High-Yield Savings
Grow your savings faster with flexible access and added interest-earning power.
- Earn an incredible 5.00% APY* on your first $1,000 of savings
- 0.90% APY on balances above $1,000
Let's get going!
In order to get started, select an account that works for you.
Basic Savings
With a $5 deposit to a Basic Savings account, you become a member-owner of Oregon State Credit Union.
- Low or no fees*
- Earn one competitive rate on all balances, with low minimum balance to earn dividends
Rewards Checking
Our best checking account, packed with extraordinary benefits that add up to nearly $1,000 in annual value, all for just $7 per month.*
- Travel and lifestyle perks such as discounts on shopping, dining, travel, and more
- Protection and insurance coverage such as cell phone reimbursement, ID theft benefit, purchase protection and extended warranties
Standard Certificates
A safe, reliable way to grow your savings with fixed rates, flexible terms, and the peace of mind that comes from guaranteed returns.
- Terms from 6 to 60 months
- Tiered rates — earn more based on your balance*
Money Market
Money Market accounts give you the best of both worlds — higher earnings than traditional savings, and the freedom to access your funds when you need them.
- Earn more with competitive rates, with dividends calculated daily and paid to you monthly
- Deposit and withdraw without limits
Investor's Money Market
Earn more for larger deposits while enjoying the same benefits as Money Market accounts.
- Open with a balance of $10,000 or more
- Earn tiered rates based on your balance, up to 1.75% APY*
Senior Platinum Checking
Built for the 55+ life, this account offers all the benefits of Value Checking along with thoughtful extras designed to give you added savings, convenience, and peace of mind.
- Enjoy an account that’s always free — with no monthly requirements, no maintenance fees, and no minimum balance
- Earn interest on your funds with a $1,000 average daily balance
Teen Checking
Teen Checking gives members ages 13–18 the tools to build smart financial habits with the safety net of family guidance. A parent or legal guardian must be a joint owner of the teen account until the student turns 18 years old.
- Account is always free, with no monthly requirements
- Free ATM/Debit card.
Value Checking
The everyday checking account is designed to keep your money moving with the tools you need most.
- Free account when enrolled in eStatements*
- No minimum balance requirement
Special Certificates
Lock in your term and know exactly how much you’ll earn — with rates as high as 3.85% APY* for a limited time.
- 7-Month Certificate Special: 3.75% APY*, $250 minimum to open, new money required
- 12-Month Certificate Special: 3.85% APY*, $250 minimum to open, new money required to open online
Basic Savings
Optional additional Basic Savings accounts to organize your finances and help you reach your savings goals.
- Low or no fees*
- Earn one competitive rate on all balances, with low minimum balance to earn dividends
Scottie Certificates
The account offers children ages 0–12 a safe, reliable way to grow savings with fixed rates, flexible terms, and the peace of mind that comes from guaranteed returns.
- Terms from 6 to 60 months
- Tiered rates — earn more based on your balance*
Teen Certificates
Offers 13–18-year-olds old a safe, reliable way to grow savings with fixed rates, flexible terms, and the peace of mind that comes from guaranteed returns.
- Terms from 6 to 60 months
- Tiered rates — earn more based on your balance
Online Certificates
Short terms, big returns. Give your savings a major upgrade when you lock in our 9- or 18-month Online Certificates.
- New and existing members can open their Certificate account online in minutes — no branch visit required!
- Safe, steady growth for your hard-earned cash
First-Time Homebuyer Savings
Take the next step toward homeownership with valuable Oregon tax benefits and competitive savings rates designed to help you save for your first home.
- Flexible timeline
- No monthly fees*