate some of your money management options.

As always, Oregon State Credit Union is here for our members. Call us if you need help. We will review your situation and work to find an individualized financial solution. From Skip a Payment to loan modifications to lower monthly payments, we are committed to bringing you relief during these uncertain times.

Skip the trip to the branch and bank online

April 17, 2020 - As a precautionary measure, we strongly encourage all our members to “skip the trip” and use our online solutions. You can enroll in online banking or the app. These services will allow you to make payments, view transactions, check balances, see your current account, conduct transfers, and send electronic communications. Additional services to help you:

  • Mobile check deposit – You can deposit checks using our “check deposit” feature in our app.

  • Pay it Now – Send money to a friend or transfer money to an account. Pay it now is available in our app and online banking.

  • Make a loan payment – You can pay your loan using a debit card from another financial institution in our app and online banking.

Use Pay It Now to send money

April 16, 2020 - Owe someone money? Use our Pay It Now service to send money to another person (P2P) or send and receive money between your Oregon State Credit Union checking or savings accounts and your deposit accounts at another financial institution (A2A). It’s easy, fast and secure. You need to be a member of Oregon State Credit Union, be 18 years old or older, and be enrolled in online banking.

Relief in uncertain times

April 13, 2020 - Oregon State Credit Union is here to help our members during the COVID-19 crisis. We will review your situation and work to find an individualized financial solution. From Skip a Payment to loan modifications to lower monthly payments, we are committed to bringing you relief during these uncertain times.

Your money is safe and insured

April 10, 2020 — There’s a lot of uncertainty right now, but for the millions of people and small business owners who use a credit union, know your money is safe and insured, and you’ve got a trusted partner ready to help you.

A message from the Oregon State Credit Union Board Chair

April 09, 2020

To our member-owners and employees:

I hope this message finds you and your families safe and healthy. A year ago we could not have predicted the kind of economic uncertainty that we all face today. The Coronavirus, COVID-19, is first and foremost a human tragedy affecting hundreds of thousands of people in the United States. It is also having a profound impact on the economy and our way of life. Unprecedented government actions to stop the spread of the virus and flatten the infection curve have stopped a once-thriving economy in its tracks and created record unemployment in our state and our nation. The result of these necessary public health and safety measures can be seen in every community we serve. Businesses have been forced to close, people have lost their jobs, children and young people have seen their academic school year shut-down, and families are left to deal with the uncertainty of what is next and deal with the fear of the unknown.

But here is what we do know. What started as a public health crisis and transitioned to a financial crisis for millions of Americans and Oregonians has put our first responders, health care professionals and essential service providers on the front lines. As a member-owned, not-for-profit credit union, we are an essential service provider. We recognize that, COVID-19 or not, we exist to serve our members in good times and in unbelievable times like these.

Your Board of Directors, elected by our members, want to express our immense gratitude and appreciation to our members for the patience, kindness, understanding and resiliency you are showing every day. To ensure the safety and health of our members and staff, we’ve implemented unprecedented operational changes. These changes are necessary to help us deal with the large, complex issues we are presently facing and to continue to provide you access to your financial information, accounts and cash. Collectively, your response to those changes and how you’ve shown appreciation and grace to our staff has been inspiring. Thank you all.

To our staff, every day you are living out an important credit union creed: people helping people. In the face of this uncertainty, you continue to show up to fulfill your purpose, serving our members in a safe and socially responsible way. In a matter of days and weeks, you have adapted to the current environment, always staying focused on our members and providing unsurpassed member experiences. Your innovation, creativity, flexibility and commitment to service is greatly appreciated. Thank you for all that you are doing. We will get through this together and be stronger and wiser as a result.

Finally, to our first responders and health care professionals in every community we serve, thank you for the amazing work you are doing in the fight against the coronavirus.

With admiration and respect,

Shannon Cruz

Oregon State Credit Union Board Chair

Stimulus payments on their way

April 9, 2020 - The first wave of COVID-19 stimulus payments will begin arriving soon. If you have direct deposit on your tax refunds, your stimulus payment will also be direct deposited. Paper checks will take longer to arrive which gives you time to enroll in online banking and download our mobile app so you can deposit your stimulus check using your smart phone. Learn more about IRS economic impact payments.

Your money is safe with us

April 8, 2020 - All credit union deposits are insured up to $250,000 per account. The safest place for your money is in your credit union account. There is no risk to keeping money in a credit union account, but there are countless risks to holding cash.

