Oshkosh Community CU boasts a truly great checking account service. When other financial institutions make you pay to have a checking account with them, it’s time to check into a Oshkosh Community CU checking account.

Sign up for overdraft protection and protect yourself from bouncing a check. You might also need to borrow an extended amount of money. Overdraft Protection allows transfers from savings or accesses a line of credit. It silently waits for your activation when you need it most.


  • No Monthly Fees
  • No Minimum Balance
  • Overdraft Protection Available

Whether it’s a lifelong dream or a weekend getaway, OCCU offers a variety of great savings options to help you get there. They’re all NCUA-insured, so you know your money is safe.


Our savings accounts let you earn competitive interest rates while keeping your money totally liquid so you can get to it when you need it.

We offer:

  • ACH Deposits
  • Payroll Deduction
  • Direct deposit
  • Christmas, Vacation, and Back-to-School clubs
  • 24 Hour voice response system
  • Share certificates with attractive rates
  • IRA accounts ROTH and Educational IRA’s
  • Regular shares with a low $25 minimum balance. To earn dividends, a savings account must maintain a minimum balance of $100.00.
  • Your savings federally is insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Services and Costs

Service Cost
Money Orders Member: $2.00, Nonmember: $5.00
Check Copy (each) $2.00
Account Research $25.00 per hour (minimum one hour)
Coin Counting Member: FREE, Nonmember: 10% of total
Account Printout $2.00 per month
VISA® Credit or Debit Card Replacement $10.00
PIN Reminder FREE
Incorrect Address $5.00
Dormant Account (after 1 year with account balance below $500.00) $5.00 per month
Levy $25.00 per month
Club Account Early Withdrawal $10.00 per instance
Incoming Wire $9.00
Outgoing Domestic Wire $16.00
Notary Member: FREE, Nonmember: $2.00
Overdraft (pay or return) $25.00 per item
Overdraft Transfer $8.00 per month
Returned Deposit Item $10.00
Stop Payment $25.00
Below Minimum Savings Balance $5.00 per instance
Debit Card Reinstatement $5.00
Telephone Inquiries $2.00
Bill Pay Non-Use (after 3 months) $5.00 per month


Dividend Share Draft:


  • Earn dividends on the money in your checking account
  • No monthly fee
  • No minimum balance
  • E-statements
  • Easy to switch from your current checking!

Student Share Draft:


  • 14-17 years of age with a qualified guardian
  • No monthly fee
  • No minimum balance
  • Online banking
  • E-statements
  • Kwik Cash loan for overdraft protection
  • Free check card