Savings Account Options

If you want to join the Credit Union Difference and are worried it might be complicated, worry no more. With ClickSWITCH, you can quickly transfer your direct deposits, transfers, and withdrawals. In addition, we have adult and youth saving options available for our members. 

Share Savings – Current Rates

For adults 18 and older, a $25 deposit is required in a savings account. The $25 represents one share in the credit union. Please review section five of the Truth-In-Savings Disclosure for additional information. Ask a Member Service Representative for a current copy. 

Share Certificates – Current Rates

Our Share Certificates are compounded quarterly to give our members a better return on their money. Penalties could or will be imposed for early withdrawals.

IRA – Current Rates

NO MINIMUM DEPOSIT to open an IRA, but there are maximum deposits per tax year, as decided by the IRS. We have a Traditional or Roth IRA available in two forms: an IRA share account or a share certificate account. Penalties for early withdrawals on share and share certificates for IRA accounts can or will be imposed. Talk to a tax advisor when considering an IRA account withdrawal.

Christmas Club – Current Rate

NO MINIMUM DEPOSIT. Let your Christmas shopping funds earn interest all year in this particular account. You may deposit in this account at any time during the year. However, on October 15th, the entire balance will be disbursed to you.

Vacation Club – Current Rates

NO MINIMUM DEPOSIT. This account is designed for members who want to set aside a little extra for that special occasion.

Zoe's Club - Current Rates

Zoe's Club is a youth savings account (ages seventeen and younger), and you must maintain a minimum balance of $5. In addition, the youth account must have an adult custodial parent or guardian as a joint owner on the account—Zoe's Club Child Safety Kit.

OFCU does not knowingly collect personal information on individuals aged 13 who use our sites without obtaining consent from a parent or legal guardian. Please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission's website. 

Membership Eligibility Required, Insured by NCUA. Speak with a Member Service Representative for additional information on terms and fees. 

NCUA Share Insurance Estimator. 

APY = Annual Percentage Yield

DR = Dividend Rate