Quite possibly the worst credit union in the country. If you care about the health of your finances, expect competency, professionalism or even civility, don't use this credit union. What passes for leadership is dismal and according to their own staff, are routinely abusive. You can do better with just about any other financial institution. The reason to use a credit union is for the personalized experience, the investment of your dollars in the local economy and sound financial management. None of these things you will find at Oregon State Credit Union. read more

I am not someone who often reviews places, especially with negative reviews, but it has been so difficult working with this company that I'm frustrated that I even have to give it a 1 star review when it deserves nothing. I got an auto loan from Oregon State Credit Union in March. I was super excited because I was finally getting a new car without any help from others. Turns out, it wasn't a great decision because of who gave me the auto loan. I had insurance for the car that I was already paying for, but they forced me to have a "Collateral Damage Protection" on it, because my insurance didn't have it on the insurance card the Oregon State Credit Union was a lien holder. I spent months going back and forth with different individuals about taking the collateral protection off because the car was already insured. However, once they finally took it off of my car, they still charged me $897 for the months they were not listed as a lien holder. This made my car payments jump $75 a month, which is really difficult on a caregivers salary. I kept up with my normal payments every month but ended up $149 behind due to the added collateral damage money. I spoke with one of their member services representatives, and she told me that if I could pay off the extra $149 and get my bill current (even with the collateral damage vlcoverage on it), I would have the option to skip a month, and my payment would just be added to the end of my payment plan. I thought that it would be super useful to skip, since I would be switching jobs in December and wouldn't have the money needed to make my normal payment, so I scraped together everything I had left to get my bill current. Unfortunately, when I tried to skip a payment on their app, it wouldn't let me. I spoke with another one of their representatives on the phone, and he told me that I would not be allowed to skip a payment afterall, because I had to pay off all of the extra collateral coverage first, which is the complete opposite of what the other representative had told me. I then asked if I could change my payment date, so that I could make the payment on my new pay date so it wouldn't be late, to which I was also told no due to the stupid collateral that I never needed. He then preceded to tell me that I could sign a paper that he would email me that would take my payment off of automatic payments for the month, which would give me time a little bit of time to figure things out. And of course, he made sure to remind me that there would be a late fee if I didn't get the payment in before a certain time. I told him I understood and immediately signed the paperwork for him so that I wouldn't have to worry about the payment automatically being taken out of my account. But lo and behold, Oregon State Credit Union has tried to automatically take the payment out of my account anyway, despite the papers I signed, twice now this month, which is going to give me overdraft fees, because there's no money in my account. I am beyond frustrated with their lack of professionalism and their absence of respect for their customers. They have continuously lied and given me false information since I have become a member. Without a doubt, Oregon State Credit Union does not value their customers. Money is their only objective, and they do not care how they screw over their customers to get it. Please save yourself the trouble and find someplace else that actually cares about the people they are working with and serving. read more

Had a debt consolidation loan, everything was great paying it online, than the online site was down & I was unable to pay it due to the website being down, website was down on my end for nearly 2 months, than it was nothing but a major pain to try & pay it online, to pay over the phone they wanted my banking account number & routing number, that is a LOT of numbers to be given to someone over the phone, no thank you. They would not note the account that I had been trying to call to pay, and now it's being sent to collections after I had been reaching out numerous times trying to get the thing paid, I spoke to 2 representatives today (09/12/23) & they were strait up rude, I was transferred to collections & in order to pay off my loan in full I have to bring in cash?!, Can't use a debit or anything over the phone?!, I am done dealing with this business and much rather just deal with collections on my loan, it has been nothing but one major headache trying to pay them and I am done being with the rude representatives. This business has gone down hill, it's a bit of shame. So, in the long story if you want a loan with a bunch of headache and hassle this is a great place to get one at. read more

