Rogue Credit Union
Rogue Credit Union is a member-owned, not-for-profit financial cooperative serving 242,000+ members across Oregon, Idaho, and Northern California through deposit accounts, consumer and commercial lending, credit cards, and retirement planning, with $4.29 billion in total assets as of Q1 2026.
- Company typePrivate
- Founded1956
- HeadquartersMedford, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Rogue Credit Union does
Rogue Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Medford, Oregon, founded in 1956 by ten teachers. The credit union serves 242,000+ members across Oregon, Idaho, and Northern California through 27+ full-service branches, supported by Express Teller Machines with Live Video Teller capability, online and mobile banking, and an integrated AutoSmart vehicle shopping platform. Total assets stood at $4.29 billion as of Q1 2026, with a $2.56 billion loan portfolio and a 10.28% net worth ratio that materially exceeds the 7.00% NCUA well-capitalized threshold. Members include individuals, businesses, youth (Rogue Rangers Kids Club, Student Branch Program in high schools), and retirees (Silvur program launched Q1 2026). The credit union maintains NCUA-insured deposits, NMLS licensure (NMLS# 776623), Equal Housing Lender status, and documented CCPA compliance.
Rogue Credit Union firmographics
Firmographics- Name
- Rogue Credit Union
- Legal name
- Rogue Credit Union
- Website
- https://roguecu.org
- Company type
- Private
- Founded year
- 1956
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Rogue Credit Union is a member-owned, not-for-profit financial cooperative serving 242,000+ members across Oregon, Idaho, and Northern California through deposit accounts, consumer and commercial lending, credit cards, and retirement planning, with $4.29 billion in total assets as of Q1 2026.
- Ownership category
- akta.pro rank
Rogue Credit Union industry classification
Industry- Product category
- Retail Banking (Credit Union)
- NAICS
- Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210), Depository Credit Intermediation (5221)
- SIC
- Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Rogue Credit Union is headquartered
LocationHeadquarters
- HQ city
- Medford
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Rogue Credit Union business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Products: Interest income from consumer loans including auto loans, home loans/mortgages, personal loans, credit cards, business loans, and commercial loans. Revenue generated through interest charged on outstanding loan balances.
- Deposit Products: Checking, savings, certificates, and money market accounts. Revenue generated through spread between interest paid on deposits and interest earned on loans.
- Fee-based Services: Various account fees, transaction fees, and service charges. Also includes insurance products through TruStage and Rogue Investment Services.
- Protection Products: GAP (Guaranteed Asset Protection) and debt protection products offered alongside loans to protect members and generate income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Loans - Rates starting at 4.49% APR |
| Subscription | Monthly | Home Loans - Rates starting at 5.67% APR |
| Subscription | Monthly | Credit Cards - Rates starting at 13.00% APR |
| Subscription | Monthly | MyRewards Checking - Up to 3.00% APY |
| Subscription | Monthly | Visa Signature Rewards - Up to 4% cash back |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Rogue Credit Union product offering
Product offeringCore offering
Rogue Credit Union is a member-owned, not-for-profit financial cooperative that provides retail and small-business banking services including deposit accounts (checking, savings, money market, certificates), consumer loans (auto, mortgage, home equity, personal, recreational, student), credit cards, business banking, treasury management, investment services, and insurance to individual members and businesses across Oregon, Idaho, and Northern California.
Product overview
Rogue Credit Union operates as a member-owned, not-for-profit financial cooperative offering a comprehensive suite of banking and lending products organized across personal banking, business banking, and lending divisions. The core banking platform centers on deposit accounts (checking, savings, certificates, money market) with flagship offerings including MyRewards Checking and MyMoney Market accounts launched in Q3 2025. Lending products span consumer categories (auto, home/mortgage, home equity, personal, recreational, student loans via Sallie Mae partnership) and business categories (small business loans, commercial loans, treasury management). The credit union differentiates through loyalty programs (Rogue Rewards with Ownership Account), youth programs (Rogue Rangers Kids Club, Rogue Teen Climbers), and community initiatives (Student Branch Program, CU at Work). Digital delivery includes online banking with Zelle, Express Teller Machines with live video tellers, and an integrated AutoSmart vehicle shopping platform. Recent expansions include the Silvur retirement program (Q1 2026) and Visa Signature Rewards credit card (Q4 2025).
Differentiator
Problem solved
Functional benefit
Brands
- Rogue Rangers: Youth program for children 12 and under that teaches healthy financial habits through activities and events. Features savings accounts that earn interest.
