Find an updated list of 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.
About Orange County Credit Union Promotions
Orange County’s Credit Union is a not-for-profit community-chartered credit union in California, United States, serving individuals living or working in Orange, Los Angeles, Riverside, and San Bernardino Counties.
| 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 a current member. For more information on eligibility requirements please check out their full list of membership requirements. |
I’ll review the Orange County Credit Union Promotions below.
Orange County Credit Union $100 Checking Bonus
Orange County Credit Union is offering a $100 bonus when you open a new qualifying checking account using promo code: BEST100
- What you’ll get: $100 bonus
- Account Type: Checking Account
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: Yes, no set amount (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500. Visa or Mastercard
- Monthly Fees: $0-$6, waivable
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: 1
(Expires 12/31/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
- 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 Bonus
Orange County Credit Union is offering a $50 referral bonus when you refer new members to open a new qualifying checking account.
- What you’ll get: $50 bonus, your friend gets $50 bonus
- Account Type: Checking Account
- Availability: CA
- Direct Deposit Requirement: Yes, no minimum (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500. Visa or Mastercard
- Monthly Fees: $0-$6, waivable
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: 1
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Invite your friends to bank at Orange County’s Credit Union and you’ll be rewarded with $50 for every friend who opens a qualified checking account.
- Must use promo code REFERAFRIEND
- 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.
- 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 Credit Union $200 Checking & CD Bonus (Expired)
- What you’ll get: $200 bonus
- Account Type: Checking & CD Account
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes, no minimum (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500. Visa or Mastercard
- Monthly Fees: $0-$6, waivable
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: 1
(Expires December 31, 2022)
Editor’s Note: Not a great offer since the CD rate is low, and you must get $100K CD to get the $200 bonus. Not worth it at all.
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- New Members, use promo code CDBUNDLE when you open your checking account and CD account online or stop by any branch.
- Sign up for eStatements, with Debit Card, then Direct Deposit, and Fund Special CD
- Then you’ll qualify for the $200 bonus.
- Visit a branch or open online and use promo code: CDBUNDLE. This limited-time promotion ends December 31, 2022 and is subject to change at any time without prior notice.
- 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 of a checking or savings account or loan at Orange County’s Credit Union.
- 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. Bonus paid by deposit to the new checking account.
- Bonus typically paid within 90 days.
- 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 checking account must remain open for 90 days and maintain eStatement preference for 90 days or bonus may be reversed.
- Offer available for personal checking accounts including a Basic or Interest checking account.
- Money Market accounts are considered savings accounts. Social Security can be used as a direct deposit for Basic and Interest Checking accounts.
- Minimum opening deposit is $25 for Basic and Interest Checking accounts.
- Offer not available in conjunction with other offers. A qualifying direct deposit is an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or government agency.
- Person-to-person payments are not considered direct deposit.
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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Bottom Line
Lastly, Orange County Credit Union is a great bank option for new sign-up promotions when it becomes available. Additionally, your account is NCUA insured!
However, Orange County Credit Union doesn’t have great rates for CDs and Savings. Additionally, you may want to check out our full list of Bank Rates and CD Rates.
Compare Orange County Credit Union Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citibank, and more!
*Check back at this page for updated Orange County Credit Union promotions, bonuses, and offers.
Hey I just opened an account with credit card funding. My initial deposit was $2000 and there was no hard pull.