Unable to contact anyone if you can't go in person. Mobile deposit confirmed and never shown up in account. This credit union makes only a call center number available and I have called multiple days to be told there are 20+ people ahead of me and had to give up waiting after 30 minutes. I have chosen the option to have them call me back and never received a call back. I called before hours to talk to an "after hours" representative, who could not assist me and told me to call back during business hours. I explained again why this was not an option and the rep connected me to a branch that would take a message (could not give me the number though). It gave no indication it was recording and went dead after a few seconds. The secure email system has not been functioning for over a month. I used mobile deposit two weeks ago and got a confirmation number for a successful deposit of a check, it has never shown up in my account. I am unable to contact anyone. read more

Worst credit union/bank Ive ever had. I am looking into a new place to take my car loan. Reaching a person on the phone is like pulling teeth, the app is not user-friendly and when theres a mistake it takes over a week to fix. I am not impressed with any part of this place. Find somewhere better! read more

This is not the bank for anyone who wants to open a business account. Went to use my card to purchase some items from DHGate and after 3 attempts my card was deactivated. I went and called the "After Hours Specialist," only to find out that they cannot open up my account because it is a business account. This happened on a holiday weekend. How in the hell does a bank who sells business accounts not have anyway to reactivate an account after business hours? Also, their hours of operation are only open until 5:30. Most bank are open until at least 6. Very poor service and an insult to any business owners. Get it together OSU...you just lost another client. read more

Great Credit Union, they handle all my accounts. Faylene and Eli were instrumental to meeting my needs. Thanks guys!

First off I obtained a loan through our local car dealership. Once I waited a week, I tried calling to actually obtain a loan number, so I could pay extra towards account. After 1 month, I FINALLY was able to call again and actually get the info needed to send an extra payment in. Then after car was paid in full, was told in 10 days my title would be received...After several emails and finally again on Nov 19, 2018 I was told it would be in the mail today! 3 weeks later, when I repeated emailed for it....Not the best CUSTOMER SERVICE!!! I would NOT recommend this company, due to the frustration involved with dealing with them! read more

I had a very poor experience with OSU Federal after a nearly decade-long membership. It came down to a company policy, and it puts those with less money at a very clear disadvantage. I wouldn't care so much if I didn't feel that a 1/2 billion dollar entity was berating me for asking for my own money. Also, there are probably a fair amount of people who don't feel comfortable bringing this issue up and have similarly been put in awkward and pressing situations when their money is unexpectedly unavailable. To be clear, while I disagree strongly with the policy, it's the handling of this (minor) situation that has turned what could have been a routine inconvenience into a lesson for me and others who are struggling. It's likely that I will close my OSU Federal account. In the meantime, I will be asking other financial institutions about their policies. I'm a fair and reasonable person, and I would like to do business with organizations that treat me and others as actual people rather than miscreants. While I accept my share of the responsibility--and I do--this situation could easily have been handled differently, with the exact same economic outcome for both parties, but with a drastically different public relations outcome. I'm no customer service wizard, but I am thankful that in my own career I don't leave the public feeling how I felt, even when their actions are much further into the wrong than my own. I would look into other options before trying OSU Federal. read more

I've been with OSU FCU pretty much my entire life. They aren't perfect - but they're much better than most of the evil bastards in the business. Customer service is mostly good - however, as a previous Yelper points out, they can be quite rigid in the ways that they are willing to help you. When I was traveling in Europe (and obviously unable to come into their office) they were utterly useless and I really felt betrayed by them. Also, their hours are pretty limited. Finally, it used to be that you could call them and a person would pick up. These days - you call them, and once you've made your way through the phone tree, you finally are put on hold for five minutes before getting to talk to somebody. Similarly, I have not been impressed with their credit card group. I recently asked them to increase my credit limit on my card. The lady who was making the decision was incredibly rude and seemed indignant that I would ask for so much credit (it wasn't much, and was less than 10% of what I had sitting in my account at the time). But for the most part they're friendly and happy to help. Very few fees. Average interest rates. read more

