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OC Federal offers a credit card with Great Rates and Great Rewards!

The Mastercard Rewards Card offers NO annual fee, low interest rates, and you earn points on every dollar spent. Transfer a balance to your card and save on high-interest debt. For a standard, nonpromotional balance transfer, there is no balance transfer fee! Speak with an OC Federal representative for all the details.

Look for our 5.99% APR* balance transfer promotion starting in October.

The holidays have enough stress so reduce the interest on your holiday spending this year with a Mastercard from OC Federal.

Tips for keeping your information safe when using a credit card:

• Never shop on public WIFI. While a VPN can help, it is best to use your secure WIFI at home when making holiday purchases online.
• Check for skimming devices on card readers on gas pumps or other card terminals. Tapping your card for payment can be more secure than inserting the card.
• Be wary of sales that are too good to be true, because they probably are a scam. Scammers can create websites that look realistic but you may pay for merchandise that you never receive.

For additional information, rates, and to apply today, contact your local branch, Member Services, or the Loan Zone!

_{*APR = Annual Percentage Rate. Subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility. The 5.99% APR is a promotional rate on balance transfers from another financial institution made between the promotion period October 1, 2024 through December 31, 2024. Promotional APR of 5.99% is valid for 12 billing cycles from the date of first qualifying transfer. The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your credit card agreement. Other fees may apply. The maximum APR is 17.99%. The interest rate on qualifying balance transfers will remain 5.99% APR unless the account becomes delinquent and/or over the limit. All payments will be applied to the highest interest rate first. Existing OC Federal Credit Union credit card/loan balances are not eligible for the promo rate. All balance transfers made during the promotional period will be subject to a fee of 3.00% of the transferred amount. Minimum balance transfer amount of $500.00. All promotions are subject to the purchase of one $5.00 membership share required to be maintained in your share savings account. Reward points and/or Cash Back will not be awarded for balance transfers. OC Federal Credit Union may discontinue or modify this offer without notice. Federally insured by NCUA.}