Join OCCU

PNW credit union serving Oregon and Washington

Better rates, fewer fees! Our free Remarkable Checking account allows members to earn 2.00% APY¹ on their balance, just by meeting a few monthly qualifications. With no minimum balance, nationwide ATM access with no ATM fees² and a great rate, you can shop with confidence knowing your money is safe, secure and working hard for you.

Pair that with our Ignite Savings account to maximize your earning potential. Earn 5.25% APY⁴on the first $500, 3.45% APY on balances up to $2,500 and a competitive rate as your savings continue to grow! Two accounts in one place, ensuring every penny you deposit with us is working to earn you interest. No fees, no minimum balance, no time to waste.

OCCU is your credit union. Every dollar we earn together is invested back into our members and our local communities throughout Oregon and Washington. When you join, you’re improving your financial future and helping others build theirs as well.

Get your OCCU credit union membership today

All it takes to start saving today is $5 in a primary savings account and being a resident of one of the Oregon or Washington communities we serve.

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With Remarkable Checking you get some services for free that other financial institutions charge for. Plus, you get a high interest rate compared to a lot of other banks

Marvy S.

The credit union difference

Not-for-profit

Every dollar we earn is invested back into the community via scholarships, grants, low fees, and generous rates.

No shareholders, only members

We are member-owned, which means you own a share in the organization and you have a voice in how we grow.

We keep it local

We let our PNW pride show by elevating local businesses, sponsoring local events and bringing our members to join in on the fun.

About OCCU

OCCU proudly follows the credit union philosophy of people helping people. Unlike a traditional shareholder held bank, our profits are invested right back into our members, our operations and the communities we serve.

That results in:

Low and no fees
Increased savings rates
Lower loan rates
Exceptional member service
Charitable giving in our local ccommunities

Your individual financial successes play a role in all this too. As a member of a cooperative, your deposits become loans to help the financial wellness of other members. When you take out a loan with OCCU, it’s funded by the deposits of other members. People can buy houses and cars and start businesses and invest in themselves because you did the same. Pretty cool, huh?

It doesn’t stop there. Our goal is to help people thrive — not just our members, but everyone in the communities we serve. Last year, through the OCCU Foundation, we gave more than a half-million dollars to fund initiatives that improve the health and well-being of others in our community. And we couldn’t have done that without your support.

Free, interest-bearing checking accounts, including a Beaver Debit or Duck Debit card
Higher rate savings accounts and certificates of deposit
Lower rate auto loans, along with boat, motorcycle, powersport and RV loans
Home mortgage loans, refinance loans and home equity lines of credit
Personal loans
Rewards credit cards, including The Duck Card and OSU Beaver Card
Business banking services
Financial and estate planning, wealth management and IRAs
Vehicle, home and renters insurance

Start earning interest today

Join now

Vehicle loans

With great rates and quick approvals on our vehicle loans, we can help get you into your dream vehicle – whether that’s a new or preowned car, motorcycle, RV or boat.

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Insurance

With more than 100 years of experience and partnerships with high-quality insurance companies, our team will offer solutions that fit your life and budget.

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Home loans

We offer a wide range of mortgage options tailored to fit diverse needs. From first-time homebuyers to investors or self-employed borrowers, we have a variety of ways to meet your mortgage goals.

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Investing

OCCU Wealth Management is dedicated to helping you with all your investing needs – no matter how big or how small they are.

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They have the ability to understand where you’re coming from because they know where you’ve been, they know where you’re going and they help you get there.

Damon Burian, OCCU member since 2009

Ready to make the switch?

We do our best to make new membership as smooth as possible. If you're coming from an existing bank or credit union, learn more about how to move your accounts to OCCU!

Open an account

Membership FAQs

Member Benefits

Member and owner – A $5 deposit secures your share in the credit union, making you a member and owner.

Online banking – Transactions and other financial business can be done online, on your mobile device, in person or on the phone—whatever is most convenient for you!

Free ATMs – Access to over 30,000 surcharge-free CO-OP Network ATMs nationwide.

Complimentary identity theft protection through Identity Fraud, Inc., available to all members with a checking account. Additional protection available.

Early deposits – Get rewarded with direct deposits automatically sent to your account up to three days early.³

Regular FREE financial seminars on first-time home buying, paying for college, protecting yourself from financial crimes and other subjects.

Accidental death and dismemberment insurance at a basic level with additional coverage available at competitive rates through TruStage™.

Federal insurance program for qualified deposits through the National Credit Union Administration (NCUA).

Click here to view the full list of benefits

Qualifying for membership

Joining OCCU is easy. Membership is open to any of the following people:

Residents of our 70-county membership area (see full list below)
Immediate family members of an OCCU member or someone living in the membership area
Students or employees of the University of Oregon or members of the UO Alumni Association
Employees or members of Bi-Mart and their immediate family members
Employees of the State of Oregon

Oregon

Baker	Curry	Josephine	Multnomah	Wasco
Benton	Deschutes	Klamath	Polk	Wheeler
Clackamas	Douglas	Lane	Sherman	Yamhill
Clatsop	Gilliam	Lincoln	Tillamook
Columbia	Hood River	Linn	Umatilla
Coos	Jackson	Marion	Union
Crook	Jefferson	Morrow	Washington

Washington

All counties statewide

Membership agreements

Learn more about your rights and responsibilities as a member of OCCU.

Have questions? We're here to help.

Call us

800.365.1111

Call Center hours
Monday - Thursday
8:00am - 5:00pm

Friday
8:00am - 6:00pm

Saturday
10:00am - 2:00pm

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Send a message

Chat with us

Click the Chat icon in the lower right of the screen to chat directly with our call center representatives.

¹Remarkable Checking annual percentage yield (APY): 2.00% APY applies to the first $20,000 and 2.00% - 0.20% APY on balances greater than $20,000 if all qualifications have been met. 0.05% APY on all balances if qualifying factors are not met. APYs effective as of 02/05/2026 and subject to change. Fees may reduce earnings.

²Foreign ATM fees charged by non-OCCU and non-Co-op financial institutions for the use of their ATMs will be automatically credited back to your account by OCCU at the end of the statement cycle. This credit is subject to meeting the qualifying factors. Statement Cycle = first day of the calendar month to the last day of the calendar month. Example: May 1 – May 31.

⁴Ignite Savings account annual percentage yield (APY) and rate may change. Fees could reduce earnings. 5.25% APY on balances up to $500, 5.25%-3.45% APY on balances $500.01-$2,500, 3.45%-2.23% APY on balances $2,500.01-$5,000, 2.23%-0.85% APY on balances $5,000.01-$25,000, and 0.85%-0.15% APY on balances of more than $25,000.01. First-year earnings are based on a 12-month average. APY effective 02/05/2026 and subject to change.

Join OCCU today

PNW credit union serving Oregon and Washington

Get your OCCU credit union membership today