How to become a member

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

  • Residents of our 67-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
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Map of qualifying counties in Oregon and Washington

Counties eligible for membership

Oregon counties

BentonDeschutesKlamathPolk
ClackamasDouglasLaneSherman
ClatsopGilliamLincolnTillamook
ColumbiaHood RiverLinnWashington
CoosJacksonMarionWasco
CrookJeffersonMorrowWheeler
CurryJosephineMultnomahYamhill

Washington counties

AdamsFranklinLewisSkamania
AsotinGarfieldLincolnSnohomish
BentonGrantMasonSpokane
ChelanGrays HarborOkanoganStevens
ClallamIslandOreilleThurston
ClarkJeffersonPacificWahkiakum
ColumbiaKingPendWalla Walla
CowlitzKitsapPierceWhatcom
DouglasKittitasSan JuanWhitman
FerryKlickitatSkagitYakima

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

The credit union difference

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Not-for-profit

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

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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.

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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.

It isn't just a place to put your money, it's a place to grow your money.
Jan Burch, OCCU Member since 1976

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!

Become a member
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Membership agreements

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

  1. Membership agreement
  2. Business membership agreement
  3. MyOCCU Online & Mobile agreement
  4. MyOCCU Online & Mobile business agreement

3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. OCCU may, but shall not be required to under any circumstances, make these funds available on the day the payment file is received, which may be up to three (3) days earlier than the scheduled payment date. OCCU does not assume any liability for not depositing these funds to your account early. OCCU may terminate early access at any time without notice.