Read about the latest Orange County Credit Union promotions, bonuses, and offers here.
Update 1/30/25: The $100 checking bonus has been extended through 12/31/25. Don’t forget to refer your friends and family for $50 per referral.
Orange County Credit Union Promotions Review
Orange County’s Credit Union is a not-for-profit credit union in California, United States, serving individuals living or working in Orange, Los Angeles, Riverside, and San Bernardino Counties. Furthermore, the credit union provides for the financial needs of local county government employees.
Eligibility: Orange County’s Credit Union membership is available to anyone who lives or works in Orange County, Riverside County, Long Beach, Cerritos, Signal Hill, or Lakewood, Los Angeles city, or related to the current member. For more information on eligibility requirements please check out their full list of membership requirements. |
I’ll go over Orange County Credit Union offers below.
Orange County’s Credit Union $100 Checking Bonus
What you’ll get: $100 bonus
- Availability: CA (Branch Locator)
- Direct deposit requirement: Yes
- Credit Inquiry: Soft Pull
- Monthly fees: $0-$8, waivable
- Early Termination Fee: 90 days, bonus forfeit
- How to earn it:
- Must open a personal checking account. Use promo code: MY100.
- Enroll in eStatements.
- Sign up and qualify for a Debit Mastercard.
- Set up and receive Direct Deposit within 60 days.
(Expires 12/31/2025)
Truist Checking ($400 bonus) | Chase Total Checking ($300 Bonus) |
SoFi Checking and Savings Account ($325 Bonus) | KeyBank Checking ($300 bonus) |
Fine Print
- Apply online or present promo code MY100 at any branch by 12/31/2025.
- All accounts are subject to normal approval standards. This offer is available to “new” Members only.
- A “new” Member is defined as a person who has never been an owner or signer on an account or loan at Orange County’s Credit Union.
- New Member must open an eligible Basic, Interest, Access, Plus, or Pacific personal checking account, enroll in eStatements, sign up and qualify for a debit card, and set up and receive direct deposit within 60 days of account opening.
- Social Security can be used as a direct deposit for Basic, Interest, and Plus Checking accounts. Bonus paid by deposit to the new checking account.
- Bonus will be paid within 90 days of account opening.
- Bonus represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient.
- The new eligible checking account must remain open for 90 days and maintain eStatement preference for 90 days or bonus may be reversed.
- Minimum opening deposit is $25.00 for checking accounts. Basic, Access, Plus, and Pacific Checking accounts do not earn dividends.
- Interest Checking: Annual Percentage Yield (APY) is 0.07% as of January 1, 2025 and are subject to change at any time.
- Minimum balance to earn APY is $600.
- The rate and APY may change after account opening.
- Fees may reduce earnings on the account. Offer not available in conjunction with other offers.
- Membership requirements apply.
- Additional terms and conditions apply and are subject to change.
- Refer to the Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement, and Schedule of Fees for additional information.
Orange County’s Credit Union $50 Referral Bonuses

- What you’ll get: $50 bonus
- Availability: CA (Branch Locator)
- Direct Deposit Requirement: Yes
- Credit Inquiry: Soft Pull
- Monthly Fee: $0-$8; waivable
- Early Termination Fee: 90 days, bonus forfeit
- How to earn it:
- Refer your friends and family to Orange County Credit Union
- Earn the $50 bonus when they open:
- A new checking account with eStatements
- A Debit Mastercard®
- Direct Deposit
- They’ll also earn $50 bonus!
- Referrer and referee bonuses typically paid within 90 days.
(Limited time offer)
Truist Checking ($400 bonus) | KeyBank Checking ($300 bonus) |
Fine Print
- Referral Bonuses. The same bonus will be paid to the referrer (existing Member) and referee (new Member). The “referrer” bonus is available to Members of Orange County’s Credit Union who have checking accounts. The “referee” bonus is available to “new” Members only. A “new” Member is defined as a person who has never been an owner or signer of a checking or savings account or loan with Orange County’s Credit Union.
- Bonus Payout. Referrer and referee bonuses typically paid within 90 days. Referral form must be presented at time new checking account is opened. Form must be completely filled out so we have adequate information to pay out the cash reward to the friend who made the referral. Referrer and referee bonuses will be paid by deposit to respective checking accounts. The notation “Refer” will appear on the referrer’s statement. Referee bonus paid represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient. Associates of Orange County’s Credit Union are not eligible for the referrer or referee bonuses.
