- Member owned
- Not-for-profit financial cooperative
- Earnings returned to members through great rates and low fees
- Member elected Board of Directors
- Personalized and focused on you, the member
- Shareholder owned
- For profit, bottom-line driven
- Profits given to shareholders as dividends
- Paid Board of Directors
- Focus on profits
“OCCU is a place where I have found friends to help me when I need them. You guys have been part of my life and have helped me achieve my dreams these past few years. THANKS!”Enrique S.
A $5 deposit secures your share in the credit union, making you a member and owner. Once a member, you'll have access to a variety of ways to manage your money: online, on your mobile device, in person or on the phone – whatever is most convenient for you! Learn more about the benefits of being an OCCU member.See benefits »
Your trust and security matter most to us. We strive to provide the latest security innovations, from EMV chip card technology to Knowledge Based Authentication. See the security measures we have in place, and what you can do to protect yourself.Learn More »
Our connection to our members is rooted in shared values. Unlike a huge national financial institution, we live and work here just like you do. As a not-for-profit financial organization, we exist solely to serve our members and our communities.Meet our Members
Your Loan-To-Value Ratio Guide
When taking out a loan for a new home or car, it’s important to understand what makes up a loan-to-value (LTV) ratio and how it can affect your loan terms.
Long term ahead? Here’s how to stretch your budget
With a little planning, you can sail through the term without any nail-biting moments at the checkout waiting for your debit card to be approved.