☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Orange Countys Credit Union

iAdvertiser Disclosure

Orange Countys Credit Union Rates & Review November 2026

Q: What are the current interest rates at Orange Countys Credit Union?

Current rates for Orange Countys Credit Union include: 12-Month CD: 1.55%, 18-Month CD: 1.60%, 24-Month CD: 1.75%, 60-Month CD: 2.30%, Savings: 0.07%, MMA: 1.10%

Q: What CD terms does Orange Countys Credit Union offer?

Orange Countys Credit Union CD rates are 3.75% APY for a 6 month CD, 1.55% APY for a 12 month CD, 4.25% APY for a 14 month CD, 1.60% APY for an 18 month CD, 1.75% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.85% APY for a 4 year CD and 2.95% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Orange Countys Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Orange Countys Credit Union's 14-Month CD rates are at 4.25%, 6-Month CD rates are at 3.75%, 60 Month Term CD rates are at 2.95%, 48 Month Term CD rates are at 2.85%, 36 Month Term CD rates are at 2.75%. Orange Countys Credit Union's savings rates are at 0.07%. Orange Countys Credit Union's money market rates are at 1.10%. Orange Countys Credit Union's checking rates are as high as 0.10%. Orange Countys Credit Union's Home Loan - 5/1 Adj rates are at 5.75%, Purchase 5/1 Adj Loan rates are at 5.75%, Home Loan - 10/1 Adj rates are at 6.38%, Purchase 10/1 Adj Loan rates are at 6.38%, Home Loan - 7/1 Adj rates are at 6.38%. Orange Countys Credit Union's Personal Loan Rates are as low as 12.50%. Orange Countys Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Orange Countys Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.43%. Rates last updated and verified on 10/30/2026.

Orange Countys Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Orange Countys Credit Union? Share your experience about Orange Countys Credit Union by leaving a review below, or read customer reviews before you decide to use Orange Countys Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.43%

Excellent Lower than avg

Health Trend

Very strong 3 quarters

Full history ›

Orange Countys Credit Union
Orange County's CU

1701 E Saint Andrew Pl
Santa Ana, CA 92705

https://www.orangecountyscu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Orange Countys Credit Union CD Rates

Product	Rate	APY	Term
14-Month Certificate	4.16%	4.25%	14-month
Min Deposit $1,000 Details $1,000 Minimum Deposit; Available for IRA and Business Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6-Month Certificate	3.68%	3.75%	6-month
Min Deposit $1,000 Details $1,000 Minimum Deposit; Available for IRA and Business Accounts; Apply Online Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 3.75% / low 2.35% Oct 14, 20263.75%▲ from 2.35% Sep 22, 20262.35%▼ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Term Share Certificate	2.91%	2.95%	60-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Term Share Certificate	2.81%	2.85%	48-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Term Share Certificate	2.81%	2.85%	60-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Term Share Certificate	2.71%	2.75%	36-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Term Share Certificate	2.71%	2.75%	48-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Term Share Certificate	2.62%	2.65%	24-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Term Share Certificate	2.62%	2.65%	36-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Term Share Certificate	2.52%	2.55%	18-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Term Share Certificate	2.52%	2.55%	24-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Term Share Certificate	2.42%	2.45%	12-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Term Share Certificate	2.42%	2.45%	18-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Term Share Certificate	2.32%	2.35%	12-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Term Share Certificate	2.32%	2.35%	6-Month
Min Balance $100,000 Details $100,000 Minimum Balance To Open and Earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Term Share Certificate	2.27%	2.30%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Term Share Certificate	2.23%	2.25%	6-Month
Min Balance $25,000 Details Balance: $25,000 minimum to open and earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Term Share Certificate	2.13%	2.15%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Term Share Certificate	1.83%	1.85%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Term Share Certificate	1.73%	1.75%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Term Share Certificate	1.59%	1.60%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Term Share Certificate	1.54%	1.55%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Term Share Certificate	1.39%	1.40%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum to open and earn APY; APY is the APY1 column Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business Certificate	2.907%	2.95%	60 months
Min Deposit $100,000 Details $100,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Business Certificate	2.81%	2.85%	48 months
Min Deposit $100,000 Details Business Term Share Certificate; $100,000 Min Deposit tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Business Certificate	2.81%	2.85%	60 months
Min Deposit $25,000 Details $25,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Business Certificate	2.713%	2.75%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 Min Deposit; Dividend Rate 2.713% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Business Certificate	2.713%	2.75%	48 months
Min Deposit $25,000 Details Business Term Share Certificate; $25,000 Min Deposit tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Business Certificate	2.616%	2.65%	24 Month
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Business Certificate	2.616%	2.65%	36 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 Min Deposit; Dividend Rate 2.616% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Business Certificate	2.518%	2.55%	18 months
Min Deposit $100,000 Details Business Term Share Certificate; $100,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Business Certificate	2.518%	2.55%	24 Month
Min Deposit $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Business Certificate	2.421%	2.45%	12 months
Min Deposit $100,000 Details Effective October 19, 2026; Minimum deposit tier: $100,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Business Certificate	2.421%	2.45%	18 months
Min Deposit $25,000 Details Business Term Share Certificate; $25,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Business Certificate	2.323%	2.35%	12 months
Min Deposit $25,000 Details Effective October 19, 2026; Minimum deposit tier: $25,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Business Certificate	2.323%	2.35%	6 months
Min Deposit $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Business Certificate	2.274%	2.30%	60 months
Min Deposit $1,000 Details $1,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Business Certificate	2.225%	2.25%	6 months
Min Deposit $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
48 Month Business Certificate	2.127%	2.15%	48 months
Min Deposit $1,000 Details Business Term Share Certificate; $1,000 Min Deposit tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
36 Month Business Certificate	1.833%	1.85%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Min Deposit; Dividend Rate 1.833% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
24 Month Business Certificate	1.735%	1.75%	24 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Business Certificate	1.587%	1.60%	18 months
Min Deposit $1,000 Details Business Term Share Certificate; $1,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
12 Month Business Certificate	1.538%	1.55%	12 months
Min Deposit $1,000 Details Effective October 19, 2026; Minimum deposit tier: $1,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Business Certificate	1.39%	1.40%	6 months
Min Deposit $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Savings Rates

