Credit union · NCUA insured
Orange County's Federal Credit Union CD Rates
Orange County's Federal Credit Union’s best CD rate is 2.95% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Orange County's Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Orange County's Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Orange County's Federal Credit Union
2.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,204
Term Share Certificates
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Orange County's Federal Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo1.40%
- 9–15 months9–15 mo1.55%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.30%
- QualifiedQualified2.30%
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 Orange County's Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 2.30%APY · 7 terms
Dividends compounded daily and paid monthly. Early withdrawal penalties apply. Automatic reinvestment at maturity. Membership requirements apply.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.40% | 2.25% | 2.35% | 1.40%2.25% from $25k2.35% from $100k | $70 |
| 12 months | 1.55% | 2.35% | 2.45% | 1.55%2.35% from $25k2.45% from $100k | $155 |
| 18 months | 1.60% | 2.45% | 2.55% | 1.60%2.45% from $25k2.55% from $100k | $241 |
| 24 months | 1.75% | 2.55% | 2.65% | 1.75%2.55% from $25k2.65% from $100k | $353 |
| 36 months | 1.85% | 2.65% | 2.75% | 1.85%2.65% from $25k2.75% from $100k | $565 |
| 48 months | 2.15% | 2.75% | 2.85% | 2.15%2.75% from $25k2.85% from $100k | $888 |
| 60 months | 2.30% | 2.85% | 2.95% | 2.30%2.85% from $25k2.95% from $100k | $1,204 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 4.25%APY · 8 terms
Traditional or Roth IRA certificate options. No fees for setup or annual maintenance. Interest compounded daily and paid monthly. Early withdrawal penalties and IRS tax penalties/restrictions may apply. Must be opened at a branch (not available online). Term Share Certificate rates apply to IRAs. Automatic reinvestment at maturity.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.40% | 2.25% | 2.35% | 1.40%2.25% from $25k2.35% from $100k | $70 |
| 6 monthsSpecial promotional term certificate available for IRAs in branch. Automatically renews into standard 6-Month term | 3.75% | — | — | 3.75% | $186 |
| 12 months | 1.55% | 2.35% | 2.45% | 1.55%2.35% from $25k2.45% from $100k | $155 |
| 14 monthsSpecial promotional term certificate available for IRAs in branch. Automatically renews into standard 12-Month term | 4.25% | — | — | 4.25% | $498 |
| 18 months | 1.60% | 2.45% | 2.55% | 1.60%2.45% from $25k2.55% from $100k | $241 |
| 24 months | 1.75% | 2.55% | 2.65% | 1.75%2.55% from $25k2.65% from $100k | $353 |
| 36 months | 1.85% | 2.65% | 2.75% | 1.85%2.65% from $25k2.75% from $100k | $565 |
| 48 months | 2.15% | 2.75% | 2.85% | 2.15%2.75% from $25k2.85% from $100k | $888 |
| 60 months | 2.30% | 2.85% | 2.95% | 2.30%2.85% from $25k2.95% from $100k | $1,204 |
Sources (2)
All captured Sep 16, 2026
Special Term Share Certificates
Up to 4.25%APY · 2 terms
Promotional product subject to change or end without notice. Automatically renews at the nearest lower standard term (14-month renews into 12-month term; 6-month renews into standard 6-month term) at the then applicable offered rate unless instructed otherwise. Penalty for early withdrawal. Available for IRA and Business Accounts in-branch (cannot be opened online).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPromotional rate; automatically renews into 6-Month term | 3.75% | $186 |
| 14 monthsPromotional rate; automatically renews into 12-Month term | 4.25% | $498 |
Sources (2)
All captured Sep 16, 2026
Who can join Orange County's Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.