Credit union · NCUA insured
OC Federal Credit Union Savings Rates
OC Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 17, 2026.
How OC Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cleveland, OH, where OC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OC Federal Credit Union
0.10%APY
- Minimum
- $0
- Earns on $10,000 a year
- $10
Money Market
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
OC Federal Credit Union savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0003.75%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where OC Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account Special
3.75%APY
Membership eligibility requires the purchase of a $5.00 membership share held in a share savings account. Rate is variable and may change at any time without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upPromotional offer is for $25,000 in new money only. If the balance falls below $25,000 no dividend will be earned for that period.$25,000 and up | 3.75% | — | Promotional offer is for $25,000 in new money only. If the balance falls below $25,000 no dividend will be earned for that period. |
Sources (1)
- ocfederal.com/money-market-special-3 · captured Oct 6, 2026
Money Market
0.10%APY
Membership requires the purchase of one $5.00 membership share maintained in a share savings account. Dividends are anticipated, variable, and paid monthly on the average daily balance of funds over $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Must have a balance of at least $1,000 to earn dividends. | 0.10% | $10 | Must have a balance of at least $1,000 to earn dividends. |
| $25,000 – $100,000Must have a balance of at least $1,000 to earn dividends. | 0.85% | — | Must have a balance of at least $1,000 to earn dividends. |
| $100,000 and upMust have a balance of at least $1,000 to earn dividends. | 1.85% | — | Must have a balance of at least $1,000 to earn dividends. |
Sources (2)
All captured Oct 6, 2026
Share Savings
0.01%APY
Establishes credit union membership; requires purchase of one $5.00 membership share. Held individually or jointly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Dividends paid quarterly and may change quarterly. $100 minimum balance required to earn dividends ($5 under age 18). | 0.01% | $1 | Dividends paid quarterly and may change quarterly. $100 minimum balance required to earn dividends ($5 under age 18). |
| $25,000 – $1,000,000Dividends paid quarterly and may change quarterly. $100 minimum balance required to earn dividends ($5 under age 18). | 0.05% | — | Dividends paid quarterly and may change quarterly. $100 minimum balance required to earn dividends ($5 under age 18). |
Sources (3)
- ocfederal.com/bank/savings
- ocfederal.com/links/consumer-dividend-rates
- ocfederal.com/links/catholic-dividend-rates
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
3.00%APY
Short-term club savings account. Can be opened at any time during the year. Funds/entire balance are transferred to Share Savings Account on disbursement date November 1. Early withdrawals subject to a $5 withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Promotional rate paid annually and may change annually. Maximum balance eligible for dividends is $5,000. Disbursement date is November 1. $5 minimum deposit to open.Up to $5,000 | 3.00% | — | Promotional rate paid annually and may change annually. Maximum balance eligible for dividends is $5,000. Disbursement date is November 1. $5 minimum deposit to open. |
Sources (2)
All captured Oct 6, 2026
Genesis Savings
3.00%APY
Youth savings account for students ages 5 to 22. Joint account application required with the student as primary member and parent/guardian as joint owner. Requires eStatements to avoid monthly fee. At age 23, balance transfers to standard Share Savings Account earning standard rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Promotional rate paid quarterly on balances up to $5,000. $5 minimum deposit required to open and earn dividends. $0 monthly fee with eStatements.Up to $5,000 | 3.00% | — | Promotional rate paid quarterly on balances up to $5,000. $5 minimum deposit required to open and earn dividends. $0 monthly fee with eStatements. |
Sources (3)
- ocfederal.com/bank/savings
- ocfederal.com/links/consumer-dividend-rates
- ocfederal.com/bank/genesis-savings
All captured Oct 6, 2026
Vacation Club
3.00%APY
Short-term club savings account. Can be opened at any time during the year. Funds/entire balance are transferred to Share Savings Account on disbursement date June 1. Early withdrawals subject to a $5 withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Promotional rate paid annually and may change annually. Maximum balance eligible for dividends is $5,000. Disbursement date is June 1. $5 minimum deposit to open.Up to $5,000 | 3.00% | — | Promotional rate paid annually and may change annually. Maximum balance eligible for dividends is $5,000. Disbursement date is June 1. $5 minimum deposit to open. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
1.00%APY
Individual Retirement Account savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate paid quarterly and may change quarterly. $5 minimum balance to open, $100 minimum balance to earn dividends ($5 under age 18).Any balance | 1.00% | $100 | Variable rate paid quarterly and may change quarterly. $5 minimum balance to open, $100 minimum balance to earn dividends ($5 under age 18). |
Sources (2)
All captured Oct 6, 2026
Who can join OC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Joining the Ohio Catholic Foundation makes you eligible for membership if your primary residence is in the state of Ohio.
Military, government and schools
- Any member, employee, and student of a Catholic Diocese in the state of Ohio (including its parishes, schools, services, ministries, organizations, or entities) whose primary residence is in Ohio is eligible.
Family and household
- Immediate family or household members of an eligible OC Federal member who have their primary residence in Ohio are eligible.
Cost to join
- Membership requires a $5 minimum opening deposit to a Share Savings account.
Membership information collected October 5, 2026.