--- title: "Oregon State Credit Union Rates (Nov 2026): Mortgage 7.17%" description: "Oregon State Credit Union rates today: 30 year fixed mortgage 7.17% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Oregon State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/oregon-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Oregon State Credit Union Rates (Nov 2026): Mortgage 7.17% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.172% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.575% APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.936% APR | 6.875% | — | Standard | Oregon State Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Oregon State Credit Union offers a 30-year fixed mortgage at 7.172% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/oregon-state) , verified from [Oregon State Credit Union's official website](https://www.oregonstatecu.com/) Best product position **Room to improve vs. the Oregon median** 30-year fixed mortgage Gap to state best **19 bp** 19 bp from state best Vs. state median **3 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.17% | Room to improve vs. the Oregon median | 19 bp from state best | 3 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Oregon State Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=oregon-state&state=oregon&code=OR&name=Oregon%20State%20Credit%20Union) Loading branch locator… ## About Oregon State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 157.5K Assets $2.7B Founded 1954 Locations reported 16 NCUA charter 68656 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Benton County Schools** Philomath Branch · Philomath · OR · 97370 About 6.5 miles away](https://rateapi.dev/credit-unions/oregon/benton-county-schools) [**Oregon Community** Corvallis Campus · Corvallis · OR · 97330-5567 About 7.0 miles away](https://rateapi.dev/credit-unions/oregon/oregon-community) [**Onpoint Community** Corvallis · Corvallis · OR · 97330 About 7.5 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**Central Willamette** Corvallis Branch · Corvallis · OR · 97330 About 8.6 miles away](https://rateapi.dev/credit-unions/oregon/central-willamette) [**First Technology** Corvallis Onsite Experience Center · Corvallis · OR · 97330 About 8.7 miles away](https://rateapi.dev/credit-unions/california/first-technology) [**Selco Community** Albany · Albany · OR · 97322 About 15.2 miles away](https://rateapi.dev/credit-unions/oregon/selco-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Oregon State Credit Union Membership eligibility from Oregon State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Oregon State Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Oregon State Credit Union's membership page](https://www.oregonstatecu.com/join-us/) . Final membership determination is always made by the credit union. ## Membership rules for Oregon State Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Oregon State Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member Grandparents, Parents, Spouses, Siblings, stepchildren, grandchildren, half-brothers, half-sisters, aunts, uncles, domestic partners “Your immediate family can become members as well, including: Grandparents Parents Spouses Siblings Most extended family are also eligible to join, including stepchildren, grandchildren, half-brothers, half-sisters, aunts, uncles, and domestic partners of members.” > [source ↗](https://www.oregonstatecu.com/join-us/) - Family member (Grandparents, Parents, Spouses, Siblings, stepchildren, grandchildren, half-brothers, half-sisters, aunts, uncles, domestic partners) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Oregon State Credit Union? Yes No ## Work at Oregon State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Oregon State Credit Union ranks against Oregon peers. - See which AI assistants fetched Oregon State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oregon - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=oregon-state&state=oregon&code=OR&name=Oregon%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Oregon State Credit Union offer? Oregon State Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Oregon State Credit Union rates updated? RateAPI verifies Oregon State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Oregon State Credit Union's rate data? Rate data is collected directly from Oregon State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Oregon State Credit Union's mortgage rate? As of November 12, 2026, Oregon State Credit Union offers a 30-year fixed mortgage at 7.172% APR. ### Who can join Oregon State Credit Union? Oregon State Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Oregon State Credit Union, each quoted from Oregon State Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Oregon State Credit Union's rates against national credit-union benchmarks. [More Oregon credit unions](https://rateapi.dev/credit-unions/oregon) [Oregon mortgage rate leaders](https://rateapi.dev/mortgage-rates/oregon) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.oregonstatecu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Oregon State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oregon credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Oregon State Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /oregon-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Oregon State Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oregon/oregon-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp