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Member Business Services

Financial solutions for your business

Get personalized business services with Oregon State Credit Union, where we work with you individually to deliver robust financial solutions, including:

  • Card services — Business Visa credit card and merchant card processing.
  • Accounts — Manage money with checking, savings, payroll processing.

Image | Oregon State Credit Union business services page

Oregon State Credit Union makes it easy to get a business loan. You get lots of personal attention. You really feel like they are working for you. — Greg Oberlin


* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC ) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.


Business loans and leasing

  • Business leasing — When a traditional business loan isn’t right, leasing can help: preserve capital, provide 100 percent financing, reduce risk of equipment obsolescence, finance a variety of equipment.

Image | Business loans and leasing, Oregon State Credit Union

Call 800-732-0173, ext. 5705
for your business loan options


Card services keep your business moving

Get set up today

  • Call 800-732-0173 or visit a branch.

Image | Card services for Oregon State Credit Union business services


Manage money with business accounts and services

Get set up today

  • Call 800-732-0173 or visit a branch.

Image | Business accounts, Oregon State Credit Union


Business account rates

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the business truth in savings disclosure are part of the Membership and Account Agreement.


Business Checking


* $25 minimum balance to open account(s)

** $1,000 average daily balance maintained to earn dividends

*** $3,000 daily balance maintained to waive monthly fee

Product: Free Business Checking* Smart Business Checking* Select Business Checking*
Description: No minimum balance, very low volume Great for moderate volume, earns dividends Best for high volume businesses, earns dividends
Average daily balance $0 $1,000** $0
Monthly fee $0 $10*** $15
Checks deposited 100 free
100+/ $0.20 each
250 free
250+/ $0.15 each
$0.12 each
Checks cleared 100 free
100+/ $0.20 each
200 free
200+/ $0.15 each
$0.12 each
Cash deposited First $3,000 free
$3,000+/ $0.10/$100.00
First $5,000 free
$5,000+/ $0.10/$100
$0.12/$100
Dividend rate / APY N/A 0.01% / 0.01%** See chart below

Select Business Checking

Balance Dividend rate Annual Percentage Yield
$0 – $9,999 N/A N/A
$10,000 – $24,999 0.01% 0.01%
$25,000 – $49,999 0.01% 0.01%
$50,000 – $99,999 0.03% 0.03%
$100,000+ 0.05% 0.05%

Business Savings


* Business Basic Savings must maintain a minimum daily balance above $250 or, if below $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Business Basic Savings Accounts, each account may receive a separate fee based on each individual balance.

** Minimum balance that must be maintained each day to earn dividends.

*** Minimum balance to avoid $15 fee is $1,000.

† No minimum balance required to earn dividends.

‡ Minimum balance to avoid $20 fee is $10,000.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
Business Basic Savings* $5 $100** 0.03% / 0.03%
Business Money Market*** $5 0.05% / 0.05%
Business Investor’s Money Market‡ $10,000 See chart below

Business Investor’s Money Market

  • Service fees: $20 minimum balance fee, $55 for early closure if account held less than three months.
Balance Ranges Dividend Rate Annual Percentage Yield
$0 – $9,999 N/A N/A
$10,000 – $24,999 0.10% 0.10%
$25,000 – $49,999 0.12% 0.12%
$50,000 – $99,999 0.15% 0.15%
$100,000 and up 0.20% 0.20%

Business certificate accounts

In the following chart, rates listed under APY indicate Annual Percentage Yield (APY) after compounding daily and posting monthly. The par value of a regular share in the Credit Union is $5.00.