- Eligibility. Referee must open a personal checking account, enroll in eStatements, sign up and qualify for a Debit Mastercard (not all applicants will qualify), and set up and receive Direct Deposit within 60 days. (For Pacific Youth Checking accounts only, the requirement of Direct Deposit may be substituted with making 10 Debit Card purchases within 60 days.) Social Security can be used as a Direct Deposit for Basic, Interest, and Pacific Checking accounts. The referee’s checking account must remain open and maintain eStatement preference for 90 days or referral bonus may be reversed. Offer available for personal checking accounts only including the Pacific Checking for youth/students. Money Market accounts are considered savings accounts. Offer only available at branch locations. Offer not available in conjunction with other offers. Individuals may not refer themselves for the referral bonus. All accounts are subject to normal approval standards. Minimum opening deposit is $25 for Basic, Interest, and Pacific Checking accounts; no minimum deposit required for Better Than Free Checking account. Membership in Orange County’s Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don’t live or work in our area? You may also qualify if your immediate family Member banks with us. Ask for details. Membership fee is $5.
Orange County’s Credit Union $200 Checking & CD Bonus (Expired)
- What you’ll get: $200 Checking & CD bonus
- Availability: CA (Branch Locator)
- Direct Deposit Required: Yes
- Credit Inquiry: Soft Pull
- Monthly Fee: $0-$8; waivable
- Early Termination Fee: 90 days, bonus forfeit
- How to earn it:
- Get up to $200 bonus when you open a new checking account with a promotional CD.
- Must open a personal checking account, enroll in eStatements, sign up and qualify for a Debit Mastercard, and set up and receive Direct Deposit within 60 days.
- A cash bonus will also depend on the total qualified certificate funds.
- A cash bonus of $50 will be paid out to qualified funds of $5000 – $49,999.
- A $100 cash bonus will be paid out to qualified funds of $50,000 – $99,999.
- For funding of $100,000 and above, a cash bonus of $200 will be paid out.
- Use the Code CDBUNDLE when you apply
Total Qualifying Certificate Deposit Amount | Cash Bonus |
$5,000 – $49,999 | $50 |
$50,000-$99,000 | $100 |
$100,000+ | $200 |
(Expires December 31, 2022)
Chase Business Complete Checking® ($300 or $500 Bonus) | U.S. Bank Business Checking ($500 or $900 Bonus) |
Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
Bluevine Business Checking ($300 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
Axos Bank Business Interest Checking ($400 Bonus) | Axos Business Premium Savings ($375 Bonus) |
Fine Print
- Cash bonus is dependent on the fulfillment of the checking account and special certificate criteria above.
- A cash bonus will also depend on the total qualified certificate funds.
- A cash bonus of $50 will be paid out to qualified funds of $5000 – $49,999.
- A $100 cash bonus will be paid out to qualified funds of $50,000 – $99,999.
- For funding of $100,000 and above, a cash bonus of $200 will be paid out.
- The checking account and CD must remain open and stipulations must be met to earn the bonus.
- Bonus paid by deposit to the new checking account. Bonus typically paid within 90 days.
- Bonus represents dividends deposited into your personal checking account and may be reported to the IRS.
- Any applicable taxes are the responsibility of the recipient.
- The new checking promotional CD account and must remain open for 90 days and maintain eStatement preference for 90 days or the bonus may be reversed.
How to Avoid Monthly Fees
- Basic Checking: $6.00 monthly waived with Direct Deposit, average daily balance of $350, Platinum/Premier Rewards levels, or Members age 62+
- Interest Checking: $8.00 monthly waived with Direct Deposit, average daily balance of $1,400, Platinum/Premier Rewards levels, or Members age 62+
- Pacific Checking: No monthly fees
- Basic Business Checking: $10.00 monthly waived with average daily balance of $1,500 or with an outstanding business loan balance of $50,000 or more
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Author’s Verdict
Lastly, Orange County Credit Union is a great bank option for new sign-up promotions when become available. Furthermore, this account is insured by the NCUA, so your money is secure!
Additionally, for more current offers, check out our bank bonuses page. Comparatively, Orange County Credit Union rates for CDs and Savings with our best rates for Savings and CD accounts.
Furthermore, be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
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