Product	Rate	APY
Pacific Savings (Youth Account)	0.07%	0.07%
Min Balance $250 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Regular Savings	0.07%	0.07%
Min Balance $250 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Sand Dollar Savings (Youth Account)	0.07%	0.07%
Min Balance $250 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.07%
Min Deposit $25 Min Balance $250 Details Average Monthly Balance to Avoid Service Fee: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.094%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 Min Balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Money Market	0.995%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 Min Balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Money Market	0.399%	0.40%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000 Min Balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 Min Balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Min Balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account Dividends	1.094%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 Min Balance; Average Monthly Balance to Avoid Service Fee: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account Dividends	0.995%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 Min Balance; Average Monthly Balance to Avoid Service Fee: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account Dividends	0.399%	0.40%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000 Min Balance; Average Monthly Balance to Avoid Service Fee: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account Dividends	0.30%	0.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 Min Balance; Average Monthly Balance to Avoid Service Fee: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account Dividends	0.20%	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Min Balance; Average Monthly Balance to Avoid Service Fee: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Checking Rates

Product	Rate	APY
Everyday Checking	0.07%	0.07%
Min Deposit $25 Min Balance $1,400 Details Minimum balance to obtain APY: $1,400 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Access Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Pacific Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Available to students ages 13-25; accounts held by minors require an adult as joint owner Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	-	0.10%
Min Deposit $100 Min Balance $10,000 Details Average Monthly Balance to Avoid Service Fee: $1,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Mortgage Rates

