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 167th largest credit union in the nation. It was established in 1938 and as of September of 2020, it had grown to 314 employees and 123,428 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
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
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
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 as of Q3 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68416 |
| Year Chartered | 1938 |
| Employees | 314 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 6.2% |
| Annual Interest Income | $42.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2020vs Q3 2019 | $2.07B$1.72B |
| Loans | Q3 2020vs Q3 2019 | $1.26B$1.22B |
| Deposits | Q3 2020vs Q3 2019 | $1.81B$1.49B |
| Equity Capital | Q3 2020vs Q3 2019 | $195.0MM$182.2MM |
| Loan Loss Allowance | Q3 2020vs Q3 2019 | $8.7MM$6.6MM |
| Unbacked Noncurrent Loans | Q3 2020vs Q3 2019 | $4.2MM$3.9MM |
| Real Estate Owned | Q3 2020vs Q3 2019 | $0$0 |