Personal Savings Accounts

Save more with interest-earning accounts

Keep your money secure while earning competitive interest. Every OCCU membership comes with a Primary Savings account. We also offer Ignite Savings, Secondary Savings, Holiday/Tax Savings and Money Market accounts to meet all your savings needs.

Ignite possibility with an Ignite Savings® account

Grow your savings fast with this high-yield account that’s great for all kinds of savers. Build an emergency fund or get started on the path of saving more money. 

  • No minimum balance or deposit necessary.

  • Earn 5.25% annual percentage yield (APY)1 on the first $500 in the account.

  • Continue to earn competitive rates as your balance grows.

  • Only one account per primary membership.

  • Explore our interactive calculator and learn more here

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Grow larger balances with a Money Market account

Earn a better return on bigger balances with our Money Market account. You can earn an APY of up to 0.20%2 interest on your entire savings balance without locking your money down. And you can make in-person withdrawals as often as you want. 

  • Minimum balances start at $500.
  • Earn competitive interest.
  • No limit on the number of Money Market accounts a member can open.

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Automate big expenses with a Holiday or Tax Savings account

Earn 0.15%after starting with a small minimum opening balance of $25 and setting up automatic monthly deposits. This account makes saving for holiday expenses or tax payments easier. 

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Set and achieve your goals with a Secondary Savings account

There is no limit on how many Secondary Savings accounts you can open and no minimum balance. Make separate buckets for all your savings goals with separate accounts and set up a savings goal to fund them using MyOCCU Online & Mobile.

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Kids can start out strong with a Lucky Duck Savings account

Help the children in your life thrive by creating a strong foundation for their future. A Lucky Duck Savings account will help kids under 12 years old learn firsthand about the value of money and how saving money today can lead to a better tomorrow.

Learn more

Secure your membership with an OCCU Primary Savings account

This account comes with every new membership to the credit union. You’ll only need to keep $5.004 in it to be an OCCU member.

Learn more about membership Become a member


Start growing your retirement nest egg

With OCCU Traditional and Roth Individual Retirement Accounts, it's simple to start saving toward your retirement.

Learn more about IRAs

Earn even more with OCCU Certificates

If you have a sum of money you can put away into a Certificate Account for a set period of time, you can earn even higher interest.

Learn more about certificates

Have questions?

Want to learn more about our savings accounts? Let's connect!

1Ignite Savings account annual percentage yield (APY) and rate may change. Fees could reduce earnings. 5.25% APY on balances up to $500, 5.25%-3.45% APY on balances $500.01-$2,500, 3.45%-2.23% APY on balances $2,500.01-$5,000, 2.23%-0.85% APY on balances $5,000.01-$25,000, and 0.85%-0.15% APY on balances of more than $25,000.01. First-year earnings are based on a 12-month average. 

2Money Market account APY & rate may change. Fees could reduce earnings. 0.15% APY on balances $500-$99,999.99, 0.20% APY on balances $100,000-$249,999.99, and 0.20% APY on balances of more than $250,000.

3Holiday or Tax Savings account APY & rate may change. There is a minimum opening balance requirement of $25. Fees could reduce earnings.

4Primary Savings account APY & rate may change. There is a minimum opening balance requirement of $5. Fees could reduce earnings.


View all rates and fees associated with savings accounts