1 star ratingAverage User Rating:
1 star rating based on 2 reviews.

Orange County's Credit Union

Orange County's Credit Union Locations
1701 E. St. Andrew Place
Santa Ana, CA 92705
888-354-6228
www.orangecountyscu.org



Orange County's Credit Union is headquartered in Santa Ana and is the 34th largest credit union in the state of California. It is also the 185th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 231 employees and 80,461 members. Orange County's Credit Union has a 4-star health rating.

Orange County's Credit Union Routing Number: 322281989

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See Rates for: Checking | Savings | Money Market | CD | IRA

Orange County's Credit Union Checking Account Rates

ApyMinMaxProduct
0.05%$100-Interest Checking

Orange County's Credit Union Savings Account Rates

ApyMinMaxProduct
0.10%$100-Regular Savings

Orange County's Credit Union Money Market Rates

ApyMinMaxProduct
0.45%$250k-Optimum PLUS Money Market Savings

Orange County's Credit Union CD Rates

ApyMinMaxProduct
1.50%$100k-60 Month CD
1.25%$100k-48 Month CD
1.00%$100k-36 Month CD
0.75%$100k-24 Month CD
0.65%$100k-18 Month CD
0.55%$100k-12 Month Tax Deferred CD
0.55%$100k-12 Month CD
0.45%$100k-6 Month CD
0.30%$500-12 Month Starter CD

Orange County's Credit Union IRA Rates

ApyMinMaxProduct
1.50%$100k-60 Month IRA
1.50%$100k-60 Month Roth IRA
1.50%$100k-60 Month CESA
1.50%$100k-60 Month SEP IRA
1.25%$100k-48 Month IRA
1.25%$100k-48 Month Roth IRA
1.25%$100k-48 Month CESA
1.25%$100k-48 Month SEP IRA
1.00%$100k-36 Month IRA
1.00%$100k-36 Month Roth IRA
1.00%$100k-36 Month CESA
1.00%$100k-36 Month SEP IRA
0.75%$100k-24 Month IRA
0.75%$100k-24 Month Roth IRA
0.75%$100k-24 Month CESA
0.75%$100k-24 Month SEP IRA
0.65%$100k-18 Month IRA
0.65%$100k-18 Month Roth IRA
0.65%$100k-18 Month CESA
0.65%$100k-18 Month SEP IRA
0.55%$100k-12 Month IRA
0.55%$100k-12 Month Roth IRA
0.55%$100k-12 Month CESA
0.55%$100k-12 Month SEP IRA
0.45%$100k-6 Month IRA
0.45%$100k-6 Month Roth IRA
0.45%$100k-6 Month CESA
0.45%$100k-6 Month SEP IRA

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


ORANGE COUNTY'S
NCUA #68416
BankRate ReportView
Year Chartered1938
Employees231
Primary Regulator

Assets and Liabilities

Assets$988.86 million
Loans$504.54 million
Deposits$878.60 million
Equity Capital$90.47 million
Loan Loss Allowance$11.49 million
Unbacked Noncurrent Loans$9.79 million
Real Estate Owned$1.16 million

Historic Data - December 2010

Assets$950.69 million
Equity Capital$82.31 million
Loan Loss Allowance$12.47 million
Unbacked Noncurrent Loans$8.49 million
Real Estate Owned$1.67 million

Profit Margin - Quarterly

Net Interest Margin5.87%
Return on Assets0.51%
Return on Equity5.53%
Interest Income$34.40 million
Non-Interest Income$13.59 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Orange County's Credit Union had $10.95 million in non-current loans and owned real-estate with $101.95 million in equity and loan loss allowances on hand to cover it. This gives Orange County's Credit Union a Texas Ratio of 10.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Orange County's Credit Union held steady from 10.72% as of December 31, 2010 to 10.74% as of December 31, 2011, resulting in a negative change of 0.18%. This indicates that the balance sheet and financial strength for Orange County's Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Orange County's Credit Union has increased its total deposits by $27.4 million, resulting in 3.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Orange County's Credit Union has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Orange County's Credit Union has $988.86 million in assets with $101.95 million in equity, resulting in a capitalization level of 10.31%, which is above average.
Write Review

Mortgage Refinance
1 stars - JW - Friday, March 23, 2012 - 3:00 PM

The kindest words I can find are incompetent, inept and ultimately unresponsive. I won't bore you with the details. The posting of this requires givng them at least one star, for which they are catagorically unworthy. Do not waste you're time and in the end your money here. Shop elsewhere. Good Luck!

3

Debit Feature On/Off Discrepancy
1 stars - GailLong - Wednesday, August 31, 2011 - 4:49 PM

I had called Orange County Credit Union early in the year to have my debit overdraft feature "turned off".  When looking over my account online I realized that it had not been turned off.  I called them late May to "insure" this feature was turned off, spoke with them for half an hour about my concern asking to please turn this feature off as I did not want to get any overdrafts. A couple weeks ago, I noticed my debit card charges were going through and I was getting overdrafts.  I called again.  They said "yes" I had asked them to turn this feature off, but somehow it did not get turned off. I asked if they would refund my overdraft charges. After admitting they made a mistake they did not return all my overdraft charges. Then I called them again today, and they said it was not in their records that I ever called to turn off the feature, after the time before the agent said it WAS, INFACT, in their notes that I had called to have the feature turned off. Then it was not in their notes? Yikes....

2