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    First Federal

    5.0 (1 review)
    Closed 9:00 am - 5:00 pm

    Services - First Federal

    Personal banking

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    8 months ago

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    Oregon State Credit Union

    Oregon State Credit Union

    (81 reviews)

    I am a member and applied for a new unsecured loan. I did not have to talk with one person. I did…read moreall online and email. It was an excellent experience. ​

    My husband and I were long-time on-time members at this bank. When we moved out of town, we…read moreswitched credit unions as OSCU is not close to the town we now live. While trying to get a mortgage in late 2025 I discovered a severely delinquent 25-month past due balance of $331 on my credit report from OSCU, dropping our credit substantially from 800+ to 640. The credit union did not do their due diligence to notify us of the past due amount. They claim they sent a letter in the mail (our old address and after forwarding services had ceased) and that they simply "dont have the time" to make any more effort to alert their members of past due balances. They did not attempt to contact me through any other channel and they never sent the debt to collections to be paid. The National Credit Union Administration explicitly states that institutions must have reasonable policies for member notifications, using all available contact channels (mail, phone, email) and account records to attempt outreach before reporting, particularly for small or first-time delinquencies. It is clear to me that Oregon State Credit Union does not care about their members, and they do not fulfill their responsibility to provide notice of issues. I have called several times and have been reassured by the staff that this will go away from my credit after 7 years. Totally unreasonable. It is not acceptable for long standing on-time members to pay the consequences for their failure to perform due diligence. Upon discovery, I attempted to pay this debt immediately but Oregon State Credit Union would not allow me to pay on the phone and required we bring a cashiers check or other guaranteed fund in person to pay. This was not a reasonable option as we live an hour or more away from the closest Oregon State Credit Union. I was able to pay this debt when I called back in March 2026 and was finally able to pay over the phone. You need to close your doors if you can't modernize and if you do not have the proper staffing to make good faith and reasonable attempts for payment.

    First Federal - banks - Updated May 2026

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