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Orange County's Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 26th largest credit union in the state of California. It is also the 170th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 333 employees and 141,603 members at 11 locations. Orange County's Credit Union's CD rates are 3X the national average, and it 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

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68416
Year Chartered1938
Employees333
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD9.15%
Annual Interest Income$31.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.79B$2.68B
LoansQ1 2025vs Q1 2024$2.13B$1.94B
DepositsQ1 2025vs Q1 2024$2.33B$2.22B
Equity CapitalQ1 2025vs Q1 2024$209.7MM$184.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19.4MM$16.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.5MM$10.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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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