Relationship Rewards Program
Our Relationship Rewards Program is designed to grow with you and your financial needs, helping you save more, do more, and enjoy enhanced Member service. You're automatically enrolled when you open your first account with us. Even better, all of your combined eligible household balances in loans and deposits count toward your Membership benefits package. Enjoy benefits and exclusive offers just for you, and your family. That’s our commitment to your financial well-being.
What you need to qualify:
- Combined household balance on loans and/or deposits of $4,999 or less
Benefits:
- Free Notary Services for Credit Union documents¹
- Four free cashier's checks per month
- Two free boxes of checks per year (excludes Access Checking)²
What you need to qualify:
- Combined household balance on loans and/or deposits of $5,000 - $49,999
Benefits:
Enjoy everything included with Patron, plus
- Four non-Orange County's Credit Union/non-CO-OP ATM withdrawal or transfer fees waived per month³
- Reduced Home Equity Line of Credit annual fee
- Waived Basic Checking, Plus Checking, and Interest Checking monthly fee
What you need to qualify:
- Combined household balance on loans and/or deposits of $50,000+ OR
- 20-year or more Membership
Benefits:
Enjoy everything included with Patron, plus
- Waived non-Orange County's Credit Union/non-CO-OP ATM withdrawal or transfer fee³
- Waived Home Equity Line of Credit annual fee
- Waived Basic Checking, Plus Checking, and Interest Checking monthly fee
- Waived Money Market monthly fee
- Unlimited free Notary Services¹
- Free domestic wire transfers
- Unlimited free cashier's checks
Other Free Member Benefits
- Online and Mobile Banking with Bill Payment⁴
- Home Connections Rewards Program
- GreenPath financial counseling and educational resources
- Financial consultations and account reviews
- In-branch coin counting machines
- Exclusive Member offers and perks
Maximize Your Membership and Relationship Status
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Your combined balance includes all of the eligible Orange County’s Credit Union loan and deposit accounts within your household. |
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Consider building an emergency savings fund to be better prepared for unplanned expenses. |
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Maximize your ways to save while contributing toward your total balances by refinancing a high-rate auto loan you have with another lender, or transferring other high-rate balances to one of our low-rate credit cards or a personal loan.⁵ |
| When you obtain services with us like a home loan, auto loan, money market, or savings certificate for $50,000 or more, you qualify for our Platinum Status – our highest rewards level.⁵ Click here to review our current rates for these services and more. |  |
Your combined balance includes all of the eligible Orange County’s Credit Union loan and deposit accounts within your household.
Consider building an emergency savings fund to be better prepared for unplanned expenses.
Maximize your ways to save while contributing toward your total balances by refinancing a high-rate auto loan you have with another lender, or transferring other high-rate balances to one of our low-rate credit cards or a personal loan.⁵
When you obtain services with us like a home loan, auto loan, money market, or savings certificate for $50,000 or more, you qualify for our Platinum Status – our highest rewards level.⁵ Click here to review our current rates for these services and more.
"I’m a longtime Member with car loans, signature loans, a mortgage & CDs – I’ve had them all with Orange County’s Credit Union. Great rates and service."
– Steven D., Member since 1996
What benefits and rewards can I earn from the Relationship Rewards Program?
Benefits and rewards vary and are based on relationship status. Your status is determined by your combined household balances on your qualifying loans and deposits. The more you grow your balances, the more benefits you'll earn, like free services, increased withdrawal limits, and more.
Who is eligible for the Relationship Rewards Program?
As an Orange County's Credit Union Member, you're automatically enrolled. Your status is determined by your combined household balances on your qualifying loans and deposits.
Not a Member yet? Learn more about our Member Benefits or fill out our Online Membership Application and join us today!
Can I combine my balances with my household to improve my relationship status?
Yes! Your Relationship Rewards status is determined by your household's combined loan and deposit balances.
Who is considered in my "household"?
Current Members who share the same physical address as you.
How do I achieve a specific relationship status?
Your Relationship Rewards level is determined by your combined household balances in loans and deposits as of November 30. And, regardless of your deposit and/or loan balances, if you've been a Member for 20 years or more, you and your household automatically receive all the benefits of the Platinum level. Your new status takes effect January 1 and is visible as VIP status in the upper right corner of your December 31 account statement.
Have family members of your household that can benefit from Membership? Refer them so you can all benefit from Relationship Rewards.
Jan 1 – Nov 30 |
Nov 30 |
Jan 1 |
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Maintain status – OR – opportunity to level up each month with eligible balances or tenure* increase |
Evaluate balances or tenure* to determine Patron, Premier, or Platinum for upcoming year |
New year, new status |
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*Achieve Platinum status with 20-year tenure |
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What if my household balance increases before the end of the year – will I have to wait until the next year to bump up a level?
No, your account will be reviewed each month, and if you meet the balance requirement to move up a level, your account will be updated the following month. Even better, during the year you can move up levels but you won’t move down.
How do I view my relationship status?
Your status is visible in the top right corner of your monthly statement.
Do youth accounts contribute to relationship status?
Yes! Our youngest Members contribute to and benefit from a household’s relationship status too.
Make Banking a More Rewarding Experience
You and your family can benefit from simple banking with Orange County’s Credit Union
Or call us at (888) 354-6228 or visit one of our 10 convenient branches
Make Banking a More Rewarding Experience
You and your family can benefit from simple banking with Orange County’s Credit Union
Or call us at (888) 354-6228 or visit one of our 10 convenient branches
Relationship Rewards Program is not offered for commercial/business Memberships. Membership is required to participate in the Program. Combined household balances on loans and/or deposit accounts are reviewed at least annually for rewards level determination, and increased or decreased, as warranted. Household consists of Members of Orange County’s Credit Union with the same primary address listed on their respective Memberships. Refer to the Relationship Rewards Program on our website for additional details and requirements. Additional terms, conditions, and restrictions apply and are subject to change.
Membership eligibility requirements apply. 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 us for details. Membership fee is $5. Immediate family includes: Spouse, Child, Sibling, Parent, Grandparent, Grandchild, Stepparent, Stepchild, and Adoptive Relationships. Additional terms, conditions, and restrictions apply and are subject to change.
Account review:
• Monthly: At the end of each month, your Relationship level will be evaluated based on your combined balances and can move up to the next level at the beginning of the following month throughout the year, but will not move down until annual review.
• Annually: On November 30, your account will be re-evaluated to determine your level status and take effect on January 1 of the following year. Annually, you may level up or down based on total household balances. Benefits may change at that time.
¹Notary Service is not available for real estate documents.
²All personal checking accounts, excluding Access Checking, receive two free boxes of Credit Union custom design checks per year. For Access Checking, please note: It’s important that you do not attempt to order or write checks with this account. Doing so will result in account closure.
³Surcharge from other financial institutions or merchants may apply.
⁴Mobile and data rates may apply.
⁵Savings may vary by borrower. This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower credit and underwriting approval. Not all applicants will qualify. Membership in Orange County's Credit Union is a condition of loan approval. Ask us for details.
Orange County's Credit Union is an Equal Opportunity Lender.