Become a Member and celebrate higher returns with a special Anniversary Share Certificate

For a limited time in honor of our 85th Anniversary, we’re offering a higher dividend rate and an additional $100 Welcome Bonus¹ when you open our 8-month Anniversary Share Certificate, open a qualified checking account, and meet the bonus requirements.

The More You Save, The More You Earn on an 8-month anniversary share certificate. Comparison chart depicting three tiers: 5.00% APY/4.88% Dividend Rate with $1,000 minimum deposit | 5.15% APY/5.02% Dividend Rate with $25,000 minimum deposit |5.50% APY/5.35% Dividend Rate with $100,000 minimum deposit
The More You Save, The More You Earn on an 8-month anniversary share certificate. Comparison chart depicting three tiers: 5.00% APY/4.88% Dividend Rate with $1,000 minimum deposit | 5.15% APY/5.02% Dividend Rate with $25,000 minimum deposit |5.50% APY/5.35% Dividend Rate with $100,000 minimum deposit

Plus, open an eligible checking account and receive a $100 bonus deposit.


By popular demand, this promotion has been extended until February 29, 2024.

Special Term Share Certificate Rates

$1,000 Minimum Balance

Term

Dividend Rate

APY¹

8-Month

4.88%

5.00%

9-Month

4.40%

4.50%

14-Month

4.40%

4.50%

54-Month

3.92%

4.00%

Special Term Share Certificate Rates

$1,000 Minimum Balance

Term

Dividend Rate

APY¹

8-Month

4.88%

5.00%

9-Month

4.40%

4.50%

14-Month

4.40%

4.50%

54-Month

3.92%

4.00%

✔ To receive your $100 Welcome Bonus, your new checking account must include direct deposit, eStatements, and a Debit Mastercard®.

Use code SPECIAL85 online or at a branch to receive this offer.

When you deposit funds into a Share Certificate (similar to a Certificate of Deposit or CD), you’re agreeing to leave it there, untouched for a set period of time while it earns dividends. You’ll lock in a higher return rate than a Regular Savings or Money Market account while it’s there—even if rates go down, you’ll still be earning the high rate you locked in. Learn more about share certificates here.

The $100 Welcome Bonus¹ will be deposited into your New Checking Account within 90 days of account opening when you meet the Welcome Bonus¹ requirements.

It depends on the term you choose and the amount you deposit. The larger the deposit, the more dividends you will earn. Check our current rates or see how much you could earn with our Share Certificate calculator.


Better Banking Starts Here

We’ve been proudly serving our communities for 85 years now. As a Member-owned, full-service financial institution, our profits are returned directly to you in the form of better rates and lower fees. In fact, our Members save an average of $2,200 annually compared to a typical California bank.⁴

Experience better banking with us:

We’re proud to be with you all the way.

Give your savings that extra boost!

To open a Special Share Certificate, call us at (888) 354-6228 or visit a branch.

$100 Welcome Bonus: Use promo code SPECIAL85 online or in the branch of your choice by February 29, 2024 to receive this $100 offer.

All accounts are subject to normal approval standards. Additional terms and conditions apply and are subject to change. Refer to Orange County's Credit Union's Account Agreement, Truth-In-Savings, and Electronic Funds Transfers 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. Ask us for details.

¹$100 Welcome Bonus:
To receive your Welcome Bonus, all the following requirements must be met:

  • You must open a new 8-month Special Share Certificate (“8-month Anniversary Share Certificate”).
  • You must open an eligible Basic, Access, Plus, Interest, or Pacific personal checking account at Orange County's Credit Union (“New Checking Account”), enroll in eStatements, sign up and qualify for a debit card, and set up and receive direct deposit within 60 days of account opening.
  • You must maintain your New Checking Account and 8-month Anniversary Share Certificate open until bonus payout.

This offer is available to individuals who have not been a signer on an Orange County’s Credit Union checking account anytime over the past 12 months. Social Security can be used as a direct deposit for Basic, Interest, and Plus Checking accounts. Bonus paid by deposit to the New Checking Account. Bonus will be paid within 90 days of account opening. Limit one Welcome Bonus per Member. Bonus represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient. Please consult your tax advisor.

²Checking Account Information: Find more information here and here.

³Special Share Certificate (8-month):
Rates, Annual Percentage Yield (APY) and terms are accurate as of the Effective Date published above 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 (at the then applicable offered rate), unless you instruct us otherwise (at the then applicable offered rate). The 8-Month Special Term Certificates will automatically renew into the 6 Month Term.

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.

If you have any questions or require current information on your account, please call the Credit Union at (888) 354-6228, or stop into any of our branches.

⁴Based upon research conducted by the Credit Union National Association. Average savings listed based on Member households using multiple Credit Union products and services. Individual Member savings results may vary. Click here for details.

⁵Message and data rates may apply. Contact your mobile provider for details.