- Rogue Teen Climbers
- MyRewards Checking
- MyMoney Market
- Ownership Account
Products and services
- MyRewards Checking High-yield consumer checking account offering up to 3.00% APY on the first $1,000 balance, exclusive rebates, and rewards on everyday transactions, subject to monthly qualification requirements including minimum deposits, transaction counts, and paperless statements.
- MyMoney Market High-yield money market savings account offering competitive rates on deposited funds with limited check-writing privileges for consumer members.
- Ownership Account Member ownership/share account that establishes credit union membership, earns dividends, and represents the member's stake in the cooperative, with excess earnings shared through the Rogue Rewards loyalty program.
- Auto Loans Vehicle financing for new and used automobiles including competitive rates starting at 4.49% APR, auto leases, and first-time buyer programs, integrated with AutoSmart for online vehicle shopping and TruStage Insurance for protection products.
- Home Loans / Mortgages Residential mortgage lending including purchase and refinance options with competitive rates starting at 5.67% APR (with up to 1.25% rate discount), supported by dedicated loan officers and local decision-making.
- Home Equity Loans Lines of credit and term loans secured by home equity for renovations, debt consolidation, or major purchases.
- Credit Cards (Visa) Portfolio of Visa credit cards including Classic, Platinum, Student Silver, and Signature Rewards (up to 4% cash back), with variable rates based on creditworthiness starting at 13.00% APR.
- Personal Loans Unsecured loans for debt consolidation, major purchases, and unexpected expenses with competitive rates.
- Recreational Loans Specialized financing for recreational vehicles including boats, motorcycles/ATVs, and RVs/motorhomes/travel trailers.
- Student Loans (Sallie Mae Partnership) Private student loans provided through a Sallie Mae partnership for education expenses not covered by scholarships and federal loans.
- Business Deposit Accounts Business checking, savings, certificates, money market, nonprofit, and association accounts designed for business banking needs with competitive rates and business-focused features.
- Small Business Loans Business credit facilities including lines of credit, Business Visa credit cards, and vehicle/equipment loans tailored for small business financing needs.
- Commercial Loans Comprehensive commercial lending including lines of credit, real estate loans, equipment financing, and term loans for larger business borrowing needs.
- Treasury Management Solutions Cash management services for businesses including payment processing, digital services, and financial tools to optimize business cash flow.
- Investment Services Financial advisory and investment services offered to help members with retirement planning, wealth management, and investment strategies.
- Insurance Insurance products including TruStage coverage for vehicles and other protection products to complement lending offerings.
- Silvur (Retirement Simplified) Retirement planning support program launched in Q1 2026 providing tools and resources for Social Security decisions, identity protection, and comprehensive financial planning for members approaching or in retirement.
- Express Teller Machines Interactive teller machines providing extended-hours access to live video tellers for deposits, withdrawals, loan payments, and most branch transactions from the drive-through.
- Vehicle Auctions Online marketplace for pre-owned vehicles repossessed or traded in to the credit union. Vehicles undergo safety/mechanical inspection and are available for online bidding with financing available.
Quantifiable outcome
- 95% increase in GAP income and 63% increase in debt protection income following SalesCU training
- +2 more outcomes
Companies that use Rogue Credit Union
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles2 records
Rogue Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
Rogue Credit Union partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and supporting.
- Members 1st Credit UnioncoreMerger partnership combining two respected credit unions. Pending NCUA and state regulatory approval. The combined entity will serve 236,000 members with 28 full-service branches. Merger completed in late 2025 with full system merger in 2026. Expands Rogue's presence into Northern California with five branches in Redding, Chico, and Anderson.
- AsantecoreChildren's Miracle Network hospital partner in Medford, Oregon. Rogue Credit Union has partnered with Asante for three decades, raising hundreds of thousands of dollars for pediatric care at the Olsrud Family Women's and Children's Hospital.
- St. Luke's Children's HospitalsupportingChildren's Miracle Network hospital partner in Boise, Idaho. Part of Rogue's Change a Child's Life Week fundraiser benefiting local children's hospitals.
- PeaceHealth Sacred Heart Medical CentersupportingChildren's Miracle Network hospital partner in Springfield, Oregon. Part of Rogue's charitable giving to support pediatric care.
- UC Davis Children's HospitalsupportingChildren's Miracle Network hospital partner in Sacramento, California. Added through expansion following merger with Members 1st Credit Union.
- Sallie MaesupportingStudent loan provider partnership offering education financing options for expenses not covered by scholarships and federal loans. Provides competitive rates and payment options for members' educational needs.
