Relationship Rewards Program
Through our Relationship Rewards Program, all of your combined household balances in loans and deposits count toward your rewards level. Discover what free services, discounted loan rates, and exclusive offers are available to you and your family based on your rewards level.
Patron |
Premier |
Platinum |
|
| Combined Balance (Loans/Deposits) | Less than $5,000 | $5,000 - $49,999 | $50,000+ or 20-yr Membership |
Checking |
|||
| Basic or Interest Checking | Fee waived when average daily balance met, Direct Deposit, or age 62 or better | Free | Free |
| Complimentary Check Program¹ | 2 | 2 | 2 |
Loans |
|||
| Rate Discounts | |||
| Personal Loans | -- | 0.15% | 0.25% |
| Recreational Vehicle Loans | -- | 0.15% | 0.25% |
| Motorcycle Loans | -- | 0.15% | 0.25% |
| Fees | |||
| Pre-Approved Line of Credit Annual Fee | Free | Free | Free |
| Home Equity Line of Credit Annual Fee | $50 | $25 | Free |
ATM/Debit Transactions |
|||
| Orange County’s Credit Union and CO-OP Network ATM Fee | Free | Free | Free |
| Non CO-OP Network ATM Fee² | $1.50 | 4 Free per Month | Free Unlimited |
| ATM Cash Withdrawal Limits³ | $800 | $800 | $800 |
| ATM Deposit Amount Immediately Available Per Day³ | $225 | $500 | $1,000 |
| Daily Maximum for Debit Mastercard Signed Transactions³ | $2,000 | $3,000 | $3,500 |
| Daily Maximum for Debit Mastercard Point-of-Sale Transactions³ | $2,000 | $3,000 | $3,500 |
Additional Member Services |
|||
| Cashier's Check | 2 Free per Day | 2 Free per Day | Free Unlimited |
| Notary Services | Free for CU documents | Free for CU documents | Free Unlimited |
| Wire Transfers (Domestic) |
$25 | $25 | Free |
| Stop Payment | Free thru Online or Telephone Banking | Free thru Online or Telephone Banking | Free |
|
Patron |
Premier |
Platinum |
|
| Combined Balance (Loans/ Deposits) | Less than $5,000 | $5,000 - $49,999 | $50,000+ or 20-yr Member |
| Checking | |||
| Basic or Interest Checking | Fee waived when average daily balance met, Direct Deposit, or age 62 or better | Free | Free |
| Free Check Program¹ | 2 | 2 | 2 |
| Loans | |||
| Rate Discounts | |||
| Personal Loans | -- | 0.15% | 0.25% |
| Recreational Vehicle Loans | -- | 0.15% | 0.25% |
| Motorcycle Loans | -- | 0.15% | 0.25% |
| Fees | |||
| Pre-Approved Line of Credit Annual Fee | Free | Free | Free |
| Home Equity Line of Credit Annual Fee | $50 | $25 | Free |
| ATM/Debit Transactions | |||
| Orange County’s Credit Union and CO-OP Network ATM Fee | Free | Free | Free |
| Non CO-OP Network ATM Fee² | $1.50 | 4 Free per Month | Free Unlimited |
| ATM Cash Withdrawal Limits³ | $800 | $800 | $800 |
| ATM Deposit Amount Immediately Available Per Day³ | $225 | $500 | $1,000 |
| Daily Maximum for Debit Mastercard Signed Transactions³ | $2,000 | $3,000 | $3,500 |
| Daily Maximum for Debit Mastercard Point-of-Sale Transactions³ | $2,000 | $3,000 | $3,500 |
| Additional Member Services | |||
| Cashier's Check | 2 Free per Day | 2 Free per Day | Free Unlimited |
| Notary Services | Free for CU docs | Free for CU docs | Free Unlimited |
| Wire Transfers (Domestic) |
$25 | $25 | Free |
| Stop Payment | Free thru Online or Phone Banking | Free thru Online or Phone Banking | Free |
Free Member Benefits
|
- eStatements, 24-hour Telephone Banking, Point-of-Sale Purchases
- Online and Mobile Banking with Bill Payment⁴
- Home Connections Rewards Program
- GreenPath financial counseling and educational resources
- Financial consultations and account reviews
- Home Loan Total Cost Analysis and review
- Auto, Home, and Life Insurance quote and consultation
- $2,000 Accidental Death & Dismemberment Insurance (by enrollment)
- In-branch coin counting machines
- Exclusive Member offers and perks
Make Banking a More Rewarding Experience
You and your family can benefit from simple banking with Orange County's Credit Union
Or call us at (888) 354-6228 or visit one of our 10 convenient branches
Make Banking a More Rewarding Experience
You and your family can benefit from simple banking with Orange County's Credit Union
Or call us at (888) 354-6228 or visit one of our 10 convenient branches
Personal accounts only. Relationship Rewards are not offered for commercial accounts.
Membership is required to participate in the Program.
Account review:
• Monthly: At the end of each month, your Relationship level will be evaluated based on your combined balances and can move up to the next level at the beginning of the following month throughout the year, but will not move down until annual review.
• Annually: On November 30, your account will be re-evaluated to determine your level status and take effect on January 1 of the following year. Annually, you may level up or down based on total household balances. Benefits may change at that time.
Relationship level will be calculated and assigned to each Membership within a household. Household consists of all individuals listed at your physical address who are Members of Orange County's Credit Union. Membership eligibility requirements apply.
Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.
Immediate family includes: Spouse, Child, Sibling, Parent, Grandparent, Grandchild, Stepparent, Stepchild, and Adoptive Relationships.
¹All personal checking accounts receive two free boxes of Credit Union custom design checks per year.
²Surcharge from other financial institutions may apply.
³Excluding Sand Dollar and Pacific Accounts.
⁴Mobile and data rates may apply.
Orange County's Credit Union is an Equal Opportunity Lender.