Rates
Business Deposit account rates
Effective date
Wednesday, December 24, 2025
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Free Business Checking | N/A | N/A | N/A |
| Smart Business Checking | $1,000.00 | 0.05% | 0.05% |
| Select Business Checking | $10,000.00 | See chart below | See chart below |
Minimum balance required to open all business checking accounts is $25.00 | |||
*Minimum average daily balance must be maintained to earn dividends. | |||
Business checking account rates
Free Business Checking
Smart Business Checking
Select Business Checking
Minimum balance required to open all business checking accounts is $25.00
*Minimum average daily balance must be maintained to earn dividends.
Select Business Checking account rates
| For account balances of | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|
| 0 – $9,999 | N/A | N/A |
| $10,000 – $24,999 | 0.05% | 0.05% |
| $25,000 – $49,999 | 0.10% | 0.10% |
| $50,000 – $99,999 | 0.15% | 0.15% |
| $100,000+ | 0.20% | 0.20% |
Select Business Checking account rates
0 – $9,999
$10,000 – $24,999
$25,000 – $49,999
$50,000 – $99,999
$100,000+
Effective date
Wednesday, December 24, 2025
Business account funds are insured to an aggregate of $250,000 by the National Credit Union Administration (NCUA), an independent agency of the United States government, through the National Credit Union Share Insurance Fund (NCUSIF).
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Business Basic Savings | $100.00 | 0.10% | 0.10% |
| Business Money Market savings | $1,000.00 | 0.80% | 0.80% |
| Business Investor's Money Market savings | $10,000.00 | See table below | See table below |
Minimum balance to open a Business Basic Savings account is $5.00 | |||
Minimum balance to open a Business Investor’s Money Market savings account is $10,000.00 | |||
Minimum balance to open a Business Investor’s Money Market savings account is $10,000.00 | |||
*Minimum daily balance that must be maintained each day to earn dividends. | |||
Business savings account rates
Business Basic Savings
Business Money Market savings
Business Investor's Money Market savings
Minimum balance to open a Business Basic Savings account is $5.00
Minimum balance to open a Business Investor’s Money Market savings account is $10,000.00
Minimum balance to open a Business Investor’s Money Market savings account is $10,000.00
*Minimum daily balance that must be maintained each day to earn dividends.
Business High-Yield Savings account rates
| For account balances of | Dividend rate | Annual Percentage Yield (APY*) |
|---|---|---|
| $0 – $1000 | 4.88% | 5.00% |
| Over $1000 | 0.90% | 0.90% |
* Annual percentage yield and rate may change. Fees could reduce earnings. First-year earnings are based on a 12-month average. Limit of one account per member. APY effective 10/1/2025 and subject to change. | ||
**Your statement will display a single blended rate, which is a weighted average of the two rates applicable to the High-Yield Savings Account balance. | ||
High-Yield Savings account rates**
$0 – $1000
Over $1000
* Annual percentage yield and rate may change. Fees could reduce earnings. First-year earnings are based on a 12-month average. Limit of one account per member. APY effective 10/1/2025 and subject to change.
**Your statement will display a single blended rate, which is a weighted average of the two rates applicable to the High-Yield Savings Account balance.
Business Investor’s Money Market account rates
| For account balances of | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|
| 0 -$9,999 | N/A | N/A |
| $10,000 – $24,999 | 1.19% | 1.20% |
| $25,000 – $49,999 | 1.29% | 1.30% |
| $50,000 – $99,999 | 1.49% | 1.50% |
| $100,000+ | 1.73% | 1.75% |
Business Investor’s Money Market account rates
0 -$9,999
$10,000 – $24,999
$25,000 – $49,999
$50,000 – $99,999
$100,000+
Rate information
The dividend rate and annual percentage yield may change monthly as determined by the Board of Directors. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Accounts closed prior to crediting dividends will not receive accrued dividends. The Investor’s Money Market and Select Business Checking accounts are tiered rate accounts. The dividend rate and annual percentage yield applicable to each account depend on the balance ranges set forth on the preceding page. Once a balance range is met, the dividend rate and annual percentage yield for that range will apply to the entire balance in your account.
Nature of dividends
Dividends and minimum balance for Business Basic Savings accounts, Business Money Market accounts, and Business Investor Money Market accounts are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. For Business Money Market accounts, there is a daily minimum balance requirement of $1,000 to earn dividends. For Business Investor’s Money Market accounts, there is a daily minimum balance requirement of $10,000 to earn dividends. Dividends and minimum balance for Smart Business Checking accounts and Select Business Checking accounts are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. For Smart Business Checking accounts, there is an average daily minimum balance requirement of $1,000 to avoid a service fee. For Select Business Checking accounts, there is an average daily minimum balance requirement of $10,000 to avoid a service fee.
Transaction limitations
For Savings and Money Market accounts, up to six pre-authorized, automatic telephone transfers and online transfers may be made from these accounts to another account of yours or to a third party, in any amount, during any calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.
Business Credit Card rates
Effective date
Wednesday, December 24, 2025
| Type | APR (Low) | APR (High) | Perks |
|---|---|---|---|
| Visa Business Credit Card | 13.50% | 18.00% | Same rates for cash advances and balance transfers. |
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. | |||
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Business Guide to Benefits. | |||
Visa Business credit card rates
Visa Business Credit Card
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account.
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Business Guide to Benefits.
Effective date
Wednesday, December 24, 2025
| Type | APR (Low) | APR (High) | Perks |
|---|---|---|---|
| Visa Signature Business | 14.50% | 18.00% | Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. |
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. | |||
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Signature Business Guide to Benefits. | |||
Visa Signature Business credit card rates
Visa Signature Business
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account.
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Signature Business Guide to Benefits.