been member since 1993 since I was student there-over the years this bank got worse and worse-in terms of fees , mistakes, incompetent tellers and the most important the web site for online acc is a mess Deposits are 3 days delayed for available funds. Every time I try to log in regardless the browser it doesn't recognize my acc pass-I had to change it every log in and after got confirmed next day same thing ---I called the technical service but they had no clue why-some bored girl is reading standard steps from a script-even my situation is different. I am done trying-I will close his acc and change the bank I am sure nothing will be done and they will answer in the same manner as their incompetent technical service : "Thank you for reaching out to us, Adrian. I am sorry your experience with us was not what you expected. We would like to learn more so we can improve our member service. Someone from the credit union will be reaching out to you for more information." read more

Very easy to set up account...convenient location on 9th...friendly staff...

I have been a member since my Scotty Saver days as a child and I continue to have amazing service as an adult. Just recently I had exceptional customer service with Laura Butler from the Call Center. I was having problems with a loan from a third party organization, without getting into too much details, Laura was extremely empathetic, mindful, and knowledge about the appropriate steps to take and provided me information in managing my account. The whole conversation lasted no more than five minutes, but it provided so much relief and help. Thank you for your help!!! read more

I have had nothing but problems with this bank. They added something on there that want supposed to be, something I never asked for, which is overdraft payment. They charge $30/transaction for this service that I never asked for. I opened an additional amount to keep my business and personal transactions separate. I went traveling and suddenly my bank accounts were switched to make it look like I was using the wrong card. After hours of speaking to the reps, I started looking into my payment methods in all of my payment accounts and sure enough, the accounts are different. I have all of the paperwork to prove it and I will be suing this bank for fraud. If you have an account with them, close it before they do it to you too. Better yet, make sure they haven't already. This is the most corrupt bank I've ever gone with. I will update again once my lawsuit is underway. There could very well be a class action suit that can start from this. If they've done it to you too, context me so we can make it a class action suit. As for the stars, if I could give them a negative amount, like they've done to my bank account, I would. read more

I've been a member for about 7 or 8 years. I've never written a bad check, I've been an exemplary member. OSCU is completely outdated in their technology and passes the blame to their members. Other credit unions have instant mobile check deposit. They do not. They will honor pending debits and not pending deposits so they can charge you with hundreds of dollars of NSF fees. I had pending deposits from Amazon and Paypal as well as a few debits that I had more than enough money to cover. My account never went negative but I was charged 3 NSF fees that they refused to reverse. Kate in the call center was completely rude and wouldn't take ownership of the companies shortcomings. Oregon Community Credit Union has handled our personal accounts for decades. We've never had any of these problems with them, and their mobile deposit is instant. I'm now closing my Oregon State Business accounts and moving them to Oregon Community instead. If you rely on mobile banking, do yourself a favor and go to OCCU instead as well. read more

Bad bank do not open an account in here they charge you at the minimum mistake you make. I went overdraft and immediately went and deposit the overdraft amount and they charge me 30 dollars anyway I call and a lady call Cristina told me that they charge instantly if you don't have enough funds at the moment in a really firm tone no apology nothing she was kind of rude, this is illegal, they suppose to give you a period of time to cover the insufficient funds, costumer service sucks, I'm definitely moving accounts. read more

I am out of state on a business trip, and I needed to make a fairly substantial withdrawal. While I am not a customer of this bank, they are on the list of credit unions who act as a "co op" for the credit union I have an account with. When i walked in, I was greeted cheerfully, and directed where to go. Teller was also helpful and polite. Definitely had a positive experience with this credit union. If I lived in the area I would definitely use this credit union again. read more

An account with this bank seemed like a good fit. Corvallis resident. University employee. Nope. I'm losing appreciation. There are 3 branches in this town but you have to drive to Albany if you need to go inside of a branch on Saturday... like i did when they cashed an obvious fraudulent check towards my account on a Friday afternoon, overdrafting it. Then I couldn't get my funds returned, they said, until Monday because the person who could authorize it doesn't work on weekends. I had no money to my name all weekend. Went to the bank Monday morning... closed for Presidents day. Thanks OSCU... ya kinda left me stranded read more

