Well, your OC could be an exchange student from another country with a very different quirk culture. They bring new ideas and techniques to the My Hero Academia world. But they also face discrimination or misunderstanding from some of the local students. This could lead to a story about cultural exchange and acceptance. Another plot could be that your OC's quirk has a side - effect that they only discover later. This side - effect could be either a great power or a great danger. And they have to figure out how to deal with it while still being a hero. Or perhaps your OC discovers an ancient prophecy related to quirks and they are the key figure in it. This would involve them going on a quest to fulfill the prophecy and facing many challenges along the way.
One plot idea could be your OC starting at a new hero school. They have to deal with fitting in, making friends, and facing rivals. Another is that your OC discovers a new type of quirk that is being hunted by villains. They then have to protect this knowledge while also learning to control their own quirk better. Or, your OC could be wrongly accused of a crime committed by a villain with a similar quirk. They have to clear their name while also dealing with the public's distrust.
One plot idea could be that the OC criminal is secretly working with a high - ranking hero to bring down a powerful villain organization from the inside. Another is that the OC criminal has a personal vendetta against a specific hero and is constantly trying to undermine them. A third idea is that the OC criminal discovers a powerful but dangerous quirk - enhancing drug and is trying to distribute it among the criminal underworld.
A plot could involve a mercenary who discovers a conspiracy within the hero society. They start to dig deeper and find out that some heroes are actually involved in illegal activities. As they try to expose this, they become a target for both the corrupt heroes and the villains who don't want the truth to come out. Another idea is that the mercenary is hired to protect a young and powerful quirk user who is being hunted by multiple factions. During this mission, the mercenary forms an unexpected bond with the young person and has to decide if they will continue their mercenary ways or change for the better. Also, a plot where the mercenary is forced to work with a group of heroes against a common enemy, even though they have a natural distrust of heroes, could be interesting.
A good way to create an interesting My Hero Academia OC for your fanfic is to look at the existing characters for inspiration. Notice how the heroes and villains in the series have different quirks and personalities. Your OC could have a quirk that is a combination of two existing ones, but with a new twist. For instance, if you combine the elasticity of Deku's quirk in some of his forms with the fire - based aspect of Todoroki's quirk. In terms of personality, they could be an introvert who is forced to step out of their comfort zone because of their quirk. Their journey in the fanfic could be about learning to accept themselves and their powers.
One great plot idea is having your SI OC be a transfer student from a foreign hero school. They bring in new techniques and a different perspective on heroics. Another idea could be that your OC has a quirk that is initially seen as a villain's quirk, and they have to prove that it can be used for good. For example, a quirk that allows them to control minds but they use it only for interrogation purposes in hero work.
An interesting plot could involve an OC who is initially thought to be quirkless but discovers a latent quirk later on. This OC could then struggle to catch up with the others in terms of training and development. Or, an OC with a shapeshifting quirk could be used in a plot where they have to infiltrate a villain's lair by taking on the form of one of the villains' minions. They would have to be careful not to be discovered and also gather intelligence along the way.
An interesting concept would be an OC who has a quirk that is based on art. For example, they can bring paintings to life. This OC could be a part of an art school within the My Hero Academia universe and use their quirk to fight villains who are attacking art galleries or museums. They would also have to train their quirk to be more combat - effective.
An interesting concept for a 'boku no hero academia oc fanfic' is an OC who is a villain at first but then slowly realizes the error of their ways. Their quirk could be something that is initially seen as very menacing, like the power to steal the quirks of others temporarily. As the story progresses, they could start using this quirk for good, like helping heroes regain their lost quirks in battles against stronger villains.
One possible plot could be an OC who is a gamer and discovers they can use their gaming skills in the My Hero Academia world. For example, they might be really good at strategic planning in games, and this helps them create unique battle strategies against villains. They could start as an underdog, with classmates doubting their abilities because they seem more focused on gaming than hero training. But as they prove themselves in battles, they gain respect and also inspire others to think outside the box when it comes to heroics.
A good plot could involve the assassin OC having a past connection with a major villain in the My Hero Academia world. They are forced to confront this villain when the villain discovers their existence and tries to either recruit or eliminate them. Or perhaps the OC is on a mission to steal a powerful quirk - enhancing drug, but the heroes get in their way and they have to decide whether to fight or cooperate.
A good plot for My Hero Academia Vigilante OC fanfiction could start with the OC finding a strange quirk - enhancing drug on the streets. This leads them to investigate a new criminal organization that is creating and distributing these drugs. As they dig deeper, they realize that this organization has ties to some powerful people in the hero world. Along the way, they might meet an old friend who has turned to the dark side and is involved with the organization. They have to decide whether to save their friend or focus on taking down the organization. Another plot could be that the OC's secret identity is at risk of being exposed when a nosy journalist starts following their every move.