Product	Rate	Points	APR
Home Loan - 5/1 Adj	5.75%	1.000	7.004%
Details Effective October 29, 2026 09:11 AM PT; Property must be located in California Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Purchase 5/1 Adj Loan	5.75%	1.000	7.004%
Details As Low As; Today's Purchase Rates; Payment: $2,917.86 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Loan - 10/1 Adj	6.375%	1.000	7.026%
Details Effective October 29, 2026 09:11 AM PT; Property must be located in California Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Purchase 10/1 Adj Loan	6.375%	1.000	7.026%
Details As Low As; Today's Purchase Rates; Payment: $3,119.35 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Loan - 7/1 Adj	6.375%	0.625	7.122%
Details Effective October 29, 2026 09:11 AM PT; Property must be located in California Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Purchase 7/1 Adj Loan	6.375%	0.625	7.122%
Details As Low As; Today's Purchase Rates; Payment: $3,119.35 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC	7.00%	0.000	7.00%
Details As Low As; APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County's Credit Union checking account; rate cap of 12%; quarterly rate change; 10 years draw period followed by a 15 year amortized repayment period; $50.00 annual fee after first year Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Equity Loan - 15 Year Fixed	7.25%	0.000	7.25%	15 years
Details As Low As; APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County's Credit Union checking account Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.13% → 7.25% ▲ 0.13 pts · high 7.25% / low 7.13% Oct 26, 20267.25%▲ from 7.13% Oct 19, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Equity Loan - 20 Year Fixed	7.625%	0.000	7.625%	20 years
Details As Low As; APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County's Credit Union checking account Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.50% → 7.63% ▲ 0.13 pts · high 7.63% / low 7.50% Oct 26, 20267.63%▲ from 7.50% Oct 19, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 48 months	-	-	4.49%	48 months
Details APR range: 4.49% - 12.74%; Estimated payment per $1,000 borrowed: $22.81 - $26.72; Effective June 1, 2026; Subject to change anytime; Quoted rates include a 0.75% discount with minimum combined direct deposit of $500 per month, otherwise APR is 0.75% higher Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Used Auto Loan	-	-	4.74%	48 months
Details Published APR range: 4.74% - 12.99%. Estimated Payment per $1,000 Borrowed: $22.82 - $26.83; Effective June 8, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan - 60 months	-	-	4.99%	60 months
Details APR range: 4.99% - 13.24%; Estimated payment per $1,000 borrowed: $18.88 - $22.89; Effective June 1, 2026; Subject to change anytime; Quoted rates include a 0.75% discount with minimum combined direct deposit of $500 per month, otherwise APR is 0.75% higher Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Used Auto Loan	-	-	5.24%	60 months
Details Published APR range: 5.24% - 13.49%. Estimated Payment per $1,000 Borrowed: $18.93 - $23.01; Effective June 8, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan - 72 months	-	-	5.49%	72 months
Details APR range: 5.49% - 13.74%; Estimated payment per $1,000 borrowed: $16.34 - $20.48; Effective June 1, 2026; Subject to change anytime; Quoted rates include a 0.75% discount with minimum combined direct deposit of $500 per month, otherwise APR is 0.75% higher Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Used Auto Loan	-	-	5.74%	72 months
Details Published APR range: 5.74% - 13.99%. Estimated Payment per $1,000 Borrowed: $16.40 - $20.61; Effective June 8, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan - 84 months	-	-	6.39%	84 months
Details APR range: 6.39% - 14.64%; Estimated payment per $1,000 borrowed: $14.81 - $19.11; Effective June 1, 2026; Subject to change anytime; Quoted rates include a 0.75% discount with minimum combined direct deposit of $500 per month, otherwise APR is 0.75% higher Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
First-Time Auto Buyer Loan - New & Used	-	-	7.49%	60 months
Details Effective October 1, 2025. Subject to change anytime. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
First-Time Auto Buyer Loan - New & Used	-	-	7.74%	72 months
Details Effective October 1, 2025. Subject to change anytime. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New All Terrain Vehicles & Personal Watercraft Loan	-	-	12.75%	48 months
Details APR range 12.75% - 17.99%; Max term 48 months; Amount financed 80% LTV Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New Motorcycle 80% LTV	-	6.99%	48 months
Details APR range: 6.99% - 17.24%; Amount Financed: 80% LTV; Max term not available on all loan amounts; APR includes 0.25% discount with minimum direct deposit of $500 per month, otherwise 0.25% higher; Effective December 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Boats & Yachts Loan	-	6.99%	120 months
Details APR range 6.99% - 17.74%; Max term 120 months; Amount financed 80% LTV; Max Term (Months) is a maximum, not available on all loan amounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
RV Loan - New RV	-	6.99%	144 months
Details Published APR range: 6.99% - 17.99%. APR range 6.99% - 17.99%; Max term (months) 144, not available on all loan amounts; Amount financed 80% LTV; New as indicated on purchase order from dealer; 0.25% discount with minimum direct deposit of $500 per month, otherwise APR 0.25% higher; Effective December 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Motorcycle Loan - New Motorcycle 100% LTV	-	7.49%	48 months
Details APR range: 7.49% - 17.74%; Amount Financed: 100% LTV; Max term not available on all loan amounts; APR includes 0.25% discount with minimum direct deposit of $500 per month, otherwise 0.25% higher; Effective December 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
RV Loan - Used RV	-	7.49%	144 months
Details Published APR range: 7.49% - 17.99%. APR range 7.49% - 17.99%; Max term (months) 144, not available on all loan amounts; Amount financed 80% LTV; All purchases other than new as indicated on purchase order from dealer; 0.25% discount with minimum direct deposit of $500 per month, otherwise APR 0.25% higher; Effective December 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Motorcycle Loan - Used Motorcycle	-	7.99%	48 months
Details APR range: 7.99% - 17.99%; Amount Financed: 80% LTV; Max term not available on all loan amounts; APR includes 0.25% discount with minimum direct deposit of $500 per month, otherwise 0.25% higher; Effective December 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	12.50%	12 months
Details APR range: 12.50% - 17.99%; Minimum loan amount: $1,000; Effective December 1, 2025; Includes 0.25% direct deposit discount (APR 0.25% higher without required direct deposit) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loan	12.50%	24 months
Details APR range: 12.50% - 17.99%; Minimum loan amount: $1,000; Effective December 1, 2025; Includes 0.25% direct deposit discount (APR 0.25% higher without required direct deposit) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loan	12.50%	36 months
Details APR range: 12.50% - 17.99%; Minimum loan amount: $3,000; Effective December 1, 2025; Includes 0.25% direct deposit discount (APR 0.25% higher without required direct deposit) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loan	12.50%	48 months
Details APR range: 12.50% - 17.99%; Minimum loan amount: $4,000; Effective December 1, 2025; Includes 0.25% direct deposit discount (APR 0.25% higher without required direct deposit) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New All Terrain Vehicles & Personal Watercraft Loan	12.75%	48 months
Details APR range 12.75% - 17.99%; Max term 48 months; Amount financed 80% LTV Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loan	13.50%	60 months
Details APR range: 13.50% - 17.99%; Minimum loan amount: $5,000; Effective December 1, 2025; Includes 0.25% direct deposit discount (APR 0.25% higher without required direct deposit) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Yr Fixed	7.25%	0.000	7.25%	15 years
Details As Low As; Home Equity Rates Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
20 Yr Fixed	7.625%	0.000	7.625%	20 years
Details As Low As; Home Equity Rates Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Loan - 15-Yr Fixed	6.375%	0.750	6.576%	15 years
Details Effective October 29, 2026 09:11 AM PT; Property must be located in California Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Loan - 30-Yr Fixed	7.00%	0.625	7.19%	30 years
Details Effective October 29, 2026 09:11 AM PT; Property must be located in California Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.31% → 7.19% ▼ 0.12 pts · high 7.31% / low 7.19% Oct 30, 20267.19%▼ from 7.31% Oct 19, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Purchase 15-Yr Fixed	6.375%	0.750	6.576%	15 years
Details As Low As; Today's Purchase Rates; Payment: $4,321.25 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Purchase 30-Yr Fixed	7.00%	0.625	7.19%	30 years
Details As Low As; Today's Purchase Rates; Payment: $3,326.51 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Orange Countys Credit Union’s Texas Ratio stayed near 4.48% in Q4 2025 to 4.43% in Q2 2026, so its financial health has stayed very strong over the past 3 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.1B	4.43%	5.0	A+
March 31, 2026	$3.1B	3.72%	5.0	A+
December 31, 2025	$3.0B	4.48%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Orange Countys Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Orange Countys Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Orange Countys Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Orange Countys Credit Union

