Savings and Investments

Savings

• Minimum amount of $5.00 to open savings account
• Minimal fees will apply for copies of drafts, stop payments, overdraft transfer fees, return items, etc
• Unlimited transactions for online banking and 24 hour audio response 1-800-828-5831

For when just a savings account won’t do, OCTFCU has other rewarding ways for you to invest your money.

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Certificates

• Minimum of $1000.00 with rates on various terms
• Terms are from 31 days out to 30 months.
• EARLY WITHDRAWAL PENALTY: If the maturity of a share certificate is one year or less, the forfeiture is equal to 90 days dividends. If the maturity of a share certificate is more than one year, the forfeiture is equal to 180 days dividends.

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Money Market Accounts

• Minimum amount of $1000.00 to open account
• $5.00 monthly service fee if the balance drops below $1000.00
• Obtain unlimited "in person" withdrawals
• 24 hour audio response and home banking for unlimited transactions
• Dividend rate and annual percentage yield may change at any time as determined by the board of directors
• Dividends are compounded and credited monthly
• Unlimited transactions for online banking and 24 hour audio response 1-800-828-5831

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Individual Retirement Accounts (IRA)

The Credit Union offers Traditional IRAs, ROTH IRAs and Education IRAs. Contact the credit union's IRA department for more information. Call a member service representative at 850-682-2225.

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Christmas Club Accounts

• Minimum of $5.00 to open Christmas Club Account
• Deposits available through payroll deduction
• Unlimited transactions for online banking and 24 hour audio response 1-800-828-5831

What would be the best present you could give yourself next Christmas? How about the chance to do your shopping without worrying about how to pay the bills? You can give yourself the gift of worry-free shopping by opening a Christmas Club account.

Our Christmas Club account allows you to keep your holiday funds separate from your other savings and earn dividends on every dollar.

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Vacation Club Accounts

• Minimum $5.00 deposit to open account
• Deposits available with payroll deduction
• Unlimited transactions for onlione banking and 24 hour audio response 1-800-828-5831

You can save for that dream vacation by opening a vacation club account. Earn dividends on every dollar. Disbursement is made at member's request.

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