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Orange County's Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.orangecountyscu.org
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 25th largest credit union in the state of California. It is also the 167th largest credit union in the nation. It was established in 1938 and as of December of 2024, it had grown to 338 employees and 140,106 members at 11 locations. Orange County's Credit Union's CD rates are 3X the national average, and it has a B+ 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

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68416
Year Chartered1938
Employees338
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD6.58%
Annual Interest Income$118.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.74B$2.58B
LoansQ4 2024vs Q4 2023$2.05B$1.9B
DepositsQ4 2024vs Q4 2023$2.25B$2.12B
Equity CapitalQ4 2024vs Q4 2023$199.2MM$183.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$17.4MM$16MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$10.6MM$10.1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
0.07%$250-Regular Savings
0.07%$250-Sand Dollar Savings
0.07%$250-Pacific Savings
0.07%$250-Business Savings Rates

Orange County's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-Money Market
OTHER TIERS: 0.20% → $2.5k - $25k | 0.30% → $25k - $40k | 0.40% → $40k - $100k | 1.00% → $100k - $250k
1.10%*$250k*-Business Money Market Account
OTHER TIERS: 0.20% → $2.5k - $25k | 0.30% → $25k - $40k | 0.40% → $40k - $100k | 1.00% → $100k - $250k

Orange County's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$10k-Business Checking Account
0.07%$600-Interest Checking

Orange County's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-8 Month Term Share Certificate Special
4.25%$1k-Business 8 Month Term Share Certificate Special
3.75%$1k-9 Month Term Share Certificate Special
3.75%$1k-Business 9 Month Term Share Certificate Special
3.60%$1k-14 Month Term Share Certificate Special
3.60%$1k-Business 14 Month Term Share Certificate Special
2.95%*$100k*-60 Month Term Share Certificate
OTHER TIERS: 2.30% → $1k - $25k | 2.85% → $25k - $100k
2.95%*$100k*-Business 60 Month Term Share Certificate
OTHER TIERS: 2.30% → $1k - $25k | 2.85% → $25k - $100k
2.85%*$100k*-48 Month Term Share Certificate
OTHER TIERS: 2.15% → $1k - $25k | 2.75% → $25k - $100k
2.85%*$100k*-Business 48 Month Term Share Certificate
OTHER TIERS: 2.15% → $1k - $25k | 2.75% → $25k - $100k
2.75%*$100k*-36 Month Term Share Certificate
OTHER TIERS: 1.85% → $1k - $25k | 2.65% → $25k - $100k
2.75%*$100k*-Business 36 Month Term Share Certificate
OTHER TIERS: 1.85% → $1k - $25k | 2.65% → $25k - $100k
2.65%*$100k*-24 Month Term Share Certificate
OTHER TIERS: 1.75% → $1k - $25k | 2.55% → $25k - $100k
2.65%*$100k*-Business 24 Month Term Share Certificate
OTHER TIERS: 1.75% → $1k - $25k | 2.55% → $25k - $100k
2.55%*$100k*-18 Month Term Share Certificate
OTHER TIERS: 1.60% → $1k - $25k | 2.45% → $25k - $100k
2.55%*$100k*-Business 18 Month Term Share Certificate
OTHER TIERS: 1.60% → $1k - $25k | 2.45% → $25k - $100k
2.45%*$100k*-12 Month Term Share Certificate
OTHER TIERS: 1.55% → $1k - $25k | 2.35% → $25k - $100k
2.45%*$100k*-Business 12 Month Term Share Certificate
OTHER TIERS: 1.55% → $1k - $25k | 2.35% → $25k - $100k
2.35%*$100k*-6 Month Term Share Certificate
OTHER TIERS: 1.40% → $1k - $25k | 2.25% → $25k - $100k
2.35%*$100k*-Business 6 Month Term Share Certificate
OTHER TIERS: 1.40% → $1k - $25k | 2.25% → $25k - $100k

Orange County's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-8 Month IRA Term Share Certificate Special
3.75%$1k-9 Month IRA Term Share Certificate Special
3.60%$1k-14 Month IRA Term Share Certificate Special
2.95%*$100k*-60 Month IRA Term Share Certificate
OTHER TIERS: 2.30% → $1k - $25k | 2.85% → $25k - $100k
2.85%*$100k*-48 Month IRA Term Share Certificate
OTHER TIERS: 2.15% → $1k - $25k | 2.75% → $25k - $100k
2.75%*$100k*-36 Month IRA Term Share Certificate
OTHER TIERS: 1.85% → $1k - $25k | 2.65% → $25k - $100k
2.65%*$100k*-24 Month IRA Term Share Certificate
OTHER TIERS: 1.75% → $1k - $25k | 2.55% → $25k - $100k
2.55%*$100k*-18 Month IRA Term Share Certificate
OTHER TIERS: 1.60% → $1k - $25k | 2.45% → $25k - $100k
2.45%*$100k*-12 Month IRA Term Share Certificate
OTHER TIERS: 1.55% → $1k - $25k | 2.35% → $25k - $100k
2.35%*$100k*-6 Month IRA Term Share Certificate
OTHER TIERS: 1.40% → $1k - $25k | 2.25% → $25k - $100k
Locations

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