# Rogue Credit Union > Rogue Credit Union is a member-owned financial cooperative serving Oregon, > Western Idaho, and Northern California, offering personal banking, business > banking, lending, investment services and financial education services with > a focus on competitive rates and community impact. Following a 2025 > partnership with Member's 1st Credit Union, Rogue Credit Union has expanded > its membership and service footprint across the Northern California area. ## About Rogue Credit Union - [About Rogue Credit Union](https://www.roguecu.org/): Community-focused, member-owned credit union offering banking, lending, and financial services. - [Join Rogue Credit Union](https://www.roguecu.org/new-members): Membership eligibility requirements, benefits, and how to open an account. - [Annual Meeting & Reports](https://www.roguecu.org/about-us/about-rogue/annual-meeting-and-reports): Annual meeting details, financial reports, and member updates. - [Q4 2025 Highlights](https://www.roguecu.org/about-us/newsroom/q4-2025-quarterly-press-release): Rogue Credit Union's Q4 2025 financial performance and community achievements. - [Merger with Members 1st Credit Union](https://www.roguecu.org/about-us/rcu-m1cu-stronger-together): Details on the Rogue and Members 1st Credit Union merger and expanded member benefits. - [Contact Rogue Credit Union](https://www.roguecu.org/contact): Contact information, branch locations, and member support. - [Agreements and Disclosures](https://www.roguecu.org/agreements-and-disclosures): Member agreements, privacy policies, and account disclosures. ## Personal Banking - [Checking Accounts](https://www.roguecu.org/personal-services/personal-deposit-accounts/checking): Checking account options including MyRewards and direct deposit. - [MyRewards Checking](https://www.roguecu.org/personal-services/personal-deposit-accounts/checking/myrewards-checking): High-yield rewards checking account with earnings based on member activity. - [Savings Accounts](https://www.roguecu.org/personal-services/personal-deposit-accounts/savings): Personal savings accounts with no minimum balance requirements. - [Money Market Accounts](https://www.roguecu.org/personal-services/personal-deposit-accounts/money-market): Flexible money market accounts offering high dividends and easy access. - [Certificates (CDs)](https://www.roguecu.org/personal-services/personal-deposit-accounts/certificates): High APY share certificates with flexible term options. - [Debit Cards](https://www.roguecu.org/personal-services/personal-deposit-accounts/checking/debit-cards): Rogue debit card features, controls, and account management tools. - [Direct Deposit](https://www.roguecu.org/personal-services/personal-deposit-accounts/checking/direct-deposit): How to set up direct deposit for faster paycheck access. - [Overdraft Protection](https://www.roguecu.org/personal-services/overdraft-protection-and-courtesy-pay): Overdraft protection and courtesy pay options explained. ## Rogue Rewards & Member Benefits - [Rogue Rewards Programs](https://www.roguecu.org/personal-services/rogue-rewards): Overview of Rogue's member loyalty and ownership rewards programs. - [Benefits of Ownership](https://www.roguecu.org/personal-services/rogue-rewards/benefits-of-ownership): Member-focused benefits including personalized financial services and earnings. - [Rogue Rewards Loyalty Program](https://www.roguecu.org/personal-services/rogue-rewards/rogue-rewards-loyalty-programs): Exclusive loyalty rewards and savings for active Rogue members. - [Ownership Account](https://www.roguecu.org/personal-services/rogue-rewards/ownership-account): High-yield savings account that rewards members for participation. ## Online & Mobile Banking - [Online Banking Services](https://www.roguecu.org/personal-services/online-banking-services): Overview of digital banking tools including bill pay, statements, and transfers. - [Mobile Banking App](https://www.roguecu.org/personal-services/online-banking-services/mobile-banking-app): Manage accounts, transfer funds, and bank anywhere with the Rogue mobile app. - [Zelle® Money Transfers](https://www.roguecu.org/personal-services/online-banking-services/zelle): Fast, secure person-to-person money transfers via Zelle® through Rogue. - [Online Statements](https://www.roguecu.org/personal-services/online-banking-services/online-statements): Paperless account statements accessible anytime through online banking. - [Card Controls](https://www.roguecu.org/personal-services/card-controls): Tools to lock, unlock, and manage debit and credit card transactions. - [Express Teller Machines](https://www.roguecu.org/personal-services/express-teller-machines): Convenient in-branch transactions with personalized teller machine service. ## Personal Lending - [Auto Loans](https://www.roguecu.org/lending/auto-loans): Competitive auto loan rates for new and used vehicle purchases. - [Auto Leasing](https://www.roguecu.org/lending/auto-loans/auto-leases): Flexible leasing options for new and used vehicles. - [Recreational Loans](https://www.roguecu.org/lending/recreational-loans): Loans for boats, RVs, motorcycles, and other recreational vehicles. - [Credit Cards](https://www.roguecu.org/lending/credit-cards): Low-rate credit cards with rewards options and no annual fees. - [Visa Signature Rewards Card](https://www.roguecu.org/lending/credit-cards/visa-signature-rewards): Earn up to 4% cash back with Rogue's Visa Signature Rewards