Borrow against the funds in your Orange County's Credit Union Savings or Certificate account. This loan can be used in emergencies, or other unexpected expenses.



  • Borrow from $500, up to 90% of the balance in your Term-Share Certificate, or up to 100% of your Savings account balance.
  • Certificate loan will match the certificate term, you can choose monthly payments, or make one payment at maturity. Savings loan terms are from 12 - 60 months.
  • No pre-payment penalty
  • Rates:  Savings or Certificate rate + 3%
  • Your Savings and Certificate accounts will continue to earn dividends while the loan is in place