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Personal Accounts

Savings

Accelerator Savings

Overview

A non-registered savings account paying a very competitive interest rate; the entire balance earns the current rate of interest being paid to the account.

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Features

  • Two free withdrawal transactions per month
  • Additional withdrawal transactions will incur a service charge.
  • Accessible through a teller, MEMBERLINK® or at an ATM
  • No cheques or automatic withdrawals
  • Interest calculated on the closing daily balance and paid monthly

Plan 24 Savings

Overview

A daily interest savings account with no minimum balance and minimal service charges.

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Features

  • Interest is calculated on closing daily balance and paid to the account monthly
  • No chequing privileges
  • Detailed annual statement
  • Interac direct payment access at a per item charge
  • Automatic debits, credits, and Interac transactions allowed at a minimal charge
  • MemberDirect® bill payments at a minimal charge
  • Minimal charge ATM for access at non credit union ATMs

Chequing

Personal Chequing

Overview

A tiered interest-bearing chequing account with nominal per item fees on your transactions!

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Features

  • Unlimited in branch transfers
  • Detailed monthly statement
  • Free remote banking
  • Free ATM deposit and withdrawals at Osoyoos Credit Union branch and off – site location
  • ATM and in-branch bill payments
  • Revolving line of credit available on approved credit (OAC)
  • Coverdraft available at no charge
  • Free telephone banking transfers
  • MemberDirect® online services
  • Cheque writing and pre-authorized payments
  • Interact direct payment access (Point of Sale)
  • Interest bearing account, calculated daily, paid monthly

MAXIMIZER® Chequing

Overview

A tiered interest-bearing package account with unlimited basic transactions for a low monthly fee!

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Features

  • Interest bearing account, calculated daily and paid monthly
  • Detailed monthly statement
  • ATM and in-branch bill payments
  • Revolving line of credit available on approved credit (OAC)
  • Coverdraft available at no charge
  • MemberDirect online services
  • Cheque writing and pre authorized payments
  • Interac direct payment access (Point of Sale)

USD Chequing

Overview

A tiered interest-bearing chequing account with nominal per item fees on your transactions!

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Features

  • Competitive interest rates calculated on the closing daily balance and paid to the account monthly
  • US dollar clearing and in-branch debits
  • Monthly statement included with Canadian funds statement

Golden 60

Our “Golden” Account is a chequing or savings account designed for members 60 years of age or better. Enjoy the benefits the golden years bring at OCU.

Key Benefits
  • Unlimited basic transactions, including OCU owned ATM’s and other BC Credit Union owned ATM’s.
  • Unlimited free transfers
  • MemberDirect® Online Services
  • Cheque writing privileges (chequing account only)
  • Detailed monthly statement (chequing/MAXIMIZER® accounts only)
  • Discount on safety deposit boxes
  • Interac / POS transactions
  • Interest calculated on closing daily balance and paid monthly
  • Automatic debit and credit transactions
Kudos Account
(0 to 24 years)

This account is specifically designed to meet the needs of our youth while establishing themselves on a limited budget.

Key Benefits
  • Unlimited use of OCU’s ATMs
  • 10 free withdrawals from any institution’s ATMs within Canada per month
  • 25 free transactions per month (Interac/Point of Sale, MemberDirect® Online Services, cheque writing, additional ATM withdrawals)
  • Daily interest on account paid monthly
  • No additional charges for ordering cheques (member pays for cheque cost only)
  • Free monthly electronic statement via online banking
  • Free Student MasterCard® (subject to approved credit)
  • Educational Loan/Line of Credit available on approved credit.

Membership Has Its Benefits.

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