Now is the time to start saving for the future. Whether you’re looking forward to college, a new home, or a secure retirement, we offer better interest rates than most traditional banks.
Rates Effective 9/01/2010
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The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. Please feel free to utilize the NCUA Insurance Estimator which allows members to enter in basic account information, including the account owners, to see if their funds are insured. Please click here to access the NCUA Insurance Estimator.

Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain APY	Average Daily Balance To Avoid Service Fee (**)	Dividend Rate	Annual Percentage Yield (APY)	Account Terms
Regular Savings	$25 (*)	$100	$500	0.150%	0.15%	The Dividend Rate and Annual Percentage Yield is a prospective rate and may change daily as determined by the Credit Union's Board of Directors.
Special Savings	$25	$100	N/A	0.150%	0.15%
Basic Checking	$100	N/A	$750	N/A	N/A
Better Than Free Checking	$0	$0	$0	N/A	N/A
Interest Checking	$100	$100	$1,400	0.050%	0.05%
High Rate Checking	$25,000	<$100 <$2,500 $25,000 $50,000 $75,000 $100,000	$25,000 $25,000 $25,000 $25,000 $25,000 $25,000	0.000% 0.050% 0.100% 0.120% 0.150% 0.180%	0.00% 0.05% 0.10% 0.12% 0.15% 0.18%
Optimum PLUS Money Market Savings	$2,500	< $100 < $2,500 $2,500 $25,000 $40,000 $100,000 $250,000	$2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500	0.000% 0.150% 0.200% 0.598% 0.698% 0.797% 0.896%	0.00% 0.15% 0.20% 0.60% 0.70% 0.80% 0.90%
(*) The par value of a share is $25.00. (**) See current Schedule of Fees and Charges. Certain fees waived for Platinum and Premier members, or when householding minimums have been met. Fees or other conditions could reduce earnings on the accounts. Full terms and conditions for Orange County's Credit Union's deposit accounts are set forth in the Deposit Account Agreement & Truth-in-Savings Disclosure. For more information, please call our Call Center at (714) 755-5900. (***) The disclosed Dividend rates and APYs were accurate as of the "effective" date set forth above. If a Term Share Certificate account were opened, the disclosed Dividend Rate and APY would be paid for the length of the term listed for such account. Early withdrawal penalties may be imposed. These rates are subject to change without notice.