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%

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Orange Countys Credit Union

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Orange Countys Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Orange Countys Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 14 Month Special Term CD, 0.07% APY on savings, 1.10% APY on money market accounts, 0.10% APY on checking, 6.12% on its 5/1 Adj Loan mortgage, and personal loans from 12.50% APR, according to rates verified by MonitorBankRates. Other Orange Countys Credit Union CD rates include 14-Month CD at 4.25%, 6 Month Special Term CD at 3.75%, and 6-Month CD at 3.75%. Other Orange Countys Credit Union mortgage rates include 5/1 Adj Refinance at 6.12%, 10/1 Adj Loan at 6.75%, and 10/1 Adj Refinance at 6.75%. 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 10/10/2026.

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 Q2 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

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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 Special Term Share Certificate	4.16%	4.25%	14-Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
14-Month Certificate	4.16%	4.25%	14-month
Min Deposit $1,000 Min Balance $1,000 Details Available for IRA and Business Accounts4 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.25% ▼ 0.00 pts · high 4.25% / low 4.25% Sep 22, 20264.25%▼ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
6 Month Special Term Share Certificate	3.68%	3.75%	6-Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 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 Min Balance $1,000 Details Available for IRA and Business Accounts4 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 60-Month	2.27%	2.30%	60-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 48-Month	2.13%	2.15%	48-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 36-Month	1.83%	1.85%	36-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 24-Month	1.73%	1.75%	24-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 18-Month	1.59%	1.60%	18-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 12-Month	1.54%	1.55%	12-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY - 6-Month	1.39%	1.40%	6-Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.40% APY 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 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Business Certificate	2.81%	2.85%	60 Month
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 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 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 4 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 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Business Certificate	2.518%	2.55%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
18 Month Business Certificate	2.421%	2.45%	18 Month
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Month
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.35% APY · checked 4 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 Min Balance $100,000 Details Balance: $100,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
60 Month Business Certificate	2.274%	2.30%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Min Balance $25,000 Details Balance: $25,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 2 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 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.15% APY · checked 4 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 5 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 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 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 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 1.55% APY · checked 4 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 Min Balance $1,000 Details Balance: $1,000 Min Deposit Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 2 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 Details 2Youth Account. APY means Annual Percentage Yield. Rates are variable and may change after account opening. Rates shown are effective as of 01/01/2024. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Regular Savings	0.07%	0.07%
Min Balance $250 Details 1APY means Annual Percentage Yield. Rates are variable and may change after account opening. Rates shown are effective as of 01/01/2024. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Details 2Youth Account. APY means Annual Percentage Yield. Rates are variable and may change after account opening. Rates shown are effective as of 01/01/2024. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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	1.094%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account	0.995%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account	0.30%	0.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Business Money Market Account	0.20%	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Checking Rates

Product	Rate	APY	View More
Everyday Checking	0.07%	0.07%
Min Deposit $25 Min Balance $1,400 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Orange Countys Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Adj Loan	6.125%	0.750	7.06%	5/1 Adj
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.01% → 7.06% ▲ 0.05 pts · high 7.06% / low 7.01% Oct 10, 20267.06%▲ from 7.01% Sep 22, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
5/1 Adj Loan	6.125%	0.750	7.06%	5/1 Adjustable
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
5/1 Adj Loan	6.125%	0.750	7.06%	5/1 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
5/1 Adj Refinance	6.125%	0.750	7.06%	5/1
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
10/1 Adj Loan	6.75%	0.500	7.198%	10/1 Adj
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.02% → 7.20% ▲ 0.18 pts · high 7.20% / low 7.02% Oct 10, 20267.20%▲ from 7.02% Sep 22, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
10/1 Adj Loan	6.75%	0.500	7.198%	10/1 Adjustable
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
10/1 Adj Loan	6.75%	0.500	7.198%	10/1 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
10/1 Adj Refinance	6.75%	0.500	7.198%	10/1
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
7/1 Adj Loan	6.625%	0.750	7.212%	7/1 Adj
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.07% → 7.21% ▲ 0.14 pts · high 7.21% / low 7.07% Oct 10, 20267.21%▲ from 7.07% Sep 22, 20267.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
7/1 Adj Loan	6.625%	0.750	7.212%	7/1 Adjustable
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
7/1 Adj Loan	6.625%	0.750	7.212%	7/1 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
7/1 Adj Refinance	6.625%	0.750	7.212%	7/1
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.21% 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%
No additional details. Last Updated 10/10/2026 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 15 Yr Fixed	7.125%	0.000	7.125%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.13% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Home Equity 20 Yr Fixed	7.50%	0.000	7.50%	20 years
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times 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	-	-	4.49%	48 months
Details Published APR range: 4.49% - 12.74%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 5 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%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan	-	-	4.99%	60 months
Details Published APR range: 4.99% - 13.24%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 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%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan	-	-	5.49%	72 months
Details Published APR range: 5.49% - 13.74%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 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%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Auto Loan	-	-	6.39%	84 months
Details Published APR range: 6.39% - 14.64%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
First-Time Auto Buyer Loan	-	-	7.49%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
First-Time Auto Buyer Loan	-	-	7.74%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 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 Published APR range: 12.75% - 17.99%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 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
New Boats & Yachts Loan	-	6.99%	120 months
Details Published APR range: 6.99% - 17.74%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Motorcycle 80% LTV Loan	-	6.99%	48 months
Details Published APR range: 6.99% - 17.24%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New RV Loan	-	6.99%	144 months
Details Published APR range: 6.99% - 17.99%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
New Motorcycle 100% LTV Loan	-	7.49%	48 months
Details Published APR range: 7.49% - 17.74%. Amount Financed: 100% LTV Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Used RV Loan	-	7.49%	144 months
Details Published APR range: 7.49% - 17.99%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Used Motorcycle Loan	-	7.99%	48 months
Details Published APR range: 7.99% - 17.99%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 5 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 Loans	12.50%	12 months
Details Published APR range: 12.50% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loans	12.50%	24 months
Details Published APR range: 12.50% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loans	12.50%	36 months
Details Published APR range: 12.50% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loans	12.50%	48 months
Details Published APR range: 12.50% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 5 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 Published APR range: 12.75% - 17.99%. Amount Financed: 80% LTV Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Personal Loans	13.50%	60 months
Details Published APR range: 13.50% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 6 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	6.625%	0.750	6.83%	15 years
Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.58% → 6.83% ▲ 0.25 pts · high 6.83% / low 6.58% Oct 10, 20266.83%▲ from 6.58% Sep 22, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
30-Yr Fixed	7.25%	0.625	7.443%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.81%	-	2.85%	60-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.71%	-	2.75%	48-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.62%	-	2.65%	36-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.52%	-	2.55%	24-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.42%	-	2.45%	18-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.32%	-	2.35%	12-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.23%	-	2.25%	6-Month
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.91%	-	2.95%	60-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.81%	-	2.85%	48-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.71%	-	2.75%	36-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.62%	-	2.65%	24-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.52%	-	2.55%	18-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.42%	-	2.45%	12-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%
Minimum BalanceTo Open and Earn APY	2.32%	-	2.35%	6-Month
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.35% APY 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.
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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

Q2 2026 MBR Health & Safety Badge

Orange Countys Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Orange Countys Credit Union

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.

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 October 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

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Orange Countys Credit Union Business Savings Rates

Orange Countys Credit Union Business Money Market Rates

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Orange Countys Credit Union Home Equity & HELOC

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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

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?

Current Orange Countys Credit Union Rates

Compare to Other Credit Unions