Skyrocket your savings with Ignite Savings®

Blast off toward your financial goals with this high-yield savings account. Your first $500 gets an incredible rate, which makes it perfect for members just getting started.
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Benefits and features:

  • No minimum balance or deposit necessary.
  • Earn 5.25% annual percentage yield (APY)4 on the first $500 in the account.
  • Continue to earn competitive rates as your balance grows.
  • Only one account per primary membership.
  • Rewarding our members with direct deposits automatically sent to your account up to three days early.3

Find out how much you'll earn

Ignite Savings rates

Tiers Interest rate APY range
$0.00 - $500 5.13% 5.25%
$500.01 - $2,500 2.96% 5.25% - 3.45%
$2,500.01 - $5,000 1.00% 3.45% - 2.23%
$5,000.01 - $25,000 0.50% 2.23% - 0.85%
$25,000.01 + 0.15% 0.85% - 0.15%

Ignite Savings calculator

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First-year earnings
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Breakdown

Amount APY
Our Ignite Savings interest helps our savings last longer than it otherwise would have. So we get more for daddy-daughter days, more for family time and more for peace of mind.
Kim A.

Ready to take off?

When you’re committed to a savings journey, the sky’s the limit. Start yours today.

Apply now
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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.

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.