Oregon State Credit Union Albany OR | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Oregon State, your trusted financial partner located at 1394 Clay St Se, Albany, OR 97322. Since opening our doors in 1954, we have been dedicated to serving our community with a focus on member satisfaction and financial well-being. With over 145,000 members, we pride ourselves on being more than just a credit union; we are a cornerstone of the Albany community. At Oregon State, we understand that banking is not just about numbers it's about people. Our total assets of $2,580,248,380 reflect our commitment to providing you with reliable services and products tailored to your needs. Whether you're looking for personal banking solutions like checking and savings accounts, or need assistance with auto loans and mortgages, we're here for you. Our leadership team, including CEO Gary Schuette II and Board President Kelley Kaiser, is dedicated to ensuring that your experience with us is seamless and supportive. Our team of 312 employees stands ready to assist you with any financial needs you may have. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 306, Corvallis, OR 97339-0306. We invite you to explore our website at oregonstatecu.com for more information on the services we offer or give us a call at 541-926-1144. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us

We invite you to join Oregon State and experience the difference that comes from being part of a member-focused institution. Whether you're looking for personal banking options or business solutions, we're here to help you succeed financially. Visit us during our operating hours Monday through Friday from 9 AM to 6 PM for lobby services or drive-thru services from 8:30 AM to 6 PM and see how we can support your financial journey. For more information about membership or services offered at Oregon State Credit Union, please call us at 541-926-1144 or visit our website at Oregon State Credit Union. We look forward to welcoming you into our family!

Our Journey

Our journey began with a simple mission: to provide accessible financial services tailored to the needs of our members. From our first small office to our modern facility at 1394 Clay St SE Albany, OR 97322, we have continuously evolved. Our location is easily accessible for all residents and nearby businesses, making it convenient for members to engage with us. If you need to send official correspondence, please use our mailing address: PO Box 306, Corvallis, OR 97339-0306. Through the years, we have embraced technology while remaining committed to personal service. Today's members can enjoy online banking and mobile applications that make managing finances easier than ever. We also ensure accessibility through ADA compliance and offer a range of services including auto loans, mortgages, credit cards with rewards, and business banking solutions.

Our Mission

At Oregon State, our mission extends beyond traditional banking; we aim to uplift our community by providing comprehensive financial education and support. We believe in empowering individuals and families through sound financial practices. Our commitment is reflected in various community outreach programs that promote financial literacy and well-being. We take pride in being more than just a credit union; we're part of the Albany community fabric. From partnerships with local organizations to sponsoring events that bring people together, we are dedicated to making a positive impact.

Branch Location & Accessibility

Welcome to the Oregon State Albany Branch, your friendly neighborhood credit union located at 1394 Clay St SE, Albany, OR 97322. Nestled in the heart of Linn County, our branch is easily accessible for all members. Whether you're heading to nearby parks or running errands downtown, stopping by our branch is a breeze. At Oregon State, we know how important convenience is. Our lobby is open Monday through Friday from 9 AM to 6 PM, so you can visit us during your busy day. If you're on the go, take advantage of our drive-thru banking service available from 8:30 AM to 6 PM on weekdays perfect for quick deposits or withdrawals without having to leave your car. Finding us is simple! If you're coming from the Albany Historic Carousel & Museum or just passing through town, you'll appreciate our ample parking and easy access features designed with everyone in mind. We comply with ADA standards to ensure that all our members can enjoy our services comfortably. In addition to personal banking services like checking and savings accounts, auto loans, and credit cards with rewards, we also have an ATM on-site for your convenience. Whether you need cash or want to check your balance, we're here for you! While members can visit us at the Albany Branch for all their banking needs, official correspondence should be sent to PO Box 306, Corvallis, OR 97339-0306. So why wait? Come see us today at Oregon State Albany Branch or give us a call at 541-926-1144. We look forward to serving you!

Member Eligibility

Becoming a member of Oregon State feels like joining a warm, welcoming family that truly cares about your financial well-being. To be eligible, you simply need to live, work, or attend school in certain areas that we serve. This means that if you're part of our vibrant community here in Albany or surrounding regions, you're likely already on the path to membership! For the full details on eligibility requirements and to see if you qualify, check out our website at http://www.oregonstatecu.com/join . Once you're ready to join us, opening an account is a breeze! You can easily get started online by visiting https://www.oregonstatecuonline.com/dbank/live/app/register , or feel free to give us a call at (541) 926-1144 if you have any questions. We're excited to support you on your financial journey and help you take advantage of all the benefits that come with being part of Oregon State at 1394 Clay St Se Albany Or 97322!

