Opportunities Credit Union

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Checking Accounts

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eChecking WOW Account

This account is for members who want to bank mostly electronically and pays a high rate of interest. It requires $50 to open the account and pays a higher interest rate (currently .50% APY) if you maintain a minimum average daily balance of $200 up to $10,000. To earn this rate you must make a direct deposit per month, have electronic statements and conduct 5 POS transactions monthly.

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Simple Checking Account

For members who want a basic checking account, the Simple Checking offers a $50 minimum to open and check writing. The account has no monthly service charges if you have electronic statements. (You may elect having paper statements for $3.00 per month.)

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Savvy Seniors  WOW Checking Account

With no minimum balance requirement or monthly service charge, this account is perfect for members 55 and over.  It provides all of the features of our e-Checking WOW account and includes 5 free money orders a month. This account is for members who want to bank mostly electronically and pays a high rate of interest. It requires $50 to open the account and pays a higher interest rate (currently .50% APY) if you maintain a minimum average daily balance of $200 up to $10,000. To earn this rate you must make a deposit of at least $200 per month and have electronic statements monthly.

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Money Market Checking Accounts

This account offers check writing and debit card privileges and pays higher rates as your balance grows.

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Biz Checking Account

This account is for LLC, corporation, or partnership businesses using an employer identification number (EIN). It requires $100 to open an account.

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Micro Biz WOW Checking Account

This account is for Sole Proprietorship / DBA businesses using a Personal Tax Identification Number (TIN) or social security number. It requires $100 to open the account and pays a higher interest rate (currently .40% APY) if you maintain a minimum average daily balance of $500 up to $20,000. To earn this rate you must make a deposit of at least $200 per month, have electronic statements and conduct 20 POS transactions monthly.

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 Non-Profit Checking Account

This account is for non-profit businesses that qualify under the tax code using a TIN. It requires $100 to open the account and pays a higher interest rate (currently .40% APY) if you maintain a minimum average daily balance of $500 up to $20,000. To earn this rate you must make a deposit of at least $200 per month, have electronic statements and conduct 20 POS transactions monthly.

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* APY stands for “Annual Percentage Yield”. APY/Rates are subject to change without notice. Your rate may increase if you do not elect an automated payment and/or based on your credit. Other restrictions and fees may apply.

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Challenges of Finance Being a Single Working Mom

January 13, 2021

The author of this blog qualified for an auto loan after working with Andrea Heller, our Money Sense Manager, to tackle bill paying and face down a creditor. I am a single mother and an educator. My child has complicated health and educational needs. We have moved many times in the past two decades, and […]

What do you think about financial counseling?

December 14, 2020

I started financial counseling during the foreclosure crisis in 2008. A decade ago many of my clients felt isolated by their financial struggles. It was challenging for adults who struggled with their finance to find professional assistance, and the area of personal finance appeared to be an exclusive world. Today, I hear more people speaking […]

Simple 5 Loan – Get a quick loan to help out this holiday season

November 21, 2020

The weather has gotten cooler, and we’ve taken out our winter clothing. The holiday season is coming up, and so is the snow. At Opportunities Credit Union (OCU) we’re working hard to wrap up 2020, and we continue to innovate ways to best serve our customers.   This time of year can be difficult for […]




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1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

REPORT A LOST OR STOLEN CARD
1.800.528.2273
1.800.889.5280 (Fraud Prevention Hotline)
1.800.MasterCard

Routing Number - 011692588

 
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