card. - [Personal Loans](https://www.roguecu.org/lending/personal-loans): Personal loans for unexpected expenses, debt consolidation, and more. - [Mortgage Services](https://www.roguecu.org/lending/mortgage-services): Home purchase loans, refinancing, and home equity options. - [Home Loans](https://www.roguecu.org/lending/mortgage-services/home-loans): Variety of home loan programs with expert guidance from local MLOs. - [Home Equity Loans](https://www.roguecu.org/lending/mortgage-services/home-equity-loans): Tap into home equity for improvements, expenses, or debt consolidation. ## Business Banking - [Business Deposit Accounts](https://www.roguecu.org/business/business-deposit-accounts): Overview of business checking, savings, money market, and certificate accounts. - [Business Checking Accounts](https://www.roguecu.org/business/business-deposit-accounts/checking): Business checking accounts with features tailored for local businesses. - [Business Savings Accounts](https://www.roguecu.org/business/business-deposit-accounts/savings): Competitive savings accounts with low fees for business members. - [Business Money Market](https://www.roguecu.org/business/business-deposit-accounts/money-market): High-yield business money market account with check-writing capabilities. - [Business Certificates](https://www.roguecu.org/business/business-deposit-accounts/certificates): Higher-dividend certificate accounts for business members. - [Nonprofit Accounts](https://www.roguecu.org/business/business-deposit-accounts/nonprofit-accounts): Fee-free accounts with competitive interest rates for nonprofit organizations. - [Association Accounts](https://www.roguecu.org/business/business-deposit-accounts/association-accounts): Affordable accounts for community associations and organizations. - [Small Business Loans](https://www.roguecu.org/business/small-business-loans): Financing options including term loans and lines of credit for small businesses. - [Commercial Loans](https://www.roguecu.org/business/commercial-loans): Commercial real estate and business lending solutions. - [Treasury Management](https://www.roguecu.org/business/treasury-management-solutions): Cash flow optimization, payment processing, and treasury management tools. - [Business Member Services Contact](https://www.roguecu.org/business/contact-a-business-member-service-representative): Contact business banking representatives for account and service inquiries. ## Rates & Financial Calculators - [Loan and Savings Rates](https://www.roguecu.org/rates): Current rates on loans, savings accounts, and certificates. - [Financial Calculators](https://www.roguecu.org/lending/financial-calculators): Suite of financial calculators for loans, savings, and retirement planning. - [Refinance Calculator](https://www.roguecu.org/lending/financial-calculators/refinance-calculator): Estimate potential monthly savings from refinancing your mortgage. - [Home Equity Loan Calculator](https://www.roguecu.org/lending/financial-calculators/how-much-will-my-home-equity-loan-payments-be): Calculate estimated monthly payments on a home equity loan. - [Vehicle Affordability Calculator](https://www.roguecu.org/lending/financial-calculators/vehicle-affordability-calculator): Determine how much vehicle you can afford based on your budget. - [Debt Consolidation Calculator](https://www.roguecu.org/lending/financial-calculators/debt-consolidation-calculator): Estimate monthly payments and total cost of consolidating debt. - [College Savings Calculator](https://www.roguecu.org/lending/financial-calculators/college-savings-calculator): Plan and project college savings needs over time. - [Debt vs. Savings Calculator](https://www.roguecu.org/lending/financial-calculators/debt-vs-savings-calculator): Evaluate whether to prioritize debt payoff or savings growth. ## Member Resources & Tools - [Fraud Prevention](https://www.roguecu.org/personal-services/about-fraud): Resources to identify, avoid, and report common financial fraud types. - [FICO® Score Access](https://www.roguecu.org/personal-services/your-fico-score): Free access to your FICO® credit score through Rogue online banking. - [Insurance Services](https://www.roguecu.org/personal-services/insurance): Insurance products available to Rogue Credit Union members. - [Investment Services](https://www.roguecu.org/personal-services/rogue-investment-services/investment-department-contact): Access to financial advisors and investment planning services. - [Retirement Planning (Silvur)](https://www.roguecu.org/personal-services/silvur): Free retirement planning tools and calculators for members. - [Online Learning Center](https://www.roguecu.org/personal-services/online-learning-center): Video tutorials and guides for navigating Rogue's digital banking tools. - [Member Bereavement Support](https://www.roguecu.org/personal-services/member-bereavement): Guidance and resources for managing accounts after the loss of a member. ## Youth Programs - [Youth Financial Programs](https://www.roguecu.org/personal-services/youth-program): Financial education and savings programs for children and teenagers. - [Rogue Rangers Kids Club](https://www.roguecu.org/personal-services/youth-program/rogue-rangers): Educational savings program teaching children ages 0–12 about money management. - [Rogue Climbers Teen Program](https://www.roguecu.org/personal-services/youth-program/rogue-climbers): Teen-focused banking accounts with rewards and financial education resources.