The Orange County's Federal Credit Union is a mortgage from Orange County's Federal Credit Union. Typical credit limit: Available for Conforming and Jumbo loan amounts. The maximum loan amount is available in high-cost areas; not to exceed the high-cost conforming loan limit for that area. For non-high-cost areas, the maximum loan amount is $1,000,000.. Loan terms: a fixed rate for the first 5, 7, or 10 years ( may vary after the initial period ).