Checking accounts disclosures, rates and fees
|Account||Minimum balance to earn dividends*||Dividend rate||Annual Percentage Yield (APY)|
|TLT (Teen) Checking**||N/A||N/A||N/A|
|Minimum balance required to open all checking accounts is $25.00|
*Minimum daily balance that must be maintained each day to earn dividends.
**A parent or legal guardian is required to co-sign on accounts for members under 18 years old.
***Members 55 and older qualify for Platinum checking.
Oregon State Credit Union checking accounts have:
- No minimum balance
- No monthly service fee
- Free debit card (first issue)
- Free online services and phone access teller (PAT)
- Free Oregon State Credit Union ATM access
|TLT Teen Checking||$0.00||$0.00||$0.00|
|Overdraft / non-sufficient funds (NSF)**||$30.00||$30.00||$30.00|
** Often financial institutions will present a check or ACH transaction for payment more than once. Each time it is presented (each presentment), you may be charged an NSF fee if there are insufficient funds in the account.
|Overdraft protection transfer|
From savings, per transfer
From Visa® / PLOC, per transfer
|Plastic card replacement||$5.00||$3.00||$0.00|
Temporary check, per page
Check printing fee depends on the style and quantity ordered
|Online account access and bill pay||$0.00||$0.00||$0.00|
|Non-MICR encoded checks, per item||$5.00||$5.00||$5.00|
|Mis-encoded checks, per item||$5.00||$5.00||$5.00|
|Dishonored non-credit union checks written by member, per check||$30.00||$30.00||$30.00|
|ATM transaction fees|
Oregon State Credit Union-owned
CO-OP® network ATM transactions per month
Up to six
Seven or more
All other ATMs
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. See the Member Merits reward program page for details.Go to main navigation