Loans for everyday needs

Looking to buy a car, home or RV? Need a line of credit for those “just in case” moments? OSU Federal provides local financing that comes with quick decisions, affordable terms and competitive rates.

Making payments

Setting up automatic transfers from your OSU Federal or other checking account to your loan means extra savings for you. We’ll reduce your interest rate by .50%.* Payments will occur monthly, without any action by you! Log in to online account access and set an alert to remind you that your payment has been made.

For those unexpected emergencies or cash flow challenges, take advantage of our skip-a-payment program.** Members can skip up to two payments within a 12-month period on most loans or lines of credit (excluding home loans, payday advance loans, and business loans). Your loan must be current and interest will continue to accrue during the skipped month. To take advantage of this option, download this form and return it to your favorite branch, or in the mail.

Protect your loan, protect yourself

Life can turn on a dime and when it does, it’s good to be prepared. OSU Federal has several payment protection options that will help get you through those unexpected events. Take comfort in knowing your payments will continue and your credit is protected.

Apply today!

Getting a loan has never been easier. Use one of OSU Federal’s online loan applications and you can safely and securely apply anytime day or night. Click on one of the links below to get started.

If you prefer, visit one of our branches or contact our Member Service Center at 800-732-0173. If you have any questions about our online loan process, loan status, or need additional information, our Member Service Center Representatives are available by phone Monday–Friday, 8:30 a.m.–5:30 p.m. After hours, you may contact us here for a response on the following business day.

GM Credit Union Discount

*.50% discount for automatic transfer does not apply to variable rate loans, Payday Advance loans, real estate or certificate secured loans.

**You may apply for one or two skips within a 12-month period for each loan. Consumer loans with a 180 month original term are not eligible for skips. Business, payday advance, home equity, real estate, certificate secured and single payment share secured loans are also excluded from this extension.

Checking accounts

We believe in keeping things simple. That’s why there’s nothing complicated about our checking accounts. All have no monthly fees, unlimited check writing and a free Visa debit card. We’ve added a few extra benefits depending on the life stage you’re currently enjoying. Take a look at our options and find the checking account that’s right for you.

Account Descriptions
Free Checking Our members’ most popular checking account
TLT Teen Checking For members 13-18 years of age, not enrolled in college
Platinum Checking For members 55 years of age or better

Easy access

All checking accounts come with free online banking, bill pay and e-statements making it easy to manage your finances. Plus access your money through the CO-OP Network’s surcharge-free ATMs or CU Service Centers shared branch locations. Both provide thousands of access points throughout the United States.

If you’re not close to an ATM or computer simply call our automated Phone Access Teller (PAT) to check your balances or make transfers. To speak to one of our helpful Member Service Center Representatives, call 800-732-0173.

Direct deposit

Give direct deposit a try and you’ll never go back. Coming to the branch to deposit your paycheck, IRS tax refund and more is a thing of the past. To start using direct deposit, simply give the OSU Federal routing number to your payroll department or whomever may be sending you a check. Be sure to include your OSU Federal account number and which account you want the funds deposited. Need help with direct deposit, come by any branch or give us a call at 800-732-0173?

Direct deposit routing number: 323274270

Auto transfer

Paying your loan each month is easy at OSU Federal. We can help you set up an automatic transfer from your OSU Federal account, or you can simply use online account access and set up recurring payments. Either way, you won’t miss a payment and your credit rating will thank you.

Activate your Visa debit card

To activate your card, simply call 888-802-5240 and follow the automated instructions.

Lost your Visa debit card?

If you’ve lost your card, time is of the essence. Call 800-732-0173 during our regular business hours. After hours or on the weekend, call 888-802-5240 and we’ll put a stop on your card and protect your finances.


With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of OSU Federal, entitled to take advantage of all the benefits, products and services available to our members. Maintaining a balance in your Basic Savings Account represents your piece of the credit union.

Saving money is easy with OSU Federal’s savings account options. Choose from any of the accounts below, set up automatic transfers using online account access and start saving. You’ll have access to your accounts through free online banking, mobile banking, thousands of surcharge-free ATMs, and with PAT, our automated phone access teller.

Basic Savings Account
Scottie Savings
TLT Teen Savings
Money Markets
Investor Money Markets

Your money’s safe and secure

All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at OSU Federal, ask us how you can maximize your coverage.

Member Merits benefits

At OSU Federal relationships matter. That’s why we’ve created Member Merits. It’s our way of thanking members for their relationships. The more business you do with us the more benefits (free or discounted services) you receive. All deposit and loan balances are used to calculate your monthly Member Merits category.

Start saving today

Open an account online, visit any of our branches or call 800-732-0173. You’ll be on the road to saving in no time.

Visa® credit cards Apply

They’re quick, convenient, secure, and can be invaluable in an emergency. But in today’s world, the number of credit card options has become staggering. And many offer enticing “introductory” rates that can end up shocking you with hidden fees. But with an OSU Federal Visa®, you can breathe a sigh of relief.

We provide two great options — Visa Value and Visa Rewards — with features and benefits that are sure to meet your financial needs. In addition, we offer a special credit card for teens. Check out the benefits of each card, and let us know if we can help you.

As a local, not-for-profit financial cooperative, we’re focused on creating financial solutions for our members. That’s why our credit card programs earned five stars and Credit Card Connection’s Seal of Approval for “fair and ethical practices.” So once you decide which card is right for you, complete the online application, call 800-732-0173 or go to any branch today.

Card advantages

All OSU Federal credit cards have the following features:

  • No cash advance fees
  • No balance transfer fees
  • No minimum finance charge
  • No penalty interest rates
  • Same rate for both purchases and cash advances
  • Free auto collision damage waiver coverage
  • Convenient online account access
  • Accepted at merchants and ATMs worldwide
  • 24/7 free fraud monitoring

Falcon fraud protection

Your card is protected by a fraud monitoring system called Falcon Fraud Manager, which screens card activity 24 hours a day, 7 days a week. If suspicious or unusual activity occurs on your debit or credit card, you are contacted about the legitimacy of the purchase. If you have any questions, please contact us at 800-732-0173.

Activate your Visa credit card

To activate your card, simply call 888-802-5240 and follow the automated instructions.

Lost or stolen cards

Monday–Friday, 8:30a.m.–5:30p.m.: 800-732-0173
After hours: 888-802-5240
To call Visa directly: 800-VISA-911 or 800-847-2911

If traveling internationally click here

Welcome to the OSU Federal
Home Loan Center

Apply now

Apply for a mortgage loan to buy or refinance a home, or tap into your home equity. When you’re ready, get personal help from a loan officer who specializes in your area. Plus, keep current and lock in our best rates for your dream home.

Today's Mortgage Rates

APR = Annual Percentage Rate

Apply Now

You could be approved
for a mortgage in minutes!

Start your home loan today

  • Choose your loan officer:
  1. Gary: Benton, Lincoln County
  2. Sue: Marion, Polk County
  3. Robin: Linn County

Home loan options with our best rates

Find out more about home loans


The right coverage is an important element of your financial plan. While you can’t predict the future you can be prepared for life’s unplanned events. Through our partnerships, OSU Federal has selected several products exclusively for our members.

Whether you’re looking to purchase or just want to compare rates and coverage, use the links below to get more information.

* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC ) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

OSU Federal ©2010 OSU Federal

  • PO Box 306
  • Corvallis, OR 97339
  • Phone: 800-732-0173

Routing number : 323274270