Routing #313186909
Phone # (979) 316-4833
Locations + ATMs
Drive Thru Hours
Mon-Fri: 9am-5pm
Lobby Hours
Mon-Fri: 9am-5:30pm
979-316-4833
Routing Number
313186909
Routing #313186909
Phone # (979) 316-4833
Locations + ATMs
Drive Thru Hours
Mon-Fri: 9am-5pm
Lobby Hours
Mon-Fri: 9am-5:30pm
979-316-4833
Routing Number
313186909
Banking built for real life in Brazoria County. At big banks, you’re an account number. At Old Ocean Federal Credit Union, you’re a member. An owner. A neighbor.
That means your checking and savings accounts should work for your life, not against it, with hidden fees, confusing rules, or minimum-balance games.
Whether you’re opening your first checking account, saving for what’s next, or just tired of paying a bank to hold your money, Old Ocean FCU offers simple accounts built around hardworking Texans and local families.
Old Ocean Federal Credit Union has proudly served Brazoria County communities including Sweeny, West Columbia, Brazosport, and Old Ocean for generations. Here, you’re not helping shareholders earn profits. You’re joining a financial cooperative that exists to serve its members first.
That difference matters. Because when your financial institution knows your name, understands your community, and actually wants to help you succeed, banking feels a whole lot different.
Whether you’re looking for:
Old Ocean FCU is ready to help.
Open your account online or stop by and see us today.
*Dividends paid are based on average daily balance, compounded and credited monthly.
Saving money looks different for everyone.
Maybe it’s building an emergency fund. Preparing for Christmas. Saving for a vacation, a first home, or simply creating peace of mind.
Whatever your goal, Old Ocean FCU offers savings accounts designed to help local families build financial stability one step at a time.
*Dividends paid are based on average daily balance, compounded and credited monthly.
You’ve worked hard for your money. Your savings should work hard, too.
A Share Certificate from Old Ocean Federal Credit Union gives you a simple, low-risk way to earn more on your savings than a traditional savings account — without gambling your future on market swings or uncertainty.
Think of it like a traditional bank CD, but built the credit union way: straightforward, dependable, and focused on helping members grow their money safely.
With a minimum deposit of $1,000, you can lock in a competitive dividend rate for a term that fits your goals and timeline. Then sit back and let your savings grow with monthly dividend payments based on your average daily balance.
Whether you’re saving for retirement, building an emergency fund, planning for a major purchase, or simply wanting a better return on money you don’t need right away, a Share Certificate can help you get there faster — without unnecessary risk.
Because peace of mind matters just as much as growth.
At Old Ocean Federal Credit Union, we believe financial peace of mind isn’t just about getting through this month — it’s about preparing for the years ahead, too.
An Individual Retirement Account (IRA) gives you a simple, steady way to build retirement savings with tax advantages that can help your money grow faster over time. Similar to a Share Certificate, an IRA allows you to earn competitive dividends in a safe, federally insured account designed for long-term savings.
Whether retirement is decades away or right around the corner, starting now can make a bigger difference than you think.
An IRA is more than an account. It’s a way to take care of your future self — while building confidence and stability along the way.
Because retirement shouldn’t be left up to chance.
Let’s start planning for what’s next.
Contact a Member Relations Representative or complete our online application form and start IRA today!
**Penalty is applied to early withdrawals or transfers between accounts before maturity
A checking account shouldn’t come with strings attached.
Our No Fee Checking Account gives you the everyday access you need without the monthly fees and unnecessary restrictions you don’t. Plus, you can earn dividends on your balance while keeping your money close at hand.
Starting out is expensive enough. Your checking account shouldn’t make it harder.
Our Rising Star Checking Account was designed for members ages 16–24 who are learning to manage money, build independence, and create a strong financial foundation.
Rising Star benefits include:
Because banking should help young people move forward, not punish them for getting started.
If you qualify and are interested in opening a Rising Star Checking account or even converting another type of account to the Rising Star Checking Account, please call a Member Relations Representative and start saving money today!
Our Silver Star Checking Account is built for members age 62 and older who want straightforward banking, local service, and fewer hassles.
No gimmicks. No complicated rewards. Just the kind of honest banking you deserve after years of hard work.
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