BRANCH CLOSURE NOTICE: Orlando Credit Union's Sheriff's Office Branch is temporarily closed due to onsite building enhancements. (The exterior ATM is still accessible and you can visit other branch locations)
Go to main content Orlando Credit Union
Online Banking Login

Becoming a Member

Discover what it means to be part of our credit union.

Woman using binoculars

What is Membership?

To banks, you’re just another customer. But at Orlando Credit Union, you’re a member. 

How’s that different? In terms of products and services available, you might not notice much of a difference. But look closer, and you’ll start to see our local focus, with membership geared toward people who live in the greater Orlando area and beyond. And you might realize that members are also owners, and have the right to vote on our board of directors. You may even note that rates are better and fees are lower here.

There’s a lot more to love about membership. But don’t just take our word for it. Explore our website, learn about our Rewards points program, visit our branches, and ask our members. You might just like what you hear.

5 Myths About Credit Unions

Misconceptions sometimes make credit unions seem like a lesser version of banks. But there's a lot of love about credit unions once you separate fact from fiction. Let's clear up a few credit union misconceptions.

Myth: Credit unions are strict on who can become a member.
Fact: It’s true that credit unions, including ours, have rules about eligibility. Not just anybody can join. But the requirements may not be as strict as you think. For example, at Orlando Credit Union, immediate family members of current members are allowed to join — regardless of whether they meet any of the other requirements.

Myth: Credit unions have limited locations and few ATMs.
Fact: It’s true that the big banks are able to offer more branches and ATMs with their name on the side. But because our credit union participates with several branch and ATM networks, members get access to thousands of shared branch locations and ATMs across the country. This means our members can make a range of transactions, surcharge-free, at locations outside of those owned by Orlando Credit Union.

Myth: Credit unions are inferior in terms of technology.
Fact: Banks may be louder in promoting online and mobile banking, but that doesn’t mean credit unions are lagging behind. Our app offers the same features as bank apps, such as ATM locators and mobile deposit. Learn more about our mobile banking app.

Myth: Credit unions don’t have rewards programs.
Fact: Banks aren’t the only ones to offer rewards programs. At Orlando Credit Union, we offer My Debit Offers for debit card holders and Rewards for credit card and some checking account holders.

Myth: Credit unions offer worse rates.
Fact: Actually, the opposite tends to be true. According to the National Credit Union Administration, on average, credit unions offer lower rates on loans and higher rates on savings accounts. Why is this the case? Credit unions are owned by their members, meaning our profits go toward your interests and not the ones of investors or CEOs.

How to Join

Becoming a member at Orlando Credit Union is easy! Here’s how to qualify:

  • Live, work or worship in Lake, Orange, Osceola, Seminole, Volusia, Brevard, Polk or Hillsborough county.
  • Be a family member of an Orlando Credit Union member. Family members include spouses, children, parents, siblings, stepchildren, stepparents, grandchildren and grandparents.

When you apply for membership, here are the steps you’ll need to take:

  • Make a $5 deposit into an Ownership Share account, establishing your status as a member-owner of our credit union.
  • Select a savings account and any additional products you would like, such as a checking account.
  • Provide information including your name, Social Security number, employment status and government ID (such as a driver’s license, passport or military ID).

That’s it! After submitting an application, your information will be reviewed and we’ll reach out to you to either confirm your new member status or to clarify information.

Becoming a member comes with perks! You’ll earn points just for getting started with Orlando Credit Union with our Rewards points program. The best part is the points can be redeemed for cash back, gifts cards, merchandise, charity, fuel redemption, as well as travel (including airline tickets, hotel and car rental). Learn more about all of the great opportunities to earn with Orlando Credit Union's Rewards points program.

Rewards banner



Ready to Become a Member?

No need to wait! Apply for membership right now with our online application.

Apply Online


Go to main navigation

Have questions? We're here to help.

Go to main navigation

Copyright © 2024, Orlando Credit Union. All Rights Reserved.

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

Orlando Credit Union

You are leaving Orlando Credit Union

Orlando Credit Union does not endorse or guarantee the products, information, or recommendations provided by linked sites and is not liable for any failure or products or services advertised on those sites. Each third-party site may have a privacy policy different from Orlando Credit Union and the linked third-party websites may provide less security than the Orlando Credit Union site.