Oregon state credit union is hands down the best bank I have ever had accounts at. I am a native Oregonian who moved to San Diego a little more then a year and a half ago I have kept all of my accounts at Oregon state even since my move because of the amazing customer service. I use a share branch here when I need to deposit money because there is not a bank I trust my money with more. A couple months ago my debit card was cloned in an ATM by the boarder of Mexico the OSCU team went a above and beyond for me. Not only did they automatically put all the money back in my account they ended up overnighting me my new debit card because I had zero access to my account or my money till I got one. I carry all my loans with them from credit cards to auto loans. read more

I've banked at many institutions in my lifetime and I've never encountered a better bank than Oregon State Credit Union. I had recently been involved in a traffic accident and my car was totaled and I needed to quickly purchase a replacement car so I could get back to work. I found a great deal on a car but the dealer did not offer any financing. I explained my urgent need for a loan to a representative at OSCU and the branch manager stepped in and quickly provided me with a loan approval and I walked out of the branch on the same day with the check in hand. Thank you Oregon State Credit Union ! read more

Not a real credit union--operates exactly like a faceless corporate bank that maximizes profits to shareholders. You are not a "member" of OSU Federal, you're just a source of income to them. What little training they must provide to their staff, it seems to emphasize trying to always get every penny in fees and charges, and not to waste time trying to correct bank mistakes or make things right for the customer. They were better several years ago, now VERY bad--stay away! I've had great service with people who seem to be lead by management that must emphasize excellent service and the importance of satisfied customers from Umpqua Bank. read more

I am quite shocked with the other reviews. It seems like people wrote bad reviews when they would have received the same answers from every other financial institution. Having worked in finances, I know what is reasonable to expect from a bank/CU. At least two reviewers were upset about not getting info they asked for over the phone. This is because of the prevalence of fraud in the world today. If it actually had been someone else trying to commit fraud you can bet they would be overjoyed by the security measures. Anyway, I have used them for almost ten years and have received great service. I love going to see Louise (at the University branch) for my business. She obviously cares about making sure my needs are met. read more

I have been a member for over a decade and they really used to be great. However, now they are just plain bad. I wish I didn't have so many accounts all tied to things with them so I could leave more easily. Expect to be on hold a minimum of 10 minutes every time you call no matter what time or branch. Also expect the call center to route you wrong about every third time you call so you get disconnected and have to call back and wait on hold again. But not to worry the person who answers will not help or provide wrong information this has now happened to me 5, yes 5 times. Two times with wrong branches I could go to for service leading to a ton more f wasted time driving to another city, one time with the wrong wire info so a one hour drive to the neatest non partner branch later found out the call center was wrong, again. The other times were on service issues, meaning they didn't know their own fees etc. Again not to worry though because a specialist, meaning a person who should have just answered your call as they don't seem to know very much either, will call you back at random in a day or so. Remember if you miss their call just get on hold for 10 min to request another call in 24 hours at random to find out a basic question like the fees they charge where you are planning on traveling to. I wish this was the only negative issues I have had but in the past few years they go much further and I don't have time to explain them all. Please find anywhere else to bank if banking is important to you. I will do the same once I can get all my accounts and business payments etc sorted out. Sad to see a once great local credit union act like a big corporate bank who doesn't care. 2 stars for the sake of what they used to be, would give them 0 if I didn't know them as the credit union I started with. read more

Very simply, service has declined precipitously. More importantly, the CU pays substantially less than other local financial institutions. CD rates and MM rates are FAR BELOW other local financial institutions. Seems their (your deposits!) Money is going to build new locations - no different than commercial banks EXCEPT THEY ALSO PAY BELOW MARKET RATES ON YOUR DEPOSITS. read more