Budgeting during COVID-19 uncertainty

April 7, 2020 - Even if you keep your job, the COVID-19 crises is likely to affect your personal finances. Here are some steps you can take now to protect yourself during these uncertain times with this article: How to budget during COVID-19 uncertainty.

Activities online for at home financial learning and fun

April 7, 2020 — As COVID-19 challenges continue, time at home with the kids can be a financial learning opportunity.

  • Go to our Financial Literacy page to use our fun, online, engaging activities to build conversations with kids and teens about financial health, saving habits, and thinking about the future.

Liam Sass, Scottie Saver member, age 6, Oregon State Credit Union

Liam Sass, Scottie Saver member from Corvallis, is seen above with his Scottie coloring sheet, a bold entry in the kid's coloring contest. Liam was our first contestant in the Youth Financial Literacy Month contest running April 1-17. The contest includes an age-appropriate activity for teens.

You and your credit union: financial well-being

April 3, 2020 — Covid-19 has changed our way of life. As a result, we know your financial well-being may be negatively impacted and create unexpected hardships. Oregon State Credit Union is here to help.

Unexpected hardships: we're here to help

April 3, 2020 — A message from Rick Metsger, former NCUA (National Credit Union Association) Chair

Covid-19 has changed our way of life. As a result, we know your financial well-being may be negatively impacted and create unexpected hardships. Oregon State Credit Union is here to help.

  • Contact us using a desktop computer to access our on-line banking secure email or call us at 800-732-0173.

  • If you call, please be patient as we are experiencing higher than normal call volumes. We exist to serve our members, and now more than ever you can count on us to assist you in identifying individualized financial solutions to help you through these unprecedented times.

How to deposit your "Cares Act" check

March 30, 2020 - On March 27, the United States House and Senate passed the CARES Act and the President signed it into law. The CARES Act provides emergency assistance and health care response for individuals, families and businesses affected by the 2020 coronavirus pandemic. The bill includes several elements aimed at helping keep people engaged in the economy. One element of the CARES Act will be direct payments issued by the U.S. Treasury to millions of Americans. If your payment is not received by direct deposit, you can skip the trip to a branch by accessing your mobile banking app and using the mobile check deposit feature. You can also use the night depository located on each of our branch buildings, or deposit your check through one of our branch ATMs and nearly 30,000 CO-OP ATMs nationwide.

While our branch lobbies remain closed, our drive through lanes are open from 8:30 A.M. to 6 P.M.  Monday through Friday to deposit your check. These are safe and socially responsible ways to make deposits to your accounts during these unprecedented times.

Branch lobbies are closed

March 22, 2020 — As a result of Covid-19 and Oregon Governor Kate Brown’s directive for Oregonians to stay home and stay healthy, out of an abundance of caution, effective Monday, March 23rd all Oregon State Credit Union branch lobbies will be closed.

  • Open: All of our drive through locations will be open 8:30 a.m. to 6 p.m. Monday through Friday to serve our members.

  • Closed: Our Sunset branch at 4800, Research Way in Corvallis will be closed.

  • Bank online or with the app:

    • We’ve made it easy for you to Skip the trip to a branch altogether with 24/7 access to your accounts and financial information using our easy and convenient online banking and app options like mobile check deposit, Pay it Now where you can send money from people to people and account to account, use our bill pay service, account to loan service and access cash from our branch ATM’s.  Plus, you have 24/7 access to our call center where we can answer your questions.

These unprecedented times and changes we are making are impacting how we do business. To the extent we can, we want to continue to make sure our members can make choices about how to access your financial information and accounts. Ultimately, decisions like closing lobbies and going to drive through lanes to keep our essential service business available to members, is being guided by our concern for the health, safety and well-being of our members, our staff and the communities we serve. Thank you for being a member at Oregon State Credit Union.

Protecting members, employees

March 17, 2020 — How we are protecting our members and employees during the Coronavirus (COVID-19) outbreak? Oregon State Credit Union is closely monitoring the Coronavirus (COVID-19) outbreak and keeping current on updates in Oregon as well as other areas across the United States. The safety of our members and employees is our highest priority. Our employees are actively following the Centers for Disease Control (CDC) guidelines to stay healthy to help prevent the spread of the virus. In our branches, we have added hand sanitizer stations for members, removed non-essential items, and the branches are being cleaned and sanitized daily. Resource: Learn more at

Service updates

  • March 22, 2020 — Branch lobbies are now closed.  Drive-ups are still open.

  • March 18, 2020 — Out of concerns related to the COVID-19 virus, effective immediately, we are suspending Shared Branching operations.

