Rogue Credit Union

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.

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

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

• Retail banking services
• Consumer lending products
• Mortgage and home equity loans
• Credit union deposits
• Small business banking

Headquarters

HQ city

Medford

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. Deposit Products: Checking, savings, certificates, and money market accounts. Revenue generated through spread between interest paid on deposits and interest earned on loans.
3. Fee-based Services: Various account fees, transaction fees, and service charges. Also includes insurance products through TruStage and Rogue Investment Services.
4. Protection Products: GAP (Guaranteed Asset Protection) and debt protection products offered alongside loans to protect members and generate income.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core 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

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• Members 1st Credit UnioncoreStrategic or Co-development Partner · 20 March 2025Merger 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.
• AsantecoreOthersChildren'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 HospitalsupportingOthersChildren'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 CentersupportingOthersChildren's Miracle Network hospital partner in Springfield, Oregon. Part of Rogue's charitable giving to support pediatric care.
• UC Davis Children's HospitalsupportingOthersChildren's Miracle Network hospital partner in Sacramento, California. Added through expansion following merger with Members 1st Credit Union.
• Sallie MaesupportingTechnology or IntegrationStudent 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) ProgramsupportingStrategic or Co-development PartnerFree 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 MedfordsupportingGTM or Marketing PartnerLocal radio station partner for Teacher of the Week program celebrating outstanding educators in the Rogue service area for 15 years.
• AutoSmart (CUDL)supportingTechnology or IntegrationCredit 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

Others

• JPMorgan Chase:

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

• YouTubeyoutube.com/user/RogueCreditUnion
• Facebookfacebook.com/RogueCreditUnion
• LinkedInlinkedin.com/company/rogue-credit-union
• Instagraminstagram.com/roguecreditunion
• Xx.com/RogueCU1956

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rogue Credit Union