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Member merits

Member Merits rewards programs*

At Oregon State Credit Union we reward members for their loyalty and relationship with the credit union. The Member Merits program is designed to offer financial incentives based on the number of accounts and loans you have with Oregon State Credit Union and their aggregated balances. The greater your accounts and balances, the greater your rewards. There is no need to sign up. All Oregon State Credit Union members are automatically categorized for Member Merits.

Your relationship category is calculated monthly and is indicated in the “Current Member Benefits” section at the top of your monthly statement or estatement. Based on your category, you can get discounts on loan rates, bonuses on CD rates, rebates on mortgage closing costs, waived monthly fees, free services and more.

Any Oregon State Credit Union loan or deposit product you use including savings, checking, money market, share certificates, auto loans, credit cards, signature loans, mortgages, home equity loans will be used to calculate your member merits category. At this time investment services and business accounts are not included in the Member Merits program.

To get the most benefits, bring all your accounts to Oregon State Credit Union. Call 800-732-0173 or meet with a Financial Services Consultant at any of our branches to start transferring your non-Oregon State Credit Union accounts today.

Relationship category Min. # required accounts Combined balances Example for loan rate discount at 7.00% APR** Example for Share Certificate rate bonus at 0.50% APY**
Premier 4 or more $25,000 or greater 6.75% 0.75%
Enhanced 3 $5,000-$25,000 6.85% 0.65%
Essential up to $4,999 7.00% 0.50%

Click here for a list of Member Merits benefits.


*Business and organization memberships are not included.

**Rates are used for example purposes only.

Oregon State Credit Union ©2017 Oregon State Credit Union

  • PO Box 306
  • Corvallis, OR 97339
  • Phone: 800-732-0173

Routing number : 323274270