¹ 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 (at the then applicable offered rate), unless you instruct us otherwise. For example: 3 Month, 6 Month and 9 Month Special Term Certificates will automatically renew into the standard 6 Month Term and 14 Month Special Term Certificate will automatically renew into the standard 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.

³  New 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 qualify.

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. Membership requirements apply.

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.