Credit union · NCUA insured
Old West FCU
A $320.5M credit union headquartered in John Day, OR, with 15,720 members and 9 branches in Oregon. Best rates: CDs 3.50% and savings 0.30% APY.
Old West FCU Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#5 of 8 in Hermiston, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Old West FCU
Originally chartered in 1957 to serve employees of the Hines Lumber Company in Bates, Oregon, Old West Federal Credit Union today serves eight eastern Oregon counties.
The credit union specializes in long-term agricultural real estate lending, processing more Farmer Mac loans than any other depository institution in Oregon.
- Headquarters
- 650 W Main St, John Day, OR 97845
- NCUA charter
- 12012
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This may be incomplete or out of date, so check with the credit union before you apply.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, works, owns property, or worships in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Family and household
- Membership is open to anyone who has an immediate family member residing in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Cost to join
- Establish membership by opening a personal savings account with a minimum deposit of $5.
Branches
9 branches in Oregon
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Oregon
9 branches
Hermiston area · 2
- Hermiston Branch1739 N 1st St, Hermiston, OR 97838Directions
- Pendleton Branch301 S Main St, Pendleton, OR 97801Directions
La Grande area · 2
- La Grande Branch3 Depot St, La Grande, OR 97850Directions
- Union Branch539 S Main St, Union, OR 97883Directions
John Day area · 1
- John Day BranchMain office650 W Main St, John Day, OR 97845Directions
Baker City area · 1
- Baker City Branch2036 Broadway St, Baker City, OR 97814Directions
Burns area · 1
- Burns Branch937 Oregon Ave, Burns, OR 97720Directions
Enterprise area · 1
- Enterprise106 SW 1st St, Enterprise, OR 97828Directions
Prairie City area · 1
- Prairie City Branch162 NW Front St, Prairie City, OR 97869Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.38% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio11.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ 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 Old West FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.