Despite the news about financial instability in the banking industry, your Credit Union remains financially strong.

Commonly asked questions:

• Is my money safe at Oregon Territory? Yes. The National Credit Union Share Insurance Fund (NCUSIF) is managed by the National Credit Union Administration (NCUA) and federally insures your accounts to at least $100,000. IRA’s are insured separately up to $250,000.


• Is there an easy way to determine if my accounts are federally insured? Yes. To evaluate your personal share insurance coverage, visit the NCUA’s online share insurance estimator.


• Is Oregon Territory well capitalized? Oregon Territory is well capitalized. As defined by the NCUA (National Credit Union Administration) a well-capitalized credit union (sometimes called members’ equity or reserves) has at least 7% net worth. Oregon Territory’s capital ratio is 9.6%.


• Does Oregon Territory make or invest in sub-prime mortgage loans? No. Oregon Territory is not involved with sub-prime lending, either as a loan originator or as an institutional investor. Real estate lending is one of our greatest strengths. Our conservative underwriting practices have resulted in a healthy, stable and well performing mortgage portfolio. We are still lending to our members, and lending responsibly.

In Summary

Our financial strength, strong capital position and Federal share insurance means you can rest easy knowing that your money is safe at Oregon Territory Federal Credit Union. If you have any questions, please call us at any branch.