Savings Rates

Savings, Money Market, and Certificate rates also apply to Individual Retirement Accounts (IRAs).



Certificate Rates

 

14 Month Certificate

  • 3.00% 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 wedding or a car purchase in the next 1-2 years
 
 

9 Month Certificate

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

Best if you want…
  • Short-term savings
  • Better rates than most checking and savings accounts
  • Spend on traveling or making a purchase in less than a year
 
 

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
  • Lock the APY¹ for a longer duration
  • Save for retirement or buy a home in the next 4-5 years
 

9 Month Certificate

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

Best if you want…
  • Short-term savings
  • Better rates than most checking and savings accounts
  • Spend on traveling or making a purchase in less than a year

 

 

14 Month Certificate

  • 3.00% 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 wedding or a car purchase in the next 1-2 years

 

 

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
  • Lock the APY¹ for a longer duration
  • Save for retirement or buy a home in the next 4-5 years

6 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 0.399% 0.995% 1.094%
APY¹ 0.40% 1.00% 1.10%
  Dividend Rate APY¹
$1,000 Min Deposit 0.399% 0.40%
$25,000 Min Deposit 0.995% 1.00%
$100,000 Min Deposit 1.094% 1.10%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

12 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 0.548% 1.094% 1.193%
APY¹ 0.55% 1.10% 1.20%
  Dividend Rate APY¹
$1,000 Min Deposit 0.548% 0.55%
$25,000 Min Deposit 1.094% 1.10%
$100,000 Min Deposit 1.193% 1.20%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

18 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 0.598% 1.193% 1.292%
APY¹ 0.60% 1.20% 1.30%
  Dividend Rate APY¹
$1,000 Min Deposit 0.598% 0.60%
$25,000 Min Deposit 1.193% 1.20%
$100,000 Min Deposit 1.292% 1.30%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

24 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 0.747% 1.292% 1.390%
APY¹ 0.75% 1.30% 1.40%
  Dividend Rate APY¹
$1,000 Min Deposit 0.747% 0.75%
$25,000 Min Deposit 1.292% 1.30%
$100,000 Min Deposit 1.390% 1.40%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

36 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 0.846% 1.390% 1.489%
APY¹ 0.85% 1.40% 1.50%
  Dividend Rate APY¹
$1,000 Min Deposit 0.846% 0.85%
$25,000 Min Deposit 1.390% 1.40%
$100,000 Min Deposit 1.489% 1.50%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

48 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.143% 1.489% 1.587%
APY¹ 1.15% 1.50% 1.60%
  Dividend Rate APY¹
$1,000 Min Deposit 1.143% 1.15%
$25,000 Min Deposit 1.489% 1.50%
$100,000 Min Deposit 1.587% 1.60%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

60 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.292% 1.587% 1.686%
APY¹ 1.30% 1.60% 1.70%
  Dividend Rate APY¹
$1,000 Min Deposit 1.292% 1.30%
$25,000 Min Deposit 1.587% 1.60%
$100,000 Min Deposit 1.686% 1.70%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

Money Market Rates


  $2,500 Min Balance $25,000 Min Balance $40,000 Min Balance $100,000 Min Balance $250,000 Min Balance
Minimum Opening Deposit $2,500 $2,500 $2,500 $2,500 $2,500
Minimum Balance to Obtain APY¹ $2,500 $25,000 $40,000 $100,000 $250,000
Dividend Rate 0.200% 0.300% 0.399% 0.995% 1.094%
APY¹ 0.20% 0.30% 0.40% 1.00% 1.10%
  Minimum Opening Deposit Minimum Balance to Obtain APY¹ Dividend Rate APY¹
$2,500 Min Balance $2,500 $2,500 0.200% 0.20%
$25,000 Min Balance $2,500 $25,000 0.300% 0.30%
$40,000 Min Balance $2,500 $40,000 0.399% 0.40%
$100,000 Min Balance $2,500 $100,000 0.995% 1.00%
$250,000 Min Balance $2,500 $250,000 1.094% 1.10%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

Checking Rates


  Interest Checking Basic Checking Pacific Checking
Minimum Opening Deposit $25 $25 $25
Minimum Balance to Obtain APY¹ $600 $0 $0
APY¹ 0.07% 0.00% 0.00%
  Minimum Opening Deposit Minimum Balance to Obtain APY¹ APY¹
Interest Checking $25 $600 0.07%
Basic Checking $25 $0 0.00%
Pacific Checking $25 $0 0.00%
Effective January 31, 2023 08:44 AM Pacific Time (PT)

¹Special Certificate (9, 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 January 1, 2023. 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 available for personal, IRA, and business accounts. There is no limitation on the number of certificate accounts allowed to be open. To secure the promotional rate, Member must apply between January 1, 2023 to February 28, 2023. This a limited-time promotion and is subject to change at any time without prior notice.

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.

View the Certificate Account Agreement and Disclosure here.

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