Website https://www.orangecountyscu.org

Address 1701 E Saint Andrew Pl, Santa Ana, CA 92705

Phone 714-755-5900

Fax 714-885-7651

President Frank Kim

CEO Kathy Jumper

Full-Time Employees 346

Part-Time Employees 9

Branch Locations 12

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.43%

Return on Assets (ROA)

0.6566%

Return on Equity (ROE)

6.1569%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

3,079,796,470

Total Amount of Shares and Deposits

2,553,753,509

Total Shares and Deposits < 1 Year

2,470,248,415

Total Shares and Deposits 1 3 Years

78,718,080

Total Shares and Deposits > 3 Years

4,787,015

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

214,540,961

Total Uninsured Shares and Deposits > $250K (F+J)

214,540,961

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,339,212,548

Total Interest Expense (Sum of items 6 8)

25,123,049

Share Certificates

16,321

Number of Accounts for Share Drafts

121,259

IRA KEOGH Accounts

4,624

Number of Accounts for Regular Shares

168,249

Non Member Deposits

Money Market Shares

8,842

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

176,372,731

Total Liabilities

2,819,948,486

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Orange Countys Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/orange-countys-credit-union-rates-review-68416">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Orange Countys Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Orange Countys Credit Union

Frequently Asked Questions About Orange Countys Credit Union

Does Orange Countys Credit Union offer CDs?

