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 $5.00 minimum balance. To earn dividends, a savings account must maintain a minimum balance of $100.00.
  • This credit union is federally insured by the National Credit Union Administration.

Services and Costs/ General Account Fees (Effective October 1, 2022)

Service Cost
Money Orders $2.00 each
Check Copy $2.00 each
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 $2.00
Returned Mail due to incorrect address $5.00
Dormant Account (after 12 months of no activity with a balance of less than $500) $5.00 per month
Levy $25.00
Club Account Early Withdrawal $10.00 per withdrawal
Notary Member: FREE, Nonmember: $5.00
Overdraft/NSF (paid or return) $25.00 per item
Overdraft Transfer (savings or Kwik Cash) $8.00 per day
Returned Deposit Item $10.00 per deposited item
Stop Payment $25.00 per stop payment request
Below Minimum Savings Balance $3.00 per item
Debit Card Reinstatement $5.00
Telephone Inquiries $2.00 each
Bill Pay (after 3 months of no activity) $5.00 per month
Closed Share Draft without returning supply of unused checks and/or debit card $35.00
Member Check Cashing Fee $0.00 if a minimum of $100 is maintained in account; 1% of check amount ($3.00 min) if less than $100 is maintained in account
Share Closing (if before 90 days) $5.00


Dividend Share Draft:


  • Earn dividends on the money in your checking account
  • No monthly fee
  • No minimum balance
  • and E-statements
  • Overdraft Protection
  • 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
  • and E-statements
  • Kwik Cash loan for overdraft protection
  • Free check card