BRANCH CLOSURE NOTICE: Orlando Credit Union's Sheriff's Office Branch is temporarily closed due to onsite building enhancements from April 29th, 2024, to June 30th, 2024. (The exterior ATM is still accessible and you can visit other branch locations)
ROAD CLOSURE: Due to FDOT construction, be advised that at different times some entrances to the SODO branch might not be accessible starting June 4, 2024, for approximately 2–3 weeks. Click here for a map and details.
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Certificate Accounts

INVEST TODAY IN A LIMITED-TIME CERTIFICATE SPECIAL

Certificate Accounts

Invest Today in a Limited-Time Certificate Special

$1,000 minimum deposit with funds not currently on deposit with Orlando Credit Union.

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To open a Certificate of Deposit over $1,000, visit one of our branches.

certificate

Maximize Your Savings at a Special Rate

13-Month Certificate Special

5.25% APY**

We have some of the best certificate of deposit rates in Central Florida.

Be the Leader of Maximizing Your Savings AND Building Your Credit.

Take advantage of this limited-time investment opportunity TODAY by visiting one of our Central Florida branches.

FIND BRANCH

For more information, you can also contact our service center at 800.953.4567 or book an appointment.
 

certificate

When combined with an
Orlando Credit Union Credit Card

6-Month Certificate Special

5.25% APY††

Secure an Orlando Credit Union credit card to earn points and enjoy your digital wallet product addition.

Certificate Accounts

Don't need the temptation of being able to spend your savings? Want to earn more in dividends while keeping your money safe? A certificate of deposit account at a high yield savings rate can help boost the growth of savings you don't immediately need. Watch Your Investment Soar!

Open A Certificate Of Deposit Today!^

open today


To open a Certificate of Deposit over $1,000, visit one of our branches

certificate

A certificate of deposit (known also as a share certificate) is a savings certificate with a fixed maturity date. It requires the initial deposit amount to remain for the term of the certificate and is federally insured by NCUA.

  • Term options from 6 to 60 months
  • Competitive dividend rates
  • APY increases at higher balance amounts or longer term
  • A penalty will be charged for early withdrawal*

Already applied?  Check Status


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To open a certificate of deposit in-person, schedule an in-branch appointment.

 

For the savings goals you wish to reach,
Certificate of Deposits are a smart, low-risk method of reaching them.

Orlando Credit Union can help you understand certificates and how to use them to reach your savings goals.

 

Certificate of Deposit Rates And Terms

12-Month Term

$500 minimum deposit*

3.75% APY*

Calculate Worth at Maturity

6-Month Term

1,000 minimum deposit*

3.75% APY*

Calculate Worth at Maturity

12-Month Term

$1,000 minimum deposit*

4.75% APY*

Calculate Worth at Maturity

 

18-Month Term

$1,000 minimum deposit*

4.65% APY*

Calculate Worth at Maturity

18-Month Jumbo Term

$50,000 minimum deposit*

4.90% APY*

Calculate Worth at Maturity

 
Check out our other certificate of deposit rates.

view all certificate rates

*Rates are effective as of 8/21/2023. Rates are fixed for the term of the Certificate. Certificates will automatically be renewed at the rate in effect upon maturity. We will impose a penalty if you withdraw any of the principal balance in your account before the maturity date. The amount of the early withdrawal penalty is based on the term of the account. The amount of these penalties are as follows: Terms of 6 months or less lose 90 days’ worth of dividends; and terms greater than 6 months lose 180 days’ worth of dividends. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the amount withdrawn. If the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal. The Annual Percentage Yield disclosed is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings. Fees and penalties can reduce earnings on the account. Rates subject to change without notice.

**APY=Annual Percentage Yield as of 08/21/23. Minimum opening deposit is $1,000. After the initial term, the 13-month certificate will automatically renew to the 12-month certificate, earning the then current APY offered at the time of renewal. Rates subject to change without notice. Penalties apply for early withdrawals. Fees and penalties could reduce earnings.

This offer is only available for new money memberships. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

††APY=Annual Percentage Yield as of 12/12/23. Minimum opening deposit is $1,000. After the initial term, the certificate will automatically renew, earning the then current APY offered at the time of renewal. Rates subject to change without notice. Penalties apply for early withdrawals. Fees and penalties could reduce earnings.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

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