  • March 17, 2020 — As a result of concerns related to the Covid-19 virus and out of an abundance of caution, our Annual Meeting will be held virtually this year on April 1, 2020 at 6:00pm. Learn more details about the Annual Meeting.

Skip the trip

March 17, 2020 — As a precautionary measure, we strongly encourage all our members to “skip the trip” and use our online solutions.  You can enroll in online banking or the app.  These services will allow you to make payments, view transactions, check balances, see your current account, conduct transfers, and send electronic communications. Additional services to help you:

  • Mobile check deposit – You can deposit checks using our “check deposit” feature in our app.

  • Pay it Now  – Send money to a friend or transfer money to an account.  Pay it now is available in our app and online banking.

  • Make a loan payment – You can pay your loan using a debit card from another financial institution in our app and online banking.

Access accounts with online services

Learn more about account access and service options including online convenience by phone, tablet or laptop.


Financial security and fraud updates

Fake mask-exemption cards

June 29, 2020 - There are posts circulating on the internet claiming to be cards you can print out and carry. The cards say the holder has a disability that prevents them from wearing a face mask. There are different versions of the cards, but some of them carry an official-looking seal of the U.S. Department of Justice (DOJ). The DOJ is one of the agencies responsible for enforcing the Americans with Disabilities Act (ADA). These cards are fraudulent; they have not been issued or endorsed by the DOJ. The DOJ urges residents to not rely on the information contained in these posts, and to visit website for information issued by that agency.

Watch out for contact tracing scams

June 15, 2020 - Contact tracing is the process of identifying people who have come in contact with someone who has tested positive for COVID-19. Unfortunately, there are people out there pretending to be contact tracers, but who are actually scammers trying to steal your personal information. The Oregon Department of Justice has issued a warning about this scam.

Avoid face mask scams

May 14, 2020 - People have been reporting they paid online stores for face masks and toilet paper but didn’t get anything. Before you order from an unfamiliar online store, consider these FTC tips to avoid facemask scams.

Report stolen stimulus checks

May 8 — Is your economic stimulus payment late? If you suspect you may have been the victim of an identity thief, you can report it to the Federal Trade Commission and the IRS at the same time. 

Watch out for bogus COVID-19 cures and treatments

May 7, 2020 — There are currently no products you can buy online that are proven to treat COVID-19, but that doesn’t stop criminals from trying to sell you the latest in bogus treatments or cures. Learn what you need to know to protect yourself from this scam.

New phishing scam seeks personal information

May 4, 2020 - There’s a new phishing scam going around. Fraudsters are sending text messages to people trying to get their personal information. Learn more about this new scam so you can protect yourself and your information.

Watch for these stimulus payment scams

April 28, 2020 - We know there’s been a flood of information and updates about the U.S. government’s economic impact payments, or so-called stimulus checks. We also know that the more you know about the process, the less likely you’re going to be tripped up by calls, text messages or emails from scammers trying to steal your money or personal information.

Here’s what you need to know about the stimulus payments and how to avoid scams related to these payments.

Be alert for scammers posing as government officials

April 17, 2020 - Criminals never give up, so don’t let your guard down. This article from the Federal Trade Commission is about scammers posing as government officials in bogus phone calls. The callers ask for money or personal information. Don’t fall for it.

Warning about new Social Security benefit suspension scam

April 1, 2020 - The Social Security Office of the Inspector General has received reports that Social Security beneficiaries have received letters through the U.S. Mail stating their payments will be suspended or discontinued unless they call a phone number referenced in the letter. Scammers may then mislead beneficiaries into providing personal information or payment via retail gift cards, wire transfers, internet currency, or by mailing cash, to maintain regular benefit payments during this period of COVID-19 office closures.

Social Security will not suspend or decrease Social Security benefit payments or Supplemental Security Income payments due to the current COVID-19 pandemic. Any communication you receive that says SSA will do so is a scam, whether you receive it by letter, text, email, or phone call.

If you received a letter, text, call or email that you believe to be suspicious, about an alleged problem with your Social Security number, account, or payments, hang up or do not respond. We encourage you to report Social Security scams online. Please share this information with your friends and family, to help spread awareness about Social Security scams.

FTC Sees rise in fraud schemes related COVID-19

March 24, 2020 — During the Coronavirus outbreak, many people are working from home — and maybe even, for the first time in a long time, answering calls from unfamiliar phone numbers. It might be your colleague’s cell phone…or it might be a robo-caller or scammer.

