Central Oregon’s credit union

OCCU members enjoy better rates, fewer fees and a financial partner that’s looking out them. 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% APY4 on 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. When you join, you’re improving your financial future and helping others build theirs as well.

Remarkable $200 offer details*

Open a Remarkable Checking account today at our Redmond branch or our new branch in Bend before April 30,2026.

Four easy qualifications and you’ll earn a $200 in your account:

  • Have a Remarkable Checking account added to your new membership.
  • Sign up for eStatements.
  • Set up an automatic payment to go through your Remarkable Checking account each month. (A utility bill, like for cable or electricity, will ensure you’re completing this step each month.) 
  • Complete 12 transactions each calendar month. (It’s easy — just use your debit card!) 


 Offer details:

  • Valid on memberships opened at the Redmond and Bend branch. 
  • No online memberships.
  • Member cannot be the primary account holder on any active OCCU checking account during the preceding 12 months beginning Feb. 9, 2026
  • Monthly qualifying factors must be met during the first three calendar months immediately following account opening. Monthly qualifications include: (i) enroll in eStatements; (ii) perform 12 cleared transactions; (iii) have one automatic transaction post. Note: Month one qualification will be automatically completed on the member’s behalf.
  • Member cannot be receiving any other Remarkable checking incentive offers. 
  • If all the monthly qualifications are met, the $200 offer will be applied to the member’s account after the third month.
  • $200 offers will be reported as interest and shared on the member’s 1099-INT.
  • Hurry! Offer expires April 30, 2026.

Apply at your favorite Central Oregon OCCU branch

Bend branch directions
Redmond branch directions
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

Because we follow the credit union philosophy of people helping people. Unlike a traditional bank, we’re not beholden to shareholders. 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.
  • Earmarked community funds.
  • Charitable giving. 

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.

 

Credit Cards

From building credit to showing your alumni pride, we’ve got a credit card that fits your life. Choose from the NICE Card, NICE Perks, the Duck Card and the OSU Beaver Card. They each have different benefits, but they all come with:  

  • Convenient, safe touch-free shopping. 
  • Easier online shopping with Visa Pay to Click.
  • Customizable alerts so you can stay on top of your spending. 
  • Card controls. Block and unblock your card, dispute charges, report a lost or stolen card. 
  • Zero fraud liability and ID Navigator from NortonLifeLock. 
  • Roadside assistance from Roadside Dispatch.
Learn more

Ignite Savings

Grow your savings fast with this high-yield account that’s great for all kinds of savers. Build an emergency fund or get started on the path of saving more money. 

There’s no minimum balance to get started and no time to waste. Start earning an incredible rate today.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

Investing

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

Learn More
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

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

Bend Branch

20785 NW Henry Ave
Suite 150
Bend, OR 97703

Branch hours: 

Monday - Thursday:
9:00am-5:00pm

Friday:
9:00am-6:00pm

Redmond Branch

875 SW Rimrock Way
Suite 100
Redmond, OR 97756

Branch hours: 

Monday - Thursday:
9:00am-5:00pm

Friday:
9:00am-6:00pm

*$200.00 bonus offer applies to Remarkable Checking accounts opened between February 9, 2026, to April 10, 2026, at the OCCU Bend and OCCU Redmond branch locations. Bonus credited to the account 90 days after account is opened and qualifications are met. Qualifications and eligibility to earn the opening bonus includes: (1) Member cannot be the primary account holder on any active OCCU checking account during the preceding 12 months beginning Feb. 9, 2026. (2) Monthly qualifying factors must be met during the first three months immediately following account opening. Monthly qualifications include: (i) enroll in eStatements; (ii) perform 12 cleared transactions; (iii) have one automatic transaction post, (3) Member cannot be receiving any other Remarkable checking incentive offers. Month one qualification will be automatically completed on the member’s behalf. Contact an OCCU representative for additional bonus details. Offer may end at any time, contact OCCU for details. Fees could reduce earnings.

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 12/15/2025 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 12/15/2025 and subject to change.