Term Share Certificate Rates

Term Share Certificate rates also apply to Individual Retirement Accounts (IRAs). Deposits contribute toward your Relationship Rewards Program benefits.

Rates are effective July 1, 2024 and subject to change at any time.

 

8-Month
Certificate

$1,000 Minimum Deposit
  • 4.75% APY¹
  • 4.64% dividend rate
  • 8-month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴
 
 

8-Month
Certificate

$25,000 Minimum Deposit
  • 5.00% APY¹
  • 4.88% dividend rate
  • 8-month term
  • $25,000 minimum
  • Available for IRA and Business Accounts⁴
 

8-Month
Certificate

$1,000 Minimum Deposit
  • 4.75% APY¹
  • 4.64% dividend rate
  • 8-month term
  • $1,000 minimum
  • Available for IRA and Business Accounts⁴
 
 

8-Month
Certificate

$25,000 Minimum Deposit
  • 5.00% APY¹
  • 4.88% dividend rate
  • 8-month term
  • $25,000 minimum
  • Available for IRA and Business Accounts⁴

$1,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.27%

2.30%

48-Month

2.13%

2.15%

36-Month

1.83%

1.85%

24-Month

1.73%

1.75%

18-Month

1.59%

1.60%

12-Month

1.54%

1.55%

6-Month

1.39%

1.40%

 


 

$25,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.81%

2.85%

48-Month

2.71%

2.75%

36-Month

2.62%

2.65%

24-Month

2.52%

2.55%

18-Month

2.42%

2.45%

12-Month

2.32%

2.35%

6-Month

2.23%

2.25%

 


 

$100,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.91%

2.95%

48-Month

2.81%

2.85%

36-Month

2.71%

2.75%

24-Month

2.62%

2.65%

18-Month

2.52%

2.55%

12-Month

2.42%

2.45%

6-Month

2.32%

2.35%

$1,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.27%

2.30%

48-Month

2.13%

2.15%

36-Month

1.83%

1.85%

24-Month

1.73%

1.75%

18-Month

1.59%

1.60%

12-Month

1.54%

1.55%

6-Month

1.39%

1.40%

 


 

$25,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.81%

2.85%

48-Month

2.71%

2.75%

36-Month

2.62%

2.65%

24-Month

2.52%

2.55%

18-Month

2.42%

2.45%

12-Month

2.32%

2.35%

6-Month

2.23%

2.25%

 


 

$100,000 Minimum Balance

Term

Dividend Rate

APY¹

60-Month

2.91%

2.95%

48-Month

2.81%

2.85%

36-Month

2.71%

2.75%

24-Month

2.62%

2.65%

18-Month

2.52%

2.55%

12-Month

2.42%

2.45%

6-Month

2.32%

2.35%


Special Term Share Certificate Rates

Term

Minimum Deposit

Dividend Rate

APY¹

8-Month

$1,000

4.64%

4.75%

8-Month

$25,000

4.88%

5.00%

9-Month

$1,000

4.40%

4.50%

14-Month

$1,000

4.40%

4.50%

Special Term Share Certificate Rates

Term

Minimum Deposit

Dividend Rate

APY¹

8-Month

$1,000

4.64%

4.75%

8-Month

$25,000

4.88%

5.00%

9-Month

$1,000

4.40%

4.50%

14-Month

$1,000

4.40%

4.50%

¹Special Certificate (8, 9, & 14 month) Terms and Conditions
Rates, Annual Percentage Yield (APY) and terms are accurate as of July 1, 2024 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 unless you instruct us otherwise (at the then applicable offered rate). For example: 8 Month, 9 Month, and 14 Month Special Term Certificates will automatically renew into the 6 Month, 6 Month, and 12 Month Terms, respectively.

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

Money Market rates also apply to Individual Retirement Accounts (IRAs).


  $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 July 12, 2024 09:35 AM Pacific Time (PT)

Savings Rates

Savings rates also apply to Individual Retirement Accounts (IRAs).



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 July 12, 2024 09:35 AM Pacific Time (PT)