Oregon State Credit Union deposit account rates
Each account holder agrees to the terms set forth on this Account Rate Schedule and acknowledges that it and the Truth in Savings Disclosure are part of the Membership and Account Agreement. The credit union may offer other rates in the future. Fees or other conditions may reduce the earnings of an account.
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
Rewards Checking | NA | NA | NA |
Free Checking | N/A | N/A | N/A |
TLT (Teen) Checking** | N/A | N/A | N/A |
Platinum Checking*** | $1,000.00 | 0.05% | 0.05% |
Minimum balance required to open all checking accounts is $25.00. | |||
* Minimum balance that must be maintained each day to earn dividends. Dividends paid monthly for the days on which the balance equals or exceeds $1,000.00. ** Members under 18 require a parent or guardian as a joint signer. *** Members 55 and older qualify for Platinum Checking. |
See checking account disclosures, rates and fees
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
Basic Savings | $100.00 | 0.15% | 0.15% |
Scottie Savers** | $5.00 | 0.15% | 0.15% |
TLT (Teen) Savings** | $5.00 | 0.15% | 0.15% |
Minimum balance to open all savings accounts is $5.00. | |||
* Minimum balance that must be maintained each day to earn dividends. ** Members under 18 require a parent or guardian as a joint signer. |
See savings account disclosures, rates and fees
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
Money Market | $0.00 | 0.96% | 0.96% |
Investor's Money Market | $10,000.00 | See chart below | See chart below |
Minimum balance to open a Money Market account is $5.00. Minimum balance to open an Investor's Money Market account is $10,000.00. | |||
* Minimum balance that must be maintained each day to earn dividends. |
See Money Market account disclosures, rates and fees
For account balances of | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|
0 -$9,999 | 0.00% | 0.00% |
$10,000 - $24,999 | 1.25% | 1.26% |
$25,000 - $49,999 | 1.55% | 1.56% |
$50,000 - $99,999 | 1.84% | 1.86% |
$100,000 and more | 2.14% | 2.16% |
See Money Market account disclosures, rates and fees
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
Health Savings Account (HSA) | N/A | 0.96% | 0.96% |
There is no minimum balance to open a Health Savings Account. | |||
* Minimum balance that must be maintained each day to earn dividends. |
See Health Savings Account (HSA) disclosures, rates and fees
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
First-time Homebuyer Savings account | $100.00 | 0.96% | 0.96% |
Minimum balance to open a First-time Homebuyer Savings account is $5.00. | |||
* Minimum balance that must be maintained each day to earn dividends. |
See First-time Homebuyer Savings account disclosures, rates and fees.
Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
---|---|---|---|
Individual Retirement Account (IRA) savings | $5 | 0.15% | 0.15% |
The minimum balance to open an IRA savings account is $0.00. | |||
* Minimum balance that must be maintained each day to earn dividends. |
See Individual Retirement Account (IRA) account disclosures, rates and fees
Term | Balances of $500 - $24,999 | Balances of $25,000 - $99,999 | Balances of $100,000 and more |
---|---|---|---|
6-11 months | |||
Dividend rate | 3.39% | 3.54% | 3.68% |
Annual Percentage Yield (APY) | 3.45% | 3.60% | 3.75% |
12-23 months | |||
Dividend rate | 3.87% | 4.02% | 4.16% |
Annual Percentage Yield (APY) | 3.95% | 4.10% | 4.25% |
24-35 months | |||
Dividend rate | 3.49% | 3.63% | 3.78% |
Annual Percentage Yield (APY) | 3.55% | 3.70% | 3.85% |
36-47 months | |||
Dividend rate | 3.39% | 3.54% | 3.68% |
Annual Percentage Yield (APY) | 3.45% | 3.60% | 3.75% |
48-59 months | |||
Dividend rate | 3.25% | 3.39% | 3.54% |
Annual Percentage Yield (APY) | 3.30% | 3.45% | 3.60% |
60 months | |||
Dividend rate | 3.10% | 3.25% | 3.39% |
Annual Percentage Yield (APY) | 3.15% | 3.30% | 3.45% |
APY offer is good as of the effective date shown above the table. APY is accurate as of the last dividend date. Fees may reduce earnings on this account. See the early withdrawal penalty disclosure below. †The dividend rates shown above incorporate a 0.25% rate increase above the standard Certificate dividend rates.
Each account holder agrees to the terms set forth on the Certificate Account Rates above and the Certificate Account Disclosure below and acknowledges they and the Truth in Savings Disclosure are part of the Membership and Account Agreement. Certificate Account Disclosure
The par value of a Regular Share in the Credit Union is $5.00. Automatic renewal Members will receive a maturity notice shortly before the Certificate matures. The Certificate can automatically be renewed at the dividend rate in effect on the renewal date. Members will receive notices electronically when you register for estatements. |
See certificate account disclosures, rates and fees
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