Share Draft Accounts

Member Share Draft (Checking) Account

Draft Accounts are a simple way to access your funds, and our draft accounts are simple and straightforward with no fees & no minimums.

  • No minimum balance required to open

  • Must maintain a minimum daily balance of $500 to obtain the annual percentage yield (not required)

  • Dividends are calculated by the daily balance method and are paid quarterly

  • Free overdraft protection with another OCU account

  • No monthly service fee

  • FREE VISA debit card to qualified applicants

  • NCUA insured

First Insured Account

Save faster by earning a higher rate of return while still having access to your funds.

  • $2500 minimum balance required to open account

  • Limit of 3 transactions per month

  • Maintains a higher annual percentage yield than a regular share draft account

  • Dividends are calculated by the daily balance method and are paid monthly

  • Free overdraft protection with another OCU account

  • $250 minimum withdrawals

  • $10 fee if account falls below $2500 minimum balance

  • $10 fee for each transaction in excess of 3 each month

  • NCUA insured