- IRS Volunteer Income Tax Assistance (VITA) ProgramsupportingFree tax assistance program offered in partnership with Jackson County United Way and Teresa McCormick Center. Team members prepared over 740 tax returns securing over $1 million in refunds for the community in 2025.
- KOOL 103.5 MedfordsupportingLocal radio station partner for Teacher of the Week program celebrating outstanding educators in the Rogue service area for 15 years.
- AutoSmart (CUDL)supportingCredit Union Direct Lending platform for online vehicle shopping and financing. Allows members to shop for vehicles online, get pre-approved, and complete the purchase with Rogue financing.
Scale indicators16 records
Recent moves10 records
Expansion highlights6 records
Rogue Credit Union competitors and assessment
Company assessmentOthers
Direct peers
- SchoolsFirst Federal Credit Union: California-based credit union originally founded by teachers, mirroring Rogue's educator origins; serves school employees and expanded community members across Southern California with similar full-service banking, community focus, and member-owned structure.
- Northwest Community Credit Union: Eugene, Oregon-based community credit union with similar charter type, member segments, and personal/business banking products, serving many of the same Southern Oregon markets as Rogue.
- Selco Community Credit Union: Eugene, Oregon-based community credit union of similar size with overlapping member segments, branch footprint, and full personal/business banking services. Closely comparable in product mix and regional focus.
- BECU: Washington State-based credit union (formerly Boeing Employees Credit Union), one of the largest US credit unions ($30B+ assets), operating in adjacent Pacific Northwest geography with similar member-owned structure, full-service consumer/business banking, and similar community-investment emphasis.
- First Technology Federal Credit Union: Oregon/Washington-based tech and healthcare-employer-focused credit union of comparable size ($15B+ assets), offering similar consumer/business products and digital banking experience; competitor for the same Pacific Northwest talent and member pool.
- OnPoint Community Credit Union: Oregon-headquartered community credit union of comparable scale (~600k+ members, $9B+ assets), serving similar Pacific Northwest geographies with full-service consumer and business banking. Most direct regional competitor to Rogue.
- Oregon State Credit Union: Corvallis-based Oregon state-chartered credit union serving members across Oregon with similar deposit, lending, and community-investment models. Directly comparable member-owned cooperative in the same primary geography.
Regional players
- America First Credit Union: Utah-headquartered large credit union ($20B+ assets) with similar member-owned cooperative model and broad consumer/business banking services, but operating primarily in a different geographic footprint (Mountain West, not Pacific NW).
Broad incumbents
- U.S. Bancorp: Minneapolis-based national bank with significant retail branch presence across Oregon, Idaho, and California — directly overlapping Rogue's geography and competing for the same consumer and small-business deposits, loans, and credit cards at scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Rogue Credit Union social profiles
Digital presenceRogue Credit Union compliance and trust
Trust signalCompliance5 records
Rogue Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rogue Credit Union leadership team
Management profileNumber of profiles
Profiles7 records
Rogue Credit Union subsidiaries and ownership
Company hierarchySubsidiaries3 records
Rogue Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rogue Credit Union M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Rogue Credit Union
What does Rogue Credit Union do?
Rogue Credit Union is a member-owned, not-for-profit financial cooperative that provides retail and small-business banking services including deposit accounts (checking, savings, money market, certificates), consumer loans (auto, mortgage, home equity, personal, recreational, student), credit cards, business banking, treasury management, investment services, and insurance to individual members and businesses across Oregon, Idaho, and Northern California.
Is Rogue Credit Union a public or private company?
Rogue Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Rogue Credit Union founded?
Rogue Credit Union was founded in 1956. It employs 251 to 500 people.
Where is Rogue Credit Union based?
Rogue Credit Union is headquartered in Medford, United States, in the North America region.
How does Rogue Credit Union make money?
Four revenue lines are on record. Loan Products are the primary driver. The others are deposit Products, fee-based Services and protection Products.
Who are Rogue Credit Union's main competitors?
JPMorgan Chase is listed as an others. Direct peers are SchoolsFirst Federal Credit Union, Northwest Community Credit Union, Selco Community Credit Union, BECU, First Technology Federal Credit Union, OnPoint Community Credit Union and Oregon State Credit Union. America First Credit Union is listed as a regional player. U.S. Bancorp is listed as a broad incumbent.
Does Rogue Credit Union have an API?
No public API is recorded for Rogue Credit Union.
What industry is Rogue Credit Union in?
Rogue Credit Union's product category is Retail Banking (Credit Union). Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 52213 and its SIC code is 6035.