Rates and Fees

Featured rates

As of date

Auto loans

Right now, rates on new cars, trucks, and SUVs are as low as 2.49% APR with terms up to 72 months, automatic payments and Premier membership. Get pre-approved in a branch or online.

Home loans

  • We’re offering a no fee, 10 year fixed-rate refinance option for loan amounts of $50,000 and up!
  • First-time homebuyers get a .25% home loan discount.
  • For a complete home loan list of home loan options or a customized rate quote please visit our online Home Loan Center.

Credit cards

OSU Federal’s Visa® Value card offers 6.75% APR. No annual fee, no balance transfer fee, no cash advance fee! Apply online, call 800-732-0173 or go to any branch today.


Loans for all your needs

OSU Federal has a range of loans and lines of credit to fit your needs — and your budget. Whether you’re in the market for a new home, new car or would like to consolidate your debt, we’re sure to have a loan that’s just right for you.


Visa Rewards* and Visa Value Card — Rates & Fees Submit a request

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).

The above rates and fees are current as of date. Click here to download the complete Visa Credit Card Agreement and Disclosure.


* Please contact OSU Federal for any changes in card terms disclosed.

** The annual fee may be reduced or waived depending on your Member Merits category. The annual fee will be due on the account anniversary date.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

9.25% – 14.25% Visa Rewards
6.75% – 16.75% Visa Value

When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances

9.25% – 14.25% Visa Rewards

6.75% – 16.75% Visa Value

When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

9.25% – 14.25% Visa Rewards

6.75% – 16.75% Visa Value

When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is approximately 30 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

FEES
Annual Fee

$25** Visa Rewards only

Card Replacement Fee

$5

Transaction Fees
Foreign Transaction Fee


Up to 1% of the US dollar amount of the foreign transaction

Penalty Fees
Late Payment Fee
Transfer Fee


$25
$4


Savings

OSU Federal offers a full range of products that vary in dividend rates and balance levels to meet your specific savings needs.


Account Service fees

Fees as of date

Each account holder agrees to the terms set forth on this Account Fees Schedule and acknowledges that it is part of the Membership and Account Agreement.

For business fees go here


Standard membership fees


* if closed within 120 days
Membership
Age 0 to 12 No Charge
Age 13 to 18 $5.00
Age 18+ $10.00
Membership closure fee* $10.00
Inactive memberships $5.00/month

Accounts


* Basic Savings and Business Savings must maintain a minimum daily balance above $250 or, if below $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. $3 fee not applicable to Scottie Savers or TLT Accounts.

Basic Savings*
$250 minimum balance No charge
Less than minimum balance 3.00/month†
Scottie Savers Club
Age 0 to 12 No charge
Checking
TLT Checking – Age 13 to 18 No charge
Free Checking No charge
Platinum Checking No charge
Money Market
$1,000 minimum balance No charge
Less than minimum balance $15.00/month†
Investor’s Money Market
$10,000 min balance No charge
Less than minimum balance $20.00/month†
Early closure fee if account held less than 90 days $55.00
Individual Retirement Account (IRA)
Early closure fee if plan held less than 180 days $25.00/month†

Services and extras


* At machines not owned by OSU Federal

** 10% rebate for those with Platinum Checking

*** Pay an OSU Federal loan from a checking account at another financial institution

Bank wires
Outgoing Western Union $35 per $10,000 wire
Remit international wire in US funds $35 + third party fees
Remit international wire in foreign funds $35 + third party fees
Incoming wire $15.00†
Outgoing domestic wire $30.00†
Automated teller machines
OSU Federal owned Free
Co-op Network first 6/month Free
Co-op Network additional transactions* $1.50/transaction†
Other machines per transaction* $1.50/transaction†
Checks and check services
Electronic bill paying No charge
Cashier’s check $5.00/check†
Cashier’s check stop payment $30.00†
Non-MICR encoded checks $5.00/item
Mis-encoded checks $5.00/item
Check copy $5.00/check†
Stop payment $20.00†
Bill pay stop payment $25.00
Bill pay expedited payment $5.00
Bill pay expedited payment by check $20.00
Check printing fees Fees depend on the style and quantity of checks ordered.
Temporary checks $2.00/page
Check collections/exchange $10.00 + third party fees
Member in good standing letter
First original $10.00†
Additional originals $1.00/letter
Convenient services
Visa Travel Card
         Reload $3.00
         Standard Issue $6.95
         Personalized $11.95
Plastic card replacement $5.00/card†
Pay by phone*** $15.00/transaction†
Notary service $5.00/document†
Safe deposit boxes $35.00 to $110.00/year**
Redemption of foreign currency $10.00 + third party fees
Purchase of foreign currency $10.00 + third party fees
Special services provided by 3rd party vendors Actual charge
Bad address $5.00/month
IRS incorrect SSN/TIN fee Actual charge
Locator research fee $25.00
Overdraft protection transfer $4.00/transfer†
Statement copy $5.00/statement†
Interim statement copy $5.00/copy†
Account research $25.00/hour†
Endorsement stamps Fees depend on the style and quantity ordered.
Deposit bags 2 free, extras: cost + $5.00
Mortgage amortization schedule $5.00
Levy/Garnishment $40.00
NSF (Non-sufficient funds), returned, dishonored items
Overdraft/NSF fee $30.00/item
Returned item $5.00/item
Returned item deposited through a CU Service Center outlet $5.00/item + correspondent fees
Dishonored non-credit union check written by member $30.00/check

† Service Fees may be reduced or waived for members in the Enhanced and Premier categories of Member Merits. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. See below for criteria for each category.
Premier Category: Four or more account types and an aggregate deposit and loan balance of more than $25,000.00. Enhanced Category: Three or more account types and an aggregate deposit and loan balance of more than $5,000.00 and up to $25,000.00. Essential Category: One or more account types and an aggregate deposit and loan balance of $5,000.00 or less. Memberships in the same household may be combined to reach these categories.


OSU Federal ©2010 OSU Federal

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

Routing number : 323274270