I have been trying to get an Issue straightened out on my IRA account. I can't seem to find anyone who can help me. I have made several visits to the branch and made many phone calls. (It takes a long time to get a real person... their music & adds are really bad.) Right now I am waiting for a return call... ;( read more

This business used to be a lot better until they changed their policy. If you can avoid this place. If you go inside with a ball cap on the manager will run up to you like your going to rob the place and have you remove your hat or leave. No matter how many times you have been in there. They seem to be scared of their customers. I'll be moving my account elsewhere. read more

Can't get a phone call through to save your life. It should not be so hard to access your bank by phone. I've held for 17 minutes at this point. read more

DON'T EVER DO A BUSINESS ACCOUNT WITH THEM!!! I've been trying to close the account for over a week with numerous calls to the customer service number. You CAN NOT directly speak with the business department and they hold absolutely no accountability. Starting the account was like pulling teeth. We submitted everything timely and were told it would only take 2-3 weeks to obtain our credit cards. It took 3 months of constant calling and nagging to even get a call back! I was wrong in thinking trying to get this account closed would be any easier. We are still trying and just keep getting no where. GO SOMEWHERE ELSE AND SAVE A LOT OF PRECIOUS TIME AND HEADACHES. read more

For the last two times I have went here I have been harassed because I refused to remove my Air Force SAC Veteran hat..This time they refused to help me until they got a manager to come out..This is second time they have done this..Last time I was told it was for the cameras for identifying me..Apparently me serving to defend this great nation from this kind of control is unacceptable to them..Here I am with my ID account card, and driver license and they cant serve me because I wear an Air Force Veteran hat..Clearly this is the epitome of ignorance. I have been a member of OSU for several years and am now considering whether I want to be part of such harassing and bigoted people. Simple; I served our nation for freedom and apparently freedom to wear an Air Force Veteran's hat with a Strategic Air Command Pin is no longer acceptable. Sad when they think they can tell you what to wear to get your own money.. In addition they asked my wife to remove her hooded Sweatshirt when she was there..Understand she did not have the hood on..But she is also a veteran and her sweat shirt had Veteran saying on it..One wonders if they have set out to hassle veterans??? read more

Ever since they had their upgrade. My family has not got our direct deposit. In a Timely manner. It use to hit around 2:00am. Now it is around 9:00am. They do not return their phone calls about this. I would strongly suggest not using. The Oregon state credit union. For any of your banking needs. read more

I have banked with Oregon State Credit Union since I was in my late twenties. I am now nearly fifty. The last few years have seen a real decrease in customer service. The coup de grat has been their recent handling of deposits to our business account. Because we had individual checks during the months of December and again March that were over $5000.00 they informed us that they had the right to hold them for 9 days before releasing the funds. As a self-employed individual getting payed is hard enough but when a bank locks up your funds for nine days so that you cannot pay bills, this is not conducive to business. Had we been poor customers and handed in customer checks that had previously bounced or had poor credit I might understand their hesitancy of honoring our deposits, but the exact opposite is true. If it were a new account I would also understand their hesitancy. It is not a new account. In fact, it is over ten years old. Both my husband and I are college graduates, I have my doctorate and am a family practice physician. We are not high risk clients. When I pressed them about this new policy they noted that federal regulations gave them the right to do this. Further investigation on my part and speaking with other banks confirmed that they do have the right, but they do not need to hold them for the full nine days unless they deem us untrustworthy or financially risky. I wanted to be treated like the upstanding citizen which I am, and today, I started shopping for a new place to take my business. read more

This is the only bank and I have 3 different banks. That seems like every other day that I want to check my balance, they are having "system issues" and they always have a much longer hold on anything over 100 that is deposited through the atm. My other banks it's 1 business day. Then when they run things through they say it's live time. How can it be live time when the transaction is run through before they even open in the morning?????? read more

I was pretty upset at a 33 dollar charge on a 40 cent overdraft, but Denise was gracious enough to refund the charges. Thanks Denise!

