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OSCU Visa Value
OSCU Visa Value
- 12.00% to 22.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.00% to 22.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.00% to 22.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The OSCU Visa Value Card is the ideal balance transfer and low APR credit card for members of the Oregon State Credit Union. The card features an exceptionally competitive typical APR on purchases, balance transfers, and cash advances, making it perfect for those who either prefer to carry a balance on their cards or who are looking to consolidate existing debt into one easy to manage monthly payment. The card also benefits from no annual fees and no additional fees for conducting a balance transfer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Competitive APR on purchases, balance transfers, and cash advances
- No balance transfer fees
- Regular Purchase APR: 12.00% to 22.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.00% to 22.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.00% to 22.00% 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
- You already bank with Oregon State Credit Union
- You do’t mind carrying a balance on your card
- You want to finance a large purchase over several months
- You want a great APR on purchases, balance transfers, and cash advances
Oregon State Business Visa
Oregon State Business Visa
- 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18% Balance Transfer APR
- 18.00% Fixed Cash Advance APR
At a Glance
The Oregon State Business Visa Card is a dependable business credit card from Oregon State Credit Union. The card features a low variable APR on purchases, a fixed APR of around 18% on balance transfers and cash advances, and an annual fee of $25. The yearly fee, however, is waived if the card is used to make a purchase at least once in the calendar year. Beyond great rates, the Oregon State Business Visa Card boasts an array of online account management controls and protections, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18%
- Cash Advance APR: 18.00% Fixed
- Annual Fee: $25
- Late Payment Penalty Fee: $25
- You’re already a member of Oregon State Credit Union
- You want a low variable APR on purchases
- You want to provide employees with employee cards with unique spending limits
- You plan to use the card for purchases at least once every 12 months
OSCU Visa® Rewards
OSCU Visa® Rewards
- 14.50% to 25.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.50% to 25.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.50% to 25.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The OSCU Visa® Rewards Card is a no-nonsense reward card from Oregon State Credit Union. The card features a very competitive APR for purchases, balance transfers, and cash advances, as well as no hidden fees. Cardholders earn points for every purchase made with the OSCU Visa Rewards Card, points which are redeemable for flights, merchandise, gift cards, charitable donations, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee depending upon your Member Merits category
- Earn points for every purchase
- Competitive APR
- Regular Purchase APR: 14.50% to 25.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.50% to 25.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: none
- Cash Advance APR: 14.50% to 25.00% 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
- You’re already a member of Oregon State Credit Union
- You want to earn basic, hassle-free rewards for every purchase
- You don’t want to pay additional fees
- You want a highly competitive APR
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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. 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:
- Oregon State Credit Union’s (OSCU) ABA routing number is 323274270.
- The easiest way to contact OSCU is by calling toll-free at 1-800-732-0173.
- OSCU has its headquarters in Corvallis, Oregon. The address for the main office is Sunset Operations Center, 4800 SW Research Way, Corvallis, OR 97333.
- Credit unions are not FDIC insured. Instead, credit union accounts are insured for up to $250,000 by the National Credit Union Administration (NCUA).
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