Share (Savings) Accounts

From regular savings accounts to CDs and Money Management, our comprehensive investment options help strengthen your financial future – short and long term. By creating savings and building on investments, you can face the future with confidence and financial security. Let us help you get started!

Share Savings

This is your “core” membership account. Your only requirement is to maintain a $5.00 balance in this account at all times to remain a member of OCCU in good standing.  No fees, no hassle, lots of choices!

This account is a complete savings program designed to maximize the earning dividends accrued daily and compounded quarterly.

The Dividend Rate and Annual Percentage Yield (APY) may change at any time, as determined by the Board of Directors.

You will receive a quarterly statement on this account, or you can save paper, and help the environment by signing up for E-statements.


Important Notice!


Savings (SHARE) Accounts: During any month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes CU Online banking account transfers and Overdraft Protection Transfers. Beginning January 1, 2016 we will begin assessing a $5.00 fee for each item over 6 transactions.


Special Saving

The Special Savings accounts are designed for you to save for a special purpose – a new home, new baby, special vacation … You decide!

The Dividend Rate and Annual Percentage Yield (APY) may change at any time, as determined by the Board of Directors.

Your statement on this account will be combined with your regular Savings statement, or you can save paper – and help the environment – by signing up for e-statements.

Christmas Club/Holiday Club

An account that earns dividends while you save for your holiday expenses! No minimum balance requirements.

Dividends are compounded and paid quarterly. The Dividend Rate and Annual Percentage Yield (APY) may change at any time, as determined by the Board of Directors.

The payment of the Christmas Club funds is done the first week in October each year, and the funds are transferred to your savings or checking account per your instruction. Withdrawals are not allowed on this account.  For any reason if this account is closed you cannot re-open it until October of the following year.

Investment Options

Investment Rates

Money Management Account

This is an insured “adjustable rate” account, competitive with Money Market Mutual Funds. Interest accrues daily, and is paid monthly on the last day of each month.

Your interest rate is earned based on the following account balance tiers:

$2,500 – $9,999
$10,000 – $24,999
$25,000 – $49,999
$50,000 or more
The rate is established monthly, on the 1st of each month. Minimum balance of $2,500 is required, unlimited personal withdrawals, and a limit of six (6) telephone or Internet transfers per month, minimum transfer $500. No more than (3) transfers may be made by check.

Certificate of Deposit (CDs)

A comprehensive certificate of deposit program. Attractive and competitive rates with minimum term requirements permitted by the statutes, and reasonable minimum deposit requirements. Choose short term or longer term investments periods from 90 days to 60 months.

10 Year Membership Club

OCCU members that complete 10 years of membership with us will be entitled to Free Mailed Paper Statements.

Important: As notified in your eblast, statements, & newsletter, Our Loan Department will be on hold June 19th - July 5th, 2024. Please Plan Accordingly! For Credit Card Issues - Call phone numbers list below on this front page.