Membership

It's different here.SM

At OCCU, you're not just a customer or a transaction, you're a member and an owner. That means you're special to us. We care about your financial well-being and your overall peace of mind.

Why a credit union?

Because credit unions are not-for-profit, every dollar we make goes to providing more value to our members and the communities we serve. At a credit union, you can trust that you’re getting personalized service and competitive rates.

Credit Union

  • 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

Bank

  • Shareholder owned
  • For profit, bottom-line driven
  • Profits given to shareholders as dividends
  • Paid Board of Directors
  • Focus on profits

Ready to become a member?

We're delighted to welcome you as our newest member! Let's get a few formalities out of the way first. Tell us a little about yourself below.

Membership Questionnaire

I live or work in

(or have an immediate family member who does)

 
1 2 3 4 5
1 / 5
See all membership criteria »

Membership basics

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 »

Top-notch protection

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 »

Remarkable members

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

Related resources

Explore financial education, security, member stories, and community involvement.

View All »
Young couple with moving boxes

What’s the deal with Private Mortgage Insurance?

If your down payment is less than 20 percent of the value of the home you'll most likely be required to carry private mortgage insurance.

boyfriend explaining APY to girlfriend

What is APY anyway?  

Blank face + question mark + quivering mouth + Home Alone face = the feeling you get when trying to decipher confusing financial information.