Yes. Orange Countys Credit Union current CD rates include its 14-Month CD at 4.25% APY, its 6-Month CD at 3.75% APY and its 60 Month Term CD at 2.95% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Orange Countys Credit Union NCUA insured?

Yes. Orange Countys Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Orange Countys Credit Union?

The highest Orange Countys Credit Union CD rate is its 14-Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Orange Countys Credit Union offer?

Orange Countys Credit Union CD rates are 3.75% APY for a 6 month CD, 1.55% APY for a 12 month CD, 4.25% APY for a 14 month CD, 1.60% APY for an 18 month CD, 1.75% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.85% APY for a 4 year CD and 2.95% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Orange Countys Credit Union for its full lineup.

What is the highest savings rate at Orange Countys Credit Union?

The highest Orange Countys Credit Union savings rate is its Business Savings at 0.07% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Orange Countys Credit Union?

The highest Orange Countys Credit Union money market rate is its Business Money Market Account Dividends at 1.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Orange Countys Credit Union?

The highest Orange Countys Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Orange Countys Credit Union?

The lowest Orange Countys Credit Union mortgage rate is its Home Loan - 5/1 Adj at 5.75%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Orange Countys Credit Union?

The lowest Orange Countys Credit Union auto loan rate is its New Auto Loan - 48 months at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. Orange Countys Credit Union auto loan rates are 4.49% APR for a 48 month auto loan, 4.99% APR for a 60 month auto loan, 5.49% APR for a 72 month auto loan and 6.39% APR for an 84 month auto loan.

What is the lowest personal loan rate at Orange Countys Credit Union?

The lowest Orange Countys Credit Union personal loan rate is its Personal Loan at 12.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Orange Countys Credit Union operate?

Orange Countys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Orange Countys Credit Union?

Yes, to access services at Orange Countys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Orange Countys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Orange Countys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Orange Countys Credit Union offer online and mobile banking?

Most modern institutions like Orange Countys Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.orangecountyscu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Orange Countys Credit Union rates compare?

Orange Countys Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Orange Countys Credit Union's top rates are its 14-Month CD at 4.25% APY, its Business Savings at 0.07% APY, its Business Money Market Account Dividends at 1.10% APY, its Business Checking at 0.10% APY, its Home Loan - 5/1 Adj at 5.75% and its Personal Loan at 12.50% APR, verified by MonitorBankRates on October 30, 2026.

Current Orange Countys Credit Union Rates

12-Month CD1.55%
18-Month CD1.60%
24-Month CD1.75%
60-Month CD2.30%
Savings0.07%
MMA1.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Orange Countys Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Orange Countys Credit Union Texas Ratio

Orange Countys Credit Union Health Trend

Orange Countys Credit Union CD Rates

Orange Countys Credit Union Business CD Rates

Orange Countys Credit Union Savings Rates

Orange Countys Credit Union Business Savings Rates

Orange Countys Credit Union Money Market Rates

Orange Countys Credit Union Business Money Market Rates

Orange Countys Credit Union Checking Rates

Orange Countys Credit Union Business Checking Rates

Orange Countys Credit Union Mortgage Rates

Orange Countys Credit Union Home Equity & HELOC

Orange Countys Credit Union Auto Loan Rates

Orange Countys Credit Union RV, Boat and Powersport Loan Rates

Orange Countys Credit Union Personal Loan Rates

Orange Countys Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Orange Countys Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Orange Countys Credit Union

Does Orange Countys Credit Union offer CDs?

Are CDs from Orange Countys Credit Union NCUA insured?

What is the highest CD rate at Orange Countys Credit Union?

What CD terms does Orange Countys Credit Union offer?

What is the highest savings rate at Orange Countys Credit Union?

What is the highest money market rate at Orange Countys Credit Union?

What is the highest checking rate at Orange Countys Credit Union?

What is the lowest mortgage rate at Orange Countys Credit Union?

What is the lowest auto loan rate at Orange Countys Credit Union?

What is the lowest personal loan rate at Orange Countys Credit Union?

How many branches does Orange Countys Credit Union operate?

Is a member application needed to join Orange Countys Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Orange Countys Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Orange Countys Credit Union rates compare?

Current Orange Countys Credit Union Rates

Compare to Other Credit Unions