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. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience. read more

When I walked into Orange County's Credit Union, I was excited to get great service from the employees. As I opened the door, the cold air sifted through the hair on my skin. Immediately, I felt an inexplicable strange force upon me. At first I couldn't recognize the man behind the counter, but as I kept walking further I picked up small details. Something bothered him. Something always bothered him, but this time was different for some reason. As he looked out the windows of the credit union he had worked at for 20 years, he noticed something he hadn't seen before since he was in his youth: his old car. Suddenly, he recognized the man walking into the store. It was a younger happier version of him before he started working there. As I finally was close enough to see his face, I saw a man that traded his life away and was stuck. And yet, there was no other path for me to follow. 10/10 would go again. read more

I recently received a service from OCCU, and I can confidently say that Mr. Seung Kang provided one of the best customer service experiences I have ever had. From start to finish, he was exceptionally professional, knowledgeable, and genuinely caring. He made what could have been a stressful process feel completely smooth and effortless. Every detail was handled with precision, and he consistently went above and beyond to ensure that everything was perfectly taken care of. What stood out the most was his attentiveness he didn't just do his job, he truly cared about my situation and made sure I felt fully supported throughout the entire process. It is rare to find someone this dedicated and thorough. If you are considering OCCU, I strongly and without hesitation recommend working with Mr. Seung Kang. He sets the standard for what excellent service should be. read more

I had a great experience working with Ikram and the team at Orange County Credit Union. They were incredibly helpful in guiding me through refinancing a loan from another credit agency, and made the whole process feel smooth and stress-free. Ikram was patient, knowledgeable, and took the time to explain everything clearly without rushing me. The entire staff was just as friendly and welcoming -- you can really feel the genuine warmth when you walk in. I truly appreciate their professionalism and the level of care they showed throughout the process. If you're looking for a team that actually looks out for you and makes things easy to understand, I highly recommend reaching out to them. read more

I was looking for a credit union with a good CD rate and stumbled across this branch. From the moment I walked in, I was warmly greeted by the staff, which set a great first impression. I had the pleasure of working with the supervisor, Benjamin, who was incredibly attentive and patient. He welcomed all of my questions and took the time to explain everything thoroughly. With over 20 years of experience, his knowledge really shows, and it made me feel confident in my decision. I ended up opening an account and also took advantage of their great CD rates. Overall, it was an excellent experience and I truly appreciate the professionalism and care shown here. read more

I had an excellent experience working with Seung K. He was incredibly helpful, knowledgeable, and patient throughout the entire process. He took the time to thoroughly explain our account options and the various services available, ensuring we understood every detail. He was also very kind and attentive to our specific needs, even providing his direct extension for any follow-up questions. I highly recommend both him and this bank to anyone looking for personalized service read more

I had an excellent experience at the Chino Branch. Ikram was professional,knowledgeable, and attentive , ensuring all my needs were met efficiently. The process was smooth and well-handled from start to finish . I am also pleased that this Branch is conveniently located closer to my home, which makes managing my banking much easier. Overall , I am very satisfied with the level of service provided . read more

Seung Kang is truly one of the best! He has a great sense of humor and made the long loan process feel easy and enjoyable. At the same time, he was incredibly patient, humble, and kind throughout the entire experience. Most importantly, he helped me secure a very competitive interest rate! He explained everything clearly and made sure I understood every step. Thank you so much, Seung Kang! read more

Ikram was so kind and helpful with getting my new account set up. I have been a member for 6 years and OCCU has never let me down! Love this newer location and as someone who lives all the way out in Lake Elsinore I will definetly be making the drive to see Ikram if I have any other questions! Everyone else seemed kind and knowledgeable aswell would highly recommend read more

I had such a great experience at this location! The banker was extremely nice, patient, and very helpful. He took his time to explain everything clearly and made sure I understood all my options. The whole staff was friendly and welcoming. I will definitely be coming back to this location again. Highly recommend! Thank you SEUNG KANG read more

I visited the Chino branch and met Benjamin, who was extremely knowledgeable and helpful. He took the time to understand my needs and guided me through the process of opening an account that suited me perfectly. Excellent customer service experience! read more

Seung Kang helped us tremendously with our loan. He truly looked out for us and made sure we had a great deal in the process. I would definitely recommend Seung for all your banking needs. read more

Swung Kang was amazing!! Super detailed very knowledgeable and had all the right recommendations for me as I opened multiple accounts today. Definitely recommended to all. read more

Costume services sucks they didn't give me any information that was ask for when it came to a deposit and what they did they me was not provided accrued information read more

Closed my account for stuff nothing to do with them or a credit card. Didn't communicate this at opening or anything. An want to pull credit for no reason. read more

Ikram was amazing help to us! I'm a first time banker and he gave me insightful advice. He made us feel comfortable while visiting and he was really kind. read more

Ikram was awesome. Helped us open new accounts and set up our online banking. It's a community bank feel with everything that a larger bank offers. read more

We came to open an account and the service Terri L. Gave us was professional, speedy and courteous. She is definitely an asset. Ty Terri.

The help and the assistance was amazing. Very smooth with what I had to get done. Always greatly greeted with upmost gratitude.