Orange County's Credit Union

Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear documentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: “Too late, I will be publishing my bad experience with OCFCU online.” Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal—nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements.

I had the most amazing service from Seung at the Orange County credit union's Anaheim branch! He was extremely knowledgeable and so helpful with my banking needs. Thank you so much for your excellent customer service!

I estimated a fraud claim that's been denied, and I'm being treated like a criminal. There are over 30 transactions totaling $3,407.10 that I'm missing, and they have done nothing to help me recover these losses. Instead, they placed my account on restrictions, so I have no access to anything, which is horrible customer service.

I'm blown away by the exceptional service I've received from Orange County Credit Union in CA! The staff are incredibly knowledgeable, always available to address my concerns, and provide swift attention to all my inquiries.

Their commitment to excellence is unparalleled, and I've never experienced such a high level of customer satisfaction. The team's expertise, coupled with their friendly and approachable demeanor, makes them a true standout in the industry.

I've already recommended Orange County Credit Union to friends and family, and I'll continue to do so. If you're looking for a reliable, trustworthy, and customer-centric financial institution, look no further!

Rating: 5/5 stars

Elisa Ehinmilorin

Easiest car loan ever! I was preapproved because i was a member. Test drove the car i wanted and signed the documents on my phone! The car was delivered to me in a few hours detailed and ready to go!!

Wonderful experience, they are always quite helpful when it comes to my credit, bank account and investments. I will be here for the long haul.

Thanks for the loan I’m very impressed that I was able to get approved for my car now I’m fixing my credit and improving my future goals

A credit union that cares about their members and banking is easy and convenient. Amazing Interest rates and great customer service.

This credit card has helped me improve my credit and with the low payments I can maintain all the other credit cards that I have opened and at the same time they increase credit limit and keep me posted on what I owe and I can make payments including monthly payments from my bank plus earn points to lower my balance

Great doing business with them, they are great. I took out a personal loan and paid it back just to get more types of credit on my credit report. They were super in every way.

Orange County Credit Union is far superior to traditional banks in OC, in customer service, in finance services, in reliability and getting help is so much more easy at OC Credit Unions than any of the major banks in the area. They serve the community and the individual in ways traditional banks won't and can't, and don't care to. They're not just about making profit, they're about making sure the community is solvent. It's honestly a surprise to me more people here in OC aren't using them, especially given the recent troubles with banks in the last few years. I myself have had a number of terrible experiences at banks such as Chase and Wells Fargo, but nothing like that has ever happened at OC Credit Union.

One word can sum up how I feel about transferring this year. I was stuck at Chase for a very long time. I never felt welcome and always worried about the little money I had in there. Due to the fact that I know it's a for profit bank. Just knowing that Orange County's Credit Union is a non profit bank brings relief to my family. I loved the fact that I actually got checks to use. Chase didn't do that for me they said if I wanted checks I had to purchase them for about 20.00 dollars. This bank might not be open in the weekends and transfers take longer than at Chase but I know I will get used to it. I would rather wait 3 days but know my money is secure. I still have to try the atm machines at 7Eleven stores. I am excited to write this review because they deserve a standing ovation. I was treated fairly and the application process was a breeze. I know they have a 5 dollar fee to join but heck it's a lifetime membership which is well worth it.

I've been a member of OCCU for about a year now and I love it. I have a savings account with them and everything from the get go has been easy, clear and understandable. I go in every other Friday to deposit my paychecks and even if there is a long line, it goes very fast and there are more than enough tellers helping people. I'm almost always greeted when I walk in and every employee smiles and is very nice and helpful. I've never been so pleased with a bank institution before, than with them. I highly recommend them to anyone who lives or works in Orange County.

I recently switched over from my old credit union to Orange County's Credit Union as it was recommended to me by a friend and I could not be more impressed! OCCU has multiple locations throughout my county so it's very easy to find an atm whenever I need one. The best thing about them though is that they are very straightforward, they don't try to slip in hidden fees with the plans that they offer. They also offer very enticing deals on their CD's which is always a plus. I would recommend them to anyone who is looking for an honest, easy going, and reliable credit union.