1 star ratingAverage User Rating:
1 star rating based on 3 reviews.

Orange County's Credit Union

Orange County's Credit Union Locations
1701 E Saint Andrew Place
Santa Ana, CA 92705
(714) 755-5900
www.orangecountyscu.org

NCUA


Orange County's Credit Union is headquartered in Santa Ana and is the 33rd largest credit union in the state of California. It is also the 186th largest credit union in the nation. It was established in 1938 and as of December of 2012, it had grown to 226 employees and 82,925 members. Orange County's Credit Union has a 5-star health rating.

Orange County's Credit Union Routing Number: 322281989

Related Posts

2.75% 5-Year Jumbo CD At Orange County's Credit Union In Socal - Local Only (Forum) - 10/21/2010

For those in Southern California, this credit union appears to have some of the best long-term CD rates. As of 10/21/2010: 2.75% APY 5-year CD, min $100K 2.45% APY 4-year CD, min $100K 2.10% APY 3-year CD, min $100K Credit union is open to those

Competitive Long-Term CD Rates at Orange County's Credit Union in SoCal - Local Only - 7/23/2010

Orange County's Credit Union is offering some competitive long-term CD rates. The most competitive is the 5-year Jumbo CD with a 3.15% APY. There's also a 2.35% APY 3-year Jumbo CD and a 2.80% APY 4-y ...

5.35% 7-Month / 5.20% 27-Month CD at a California CU (Orange County) - 11/27/2007

Orange County's Credit Union has some competitive rates on its certificate specials with a yield of 5.35% APY for a 7-month term and a yield of 5.20% APY for a 15 and 27 month term. The minimum deposit is $100K. Certificates with a minimum deposit of...



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

Orange County's Credit Union Checking Account Rates

ApyMinMaxProduct
0.05%$100-Interest Checking
0.05%$100-Business Edge Interest Checking

Orange County's Credit Union Savings Account Rates

ApyMinMaxProduct
0.10%$100-Regular Savings
0.10%$100-Sand Dollar Savings
0.10%$100-Business Edge Savings

Orange County's Credit Union Money Market Rates

ApyMinMaxProduct
0.30%$250k-Money Market
0.30%$250k-Business Edge Money Market

Orange County's Credit Union CD Rates

ApyMinMaxProduct
1.35%$100k-60 Month Term Share Certificate
1.35%$100k-60 Month Business Edge Certificate
1.10%$100k-48 Month Term Share Certificate
1.10%$100k-48 Month Business Edge Certificate
0.85%$100k-36 Month Term Share Certificate
0.85%$100k-36 Month Business Edge Certificate
0.65%$100k-24 Month Term Share Certificate
0.65%$100k-24 Month Business Edge Certificate
0.50%$100k-12 Month Term Share Certificate
0.50%$100k-12 Month Business Edge Certificate
0.45%$100k-6 Month Term Share Certificate
0.45%$100k-6 Month Business Edge Certificate

Orange County's Credit Union IRA Rates

ApyMinMaxProduct
1.35%$100k-60 Month IRA Term Share Certificate
1.35%$100k-60 Month Roth IRA Term Share Certificate
1.35%$100k-60 Month CESA Term Share Certificate
1.35%$100k-60 Month SEP IRA Term Share Certificate
1.10%$100k-48 Month IRA Term Share Certificate
1.10%$100k-48 Month Roth IRA Term Share Certificate
1.10%$100k-48 Month CESA Term Share Certificate
1.10%$100k-48 Month SEP IRA Term Share Certificate
0.85%$100k-36 Month IRA Term Share Certificate
0.85%$100k-36 Month Roth IRA Term Share Certificate
0.85%$100k-36 Month CESA Term Share Certificate
0.85%$100k-36 Month SEP IRA Term Share Certificate
0.65%$100k-24 Month IRA Term Share Certificate
0.65%$100k-24 Month Roth IRA Term Share Certificate
0.65%$100k-24 Month CESA Term Share Certificate
0.65%$100k-24 Month SEP IRA Term Share Certificate
0.50%$100k-12 Month IRA Term Share Certificate
0.50%$100k-12 Month Roth IRA Term Share Certificate
0.50%$100k-12 Month CESA Term Share Certificate
0.50%$100k-12 Month SEP IRA Term Share Certificate
0.45%$100k-6 Month IRA Term Share Certificate
0.45%$100k-6 Month Roth IRA Term Share Certificate
0.45%$100k-6 Month CESA Term Share Certificate
0.45%$100k-6 Month SEP IRA Term Share Certificate

Rates updated: 5/24/2013

Data for Q4 2012


Institution Statistics


ORANGE COUNTY'S
NCUA #68416
BankRate ReportView
Year Chartered1938
Employees226
Primary Regulator

Assets and Liabilities

Assets$1.06 billion
Loans$502.55 million
Deposits$939.55 million
Equity Capital$99.04 million
Loan Loss Allowance$10.80 million
Unbacked Noncurrent Loans$5.89 million

Historic Data - December 2011

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

Profit Margin - Quarterly

Net Interest Margin5.53%
Return on Assets0.7%
Return on Equity7.54%
Interest Income$32.88 million
Non-Interest Income$17.24 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Orange County's Credit Union had $5.89 million in non-current loans and owned real-estate with $109.84 million in equity and loan loss allowances on hand to cover it. This gives Orange County's Credit Union a Texas Ratio of 5.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Orange County's Credit Union decreased significantly from 10.74% as of December 31, 2011 to 5.36% as of December 31, 2012, resulting in a positive change of 50.08%.This indicates that the balance sheet and financial strength for Orange County's Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, Orange County's Credit Union has increased its total deposits by $60.95 million, resulting in 6.94% 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 excellent.
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 $1.06 billion in assets with $109.84 million in equity, resulting in a capitalization level of 10.36%, which is above average.
Write Review

Hostile, Retaliatory, Revengeful Customer Services And Unethical Practices
1 stars - Anew - Saturday, October 20, 2012 - 7:24 PM

If you, a customer of Orange County Credit Union (OCCU) make a complaint against its employees, who will conspire their co-workers all the way up to L. Savoit (Sr VP/Chief Operating Officer) to cripple you from all of your banking transactions. She said, "It is the credit union's policy." It happened to me. The branch manager, A. Chavez singled me out at the branch bullying me and shouting, "L. Savoit had sent you a letter; you have no right to talk to employees, make complaints at OCCU. You can only bank online. Leave NOW." She then called all the other branches to watch out for my presence and to prohibit me from doing transactions at the branch. I contacted OCCU's CEO S. Miytashiro, she approved the bullying conduct of L. Savoit and refused to respond my letters. The Dept of Financial Institutions (DFI) investigated the horrific and retaliatory operation of OCCU. L. Savoit replied to DFI defending the bullying employees and turned her lethal mouth to attack me saying, "Based on the advice of legal counsel and your actions, we restrict your banking at OCCU to electronic methods only." How do I make deposits and withdraw large sum? L. Savoit is power hungry and she demonstrated using her abusive power against customers. Such outrageous dictator practice of OCCU is barbaric, unethical, and has caused my financial hardship. The perpetrators of OCCU got away from their malicious conduct unpunished. I agreed with the other victims from the reviews that the employees of OCCU play ignorant, anti-customers, and out of control. I strongly not recommend this credit union to anyone!

7

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!

4

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....

3