Business Banking & Commercial Services

Commercial Loans that Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $233 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $14 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $240,002,775, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make Transactions Simple

Imagine running your business smoothly with payment solutions designed just for you. Our merchant services allow you to accept payments easily, whether in-store or online. This means more time focusing on what matters most growing your business. Visit us at 1394 Clay St Se Albany Or 97322 or call us at (541) 926-1144 to learn how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Accessibility and Support

At Oregon State, we believe in providing exceptional service both online and offline. You can reach us at (541) 926-1144 during our lobby hours from Monday to Friday, 9 AM to 6 PM, or take advantage of our drive-thru service from 8:30 AM to 6 PM. We invite you to explore all that we have to offer at Albany Branch. Join us today by visiting our website or giving us a call! Your financial journey starts here!

Business Banking Solutions

For local entrepreneurs, we understand that running a business comes with its own set of challenges. That's why we offer comprehensive Business Banking services, including merchant services and business loans. We're committed to supporting the growth of businesses in our community.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's where our Online & Mobile Banking features come in handy. With just a few clicks or taps, you can manage your accounts from anywhere at any time. Want to make a quick withdrawal? Our ATM services and cash withdrawal options are easily accessible for your convenience. If you're on the go and need assistance, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle.

Personal Banking Made Easy

Imagine walking into your financial institution and knowing you have options that fit your lifestyle. At Oregon State, we offer Personal Banking services that include checking and savings accounts tailored for your everyday needs. Need a new car? Our Auto Loans & Vehicle Financing are competitive and designed to get you on the road quickly. When it comes to homeownership, our Mortgage Loans & Refinancing options can help turn that dream into reality. Or perhaps you're facing unexpected expenses our Personal Loans & Debt Consolidation services can provide the relief you need with manageable repayment plans. And don't forget about our Credit Cards with Rewards, allowing you to earn while you spend.

Digital & Online Banking

Key Features

Our online banking services include e-statements, which allow you to view and manage your account statements electronically. This not only helps reduce paper clutter but also provides instant access to your financial information. Plus, if you're looking for a fast way to send money, our person-to-person transfer feature makes it simple to send cash to friends or family without any hassle. For those who prefer banking on their smartphones, we've got you covered with a mobile application that lets you handle all your banking needs wherever you are. Although we don't currently support mobile payments, our app ensures that managing your money is still easy and straightforward. We take security seriously at Oregon State. While we do not offer electronic signature authorization at this time, rest assured that all transactions made through our online platforms are secure and protected. In summary, with Oregon State's digital and online banking services, you're empowered to take control of your finances effortlessly. From accessing e-statements to transferring funds quickly and safely, we make sure that every transaction is both user-friendly and secure. Visit us today to explore all that we have to offer!

Financial Strength

Committed Team Support

We also take pride in having 301 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Our total share accounts stand at 287,903, reflecting a strong and growing member base that trusts us with their finances. This trust allows us to operate efficiently; our recent net income of $0 highlights our operational effectiveness. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Oregon State is your trusted partner. Visit us at 1394 Clay St Se Albany Or 97322 or call (541) 926-1144 to learn more about how we can help you achieve your financial goals.

Investing in Member Success

With $274,424,316 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $25,380 in used auto loans and a total of $1,569,841,504 in loans and leases.

Secure Savings Opportunities

Members' savings are secured through $451,020,084 in share certificates and $642,508,854 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $279,291,687, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,080 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $384,578,829 in used vehicle loans and $152,708,985 in new vehicle loans already helping members get on the road. Whether you're considering financing a brand-new model or a reliable used vehicle, our competitive rates make it easier than ever.

Business Financing

For business owners, our outstanding commercial loans totaling $240,002,775 provide the capital needed to grow and expand your business. We understand that every business has unique needs and are committed to providing tailored solutions that help you thrive. At Oregon State, we're dedicated to making your borrowing experience straightforward and beneficial. We encourage you to explore refinancing options and check your eligibility through our website at https://www.oregonstatecu.com/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply for a loan or just want more information about our services, visit us today or give us a call at (541) 926-1144!

Credit Lines

For those who want a bit more flexibility, our credit lines are an excellent choice, totaling $399,241,033. They offer quick access to funds when you need them most, whether it's for emergencies or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $94,345,838, make buying or refinancing simple. We provide various mortgage solutions tailored to fit your specific situation, ensuring you find the right path toward homeownership.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $45,900,259 in loans helping members manage their finances effectively. This option provides an easy way to cover unexpected costs without the hassle.

Loan Aggregator

Benefits of Using LendMesh

Using LendMesh comes with several advantages: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect real market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their financing options. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Ensuring Accurate Comparisons

LendMesh ensures that its loan comparisons are accurate and trustworthy. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment guarantees fair and transparent offers for users seeking the best rates.

Take Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

OREGON STATE CREDIT UNION