More loan options for you

Oregon State Credit Union provides plenty of loan options like lines of credit, deposit-secured loans and payday loans. Visit one of our branches or call 800-732-0173.

Personal Line of Credit

  • Competitive variable interest rate.

  • Can borrow between $250—$50,000, based on credit qualifications.

  • No minimum draw amount required.

  • “Revolving” convenience — no need to reapply when you need extra cash.

  • Easy access — checks, branch, online, phone, ATM.

  • Great for emergencies, overdraft protection, building credit, and many other purposes.

Student Personal Line of Credit

  • Ideal for students, 18 years or older, who are enrolled in college and want to begin establishing their credit history.

  • $250-$800 credit limit.

  • Competitive variable interest rate.

  • No income/credit history required. Previous derogatory credit may impact eligibility.

  • $100 credit limit increase allowed per year of verified school enrollment upon request, Not to exceed $800

  • Proof of college enrollment required

  • “Revolving” convenience — no need to reapply when you need extra cash

  • Easy access — ATM, branch, Member Service Center, checks, online, mobile, Phone Access Teller (24/7)

Deposit-secured Loan

  • Loan can be secured by Basic Savings Account, Money Market, Investors Money Market or Certificate of Deposit.

    • Learn more here: Interest rate is 3% more than deposit account rate but not less than 5%.

  • Borrow up to the total balance of deposit account.

  • Continue to earn dividends while repaying loan.

  • Great way to establish credit.

  • Choose to make payments monthly or annually.

Payday Advance Loan

  • Affordable alternative to payday loans from predatory lenders who charge extremely high rate and fees

  • 18% interest rate. Learn more here.

  • No loan fee

  • $50-$500 loan amount – cannot exceed 20% of net base income

  • Fast approval

  • No credit report required

  • Term: 30 days or next payday, whichever is first

Visit a branch to apply


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