Choosing an insurance policy that addresses your needs starts with choosing the right insurance company. Travelers has been an insurance leader, committed to keeping pace with the ever changing needs of our customers, for over 160 years. As one of the nation’s largest property and casualty companies, we offer a variety of competitive policy options and packages to help ensure you get the right coverage at the right price. An independent Insurance Agent can help you create a policy that addresses your needs and budget.
At OCCU, we’re here for you now and always. We’re OCCU - a member-owned, not-for-profit financial cooperative in Oregon and Washington. People helping people. Unlike a traditional bank, our members are stakeholders. We invest in our communities. And people notice! Come grow with us.
As a member of OCCU, you have access to a wide variety of products and services to fit your life and help you thrive. Checking and savings accounts for personal or business use. Auto loans, home loans, personal loans. Investment services. Online banking. But with so many benefits and services come just as many questions. Check out our FAQ and find the answers you’re looking for. Can’t find the answer you’re looking for? Send us a secure message through MyOCCU Online & Mobile or give us a call. We’re always happy to help.
It’s International Credit Union Day! A day to celebrate the spirit of the credit union movement and the difference we make together. It’s about reaching your financial goals together, of course. But it’s also about helping our community. Since we’re achieving so much together, let’s celebrate together! How has a credit union made a positive difference in your life?
Car Insurance: Protecting You on the Road
Car insurance is designed to protect you and everyone who shares the road from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount - or “premium” - to your insurance company in exchange for a set of coverages you select. A basic car insurance policy is required for drivers in most states, although the mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific car insurance coverages and limits.
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Beyond legal requirements, carrying car insurance is a smart decision. If you cause an accident or get into one with an uninsured or underinsured driver, you may be held responsible to cover related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk. Working with an insurance representative to create a car insurance policy that addresses your individual needs and budget can protect you, your loved ones and your assets in the aftermath of an accident.
We also give you peace of mind with a claim process that is simple and stress free. It is about making the process after any incident as simple and stress-free as possible. We’re here to support our customers and their families on the road to repair and recovery every step of the way - with fast, efficient claim services and insurance specialists available 24 hours a day, 365 days a year.
You can save on your auto and home insurance when you bundle your policies with Travelers. And you can save even more with additional policies with our multi-policy discount.
Discounts on Auto Insurance
Ask your insurance representative about Travelers discounts for multiple policies. For auto insurance, where available, savings are commonly found in safe driver, multi-policy, multi-car, good student for those who qualify. Additional discounts may be available if you are insuring a new or hybrid/electric car, or own a home. How and when you pay can affect your premium, too - discounts may be available if you pay in full, by electronic funds transfer (EFT) or by payroll deduction, as well as if you pay on time.
How to Lower Your Auto Insurance
*Not all discounts are available in all states.
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Homeowners Insurance: Protecting Your Home
Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, medical bills, legal fees and more. A homeowners policy is recommended for anyone who owns a home or condo, and may even be required by your mortgage lender. In certain areas, you may need separate policies or coverage to help protect your home and personal belongings against damage due to floods, earthquakes, windstorms or hail.
Most policies have 3 key elements: the premium which is how much you pay for coverage, deductibles which are how much you’re responsible for out-of-pocket in the event of a covered Claim, and limits which are the most your insurer will pay for a covered claim.
Discounts on Home Insurance
For your home, security systems or fire protective devices, certain smart home technologies, “green” home certification, loss-free history, and more can help you save on your insurance premiums. Discounts vary by state and eligibility. Remember to ask your insurance representative about these and other incentives to ensure you are getting all the discounts for which you are eligible.
OCCU Membership: Benefits and Services
Becoming an OCCU member is easy. When you become a member of OCCU, you receive a welcome packet that includes important information about your membership, including your member ID number. You can also find your information online:
- MyOCCU Online account: When you log in to your MyOCCU Online account, click on the profile icon in the upper right corner and then select “Settings.”
- MyOCCU Online & Mobile app: On the MyOCCU Online & Mobile app, select the profile icon in the upper right corner. Then select “Settings,” and then “Profile.”
If you’re not enrolled in digital banking, you can do so here, but to complete enrollment you will need your member number.
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There are four simple ways to update your contact information: MyOCCU Online account: When you log in to your MyOCCU Online account, click on the profile icon in the upper right corner.
Key Account Features
- Primary Savings Account: Unlike banks, which are for-profit institutions that pay their profits to outside shareholders in the form of stock dividends, credit unions reinvest all their profits in ways that exclusively benefit the organization and its members. When you create a checking or savings account, you automatically become a member - and part owner - of the credit union. Your account - your initial $5 deposit - is your buy-in.
- Account Closure: You can request to close your OCCU account by contacting our team:
- Call us at 800.365.1111
- Visit your local OCCU branch.
- Send us a secure message through MyOCCU Online & Mobile.
Managing Your Finances with OCCU
Credit Card Management
- Manage your credit card in MyOCCU Online & Mobile from the comfort of your home or from your mobile device.
- Make payments from an OCCU account or an external account.
Whether your card was stolen or you simply can’t find it, a missing card requires immediate action to ensure your personal information and finances are secure. Call one of these numbers to immediately cancel your stolen card. After canceling your lost/stolen card, contact our team immediately to request a new card. You can do this via phone, secure message in MyOCCU Online & Mobile or by visiting a branch. If you visit us in-branch, we can print a new card for you immediately. After reviewing for any suspicious activity, our team will send a new card to you.
Important note: Selecting a new card design will change your card number! Select “Card Management” and hover over your credit card.
HELOC and Mortgage Payoffs
If you’re selling or refinancing your home, your HELOC payoff is a part of the final sale. The turnaround time for pay-off requests made via fax is three days (though it typically takes less than that). You can also choose to pay off the balance of your HELOC independently, without selling your home. If your mortgage is funded through OCCU, you can access your payoff amount online, or call 800.365.1111. The turnaround time for pay-off requests made via fax is three days (though it typically takes less than that). You can also choose to pay off the balance of your OCCU mortgage independently, without selling your home. (DMI), you can call 855.300.7065 for your payoff amount.
Additional Resources
- Order Checks Online: You can order checks online via your MyOCCU Online & Mobile account or by visiting OrderMyChecks.com.
- Fraud Protection:
- OCCU will not send texts that ask you to provide sensitive financial or personal information.
- Do not respond to or click on links from senders you don't know.
- When in doubt, call us directly at 800.365.1111 to get to the truth of the matter.
Community Support
We know families in our communities are facing unprecedented hardship. This week, we are distributing funds to partners across the state, and together, we can do even more. To maximize our support, the OCCU Foundation will match up to $50,000 of your contributions. Every dollar you give will be doubled, allowing us to reach twice as many families in need.
| Initiative | Details |
|---|---|
| Feeding Families Fund | Delivered more than $200,000 in nutrition support throughout the Pacific Northwest over the past two years. |
| Community Support | Funds are distributed to partners across the state to help families in need. |
Recently Social Security announced the 2025 Cost of Living Adjustment (COLA) of 2.8%. To help our members learn more about this adjustment and how they can protect their retirement from inflation, we’ve partnered with Retirement Simplified, powered by Silvur, to provide our members with details on the annual update and calculators to help you understand your benefits.
Our team returned with renewed confidence, actionable insights and a deeper sense of purpose in how they show up for their teams, their community and themselves. We can't wait to see what they do next.
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