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 NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 23, 2020
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
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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 NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 23, 2020
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
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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 NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 23, 2020
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
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Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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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. 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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