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1701 E Saint Andrew Pl
Santa Ana, CA 92705

Orange County's Credit Union is headquartered in Santa Ana and is the 29th largest credit union in the state of California. It is also the 178th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 238 employees and 87,784 members. Orange County's Credit Union has a A health rating.

Field of Membership Restrictions

Membership is available to anyone who lives or works in Orange or Riverside Counties and the neighboring communities of Long Beach, Signal Hill, Lakewood, and Cerritos. You may also be eligible if you have a relative who is currently a member of Orange County's Credit Union or you work for one of our Select Employer Groups. There is a one time $10 Membership fee and a savings account can be opened with a minimum opening deposit of $25. - See Details

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Reviews (3)

Hostile, Retaliatory, Revengeful Customer Services And Unethical Practices

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!

Mortgage Refinance

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!

Debit Feature On/Off Discrepancy

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....


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Orange County's Credit Union had $6.44 million in non-current loans and owned real-estate with $113.63 million in equity and loan loss allowances on hand to cover it. This gives Orange County's Credit Union a Texas Ratio of 5.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Orange County's Credit Union experienced no significant changes from 5.44% as of March 31, 2013 to 5.66% as of March 31, 2014, resulting in a negative change of 4.21%. This indicates that the balance sheet and financial strength for Orange County's Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Orange County's Credit Union has increased its total deposits by $25.5 million, resulting in 2.61% 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.



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 $1.15 billion in assets with $113.63 million in equity, resulting in a capitalization level of 9.90%, which is above average.

Institution Statistics

NCUA #68416
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$1.15 billion
Loans$615.50 million
Deposits$1.00 billion
Equity Capital$105.62 million
Loan Loss Allowance$8.01 million
Unbacked Noncurrent Loans$6.44 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.10 billion
Equity Capital$101.87 million
Loan Loss Allowance$10.03 million
Unbacked Noncurrent Loans$6.44 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets1.36%
Return on Equity14.76%
Interest Income$8.40 million

Always verify rates and promotions with the bank or credit union. We are not Orange County's Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Orange County's Credit Union Savings Account Rates

0.05%$100-Regular Savings
0.05%$100-Sand Dollar Savings
0.05%$100-Business Edge Savings

Orange County's Credit Union Money Market Rates

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

Orange County's Credit Union Checking Account Rates

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

Orange County's Credit Union CD Rates

2.15%$100k-60 Month Term Share Certificate
2.15%$100k-60 Month Business Edge Certificate
1.65%$100k-48 Month Term Share Certificate
1.65%$100k-48 Month Business Edge Certificate
1.30%$100k-36 Month Term Share Certificate
1.30%$100k-36 Month Business Edge Certificate
0.90%$100k-24 Month Term Share Certificate
0.90%$100k-24 Month Business Edge Certificate
0.60%$100k-12 Month Term Share Certificate
0.60%$100k-12 Month Business Edge Certificate
0.50%$100k-6 Month Term Share Certificate
0.50%$100k-6 Month Business Edge Certificate

Orange County's Credit Union IRA Rates

2.15%$100k-60 Month IRA Term Share Certificate
1.65%$100k-48 Month IRA Term Share Certificate
1.30%$100k-36 Month IRA Term Share Certificate
0.90%$100k-24 Month IRA Term Share Certificate
0.60%$100k-12 Month IRA Term Share Certificate
0.50%$100k-6 Month IRA Term Share Certificate

Orange County's Credit Union has 11 locations. Click to view all Orange County's Credit Union locations.