Featured Savings Rates
Featured Accounts

Orange County's Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Month Term Share Certificate
1.45%4-year CD48 Month Term Share Certificate
1.20%3-year CD36 Month Term Share Certificate

Overview / Commentary
714-755-5900
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 166th largest credit union in the nation. It was established in 1938 and as of March of 2016, it had grown to 262 employees and 95,978 members at 11 locations. Orange County's Credit Union has an A health rating.

Field of Membership Restrictions

Orange County's Credit Union of California is open to the residents, registered students, businesses, accredited institutions, and the people that maintain employment within Orange and/or Riverside County, as well as, the cities/towns of Cerritos, Lakewood, Long Beach, and Signal Hill. Membership eligibility also extends to include the credit union member affiliated organizations, and the family or household members of the current credit union members.
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Reviews (3)

Hostile, Retaliatory, Revengeful Customer Services And Unethical Practices

Posted by: Anew | Oct 20, 2012

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

Posted by: JW | Mar 23, 2012

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

Posted by: GailLong | Aug 31, 2011

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....



Health
A

Health Grade Components

Overall
NCUA #68416
Year Chartered1938
Employees262
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD8.54%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.38B$1.23B
LoansQ1 2016vs Q1 2015$807.3MM$725.7MM
DepositsQ1 2016vs Q1 2015$1.21B$1.07B
Equity CapitalQ1 2016vs Q1 2015$132.1MM$119.1MM
Loan Loss AllowanceQ1 2016vs Q1 2015$5.7MM$6.5MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$3.1MM$3.7MM
Real Estate OwnedQ1 2016vs Q1 2015$0$378.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Orange County's Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Savings
0.05%$100-Sand Dollar Savings
0.05%$100-Business Edge Savings
0.05%$100-Pacific Savings

Orange County's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Money Market
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $40k | 0.25% $40k - $100k | 0.27% $100k - $250k
0.30%*$250k*-Business Edge Money Market
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $40k | 0.25% $40k - $100k | 0.27% $100k - $250k

Orange County's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Interest Checking
0.05%$100-Business Edge Interest Checking

Orange County's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-60 Month Term Share Certificate
OTHER TIERS: 1.90% $1k - $25k | 1.95% $25k - $100k
2.00%*$100k*-60 Month Business Edge Certificate
OTHER TIERS: 1.90% $1k - $25k | 1.95% $25k - $100k
1.45%*$100k*-48 Month Term Share Certificate
OTHER TIERS: 1.35% $1k - $25k | 1.40% $25k - $100k
1.45%*$100k*-48 Month Business Edge Certificate
OTHER TIERS: 1.35% $1k - $25k | 1.40% $25k - $100k
1.20%*$100k*-36 Month Term Share Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.15% $25k - $100k
1.20%*$100k*-36 Month Business Edge Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.15% $25k - $100k
0.90%*$100k*-24 Month Term Share Certificate
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $100k
0.90%*$100k*-24 Month Business Edge Certificate
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $100k
0.65%*$100k*-18 Month Term Share Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $100k
0.65%*$100k*-18 Month Business Edge Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $100k
0.60%*$100k*-12 Month Term Share Certificate
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $100k
0.60%*$100k*-12 Month Business Edge Certificate
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $100k
0.35%*$100k*-6 Month Term Share Certificate
OTHER TIERS: 0.30% $1k - $25k | 0.32% $25k - $100k
0.35%*$100k*-6 Month Business Edge Certificate
OTHER TIERS: 0.30% $1k - $25k | 0.32% $25k - $100k

Orange County's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-60 Month IRA Term Share Certificate
OTHER TIERS: 1.90% $1k - $25k | 1.95% $25k - $100k
1.45%*$100k*-48 Month IRA Term Share Certificate
OTHER TIERS: 1.35% $1k - $25k | 1.40% $25k - $100k
1.20%*$100k*-36 Month IRA Term Share Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.15% $25k - $100k
0.90%*$100k*-24 Month IRA Term Share Certificate
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $100k
0.65%*$100k*-18 Month IRA Term Share Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $100k
0.60%*$100k*-12 Month IRA Term Share Certificate
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $100k
0.35%*$100k*-6 Month IRA Term Share Certificate
OTHER TIERS: 0.30% $1k - $25k | 0.32% $25k - $100k
Locations

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