Credit union · NCUA insured
Central Willamette Credit Union
A $613.8M credit union headquartered in Albany, OR, with 37,628 members and 10 branches in Oregon. Best rates: CDs 4.16% and savings 0.85% APY.
Central Willamette Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#6 of 14 in Albany, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central Willamette Credit Union
Central Willamette Credit Union is a member-owned financial cooperative headquartered in Albany, Oregon, originally established as a state-chartered credit union in 1955.
Founded for Linn County government employees, it expanded through historical name changes and partnerships, including Laneco FCU joining in 2024.
Operating 10 branches across Oregon, CWCU provides financial services to individuals who live in 25 designated Oregon counties.
- Headquarters
- 7101 Supra Dr SW, Albany, OR 97321
- NCUA charter
- 62665
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives in 25 Oregon counties across western and central Oregon.
Cost to join
- A $5 deposit is required to start a Membership Savings account and establish membership.
Branches
10 branches in Oregon
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Oregon
10 branches
Albany area · 3
- Pacific Branch905 29th Ave SW, Albany, OR 97321Directions
- Waverly Branch645 Waverly Dr SE, Albany, OR 97322Directions
- Lebanon Branch625 N 5th St, Lebanon, OR 97355Directions
Corvallis area · 2
- North Albany Branch621 Hickory St NW, Albany, OR 97321Directions
- Corvallis Branch555 NE Circle Blvd, Corvallis, OR 97330Directions
Salem area · 2
- S Salem4093 Commercial St SE, Salem, OR 97302Directions
- Salem Branch852 Lancaster Dr SE, Salem, OR 97317Directions
Bend area · 1
- Bend Branch61535 S Highway 97, Bend, OR 97702Directions
Eugene area · 1
- Eugene Branch74 Centennial Loop # A, Eugene, OR 97401Directions
Newport area · 1
- Newport150 NE 20th St, Newport, OR 97365Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.39% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.02% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio14.39%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.02%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Central Willamette Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.