Step up your savings with a 4.70% APY1!

Put your savings to work with a competitive, 14-month1 fixed rate certificate.

 

Get Started ▸

  • Step 1: Click "Get Started" for our Easy Onboarding process to become a New Member in just minutes!
  • Step 2: During the process, select the "4.70% Certificate" offer.
  • Step 3: Fund your new 4.70% Certificate right there in the app and start enjoying great returns!
  • Step 4: Brag to all your friends.

Special Term Share Certificate Rates

Term Minimum Deposit Dividend Rate APY1
3-Month ($3,000 maximum contribution2. New Money Only3.) $1,000 8.44% 8.80%
6-Month $1,000 3.78% 3.85%
9-Month $1,000 4.16% 4.25%
14-Month $1,000 4.59% 4.70%

1Special Certificate (3, 6, 9, & 14 month)
Rates, Annual Percentage Yield (APY) and terms are accurate as of November 2, 2026 and are subject to change at any time. Fees may reduce earnings on the account. APY is based on the assumption that certificate funds (including dividends) will remain in the account until maturity. There is a penalty for early withdrawal of certificate funds. Minimum balance to open is $1,000. The Special Term Certificates are a promotional product and may change or end without notice. Special Term Certificates will automatically renew at the nearest lower standard term unless you instruct us otherwise (at the then applicable offered rate). For example: 3, 6, and 9 Month Special Term Certificates will automatically renew into the 6 Month Term and 14 Month Special Term Certificates will automatically renew into the 12 Month Term.

2 3-Month Special Term Certificate: Certificates can only be opened in person at a branch location or through Call Center. Maximum one Certificate per member. Maximum opening deposit is $3,000. Only available for consumer/ non-business and trust accounts. Not available on Traditional, Roth, SEP retirement accounts and business accounts.

3New money only is defined as funds not currently on deposit with Orange County's Federal Credit Union. Transfers from existing Orange County's Federal Credit Union accounts do not quality.

Refer to Orange County's Federal Credit Union's Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement, Business Agreement and Disclosure Agreement, Schedule of Fees and Charges, Certificate Account Agreement and Disclosure for additional terms and conditions such as, fees, rate information, payment of dividends, and other details applicable to your specific account.

IRA and Business Certificates are not available for online account opening; please visit a branch for assistance.

For current rates and terms, call (888) 354-OCCU (6228) or visit any branch. Federally insured by NCUA.