Checking & Savings

Whether you’re saving for the future, or just need a place to keep your cash, we have what you need.  Best of all you can link your FREE VISA® Debit Card to either your Savings or Checking account.

With 4 checking accounts to choose from and several types of savings accounts, there is no shortage of savings opportunities at Our Community Credit Union. Our savings accounts are Federally insured to at least $250,000 by the National Credit Union Association.

OCCU Routing #: 325182357



  • Primary Share Savings – $25 minimum balance and makes you a member of the Credit Union.
  • Budget’s Buddy Saver League – $5 minimum balance.  Designed for our little members aged 0 – 17.

Read more about the Budget’s Buddy Saver League

  • Business Savings – Designed to help your business succeed.

Learn More about Business Savings here



  • Free* – For members who want free basic services and the option to write checks
  • eChecking – for members who want basic services while earning dividends,
    use OCCU eServices exclusively, and have no need to write checks
  • Plus – FREE Checks for members 55 years or older. $250.00 minimum balance requirements or $6.95 a month.
  • Premium – no minimum balance requirement, FREE checks – Only $4.95 a month.
  • Business and Organizational Checking


Also be sure to check out our:
OCCU Alerts App for Debit Cards NEW!

Certificates and IRA Certificates

IRA Accounts – Regular, Roth, and Education

View Our Most Current Rates

Notify us before you travel. Read more!

Making the switch is easy

At OCCU, we go above and beyond by helping our members switch their checking and loan accounts from their current financial institution to our credit union. We can supply you with all the documentation needed to close your checking account and move any automatic payments and deposits—ensuring your transfer process is as hassle-free as possible.

What’s more, if you have questions regarding your move to OCCU, we’ll pick up the phone on the spot and contact the appropriate individuals to get your questions answered.

No Monthly Fee        
Bill Payer      
FREE Online Banking    
FREE Standard VISA® Debit Card    
FREE Checks    if over 55 years
ID Theft Insurance & Fraud Support Service        
Discounted Gift Cards        
$10,000 Accidental Death & Dismemberment Insurance        
$100,000 Common Carrier Insurance        
Payment Card Protection        
Bonus Travel Discounts        
Everyday Rebate Rewards ($20 per Quarter)        
Minimum Balance  None  $250.00 balance
No monthly fee
 None  None
Monthly Fee  $4.95  $6.95 – If minimum
balance not kept
Other Fees: OCCU Fee Schedules See Fee Schedule
See Fee Schedule See Fee Schedule See Fee Schedule

 OCCU Routing #: 325182357

Read more about our NEW Image Gallery exclusively for VISA® Debit Cards


For members who want basic services and the option to write checks.

Non-Dividend Earning.  Benefits Include:

  • No minimum balance requirement.
  • No monthly service fee.
  • All regular features, Standard VISA® Debit Card, Online/Phone Banking, Bill Payer, Overdraft Protection and more.


For members who want basic checking while earning dividends, use OCCU eServices exclusively, and have no need to write checks.

Dividend Earning.  Benefits Include:

  • No minimum balance requirement.
  • No monthly service fee.
  • All regular features, Standard VISA® Debit Card, Online/Phone Banking, Bill Payer, Overdraft Protection and more.
  • Receive 5 FREE Cashier’s Checks per month for situations where you might need a paper check.

Eligibility: Provide a valid email address, sign up for online banking and eStatements.


FREE checks for members 55 years and older.  $250.00 minimum balance required or $6.95 a month.

Access Plus Checking Benefits Here.

Dividend Earning.  Standard Benefits Include:

  • Common Carrier Accidental Death Insurance of $100,000
  • Key Ring Protection – Personal registered key ring. Your lost keys can be dropped in any mailbox and returned to you… at no additional cost.
  • Payment Card Protection – Register your credit and debit cards and make just one phone call to have them all blocked from use if lost or stolen.
  • Car Rental Discounts
  • Savers Club® Book – Discounts on lodging, entertainment, car rentals, dry cleaning and more!
  • Sojourns® Travel Magazine – Photography and articles for great vacation ideas.
  • Bonus Travel – Get a cash bonus for taking a vacation!


No minimum balance requirement, FREE checks! Only $4.95 a month.

Access Premium Checking Benefits Here.

Dividend Earning.  Premium Benefits Include the Plus Checking Standard Benefits** and:

  • No minimum Balance Requirement.
  • Accidental Death Insurance of $10,000
  • $100,000 Accidental Death & Dismemberment
  • ID Theft Insurance with Fraud Assistance – If personal identification, social security number, or other method of identifying yourself is stolen, including ID theft resulting from use of the internet; you have access to professionals in the area of identity theft, plus reimbursement of up to $10,000 for lost wages, legal fees and other expenses.  All with no deductible!
  • Everyday Rebate Rewards –  We raised the $40 annual rebate to $80. You receive up to $20 just for sending in up to $200 in receipts each quarter.  It doesn’t matter what you spent $200 each quarter as long as you have receipts that total up to that amount!  Gas, grocery shopping, retail stores – there are no limitations to the type of receipt.  That’s $20 each quarter, $80 a year!
  • Discounted Gift Cards – Purchase gift cards in $25 increments from well known merchants for friends, family members or even yourself while enjoying a discount off the face value of each card. One member purchased three $25 Outback Steakhouse gift cards for $67.50, an overall 10% savings and the cards were shipped for free!
  • Cash Back Rewards –  Shop online through a network of hundreds of top online retailers and receive cash back on qualifying purchases.


*Free Checking has no monthly service fees or minimum balance requirements, however, fees do apply if you overdraw your account, other situations and conditions may apply.

**Excluding Sojourns Magazine, Key Ring Protection and Bonus Travel.