Personal loans and accounts

Personal loans to fit your life

As your life moves ahead and changes, choose a home loan, auto loan or Visa credit card that’s just right for your life. You’ll find competitive rates, flexible terms, local decisions and personal service. Learn more or apply online, visit your favorite branch or call 800-732-0173.

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Back to school help

  • Find scholarships, loans, planning tools

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Visa credit cards

  • Apply, check rates, pick a card

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Auto loans

  • Apply, check rates, find a vehicle

Mortgage homebuyer loans banner | Oregon State Credit Union

Home loans

  • Apply, check rates, find a loan officer


Loan questions? We can help
| Online | Call 800-732-0173 | Visit a branch |

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 estatements 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 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.

Fraud protection, security, lost or stolen cards

Visa Purchase Alerts

Use this opt-in service to help you identify purchases on your account by sending you email or text messages.


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 Market Accounts
Investor Money Market Accounts
Certificate Accounts

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 fit your life - Oregon State Credit Union

Visa credit cards from
Oregon State Credit Union

Choose the card that best fits your lifestyle – a no-annual-fee Visa® Value credit card, a Visa Rewards credit card that earns points every time you use it, a Teen Visa “starter” card or a handy Prepaid Visa.

Save on purchases,
balance transfers
Points with each purchase A great starter card Flexible, secure, reloadable
See card details See card details See card details See card details
Apply here Apply here Apply here Activate a card

Keep balances under control, avoid unnecessary fees

We can help you with credit cards and a variety of other financial solutions. We’re guided by the credit union difference.

Fraud protection, security, lost or stolen cards

Visa Purchase Alerts

Use this opt-in service to help you identify purchases on your account by sending you email or text messages.

Apply for your credit card.
| Online | Call 800-732-0173 | Visit a branch |

Mortgage home loans banner | Oregon State Credit Union

Welcome to your
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. 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

Meet your loan officer

Find a home loan

Learn more about home loans

1. Oregon State Credit Union NMLS entity ID: 472475

Find your vehicle and your vehicle loan

Get a loan or loan pre-approval to buy or refinance a new or used vehicle. Car, truck, boat, motorcycle or RV — find your vehicle right here and apply for your car loan today.

Get your car loan
or loan pre-approval

Apply online | Call 800-732-0173 | Visit a branch

Helpful car buying resources

2. The 3.24% 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. If you delete your automatic payment request or the Credit Union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement. Loan payment example: a $10,000.00 new auto loan for 60 months at 3.24% APR will have a monthly payment of $180.79.

Oregon State Credit Union ©2018 Oregon State Credit Union

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

Routing number : 323274270