Let's get going!

In order to get started, select an account that works for you.

Activate Rewards Checking

Designed to help our members earn more and save more, Activate Rewards Checking lets you earn cash back and a competitive interest rate in just one account.

Here’s how it works:
When you open a free Activate Rewards Checking account and meet the monthly qualifications, you earn:
• 2.00% APYon your monthly balance
• 1% cash backon every debit card purchase when you maintain an average daily balance of $2,500 or more

That’s up to $750+ in interest and cashback rewards each year, just for using your account.

Double up: Pair this account with an Ignite Savings account and we’ll boost your Ignite Savings rate by 0.25% APY when you meet the Activate Rewards Checking qualifications.

Meet three simple monthly qualifications for the best rate:

Enroll in eStatements.
Make one monthly automated transaction or direct deposit. 
Use your debit card 12 times each month. 
To earn 1.00% cash back on debit purchases, meet the above qualifications and maintain a monthly balance of $2,500 in your account.

Kickstart Cashback

This account is ideal for members between the ages of 16 and 25 who are just starting their financial journey. With your Kickstart Cashback account your spending rewards you. Earn 1% cash back* by completing four simple steps each month:

1. Maintain enrollment in eStatements.
2. Perform one direct deposit or automatic payment.
3. Make 10 transactions with your OCCU debit card.
4. Log in to MyOCCU Online & Mobile at least once.

More benefits:

No monthly service charges or minimum balance
Free online and mobile banking
Direct deposits up to three days sooner

Ignite Savings

Earn more now. Harness the power of compound interest and grow your savings faster with this high-yield savings account. Earn 5.25% APY on the first $500 in the account. Review our rate and fee schedule for interest and APY tiers or use our Ignite Savings calculator.

More benefits:

Make saving easy with no minimum balance or deposit necessary.
Earn the highest interest rate on your first $500.
Continue to earn with competitive interest rates as your balance grows.
Sign up for direct deposit and access your money up to three days early.
Transfer money between accounts quickly and easily with MyOCCU Online & Mobile.

7-month CD special

Get our best rates on a certificate with the 7-month special.

Earn an APY of 3.50%
Minimum balance of $500
If a better rate becomes available through OCCU - bump it up!

13-month CD special

Lock in our best rate before it's gone.

Earn an APY of 3.50%
Minimum balance of $500
If a better rate becomes available through OCCU – add an additional deposit and/or bump up your rate!

Certificate of deposit

Protect your investment and grow your savings faster than a traditional checking or savings account Terms available from 6 months to 60 months.

Terms from 6 months to 60 months
View our current rates here.
Lock in a great rate, but if a better one becomes available through OCCU – bump it up!
Achieve your short or long-term savings goal easily.

Money market

See how a money market account can help you earn more. Competitive interest, better returns and unlimited access keep your money growing but not locked down.

Minimum balances start at $500.
No limit on in-person withdrawals.
Funds are insured up to $250,000 by NCUA.