I've had an account with them for many years, and have become increasingly disappointed with the service. Originally I wanted to support a local credit union in our community, but there isn't much about community in this bank. I just moved and wanted to change my address but I couldn't find a change of address on the website so I had to call. The woman wouldn't help me because I had two accounts, one jointly with my husband and one without. I guess I answered incorrectly when she asked me which one was our joint account and then she wouldn't accept that I was changing my answer. I finally told her nevermind because we would be closing our accounts. It was the last straw for me. Years ago after I first opened my account I was a student and lived paycheck to paycheck. I found out quickly that they timestamp all transactions. This means, if you're poor, living on the edge, and know that you have a payment coming out but maybe don't have enough to cover it, you won't necessarily be able to deposit money that same day to cover the withdrawal if your withdrawal comes out early in the morning before the bank opens up. They'll still charge you an overdraft fee even if you are at the bank waiting for them to open in order to deposit money, because the other transaction can be processed at anytime prior to them opening for customers. So sad that a local credit union doesn't help support its community members, or even try to understand why some of these issues are so difficult for people who have low incomes. read more

Another bad review for OSU FCU. I changed my accounts from Chase to OSU during the bank bailout period because I didn't want to deal with evil profiteers, and I hate being nickel-and-dimed. Yet I am often dinged for a few bucks by OSU for routine services, and I can get no personalized service based on my situation as a retiree without traditional income sources. It has been repeatedly made clear to me by their personnel that they are more concerned with being slaves to their policies than theyare to delivering good customer service. If you're looking for a local financial institution that treats you like a person, THIS ISN'T IT! I'm going back to Chase, where at least the people at the counter were friendly and accomodative. read more

this is a great bank and i am disabled man and thy help me just fine all banks have errs at times but bc of an acount slip up . u dont hate the bank from fixing it over the phone you could not be the acount holder dont hate them for protecting you read more

I went over to OSU federal after WaMU went out of business. I was never treated as a customer, always as a potential fraud case. I explained to them over and over that i was self employed and i deposited many personal checks from my customers. In two years, not a single check bounced and not a single overdraft, but the suspicions continued. I got used to it, but while i was out of state i had my elderly mother deposit a couple of checks for me. Her first comment was that they didn't trust her. So i was done with them at that point. My experience with OSU fed was disgusting and demeaning. I would NOT recommend them to anyone. where's the "no star" button? read more

After being a very satisfied customer for years, I just learned they found a way to charge a NSF fee for a debit card transaction. While I understand it is my responsibility to keep track of my balance, I find the practice very shady. No notices were sent out to customers, and the fee is a whooping $30. read more

I came into OSU Credit Union a few years ago to ask general questions about credit unions v.s. banks, especially thinking of a possible loan or credit card for my personal situation. It was obvious I was not a monied person, and I echo the reviews of some others, including BC. The attitude I got from the young woman helping me felt dismissive, sarcastic and quite rude. I have never been back, though I certainly would like to be a credit union member rather than a banking customer as I currently still am. read more

I've been a longtime member of OSU FCU and was satisfied in the past; based on my previous experience I was not worried about fixing an account problem. The bank recently made a clerical error involving one of my parent's accounts. My mom is in hospice and partially unable to speak so I tried for hours to deal with the bank on her behalf. Even with power of attorney I was unable to accomplish anything and my poor mom was forced to talk to an agent on the phone who simply said that she couldn't help (but really she wouldn't help). The account services people were the opposite of helpful and didn't seem to care that the error was their fault. Furthermore, they didn't have any policies to facilitate handicapped access or assistance. I called back several times to speak with a manager, and each time I was sent to the wrong person or a voice-mail box. The experience was quite irritating and worse than dealing with a large national bank. I was very disappointed to learn that OSU FCU treats its disabled customers so poorly and doesn't admit responsibility for its own errors. My family will be moving our accounts elsewhere and we advise you to do the same; such shameful behavior should not be tolerated by anyone. read more