¹²The IRA annual percentage yields (APY) and rates are current as of 06/06/2025. There is a minimum balance requirement of $500 to open a traditional or Roth IRA account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings. See all rates and fees associated with OCCU certificate accounts here.

¹⁰Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.

¹¹1.00% annual percentage yield (APY) on balances between $0 to $24,999.99; 1.10% APY on balances between $25,000.00 to $99,999.99; 1.20% APY on balances $100,000 or more. APY & rate may change. Fees could reduce earnings. Rates accurate as of 05/06/2025.

⁵Money Market account APY & rate may change. Fees could reduce earnings. 0.50% APY on balances $500-$4,999.99, 1.00% APY on balances $5,000-$249,999.99, 1.10% APY on balances $250,000 or more.

⁹Promotion is for a 7-month CD with an APY of 4.00%. Annual percentage yield (APY) accurate as of 06/06/2025. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details.

⁸The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 06/06/2025. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.

⁷Primary Savings account APY & rate may change. There is a minimum opening balance requirement of $5. Fees could reduce earnings.

⁶Holiday or Tax Savings account APY & rate may change. There is a minimum opening balance requirement of $25. Fees could reduce earnings.

⁴Ignite Savings account annual percentage yield (APY) and rate may change. Fees could reduce earnings. 5.25% APY on balances up to $500, 5.25%-3.45% APY on balances $500.01-$2,500, 3.45%-2.23% APY on balances $2,500.01-$5,000, 2.23%-0.85% APY on balances $5,000.01-$25,000, and 0.85%-0.15% APY on balances of more than $25,000.01. First-year earnings are based on a 12-month average. APY effective 05/06/2025 and subject to change.

³Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. OCCU may, but shall not be required to under any circumstances, make these funds available on the day the payment file is received, which may be up to three (3) days earlier than the scheduled payment date. OCCU does not assume any liability for not depositing these funds to your account early. OCCU may terminate early access at any time without notice.