Become a Member of OCCU
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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
![Map of qualifying counties in Oregon and Washington](/sites/default/files/styles/small_hq/public/image/2023-12/membership%20area%20map.png?itok=kk7UX0qP)
Counties eligible for membership
Oregon counties
Benton | Deschutes | Klamath | Polk |
Clackamas | Douglas | Lane | Sherman |
Clatsop | Gilliam | Lincoln | Tillamook |
Columbia | Hood River | Linn | Washington |
Coos | Jackson | Marion | Wasco |
Crook | Jefferson | Morrow | Wheeler |
Curry | Josephine | Multnomah | Yamhill |
Washington counties
Adams | Franklin | Lewis | Skamania |
Asotin | Garfield | Lincoln | Snohomish |
Benton | Grant | Mason | Spokane |
Chelan | Grays Harbor | Okanogan | Stevens |
Clallam | Island | Oreille | Thurston |
Clark | Jefferson | Pacific | Wahkiakum |
Columbia | King | Pend | Walla Walla |
Cowlitz | Kitsap | Pierce | Whatcom |
Douglas | Kittitas | San Juan | Whitman |
Ferry | Klickitat | Skagit | Yakima |
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).
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!
![document with download icon](/sites/default/files/styles/small_hq/public/image/2023-12/Icon_budget-calculator_250x250_11-2023_v2.png?itok=bqzd2pvB)
Membership agreements
Learn more about your rights and responsibilities as a member of OCCU.
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.