1. APY=Annual Percentage Yield. A qualifying direct deposit must be made to the High-Yield Checking Account, be received within 30 days of account opening, be on-going, and total $300 or more each month.  Average daily balance of $2,500 must be maintained to avoid monthly fee. Fees may reduce earnings. Promotional rate is earned on balances from $2,500 to $15,000. OC Federal Credit Union may change or discontinue the program at any time without notice. This account is a variable rate accounts, and the APY may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. The minimum deposit to open the Checking with Dividends Account is $25. For additional account information, please see the Truth-in-Savings disclosure. OC Federal may discontinue or modify this offer without notice. Insured by NCUA.
2. APR = Annual Percentage Rate. Subject to creditworthiness and OC Federal Credit Union lending policies. The advertised rate is the minimum rate available and may vary based on creditworthiness and term. Promotional period is November 1 through April 30, 2025. Offer for lease buyout or refinance only. Loans are subject to a 90-day seasoning period to qualify for the refinance promotion. No other loan discounts valid with this offer. Minimum 750 credit score required for stated promotional rate. Maximum term to receive offer is 72 months. Other rates and terms available. This offer is only available on consumer vehicle loans, not commercial vehicles. Minimum loan amount $10,000. Vehicle must be 2019 model year or newer with less than 75,000 miles to receive promotional rate. Automatic monthly payments from an OC Federal Credit Union deposit account required to receive promotional rate. Collision and comprehensive insurance required on all titled vehicles that are secured. Existing OC Federal Credit Union auto loans are not eligible for this offer. 5.99.% APR based on rate of 5.74% $32,200 amount financed for 72 months including a maximum loan documentation fee total of $225 will have monthly payment of $526.06. OC Federal Credit Union may change or discontinue the program at any time without notice. All stated offers are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account.

3. APY = Annual percentage yield. The advertised rate is the maximum rate available for this term. Promotional rate is excluded from the Member Appreciation Program. Not available to Business or Catholic Organizations. Minimum opening deposit is $500 with a maximum of $250,000. An early withdrawal penalty may be imposed for early withdrawals. Fees may reduce earnings on the account. The certificate term is 6 months and will renew at the current 6 month certificate rate. Stated offer is valid beginning February 3, 2025 and can be modified or canceled at any time. Certain terms and conditions apply. Membership in the Credit Union is required. Insured by NCUA.
4. APY = Annual Percentage Yield. Subject to OC Federal’s standard deposit policies and membership eligibility. The advertised rate is the maximum rate available. In order to receive the promotional rate: the initial $25,000 of funds must be new money not currently on deposit at the credit union; This promotional money market is only available for personal memberships; business and organizational/non-profit memberships are not eligible. Rate is a variable rate and may change at any time without notice. If the balance falls below $25,000 no dividends will be earned for that period. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. OC Federal may modify or discontinue this promotion at any time without notice. Fees may reduce earnings. Insured by NCUA.