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Beware of Scams. Members have reported scammers using spoofed text messages and phone calls that appear to be from O Bee Credit Union employees trying to get members to share sensitive information to gain access to their accounts.

Remember, O Bee will NEVER initiate contact and request your card number, online banking credentials, or one-time passcodes over the phone, via email, or by text, or ask you to transfer funds. If someone asks you for this information, end the call and reach out to us directly at 360-943-0740. You can also shut off your card at any time in your Online Banking. Click to learn more. Beware of Scams. Members have reported scammers using spoofed text messages and phone calls that appear to be from O Bee Credit Union employees trying to get members to share sensitive information to gain access to their accounts.

Remember, O Bee will NEVER initiate contact and request your card number, online banking credentials, or one-time passcodes over the phone, via email, or by text, or ask you to transfer funds. If someone asks you for this information, end the call and reach out to us directly at 360-943-0740. You can also shut off your card at any time in your Online Banking. Click to learn more. X
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O Bee Blog

We're Here to Help

You may be hearing more about economic uncertainty lately, and if it’s making you uneasy, you're not alone. When the economy shifts, concern is natural. It's also an opportunity to pause, reflect, and make thoughtful financial choices.

For over 70 years, O Bee has supported our Members through all kinds of economic conditions. What we’ve learned is this: preparation builds confidence.

Here are some steps you can take today to prepare your finances and stay grounded during uncertain times.

Check in with your budget
List your income, fixed expenses (like rent and insurance), and flexible spending (like groceries or entertainment). This gives you a clear picture of where your money is going and where you could cut back if needed. Our     financial calculators can help you estimate how small changes can impact your budget.

Build your emergency fund
Even small, consistent savings can help in a pinch. Aim for three to six months of essential expenses in a separate savings account. Starting now, even with a little, puts you ahead.

Tackle high-interest debt
High-interest credit card balances can make tight times harder. Focus on paying down what you can. Did you know? Through July 31, 2025 you can transfer your balance to an O Bee Credit Card and enjoy 0.00% APR* for six months. Ask us how.

Pause on big purchases
Thinking about a large expense or new debt? Consider waiting. Keeping your finances flexible can help you stay ready for the unexpected.

Lean on your credit union
You don’t have to go it alone. From financial coaching to Skip-a-Pay and Flash Cash Loans, O Bee offers support that’s built to help in times like these.

Economic ups and downs are part of the bigger picture. With planning and trusted support, you can move forward with confidence. Have questions or need a hand? Give us a call or stop by your nearest O Bee branch. We’re in this together.

*Annual Percentage Rate. Offer available to new and current Members. Subject to membership eligibility requirements and credit approval. Balances transferred will remain at 0.00% APR for 6 months then the promotional APR will increase based on product type and credit worthiness and may vary with market based on U.S. Prime Rate. Rates currently range from 10.40% to 18.50%. APR is accurate as of 01/02/2025. Offer, terms, and conditions are subject to change without notice.


Flash Cash LoansFlash Cash Loans
Get a loan in a Flash. Just six clicks to apply and no credit check required (for current Members).

Borrow up to $2,500 for unexpected expenses

Apply Online

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