Orange County's Credit Union


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 26th 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 June of 2020, it had grown to 312 employees and 116,767 members at 10 locations. Orange County's Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Orange County's Credit Union is open to those who live or work in the California counties of Orange, Los Angeles, Riverside, or San Bernardino. Family and household members of current credit union members are also eligible.
See current membership details

Reviews (3)

Awesome Credit Union

I have been with this credit union for over 3 years now. I couldn't be more happier. They have gone above and beyond in helping me with my banking needs. The rates and products they provide are competitive. The staff is super friendly, courteous, and helpful every time I come in. Once, I brought in my mother who's not a member, in for their notary services. Our rep did a magnificent job, but she also didn't charge my mom since I was already a union member. Now that's great customer service.

Poor Digital Banking

Posted by: |

New Digital banking currently does not allow for transaction downloads to Quicken. It has been two months since digital banking went online and no dates can be given when this download feature will be added. VERY INCONVENIENT!!! All account transactions must be recorded manually.

Debit Feature On/Off Discrepancy

Posted by: |

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

Health Grade Components

Overall
NCUA #68416
Year Chartered1938
Employees312
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.36%
Annual Interest Income$28.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.99B$1.69B
LoansQ2 2020vs Q2 2019$1.28B$1.21B
DepositsQ2 2020vs Q2 2019$1.73B$1.46B
Equity CapitalQ2 2020vs Q2 2019$191.4MM$179.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$7.5MM$5.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$3.6MM$3.5MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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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 cannot provide official rates or promotions.

* 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-Pacific Savings

Orange County's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$250k*-Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $40k | 0.25% $40k - $100k | 0.30% $100k - $250k

Orange County's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$100-Interest Checking

Orange County's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$100k*-60 Month Term Share Certificate
OTHER TIERS: 1.00% $1k - $25k | 1.05% $25k - $100k
1.05%*$100k*-48 Month Term Share Certificate
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $100k
1.00%*$100k*-36 Month Term Share Certificate
OTHER TIERS: 0.80% $1k - $25k | 0.90% $25k - $100k
0.95%*$100k*-24 Month Term Share Certificate
OTHER TIERS: 0.75% $1k - $25k | 0.85% $25k - $100k
0.85%*$100k*-18 Month Term Share Certificate
OTHER TIERS: 0.65% $1k - $25k | 0.75% $25k - $100k
0.75%*$100k*-12 Month Term Share Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.70% $25k - $100k
0.60%*$100k*-6 Month Term Share Certificate
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $100k

Orange County's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$100k*-60 Month IRA Term Share Certificate
OTHER TIERS: 1.00% $1k - $25k | 1.05% $25k - $100k
1.05%*$100k*-48 Month IRA Term Share Certificate
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $100k
1.00%*$100k*-36 Month IRA Term Share Certificate
OTHER TIERS: 0.80% $1k - $25k | 0.90% $25k - $100k
0.95%*$100k*-24 Month IRA Term Share Certificate
OTHER TIERS: 0.75% $1k - $25k | 0.85% $25k - $100k
0.85%*$100k*-18 Month IRA Term Share Certificate
OTHER TIERS: 0.65% $1k - $25k | 0.75% $25k - $100k
0.75%*$100k*-12 Month IRA Term Share Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.70% $25k - $100k
0.60%*$100k*-6 Month IRA Term Share Certificate
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $100k
Locations


Cities: Anaheim, Fountain Valley, Fullerton, Irvine, Lake Forest, Long Beach, Mission Viejo, Santa Ana, Yorba Linda

Anaheim Branches
Branch Office2390 E Orangewood Ave Ste 106Anaheim, CA 92806

Fountain Valley Branches
Branch Office18287 Brookhurst StFountain Valley, CA 92708-6753

Fullerton Branches
Branch Office1469 S Harbor BlvdFullerton, CA 92832

Irvine Branches
Branch Office6448 Irvine BlvdIrvine, CA 92620

Lake Forest Branches
Branch Office21791 Lake Forest Dr Ste 110Lake Forest, CA 92630

Long Beach Branches
Branch Office1800 Ximeno Ave Ste 101CLong Beach, CA 90815

Mission Viejo Branches
Branch Office28221 Marguerite Pkwy Ste 7Mission Viejo, CA 92692-3722

Santa Ana Branches
Branch Office1721 E Saint Andrew PlSanta Ana, CA 92705
Branch Office856 N Ross StSanta Ana, CA 92701

Yorba Linda Branches
Branch Office17504 Yorba Linda BlvdYorba Linda, CA 92886

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