My husband and I were long-time on-time members at this bank. When we moved out of town, we…read moreswitched credit unions as OSCU is not close to the town we now live. While trying to get a mortgage in late 2025 I discovered a severely delinquent 25-month past due balance of $331 on my credit report from OSCU, dropping our credit substantially from 800+ to 640. The credit union did not do their due diligence to notify us of the past due amount. They claim they sent a letter in the mail (our old address and after forwarding services had ceased) and that they simply "dont have the time" to make any more effort to alert their members of past due balances. They did not attempt to contact me through any other channel and they never sent the debt to collections to be paid. The National Credit Union Administration explicitly states that institutions must have reasonable policies for member notifications, using all available contact channels (mail, phone, email) and account records to attempt outreach before reporting, particularly for small or first-time delinquencies. It is clear to me that Oregon State Credit Union does not care about their members, and they do not fulfill their responsibility to provide notice of issues. I have called several times and have been reassured by the staff that this will go away from my credit after 7 years. Totally unreasonable. It is not acceptable for long standing on-time members to pay the consequences for their failure to perform due diligence. Upon discovery, I attempted to pay this debt immediately but Oregon State Credit Union would not allow me to pay on the phone and required we bring a cashiers check or other guaranteed fund in person to pay. This was not a reasonable option as we live an hour or more away from the closest Oregon State Credit Union. I was able to pay this debt when I called back in March 2026 and was finally able to pay over the phone. You need to close your doors if you can't modernize and if you do not have the proper staffing to make good faith and reasonable attempts for payment.

On 10-7-25, in person at the Woodburn branch, I both took out an initial membership, a required $ 5…read moresaving account, and also opened a type of CD. As part of that process I registered for online banking, including provision of the routing and account #'s for my external checking account. Said data also clearly indicated on the check for deposit I gave to the applicable staffer. However, subsequently when I logged on to the website in order to do a sort of trial run entry to see how exactly I go about transferring some funds from that external account which will then be deposited into the OSCU CD account of record, and thus was on the relevant page, per the germane drop down menu, and expecting to see the prior provided external account data, yet the box was blank! Also, while on the website, and again expecting to access any and all pertinent data, yet nowhere could I find several applicable account numbers.. Whereas, all I was able to see after having accessed the Personal Information page is something identified as "ID **** In sum, doubtless this is a markedly deficient financial website, like no other ever experienced. Then after I sent another external email (meaning not while logged in to the website) to the indicated OSCU address, I received, in part the following email message. "Thank you for your e-mail regarding your account. I'm so sorry for the frustration this has caused. We would be happy to assist you; however, for security reasons and for your protection, we request that you contact us" including through "Secure email through your online banking" My return reply. ´"Secure email through your online banking or mobile app access?" (Note: totally unlike every other financial website with which previously I've interacted which contain an actual email structure, what passes at OSCU instead is a chat room!) So, once more I sent another external email inquiry--, asking for example why my checking acct. of record did not show up on the transfer from drop down menu? And once again I posed multiple questions easily answered in an external remail reply, none content that required 'secure information," e.g., how precisely is it one takes funds, in this scenario, from an external funding source and transfer such to the prior established CD? Moreover, I asked "where on the website are shown, after logging in, the full account data for, e.g., the CD" "ALL of the above" such "questions simply pose in order to get straight answers" I ended the email by writing, "Sorry, but I don't have any patience for getting the personally perceived run a round." All I can say in conclusion, thank the stars that my initial deposit amount was only about 20% of what I had originally intended, as in multiples of 100 K. Greg M.