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. The promotion not apply to commercial vehicles. Existing OC Federal auto loans are not eligible for this offer. Rate is subject to a 90-day seasoning period and applies to refinance and lease buybacks on 2020 or newer vehicles with under 85,000 miles, LTV up to 100%, a maximum term of 72-months, FICO score 760 and above, and a minimum loan amount of $20,000. Automatic monthly payments from an OC Federal draft account are required, and all secured vehicles used as collateral must be titled and carry collision and comprehensive insurance. A sample $25,000 auto loan would result in 72-monthly payments of $406.13.

3. APY = Annual percentage yield. Promotional rate is excluded from the Member Appreciation Program and requires a minimum deposit of $500. An early withdrawal penalty may be imposed for early withdrawals. At maturity, the certificate will renew at the rate in effect on the renewal date. Promotion ends January 31, 2026. All offers are subject to OC Federal’s standard deposit policies and membership eligibility. Offers are for retail accounts, unless otherwise stated. Membership eligibility requires the purchase of a $5.00 membership share held in a share savings account. Fees may reduce earnings. Please see an OC Federal Credit Union representative for full details. Insured by the NCUA up to $250,000.
4. APY = Annual Percentage Yield. Promotional offer is for $25,000 in new money only. Rate is variable and may change at any time without notice. If the balance falls below $25,000 no dividend will be earned for that period. All offers are subject to OC Federal’s standard deposit policies and membership eligibility. Offers are for retail accounts, unless otherwise stated. Membership eligibility requires the purchase of a $5.00 membership share held in a share savings account. Fees may reduce earnings. Please see an OC Federal Credit Union representative for full details. Insured by the NCUA up to $250,000.