High Yield Savings account
Available to Oregon and Washington residents
Now available to Washington residents! Grow your savings faster. Earn 5.00% APY on your first $1,000 if you live in Oregon or Washington.
HIGHER RATE. BIG BALANCE NOT REQUIRED.
KEY BENEFITS
Higher rates
No monthly fees
No minimums
Why choose a High Yield Savings Account with OSCU?
With our High-Yield Savings account, you don’t need a big balance to earn a great return. Whether you’re saving for a rainy day, a personal milestone, or big financial goal, this account is designed to help you grow your money faster — starting with as little as $5.
Reach your goals faster
- 5.00% APY on your first $1,000
- 0.90% APY on balances above $1,000
- Compound returns help savings grow steadily
Save without barriers
- No minimum deposit to open
- No monthly fees
- Perfect for young or first-time savers
- Available for both personal and business account holders
Easy access to funds
- Deposit or withdraw anytime
- Keep funds liquid while earning more
- Online, mobile, and ATM access available
Peace of mind
Federally insured by the National Credit Union Administration (NCUA) Share Insurance Fund, up to $250,000
Your savings, supercharged
Available to Oregon and Washington residents
New members can open their High Yield Savings account online in minutes from anywhere in Oregon or Washington — no branch visit required!
- Oregon residents: Click or tap “Open Online Now”, choose “Community – Member Oregon”, and select the county in which you reside. That’s it!
- Washington residents: Click or tap “Open Online Now”, choose “Community – Member Washington”, and then: (1) Select Skamania or Clark counties if you reside there, or (2) if you reside anywhere else in the state of Washington, select American Consumer Council (ACC). Oregon State Credit Union will enroll you in a free, no-obligation membership with the ACC* that makes you eligible to open any account with our credit union today.
High Yield Savings account details
* ACC is a non-profit, tax-exempt membership organization founded in 1987 and dedicated to consumer advocacy and financial education. ACC is also proud to partner with non-profit credit unions across the nation to help new members join these outstanding financial institutions where they can invest and borrow from a safe, secure and reliable financial source. You’ll enjoy the access to the education and resources provided by ACC, however, there is absolutely no fee and no obligation to take any action when you are enrolled in your ACC membership as part of opening your Oregon State Credit Union account. Learn more about ACC.
Effective date
Wednesday, January 7, 2026
| For account balances of | Dividend rate | Annual Percentage Yield (APY*) |
|---|---|---|
| $0 – $1000 | 4.88% | 5.00% |
| Over $1000 | 0.90% | 0.90% |
* Annual percentage yield and rate may change. Fees could reduce earnings. First-year earnings are based on a 12-month average. Limit of one account per member. APY effective 10/1/2025 and subject to change. | ||
**Your statement will display a single blended rate, which is a weighted average of the two rates applicable to the High-Yield Savings Account balance. | ||
High-Yield Savings account rates**
$0 – $1000
Over $1000
* Annual percentage yield and rate may change. Fees could reduce earnings. First-year earnings are based on a 12-month average. Limit of one account per member. APY effective 10/1/2025 and subject to change.
**Your statement will display a single blended rate, which is a weighted average of the two rates applicable to the High-Yield Savings Account balance.
| Fee type | Product fees |
|---|---|
| High-Yield Savings account | |
| $0 – $1000 | No charge |
| $1001 or over | No charge |
| Overdraft Paid (Courtesy Payment) | |
| $10.00 or less | No fee |
| $10.01 or greater | $10 per presentment** |
| Returned Item fee (non-sufficient funds) | |
| $10.00 or less | No fee |
| $10.01 or greater | $10 per presentment*** |
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. | |
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |
High-Yield Savings account fees
High-Yield Savings account
$0 – $1000
$1001 or over
Overdraft Paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
| Benefits | Basic Savings | High-Yield Savings |
|---|---|---|
| Minimum balance | $5 | $0 |
| Minimum balance to earn dividends* | $100 | $0 |
| Dividend Rate | 0.10% | 4.88% (up to $1,000), 0.90% (over $1,001) |
| Annual Percentage Yield (APY) | 0.10% | 5.00% (up to $1,000), 0.90% (over $1,000) |
| NCUA Insured | Yes | Yes |
| * Minimum balance that must be maintained each day to earn dividends. | ||
The HYSA is available to both personal and non-personal/business memberships. There is no age requirement, making it a great option for younger savers, such as Scottie and Tomorrow’s Leaders Today (TLT) teen members.
No, each prime member is allowed to open only one HYSA.
No, the HYSA does not replace our current Money Market accounts. It is a separate account type and counts toward Member Merits benefits.
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