Savings Rates

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



Certificate Rates

 

14 Month
Certificate

  • 4.50% APY¹
  • 4.40% dividend rate
  • 14 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴

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

  • 4.50% APY¹
  • 4.40% dividend rate
  • 9 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴

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
 

9 Month Certificate

  • 4.50% APY¹
  • 4.40% dividend rate
  • 9 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴

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

  • 4.50% APY¹
  • 4.40% dividend rate
  • 14 month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴

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

6 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.390% 2.225% 2.323%
APY¹ 1.40% 2.25% 2.35%
  Dividend Rate APY¹
$1,000 Min Deposit 1.390% 1.40%
$25,000 Min Deposit 2.225% 2.25%
$100,000 Min Deposit 2.323% 2.35%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

12 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.538% 2.323% 2.421%
APY¹ 1.55% 2.35% 2.45%
  Dividend Rate APY¹
$1,000 Min Deposit 1.538% 1.55%
$25,000 Min Deposit 2.323% 2.35%
$100,000 Min Deposit 2.421% 2.45%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

18 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.587% 2.421% 2.518%
APY¹ 1.60% 2.45% 2.55%
  Dividend Rate APY¹
$1,000 Min Deposit 1.587% 1.60%
$25,000 Min Deposit 2.421% 2.45%
$100,000 Min Deposit 2.518% 2.55%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

24 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.735% 2.518% 2.616%
APY¹ 1.75% 2.55% 2.65%
  Dividend Rate APY¹
$1,000 Min Deposit 1.735% 1.75%
$25,000 Min Deposit 2.518% 2.55%
$100,000 Min Deposit 2.616% 2.65%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

36 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 1.833% 2.616% 2.713%
APY¹ 1.85% 2.65% 2.75%
  Dividend Rate APY¹
$1,000 Min Deposit 1.833% 1.85%
$25,000 Min Deposit 2.616% 2.65%
$100,000 Min Deposit 2.713% 2.75%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

48 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 2.127% 2.713% 2.810%
APY¹ 2.15% 2.75% 2.85%
  Dividend Rate APY¹
$1,000 Min Deposit 2.127% 2.15%
$25,000 Min Deposit 2.713% 2.75%
$100,000 Min Deposit 2.810% 2.85%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

60 Month Certificate Rates

  $1,000 Min Deposit $25,000 Min Deposit $100,000 Min Deposit
Dividend Rate 2.274% 2.810% 2.907%
APY¹ 2.30% 2.85% 2.95%
  Dividend Rate APY¹
$1,000 Min Deposit 2.274% 2.30%
$25,000 Min Deposit 2.810% 2.85%
$100,000 Min Deposit 2.907% 2.95%
Effective December 02, 2023 05:20 AM Pacific Time (PT)

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%


Effective December 1, 2023. Subject to change anytime.

 

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%


Effective December 1, 2023. Subject to change anytime.

 

¹Special Certificate (8, 9, 14 & 54 month) Terms and Conditions
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). For example: 9 Month, 14 Month, and 54 Month Special Term Certificates will automatically renew into the 6 Month, 12 Month, and 48 Month Term, respectively. The 8-Month Special Term Certificates will automatically renew into the 6 Month Term.

Refer to Orange County's 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 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.

²Message and data rates may apply. Contact your mobile provider for details.

³To view national bank average, visit fdic.gov.

⁴IRA and Business Accounts cannot be opened online. Please visit a local branch to set one up.


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 December 02, 2023 05:20 AM Pacific Time (PT)

Checking Rates


  Interest Checking Basic Checking Pacific Checking² Access Checking Plus Checking
Minimum Opening Deposit $25 $25 $25 $25 $25
Minimum Balance to Obtain APY¹ $600 $0 $0 $0 $0
Dividend Rate 0.070% 0.000% 0.000% 0.000% 0.000%
APY¹ 0.07% 0.00% 0.00% 0.00% 0.00%
  Minimum Opening Deposit Minimum Balance to Obtain APY¹ Dividend Rate APY¹
Interest Checking $25 $600 0.070% 0.07%
Basic Checking $25 $0 0.000% 0.00%
Pacific Checking² $25 $0 0.000% 0.00%
Access Checking $25 $0 0.000% 0.00%
Plus Checking $25 $0 0.000% 0.00%
Effective December 02, 2023 05:20 AM Pacific Time (PT)