Welcome to Oak Trust Credit Union

As a not-for-profit financial cooperative, owned and operated for the members, you’re more than an account number – you are part of the Oak Trust family! Since there are no stockholders to pay, we are able to offer higher dividend rates on deposit accounts and charge lower rates on loans. Additionally, we offer a full range of convenient low-cost financial services that fit your lifestyle.


Transfer Your Card Balances and Save Big!


Make the switch to an Oak Trust VISA®!

Do you have outstanding credit card balances with another financial institution? Looking for a credit card with a lower interest rate? Oak Trust can help! Right now we are offering 2.99% APR* for 12 months when you transfer your balance to an Oak Trust VISA® credit card. Make the switch to savings! To get started, call us today at (800) 232-6728, download an application or apply online. A representative will be contacting you in the next few days regarding this exciting, limited-time offer. Thank you for choosing Oak Trust Credit Union!

* APR = Annual Percentage Rate. Promotional balance transfer rate of 2.99% for 12 months will revert to qualified rate after promotional period. No balance transfer fee. Offer open to new money only for new and existing Oak Trust Visa Platinum Cardholders. Offer only valid on balance transfers from other cards outside Oak Trust Credit Union.

Is Your Big Bank Meeting Your Small Business Needs?

Corporate-small-businessChoosing a bank for your small business involves more than just opening a new account at your personal bank or picking the branch office nearest your company. You need to understand what services you require and how much they cost.

At member owned Oak Trust Credit Union, you are more than an account number; you are a member of our community. While many large banks claim be invested in your future, the truth is, they are only interested in the profits they can bring to their shareholders. A larger profit for them translates to higher costs for you in the form of fees and lower interest earnings on your checking and savings accounts. We report to no one but our members, allowing us to offer highly competitive rates and no add on fees for our members.

With Oak Trust servicing your small business needs, you get face-to-face service; no waiting on hold to finally get a “real” person. In addition to three local branches, we also belong to CO-OP ATM Network and CO-OP Shared Branching, meaning we have joined forces with other credit unions to give our members the kind of financial convenience traditionally available only from big banks. All with the savings and personal service you expect from a credit union.

You’re in business to make money. Oak Trust Credit Union can help you keep your bottom line healthy without sacrificing any features or services. Come talk with us and let us help you develop a plan for a solid business future. Check us out online (http://www.oaktrust.com/) or give us a call at 800-232-6728.


Don’t Get Caught in the Christmas Debt Trap!

christmas-debtGet off the fast track to Holiday stress. With a Christmas savings account and Oak Trust’s credit management tools, you can not only pay off your existing debt, but you can have a debt free Christmas next year! Follow these simple steps, and you can actually make money instead paying interest.

  1. Open an Oak Trust Club Savings account.  This account gives you the same great features as our regular savings account, but allows you to separate funds for a specific need. You can start with only $5!
  2. Set a budget. Christmas doesn’t need to be a spend-a-thon. Christmas budgeting is just like regular budgeting: it’s deciding ahead of time, on paper, how much you can spend, and how you are going to spend it. Keep the spirit of the season in mind and avoid the gift giving one-upmanship.
  3. Beware of shopping online. Save your searches for items you really want. Create a wish list, a watch list, and even a list of favorite sellers. There is some delayed gratification involved in this strategy because you won’t get what you want right away, but this way you’ll be able to catch the best deal when and if it becomes available.
  4. Plan for hidden Holiday expenses. Those dishes of treats, or that new outfit for the Holiday party are expenses often overlooked.

The holidays are a joyous time. Your financial journey in 2014 will be much brighter if you don’t have Christmas credit card bills to contend with. A little trimming and adjustments to your daily activities can produce enough savings to kiss credit cards good-bye for the next holiday season. Oak Trust Credit Union is here to help you every step of the way. Come in today, we will be happy to get you started. Visit us online to view al our services at www.oaktrust.com.



Smart, Simple Mortgage Solutions

FREE VISA Balance Transfers