Deposit account disclosures and rates

At Oregon State Credit Union, great checking and savings rates plus lower fees are yours. Meet your unique banking needs with Oregon State Credit Union’s full range of checking and savings accounts that vary in dividend rates and balance requirements.

Checking account rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Free Checking N/A N/A N/A
TLT (Teen) Checking** N/A N/A N/A
Platinum Checking*** $1,000.00 0.01% 0.01%
Minimum balance required to open all checking accounts is $25.00

See checking account disclosures, rates and fees

Savings account rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Basic Savings** $100.00 0.03% 0.03%
Scottie Savers*** $5.00 0.03% 0.03%
TLT (Teen) Savings*** $5.00 0.03% 0.03%
Minimum balance to open all savings accounts is $5.00

See savings account disclosures, rates and fees

Money Market account rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Money Market N/A 0.05% 0.05%
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

Investor's Money Market account rates
Effective Date: Monday, April 23rd, 2018
For account balances ofDividend rateAnnual Percentage Yield (APY)
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 more 0.20% 0.20%

See Money Market account disclosures, rates and fees

Health Savings Account (HSA) rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Health Savings Account (HSA) N/A 0.05% 0.05%
There is no minimum balance to open a Health Savings Account.

See Health Savings Account (HSA) disclosures, rates and fees

Individual Retirement Account (IRA) savings rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Individual Retirement Account (IRA) savings $5 0.03% 0.03%
The minimum balance to open an IRA savings account is $5.00.

See Individual Retirement Account (IRA) account disclosures, rates and fees

Regular and Individual Retirement Account (IRA) certificate account rates†
Effective Date: Monday, April 23rd, 2018
TermBalances of $500 - $24,999Balances of $25,000 - $99,999Balances of $100,000 and more
182-364 days
Dividend rate 0.30% 0.30% 0.30%
Annual Percentage Yield (APY) 0.30% 0.30% 0.30%
12-24 months
Dividend rate 0.35% 0.45% 0.50%
Annual Percentage Yield (APY) 0.35% 0.45% 0.50%
24-36 months
Dividend rate 0.50% 0.75% 0.80%
Annual Percentage Yield (APY) 0.50% 0.75% 0.80%
36-48 months
Dividend rate 0.80% 1.00% 1.10%
Annual Percentage Yield (APY) 0.80% 1.00% 1.10%
48-60 months
Dividend rate 1.00% 1.20% 1.49%
Annual Percentage Yield (APY) 1.00% 1.20% 1.50%

See certificate account disclosures, rates and fees

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

The dividend rates shown in the certificate rate table above incorporate a 0.25% rate uptick above the standard certificate dividend rates. Members in the Premier Member Merits category qualify for this 0.25% certificate dividend rate uptick. Members in the Enhanced Member Merits category qualify for a 0.15% certificate dividend rate uptick. Members in the Essential Member Merits category qualify for the standard certificate dividend rates. 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. See the Member Merits reward program page for details. The Member Merits reward program does not apply to business or organization accounts, and excludes trust accounts as well.

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.

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