Personal loans and accounts

Loans for everything under the sun

Enjoy savings all summer long with auto and home loans, and Visa credit cards.

Auto loans as low as 2.49% APR2

Credit cards — Visa Value and Visa Rewards3

First-time homebuyer loans1

Other great loans

1. $500 reduction off closing cost is for Oregon State Credit Union Premier Members and does not apply to Home Equity Line of Credit, Home Equity Loan or Land Loan. Mortgage Officer Information: Neil Farnes, LOS Individual #669897; Sue Wack, LOS Individual #764472; Robin Cook, LOS Individual #271450. Organization NMLS #472475.

2. The 2.49% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payments and a .25% reduction for members in the Premier Member Merits category. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.49% APR will have a monthly payment of $177.43.

3. The 6.75% APR is reflective of a range of rates available. When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate. Rates are current as of date. Visa Rewards has an annual fee of $0 – $25, depending on your Member Merits category.

Checking accounts

We believe in keeping things simple. That’s why there’s nothing complicated about our checking accounts. All have no monthly fees, unlimited check writing and a free Visa debit card. We’ve added a few extra benefits depending on the life stage you’re currently enjoying. Take a look at our options and find the checking account that’s right for you.

Account Descriptions
Free Checking Our members’ most popular checking account
TLT Teen Checking For members 13-18 years of age, not enrolled in college
Platinum Checking For members 55 years of age or better

Easy access

All checking accounts come with free online banking, bill pay and e-statements making it easy to manage your finances. Plus access your money through the CO-OP Network’s surcharge-free ATMs or CU Service Centers shared branch locations. Both provide thousands of access points throughout the United States.

If you’re not close to an ATM or computer simply call our automated Phone Access Teller (PAT) to check your balances or make transfers. To speak to one of our helpful Member Service Center Representatives, call 800-732-0173.

Direct deposit

Give direct deposit a try and you’ll never go back. Coming to the branch to deposit your paycheck, IRS tax refund and more is a thing of the past. To start using direct deposit, simply give the Oregon State Credit Union routing number to your payroll department or whomever may be sending you a check. Be sure to include your Oregon State Credit Union account number and which account you want the funds deposited. Need help with direct deposit, come by any branch or give us a call at 800-732-0173?

Direct deposit routing number: 323274270

Auto transfer

Paying your loan each month is easy at Oregon State Credit Union. We can help you set up an automatic transfer from your Oregon State Credit Union account, or you can simply use online account access and set up recurring payments. Either way, you won’t miss a payment and your credit rating will thank you.

Activate your Visa debit card

To activate your card, simply call 888-802-5240 and follow the automated instructions.

Lost your Visa debit card?

If you’ve lost your card, time is of the essence. Call 800-732-0173 during our regular business hours. After hours or on the weekend, call 888-802-5240 and we’ll put a stop on your card and protect your finances.


With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Oregon State Credit Union, entitled to take advantage of all the benefits, products and services available to our members. Maintaining a balance in your Basic Savings Account represents your piece of the credit union.

Saving money is easy with Oregon State Credit Union’s savings account options. Choose from any of the accounts below, set up automatic transfers using online account access and start saving. You’ll have access to your accounts through free online banking, mobile banking, thousands of surcharge-free ATMs, and with PAT, our automated phone access teller.

Basic Savings Account
Scottie Savers Club
TLT Teen Savings
Money Markets
Investor Money Markets

Your money’s safe and secure

All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Oregon State Credit Union, ask us how you can maximize your coverage.

Member Merits benefits

At Oregon State Credit Union relationships matter. That’s why we’ve created Member Merits. It’s our way of thanking members for their relationships. The more business you do with us the more benefits (free or discounted services) you receive. All deposit and loan balances are used to calculate your monthly Member Merits category.

Start saving today

Open an account online, visit any of our branches or call 800-732-0173. You’ll be on the road to saving in no time.

Visa® credit cards Apply

They’re quick, convenient, secure, and can be invaluable in an emergency. But in today’s world, the number of credit card options has become staggering. And many offer enticing “introductory” rates that can end up shocking you with hidden fees. But with an Oregon State Credit Union Visa®, you can breathe a sigh of relief.

