Credit union · NCUA insured
Our Community CU
Top CarrotA $640.3M credit union headquartered in Shelton, WA, with 30,609 members and 8 branches in Washington. Best rates: CDs 3.50% and savings 0.55% APY.
Our Community CU Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#1 of 10 in Aberdeen, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Our Community CU
Originally formed and chartered as Simpson Employees Federal Credit Union in 1941, the credit union later changed its name to Our Community Credit Union.
Headquartered in Shelton, Washington, Our Community CU operates eight branches across Mason, Grays Harbor, Thurston, and King Counties.
- Headquarters
- 526 W Cedar St, Shelton, WA 98584
- NCUA charter
- 68609
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone living, working, or attending school in the state of Washington can join.
Branches
8 branches in Washington
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Washington
8 branches
Shelton area · 3
- Main BranchMain office526 W Cedar St, Shelton, WA 98584Directions
- Mt View Branch2948 Olympic Hwy N, Shelton, WA 98584Directions
- Union Branch320 E Dalby Rd, Ste A, Union, WA 98592Directions
Aberdeen area · 3
- Elma Branch306 S 7th Street, PO Box 618, Elma, WA 98541Directions
- McCleary Branch424 W Simpson Ave, McCleary, WA 98557Directions
- Montesano Branch211 E Pioneer Ave STE B, Montesano, WA 98563Directions
Olympia area · 1
- Steamboat6541 Sexton Dr NW Ste 103, Olympia, WA 98502Directions
Seattle area · 1
- Vashon Island Branch9710 SW Bank Rd, PO Box 1529, Vashon, WA 98070Directions
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 | 12.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $41 | $76 | — |
- CapitalNet worth ratio12.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$41Peers’ 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 Our Community CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.