9 banks and credit unions have branches in Happy Valley. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Oregon
Happy Valley counts institutions with a branch here, wherever headquartered. Oregon counts institutions headquartered in the state.
Happy Valley
6 institutions with a branch here
$2.25
Oregon
18 institutions headquartered in Oregon
$1.75
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Happy Valley median sits furthest from Oregon's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Happy Valley with Oregon and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $36.
Median published overdraft fee
Happy Valley
8 institutions with a branch here
$25
Oregon
17 institutions headquartered in Oregon
$25
U.S.
2,605 institutions in the index
$30
Happy Valley covers every institution with a branch here, wherever it is headquartered. Oregon covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 8 with a published overdraft fee.
Bank · based in Roseburg, OR · 2 branches here
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Credit union, membership rules apply · based in Oregon City, OR · 1 branch here
Account not yet known
“Overdraft Fee $12.00 Fee applies to any item paid from a negative checking account balance”
Credit union, membership rules apply · based in Vancouver, WA · 1 branch here
Account not yet known
“A fee of up to $30 may be assessed for each overdraft.”
Credit union, membership rules apply · based in Portland, OR · 1 branch here
Account not yet known
“Overdraft Fee (item paid) $10.00”
Credit union, membership rules apply · based in Oregon City, OR · 1 branch here
Account not yet known
“Checking & Savings Services NSF Item Paid NSF=Non-Sufficient Funds) $20 Charged when a check, Visa debit, or ACH debit is paid but overdraws the account because of insufficient fun”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Clackamas County
Deposits and branches cover the City of Happy Valley. Population and income cover Clackamas County, the county with most of Happy Valley's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Clackamas County.
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