We provide two great options — Visa Value and Visa Rewards — with features and benefits that are sure to meet your financial needs. In addition, we offer a special credit card for teens. Check out the benefits of each card, and let us know if we can help you.

As a local, not-for-profit financial cooperative, we’re focused on creating financial solutions for our members. That’s why our credit card programs earned five stars and Credit Card Connection’s Seal of Approval for “fair and ethical practices.” So once you decide which card is right for you, complete the online application, call 800-732-0173 or go to any branch today.

Card advantages

All Oregon State Credit Union credit cards have the following features:

  • No cash advance fees
  • No balance transfer fees
  • No minimum finance charge
  • No penalty interest rates
  • Same rate for both purchases and cash advances
  • Free auto collision damage waiver coverage
  • Convenient online account access
  • Accepted at merchants and ATMs worldwide
  • 24/7 free fraud monitoring

Falcon fraud protection

Your card is protected by a fraud monitoring system called Falcon Fraud Manager, which screens card activity 24 hours a day, 7 days a week. If suspicious or unusual activity occurs on your debit or credit card, you are contacted about the legitimacy of the purchase. If you have any questions, please contact us at 800-732-0173.

Activate your Visa credit card

To activate your card, simply call 888-802-5240 and follow the automated instructions.

Lost or stolen cards

Monday–Friday, 8:30a.m.–5:30p.m.: 800-732-0173
After hours: 888-802-5240
To call Visa directly: 800-VISA-911 or 800-847-2911

Welcome to the Oregon State Credit Union Home Loan Center

Apply | home loan

Apply for a mortgage loan to buy or refinance a home, or tap into your home equity. When you’re ready, get personal help from a loan officer who specializes in your area. Plus, keep current and lock in Oregon State Credit Union’s1 best rates for your dream home.

Today's Mortgage Rates

APR = Annual Percentage Rate

Apply Now

You could be approved
for a mortgage in minutes!

Start your home loan today

  1. Sue Wack
  2. Robin Cook
  3. Neil Farnes

Home loan options with our best rates

Find out more about home loans

1. Oregon State Credit Union NMLS entity ID: 472475

Visa Travel Card

Give yourself, or someone special, the gift of travel.

Available to Oregon State Credit Union members, the Visa Travel Card is just right for going across town, interstate or international.

  • Online convenience: Activate new cards, reload funds, manage multiple accounts.
  • Versatile – Accepted at millions of Visa debit and ATM locations worldwide. Great for countries where credit or debit transactions are blocked.
  • Prepaid – Gives you a self-contained money source not connected to a credit card or checking account.
  • Reloadable – Add money as needed. Load minimum $10, maximum $2,000. Up to 30 reloads!
  • Secure – Assign a PIN, avoid carrying cash, great alternative to your everyday debit or credit card.
  • Save time – Avoid lobby lines, schedule funding, check balances and more.

Use a Travel Card if you’re:

  1. Travelling- In stores, online, ordering by phone.
  2. A parent – Provide a college-bound child secure access to a limited amount of cash.
  3. A student – Great alternative to carrying cash while at school. Purchase goods or travel.
  4. Managing budgets: No overspending on the trip. Load only the amount you want available.

Get your Travel Card

Available at 12 branch locations
Current Travel Card fees
Oregon State Credit Union travel tips

Find your vehicle, get your loan, drive home a deal

Find your car, truck, boat, RV

  • New or used, thousands of vehicles

Apply today

Apply here, at a branch or call 800-732-0173. Be a member if you live in these counties.

Apply for a vehicle loan

  • Buy or refinance and save with great rates, member discounts, and flexible terms.

Apply | Vehicle loans

Shop smart for auto loans

* The 2.49% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payment and a .25% reduction for members in the Premier Member Merits category. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.49% APR will have a monthly payment of $177.43.

Oregon State Credit Union ©2010 Oregon State Credit Union

  • PO Box 306
  • Corvallis, OR 97339
  • Phone: 800-732-0173

Routing number : 323274270