Borrow Safe, Borrow Smart
Oregonians Credit Union is committed to helping our young adult members achieve financial independence. We offer our Young Oregonians great opportunities to finance all your "firsts." But we also want you to know what you’re getting into when you make the decision to borrow money. The Young Oregonians site is here to provide you with resources to learn more about your options.
Learn more about different types of loans and credit scores
Auto Loan
Buying your first car is exciting, but can also be a little scary. After all, a car is one of the most expensive purchases you'll ever make.
Oregonians Credit Union has the tools and resources you need to make buying a car easy, affordable and even more enjoyable. From preparing for your first car to getting your first car loan, OFCU can help you with the entire process. We'll walk you through each step you need to consider before signing on the dotted line.
Credit Score
Your credit score is one of the most important assets you have. A good credit score can save you money on loans and insurance premiums. Learn about credit scores, and how you can improve your credit score.
Visit AnnualCreditReport.com to obtain a free credit report once a year.
Visa Credit Card
Our Visa® Credit Card is a way for you to start building credit responsibly.
We encourage students to use their credit card for small necessities they have previously budgeted for or for emergencies. Using a credit card builds your credit history. Having good credit history can help you down the road with vehicle and home purchases, without the need for a co-signer.
The Oregonians Credit Union credit card offers you:
- Low fixed rate
- No annual fee
- No transaction fee
- 25 day grace period on new purchases
- View account activity online
Learn more about credit cards or apply for our Visa Credit Card
Home Loan
Buying a house is probably one of the biggest purchases you will ever make—so it’s important to inform yourself about your mortgage (home loan) options.
Owning a home is the American Dream, but the process of actually finding your dream house, as well as figuring out how to finance it, can often cause stress. At Oregonians CU, we've helped many members become homeowners, and now we're ready to help you.
Loan Calculators
Oregonians Credit Union's financial calculators provide you with the tools to make important financial decisions and reach your financial goals. Research mortgage terms, auto loans, debt payment options and personal savings with our financial calculators below.