Scams related to the Coronavirus are growing. Some scammers are promising that you can refinance your mortgage or get student loan debt forgiveness – for a fee, of course. You might spot phishing scams, where scammers try to get your Social Security number (SSN) or financial info – maybe to guarantee you access to a COVID-19 vaccine (remember: there’s still no vaccine, so definitely no access). They might say they’re from Medicare (they’re not) with a health kit, from the CDC (again, not) with a vaccine kit, or the Social Security Administration (nope), telling you there’s a problem with your SSN (there’s not). And some scammers might even still be running some of their go-to favorites: tech support, utilities, or lower-your-interest-rate scams.

  • Please report scams to the Federal Trade Commission at Learn more about Coronavirus scams at

  • If you believe you are the victim of an Internet scam or cybercrime, or if you want to report suspicious activity, please visit the FBI’s Internet Crime Complaint Center.

Ransomware attack targets Android users

March 20, 2020 — Android users beware. There is a new malware going around that targets users of this popular phone type. Called CovidLock, the malware entices users to download an Android App that will give them access to a Coronavirus map tracker, including heatmap visuals. Don't fall for it! The app installs a piece of ransomware that launches a screenlock attack. The ransomware demands a $100 bitcoin ransom to be paid in 48 hours or there will be "consequences." The good news is it only works if you haven't set a password on your phone. So if you own an Android phone, make sure you've set a password. 

Coronavirus scam alert

March 17, 2020 — The Federal Trade Commission has posted a list of do's and don'ts to help people avoid falling victim to a Coronavirus scam. The tips include don't click on links from sources you don't know, ignore online offers for vaccinations, and do your due diligence before making a charitable donation. It's all posted on the FTC's website.


General COVID-19 resources

How to protect your health when caring for a sick loved one

  • May 15, 2020 - The Oregon Health Department has issued these helpful guidelines for protecting your own health while caring for a loved one who has the COVID-19 virus.

How to protect your health when caring for a sick loved one

  • Don’t delay to have your stimulus check direct deposited. May 11, 2020 - You only have until Wednesday, May 13, to go to the IRS website and enter your information to have your COVID-19 stimulus check direct deposited into your account. After that, the IRS says it will begin writing paper checks to mail out.

  • Options for federal student loan borrowers. May 6, 2020 - The CARES Act provides temporary payment relief to people with qualifying U.S. federal student loans. Not all loans are eligible, though. Understanding your options can help you decide how to manage your budget and prioritize your bills. This Federal Trade Commission blog post is good at explaining the details.

  • Travel reservations during COVID-19. 5/1/2020 - Coronavirus has ruined many families’ travel plans leaving a lot of people wondering what to expect by way of refunds or rescheduling. This Federal Trade Commission webpage helps explain your options so your canceled vacation doesn’t have to add to your financial woes.

  • Get up-to-date information for Oregon. April 29, 2020 - The situation with COVID-19 is changing every day and from state to state. It’s important to get and stay informed about what’s happening right here in Oregon. Visit the Oregon Health Authority website. They are the lead agency for the public health response and they have trhe latest information to keep yourself and your family safe.

  • Help for those who need it. April 21, 2020 - These are difficult times for many of us and for our families, friends and neighbors. If you need help, or if you know someone who does, the United Way has a page that lists many resources organized by county.

  • CDC recommends wearing cloth face masks in public. April 15, 2020 - The Centers for Disease Control (CDC) now recommends people wear cloth face coverings when they go out in public. They have put a page on their website that explains several ways to make the cloth face masks, how to wear them and the proper way to sterilize them, among other topics.

  • Apply for unemployment insurance. April 14, 2020 - This is a difficult time for all of us, made worse for those who have lost their jobs. Our hearts go out to our members who are suddenly facing an uncertain financial future. The Coronavirus has affected blue and white collar jobs, depriving tens of thousands of Americans of their income. The CARES act signed into law March 27, 2020, expands unemployment insurance benefits. To apply for unemployment, or to get answers to your unemployment questions, visit Oregon’s Unemployment Insurance website.

  • Stimulus payments. April 13, 2020 - Stimulus payments have begun to go out to people who filed taxes in 2018 or 2019 and received their returns as direct deposits. The IRS has launched a website where people who did not file taxes in 2018 or 2019 can enter their payment information so they can receive their stimulus payments. There is also a link to check on the status of your payment that will go live in mid-April.

  • Stay updated about COVID-19. April 3, 2020 - COVID-19 is a rapidly evolving situation. Stay up-to-date to protect yourself, your family and your community with these links to the Oregon Health AuthorityCenters for Disease Control and the World Health Organization. Learn how to protect yourself from COVID-19 scams at this link to the Federal Trade Commission’s Consumer Information site.

Additional resources


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