Business certificate account disclosure

Term Dividend Rate/APY ($500 – $24,999) Dividend Rate/APY ($25,000 – $99,999) Dividend Rate/APY ($100,000 +)
182 – 364 days 0.05% / 0.05% 0.05% / 0.05% 0.05% / 0.05%
12 – 24 months 0.05% / 0.05% 0.10% / 0.10% 0.15% / 0.15%
24 – 36 months 0.05% / 0.05% 0.15% / 0.15% 0.30% / 0.30%
36 – 48 months 0.10% / 0.10% 0.25% / 0.25% 0.50% / 0.50%
48 – 60 months 0.20% / 0.20% 0.45% / 0.45% 0.70% / 0.70%


Business account service fees

Fees as of date

Each account holder agrees to the terms set forth on this Business Account Fees Schedule and acknowledges that it is part of the Membership and Account Agreement.


Standard membership fees


* If closed within 120 days.
Membership
Membership fee $10
Membership closure fee* $10
Inactive memberships $5/month

Accounts


* Business Basic Savings must maintain a minimum daily balance above $250 or, if below $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Business Basic Savings Accounts, each account may be charged a separate fee based on each individual balance.

Business Basic Savings only*
$250 minimum balance No charge
Less than minimum balance $3/month
Business Money Market
$1,000 minimum balance No charge
Less than minimum balance $15/stmt. period
Business Investor’s Money Market
$10,000 min balance No charge
Less than minimum balance $20/stmt. period
Early closure fee if account held less than 90 days $55
Free Business Checking
$0 minimum balance No charge
Checks deposited: first 100 checks Free
Checks deposited: 100+ checks $0.20 each
Checks cleared: first 100 checks Free
Checks cleared: 100+ checks $0.20 each
Cash deposited: up to $3,000 Free
Cash deposited: over $3,000 $0.10/$100
Smart Business Checking
$3,000 average daily balance No charge
Less than average daily balance $10/stmt. period
Checks deposited: first 250 checks Free
Checks deposited: 250+ checks $0.15 each
Checks cleared: first 200 checks Free
Checks cleared: 200+ checks $0.15 each
Cash deposited: up to $5,000 Free
Cash deposited: over $5,000 0.10/$100
Select Business Checking
$0 minimum balance $15/stmt. period
Checks deposited: $0.12 each
Checks cleared: $0.12 each
Cash deposited: $0.12/$100

Services and extras


* At machines not owned by Oregon State Credit Union

Bank wires
Outgoing Western Union $35 per $10,000 wire
Remit international wire in US funds $35
Remit international wire in foreign funds $35 + third party fees
Incoming wire $15
Outgoing domestic wire $30
Business supplies
Business checks Fees depend on the style and quantity of checks ordered.
Endorsement stamps Fees depend on the style and quantity ordered.
Deposit bags 2 free, extras: cost + $5
Automated teller machines
Oregon State Credit Union owned Free
Co-op Network first 6/month Free
Co-op Network additional transactions* $1.50/transaction
Other machines per transaction* $1.50/transaction
Checks and check services
Electronic bill paying No charge
Cashier’s check $5/check
Cashier’s check stop payment $30
Non-MICR encoded checks $5/item
Mis-encoded checks $5/item
Check copy $5/check
Stop payment $25
Bill pay stop payment $25
Bill pay expedited payment $5
Bill pay expedited payment by check $20
Check images printed and mailed $25/month
Temporary checks $2.00/page
Check collections/exchange $10 + third party fees
Member in good standing letter
First original $10
Additional originals $1/letter
Convenient services
Visa Travel Card
         Reload $3
         Standard Issue $6.95
         Personalized $11.95
Plastic card replacement $5/card
Safe deposit boxes $35 to $110/year
Redemption of foreign currency $10 + third party fees
Purchase of foreign currency $10 + third party fees
Special services provided by 3rd party vendors Actual charge
Bad address $5/month
IRS incorrect SSN/TIN fee Actual charge
Locator research fee $25
Overdraft protection transfer $4/transfer
Statement copy $5/statement
Interim statement copy $5/copy
Account research $25/hour
Levy/Garnishment $40
NSF (Non-sufficient funds), returned, dishonored items
Overdraft/NSF fee $30/item
Returned item $5/item
Dishonored non-credit union check written by member $30/check

Oregon State Credit Union ©2010 Oregon State Credit Union

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

Routing number : 323274270