Orange County's Credit Union
Orange County's Credit Union
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 January 1, 2025 and subject to change at any time.
|
|
$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 (New money only5) |
$1,000 |
4.16% |
4.25% |
|
9-Month |
$1,000 |
3.68% |
3.75% |
|
14-Month |
$1,000 |
3.54% |
3.60% |
Special Term Share Certificate Rates
|
Term |
Minimum Deposit |
Dividend Rate |
APY¹ |
|---|---|---|---|
|
8-Month (New money only5) |
$1,000 |
4.16% |
4.25% |
|
9-Month |
$1,000 |
3.68% |
3.75% |
|
14-Month |
$1,000 |
3.54% |
3.60% |
¹Special Certificate (8, 9, & 14 month) Terms and Conditions
Rates, Annual Percentage Yield (APY) and terms are accurate as of January 1, 2025 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 generally available to: (a) anyone who lives, works, worships, or attends school in the California counties of Orange, Los Angeles, Riverside, or San Bernardino; or (b) Credit Union Member’s immediate family or household members. Membership fee is $5.
If you have any questions or require current information on your account, please call the Credit Union at (888) 354-OCCU (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.
5New Money is defined as funds not currently on deposit with Orange County’s Credit Union. Transfers from existing Orange County’s Credit Union accounts do not qualify.
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% |
Savings Rates
Savings rates also apply to Individual Retirement Accounts (IRAs).
| Regular Savings | Pacific Savings (Youth Account)² | Sand Dollar Savings (Youth Account)² | |
|---|---|---|---|
| Minimum Balance to Obtain APY¹ | $250 | $250 | $250 |
| Dividend Rate | 0.070% | 0.070% | 0.070% |
| APY¹ | 0.07% | 0.07% | 0.07% |
| Minimum Balance to Obtain APY¹ | Dividend Rate | APY¹ | |
|---|---|---|---|
| Regular Savings | $250 | 0.070% | 0.07% |
| Pacific Savings (Youth Account)² | $250 | 0.070% | 0.07% |
| Sand Dollar Savings (Youth Account)² | $250 | 0.070% | 0.07% |
| 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% |