The Best of Both Certificates for Your Long and Short-Term Needs

Unsure where to keep your money during uncertain times? Protect and raise your funds with a CD (Certificate of Deposit) at Orange County’s Credit Union.

Our Newest Addition!

14 Month Certificate

  • 2.50% APY¹
  • 14 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts

Best if you want…
  • Short-term savings
  • A place to keep and grow your money
  • Saving for a large purchase in the next 1-2 years
 

Our Highest Savings!

54 Month Certificate

  • 3.00% APY¹
  • 54 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts

Best if you want…
  • Long-term savings
  • A higher APY
  • Making a large purchase in the next 5-6 years

Our Newest Addition!

14 Month Certificate

  • 2.50% APY¹
  • 14 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts

Best if you want…
  • Short-term savings
  • A place to keep and grow your money
  • Saving for a large purchase in the next 1-2 years

 

 

Our Highest Savings!

54 Month Certificate

  • 3.00% APY¹
  • 54 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts

Best if you want…
  • Long-term savings
  • A higher APY
  • Making a large purchase in the next 5-6 years

 


IRA & Business Accounts
Please visit any of our branches or call us at (888) 354-6228 to learn about the many options that are available to you.⁴

If you live or work in Orange County, LA County, Riverside County, or San Bernardino County, you’re eligible to save money at Orange County’s Credit Union and benefit from these great deposit rates.

 

Competitive
Convenient
Confident
Rates are higher than national banks in most cases. Easily track growth and get balance notifications with our mobile app.⁴ Funds are federally insured up to $250,000 per account owner and beneficiary.

 

 

If you live or work in Orange County, LA County, Riverside County, or San Bernardino County, you’re eligible to save money at Orange County’s Credit Union and benefit from these great deposit rates.

 

Competitive
Rates are higher than national banks in most cases.
Convenient
Easily track growth and get balance notifications with our mobile app.⁴
Confident
Funds are federally insured up to $250,000 per account owner and beneficiary.

 

 

Are you a NEW Member?

Special CD account plus checking account: eStatements + debit card + direct deposit + fund special CD = $200 - see disclosure #3
Special CD account plus checking account: eStatements + debit card + direct deposit + fund special CD = $200 - see disclosure #3
 


Make it a bundle and get up to $200 BONUS² when you open a new checking account with a promotional CD.

  1. Special CD Account
  2. +Checking Account

    1. eStatements
    2. Debit Card
    3. Direct Deposit
    4. Fund Special CD
  3. $200³
  4. Use the Code CDBUNDLE when you apply
Special CD account plus checking account: eStatements + debit card + direct deposit + fund special CD = $200*
Special CD account plus checking account: eStatements + debit card + direct deposit + fund special CD = $200*

Make it a bundle and get up to $200 BONUS² when you open a new checking account with a promotional CD.

  1. Special CD Account
  2. +Checking Account

    1. eStatements
    2. Debit Card
    3. Direct Deposit
    4. Fund Special CD
  3. $200³
  4. Use the Code CDBUNDLE when you apply

 

Certificate of Deposit FAQ


Answer: A penalty for early withdraw may be imposed. Please check with our Associates are your local branch to confirm the details.


Answer: You can apply for multiple CD accounts. However, each account will require its own minimum requirements.


Answer: The CD bundle bonus is only available with the promotional 14 month and 54 month certificates.



Features

Benefits

Resources

  • 54 or 14 month term
  • Open with a minimum of $1,000
  • Available for IRA and Business Accounts
  • Dividends are compounded daily and paid monthly
  • Automatic reinvestment
  • Deposits are federally insured by the NCUA

 



Please visit any of our branches or call us at (888) 354-6228 to learn about the many options that are available to you.⁴

Features

  • 54 or 14 month term
  • Open with a minimum of $1,000
  • Available for IRA and Business Accounts
  • Dividends are compounded daily and paid monthly
  • Automatic reinvestment
  • Deposits are federally insured by the NCUA

Benefits

Resources

 



Please visit any of our branches or call us at (888) 354-6228 to learn about the many options that are available to you.⁴

¹Special Certificate (14 & 54 month) Terms and Conditions
APY- Annual Percentage Yield. Orange County’s Credit Union rates subject to change without notice. The disclosed Dividend rates and APY’s accurate as of November 1, 2022. A penalty for early withdraw may be imposed. All accounts are subject to normal approval standards. Minimum opening deposit is $1,000 with no maximum. Online applications require a checking or savings account with Orange County’s Credit Union. Both new and existing money may fund the account. This special CD promotion is now available for personal, IRA, and business accounts.

Special Term Certificates renew at the nearest lower standard term. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.

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 through your employer or if your immediate family member banks with us. Ask for details. Membership fee is $5.

New Members CD Promotional

²CD Bundle Terms and Conditions
Visit a branch or open online and use promo code: CDBUNDLE. This limited-time promotion ends December 31, 2022 and is subject to change at any time without prior notice.

Checking Account
All accounts are subject to normal approval standards. This offer is available to “new” Members only. A “new” Member is defined as a person who has never been an owner or signer of a checking or savings account or loan at Orange County’s Credit Union. Must open a personal checking account, enroll in eStatements, sign up and qualify for a Debit Mastercard, and set up and receive Direct Deposit within 60 days. Bonus paid by deposit to the new checking account. Bonus typically paid within 90 days. Bonus represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient. The new checking account must remain open for 90 days and maintain eStatement preference for 90 days or bonus may be reversed. Offer available for personal checking accounts including a Basic or Interest checking account. Money Market accounts are considered savings accounts. Social Security can be used as a direct deposit for Basic and Interest Checking accounts. Minimum opening deposit is $25 for Basic and Interest Checking accounts. Offer not available in conjunction with other offers. A qualifying direct deposit is an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or government agency. Person-to-person payments are not considered direct deposit.

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.

³Bundle Cash Bonus
Cash bonus is dependent on the fulfillment of the checking account and special certificate criteria above. A cash bonus will also depend on the total qualified certificate funds. A cash bonus of $50 will be paid out to qualified funds of $5000 - $49,999. A $100 cash bonus will be paid out to qualified funds of $50,000 - $99,999. For funding of $100,000 and above, a cash bonus of $200 will be paid out. The checking account and CD must remain open and stipulations must be met to earn the bonus. Bonus paid by deposit to the new checking account. Bonus typically paid within 90 days. Bonus represents dividends deposited into your personal checking account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient. The new checking promotional CD account and must remain open for 90 days and maintain eStatement preference for 90 days or the bonus may be reversed.

Total Qualifying Certificate Deposit Amount

Cash Bonus

$5,000 - $49,999

$50

$50,000-$99,000

$100

$100,000 and Above

$200