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iAdvertiser Disclosure
Advertiser Disclosure
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 Orange Countys Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 20, 2026
Orange Countys Credit Union's Personal Loan Rates are at 12.50%. MonitorBankRates evaluates the financial stability of Orange Countys Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.12%. Rates were last updated on 03/20/2026. Orange Countys Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Orange Countys Credit Union? Share your experience about Orange Countys Credit Union by leaving a review below, or read customer reviews before you decide to use Orange Countys Credit Union. Orange Countys Credit Union
Orange Countys CU 1701 E Saint Andrew Pl
https://www.orangecountyscu.org Santa Ana, CA 92705 
Orange Countys Credit Union Mortgage Rates
Orange Countys Credit Union Home Equity & HELOC
Orange Countys Credit Union Auto Loan Rates
Orange Countys Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Orange Countys Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Orange Countys Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Orange Countys Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Orange Countys Credit Union
Website
https://www.orangecountyscu.org
Address
1701 E Saint Andrew Pl,
Santa Ana, CA 92705
Phone
714-755-5900
Fax
714-885-7651
President
Gary Burton
CEO
Kathy Jumper
Full-Time Employees
350
Part-Time Employees
5
Branch Locations
12
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.12%
Return on Assets (ROA)
0.6246%
Return on Equity (ROE)
5.9864%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
2,861,477,178
Total Amount of Shares and Deposits
2,378,400,565
Total Shares and Deposits < 1 Year
2,318,727,084
Total Shares and Deposits 1 3 Years
50,557,071
Total Shares and Deposits > 3 Years
9,116,410
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
187,453,196
Total Uninsured Shares and Deposits > $250K (F+J)
187,453,196
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,190,947,369
Total Interest Expense (Sum of items 6 8)
34,607,109
Share Certificates
15,543
Number of Accounts for Share Drafts
117,808
IRA KEOGH Accounts
4,723
Number of Accounts for Regular Shares
158,936
Non Member Deposits
6
Money Market Shares
8,838
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
230,368,192
Total Liabilities
2,632,581,629
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Orange Countys Credit UnionIs Orange Countys Credit Union a safe place to deposit money?Yes, Orange Countys Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1183814657985%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Orange Countys Credit Union operate?Orange Countys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Orange Countys Credit Union?Yes, to access services at Orange Countys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Orange Countys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Orange Countys Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Orange Countys Credit Union offer online and mobile banking?Most modern institutions like Orange Countys Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.orangecountyscu.org. Compare to Other Credit Unions
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