AGREEMENTS & DISCLOSURES

• Membership Agreement & Disclosures: Membership Agreement, Funds Availability Policy Disclosure, and Electronic Funds Transfer Agreement & Disclosure
• Credit Card Disclosure

Truth In Savings

Read important information about Truth In Savings for:

• Deposit Accounts
• Certificate Accounts

USA Patriot Act

On October 26, 2001, the USA Patriot Act was signed into law. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. Section 326 of the Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and nonmembers who are given access, or added as signatories, on new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.

If you are an existing member who joined the credit union before the USA Patriot Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

Third Party Disclosure

From the OC Federal Credit Union website, you may access a variety of sites maintained by third parties. In accessing these sites, you are leaving the OC Federal Credit Union website. These sites are managed by organizations that may or may not have a business relationship with the credit union. OC Federal Credit Union is not responsible for the content presented at these sites nor information collected at these sites. Refer to the privacy statement at each site for additional information about how that particular organization manages information. OC Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.

+ Disclosures

APR = Annual Percentage Rate. All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility.  OC Federal Credit Union may discontinue or modify offers without notice. OC Federal Credit Union is federally insured by the NCUA up to $250,000 and is an Equal Housing Lender. NMLS #413040