Oregon State Credit Union Credit Cards

Oregon State Credit Union is a leading credit card issuer that offers no-frills personal credit cards for both business and individuals  who need to establish or repair their credit, as well as cards for everyday use. Browse credit cards below.

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Oregon State Business Visa

Oregon State Business Visa
  • Regular Purchase APR 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18%
  • Cash Advance APR 18%
  • Annual Fee $25
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No fees for cash advances or balance transfers
  • Annual fee waived if card is used once every 12 months
  • Employee cards with unique spending limits available
Rates & Fees
  • Regular Purchase APR: 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18%
  • Cash Advance APR: 18%
  • Annual Fee: $25
  • Late Payment Penalty Fee: $25
Credit Card Deals
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Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
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Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
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Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
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Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
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Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
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Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

OSCU Visa Value

OSCU Visa Value
  • Regular Purchase APR 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Competitive APR on purchases, balance transfers, and cash advances
  • No balance transfer fees
Rates & Fees
  • Regular Purchase APR: 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: $4
  • Cash Advance APR: 6.75% to 16.75% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

OSCU Visa® Rewards

OSCU Visa® Rewards
  • Regular Purchase APR 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Annual Fee Up to $25
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee depending upon your Member Merits category
  • Earn points for every purchase
  • Competitive APR
Rates & Fees
  • Regular Purchase APR: 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: $4
  • Cash Advance APR: 9.25% to 14.25% variable based on creditworthiness and the Prime Rate
  • Annual Fee: Up to $25
  • Foreign Transaction Fee: Up to 1% of transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

About Oregon State Credit Union

Oregon State Credit Union is a leading Oregon credit union and serves as the credit union for the Oregon State University.

OSCU, as it is also known, dates to 1954 and Bob Coyle, an associate professor at the then Oregon State College. Coyle, the assistant professor of agriculture, created Oregon State Credit Union with just $25 in a shoebox to serve the unmet financial needs of Oregon State faculty. By 1960, the credit union had over $1 million in deposits.

Today, OSCU serves members in 24 Oregon counties. It also still echoes the original philosophy of its founding: “Your credit union is in business for one purpose only — to serve the needs of its members.”

Membership Eligibility

Who can join Oregon State Credit Union? Membership is open to anyone who lives in the following Western Oregon counties:

  • Benton
  • Clackamas
  • Clatsop
  • Columbia
  • Coos
  • Crook
  • Curry
  • Deschutes
  • Douglas
  • Hood River
  • Jackson
  • Jefferson
  • Josephine
  • Klamath
  • Lane
  • Lincoln
  • Linn
  • Marion
  • Multnomah
  • Polk
  • Tillamook
  • Washington
  • Wasco
  • Yamhill

Locations

Oregon State Credit Union currently operates 15 branches in 12 Oregon towns and cities. These locations include two branches in Albany, OR, and three in Corvallis, including the headquarters and a location at the university. Other communities that feature an OSCU branch include:

  • Dallas
  • Keizer
  • Lebanon
  • Lincoln City
  • McMinnville
  • Monmouth
  • Newport
  • Philomath
  • West Salem
  • Woodburn

For a complete listing of OSCU branches, including ATMs, fee-free ATMs in the CO-OP network, and shared branches, please visit the credit union’s dedicated locations page.

FAQs About Oregon State Credit Union

Have a question about OSCU? Here are answers to some of the most common questions about Oregon State Credit Union:

What is the routing number for OSCU?

  • Oregon State Credit Union’s (OSCU) ABA routing number is 323274270.

What is the contact phone number for Oregon State Credit Union?

  • The easiest way to contact OSCU is by calling toll-free at 1-800-732-0173.

Where is OSCU headquartered?

  • OSCU has its headquarters in Corvallis, Oregon. The address for the main office is Sunset Operations Center, 4800 SW Research Way, Corvallis, OR 97333.

Are credit unions FDIC insured?

  • Credit unions are not FDIC insured. Instead, credit union accounts are insured for up to $250,000 by the National Credit Union Administration (NCUA).