Accounts & Services

Savings & Checking Accounts

Are you looking for a savings or checking account?


Open your savings account to become a member owner of Old Ocean FCU.


Forget one-size-fits-all bank accounts, we have checking options that fit you!



Membership Savings

Becoming a member of Old Ocean Federal Credit Union is easy! Eligible Texas residents who live, work or worship in Brazoria County can simply fill out an application and open a savings account. This account establishes you as a member and owner of the credit union. Your account is secure, insured up to $250,000 by the NCUA and pays you monthly dividends!*

To become a member owner of Old Ocean, you simply need:

From then on, you’ll enjoy:

*Dividends paid are based on average daily balance, compounded and credited monthly.

Share Certificates

So, what is a share certificate exactly? Similar to a certificate of deposit from a traditional bank, a share certificate lets you earn higher dividends on your savings without the risk of loss. Your deposit is insured by the NCUA and you can choose from different terms to maximize your earnings. With just a $1,000 deposit (or more), you can choose a term that works for you. Then, you’ll be able to reach your savings goals faster with dividends paid monthly based on your average daily balance.

Contact a Member Relations Representative or complete our online application form and start saving today!

Individual Retirement Accounts (IRA)

We’re here to help you with your day-to-day money questions but that’s not all. With Old Ocean Federal Credit Union, your long-term plans are also a priority. Let us help you plan for your retirement with an IRA. Similar to a Share Certificate, this retirement account lets you set aside pre-tax dollars to enjoy in your later years. These tax exempt dollars** are a smart way to build your retirement savings.

IRA features include:

Contact a Member Relations Representative or complete our online application form and start saving today!

**Penalty is applied to early withdrawals or transfers between accounts before maturity

Contact a Member Relations Representative


No Fee Checking

It’s time to think bigger than that tired old bank checking account that charges you just for keeping your money in it. With a No Fee Checking Account from Old Ocean FCU, you pay no monthly fees plus you can earn interest regardless of your account’s balance!
Other benefits worth checking out:
Call a Member Relations Representative about opening your share draft account today or fill out our online application form. If you are between the ages of 16-24 or 62+ years, we have special accounts to meet your particular needs. See our Rising Star Checking Accounts or our Silver Star Checking Accounts, for more information on those benefits.

Rising Star Checking

When you’re starting out, your goals and needs are different. The Rising Star Checking account at Old Ocean FCU was created with our younger members in mind. If you are between the ages of 16 and 24, you qualify to open a Rising Star Checking Account. The Rising Star Account is designed to help you establish yourself financially. The account provides flexibility, with reduced opening account requirements. Other benefits of the account include:

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!

Members under age 18 must have an eligible adult as a joint owner.

Silver Star Checking

Old Ocean Federal Credit Union’s senior members are our silver lining! After a lifetime of hard work and commitment, you deserve extra special treatment. That’s what makes our no-fee Silver Star Checking so special. As a member age 62 or older, you can enjoy Silver Star Checking and all its features including:
Please call a Member Relations Representative if you qualify. They can help you open an account or convert your existing account to a Silver Star Checking account.

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