skip to main content
Orlando
  • Auto Loans
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2017 and newer
    up to 24 months1.99%$42.54up to 125% Financing
    up to 36 months2.49%$28.86up to 125% Financing
    up to 48 months2.99%$22.13up to 125% Financing
    up to 60 months3.29%$18.10up to 125% Financing
    up to 72 months3.49%$15.41up to 125% Financing
    up to 84 months3.74%$13.55up to 125% Financing
    Model Year 2016 and older
    up to 24 months3.99%$43.42up to 125% Financing
    up to 36 months4.49%$29.74up to 125% Financing
    up to 48 months4.99%$23.02up to 125% Financing
    up to 60 months5.29%$19.00up to 125% Financing
    up to 72 months5.49%$16.33up to 125% Financing
    up to 84 months5.74%$14.48up to 125% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Testing the disclaimer.

  • Mortgages
    TermRate as low asAPR*Points
    15 Year Fixed2.625%2.908%0.00
    20 Year Fixed2.99%3.21%0.00
    30 Year Fixed3.00%3.155%0.00

    The rates above represent a sample of available loan rates and products. Please contact an Orlando Credit Union Mortgage Loan Representative to obtain additional mortgage product and payment information.

    *Annual Percentage Rate is based on the following assumptions. Loan amount of $250,000 with an LTV of 80%. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. The interest rates, APRs, closing costs and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

     

  • Credit Cards
    APR* as low asTerms and Conditions
    Visa Platinum
    8.00%Learn more

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Top tier rates are available to highly qualified individuals.

  • Home Equity
    TermAPR* as low asCost per $1,000 Borrowed†Loan to Value**
    5 years4.75%$18.67Below 70% LTV
    5 years5.00%$18.8870%-80% LTV
    10 years5.00%$10.61Below 70% LTV
    10 years5.25%$10.7470%-80% LTV
    15 years5.25%$8.05Below 70% LTV
    15 years5.50%$8.1870%-80% LTV

    *APR (Annual Percentage Rate)

    †Cost per thousand borrowed does not include applicable fees. Fees vary depending on loan amount, interest rate, title required, insurance and taxes. Fees may range from $500 - $1,800 based on a general estimate.

    **LTV Restrictions apply. Home Equity Loans are based on the Wall Street Journal Prime Rate. Your rate and closing costs may vary based upon loan features or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. The interest rates, APRs, closing costs are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

  • Home Equity Line of Credit
    TermAPR* as low asCost per $1,000 Borrowed†Loan to Value**
    15 years4.00%$7.66Below 70% LTV
    15 years4.00%$7.7970%-80% LTV

    *APR (Annual Percentage Rate) is variable based on the Wall Street Journal Prime Rate up to a maximum of 18.00%.  Your APR will be based on several factors including credit history, property value, the final loan amount, loan to value ratio, fees, property type, lien status or other factors.
    †Cost per thousand borrowed does not include applicable fees. Fees vary depending on loan amount, loan to value ratio, interest rate, property type, title search and other factors.  Fees may range from $500 - $3,800 based on a general estimate.
    **LTV Restrictions apply.  Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application.  Rates and fees shown are available to borrowers with an excellent credit history.  Other terms and conditions may apply.  Terms and conditions subject to change at any time without prior notice.

  • Personal Loans
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Personal Loan
    up to 36 months8.99%$31.80Unsecured
    up to 60 months9.99%$21.25Unsecured
    Personal Line of Credit
    Revolving10.99%N/AUnsecured
    Share Secured Loan
    12 months3.20%$84.79Secured by Savings

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Top tier rates are available to highly qualified individuals.

    †Share Secured Loans may be made at the Annual Percentage Rate of 3% above the current declared dividend rate. Maximum repayment schedule is 12 months for every $1,000 financed. Term may not exceed 15 years.

  • ATV, UTV, Personal Watercraft
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2017 and newer
    up to 36 months7.99%$31.35up to 110% Financing
    up to 48 months8.49%$24.66up to 110% Financing
    up to 60 months8.99%$20.77up to 110% Financing
    up to 72 months9.49%$18.29up to 110% Financing
    up to 84 months9.99%$16.61up to 110% Financing
    Model Year 2016 and older
    Up to 36 months9.99%$32.28up to 110% Financing
    Up to 48 months10.49%$25.61up to 110% Financing
    Up to 60 months10.99%$21.75up to 110% Financing
    Up to 72 months11.49%$19.30up to 110% Financing
    Up to 84 months11.99%$17.66up to 110% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs.

  • RVs, Travel Trailer
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2017 and Newer
    up to 60 months4.49%$18.65up to 110% Financing
    up to 84 months4.99%$14.14up to 110% Financing
    up to 120 months5.49%$10.86up to 110% Financing
    up to 144 months5.99%$9.76up to 110% Financing
    up to 180 months6.49%$8.71up to 110% Financing
    Model Year 2016 and older
    up to 60 months6.49%$19.57up to 110% Financing
    up to 84 months6.99%$15.10up to 110% Financing
    up to 120 months7.49%$11.87up to 110% Financing
    up to 144 months7.99%$10.83up to 110% Financing
    up to 180 months8.49%$9.85up to 110% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. 

  • Boats
    TermAPR* as low as Cost per $1,000 borrowedOther Details
    Model Year 2017 and newer
    up to 60 months5.49%$19.11Up to 110% financing
    up to 84 months5.99%$11.11Up to 110% financing
    up to 120 months6.49%$11.36Up to 110% financing
    up to 144 months **6.99%$10.29Up to 110% financing
    up to 180 months **7.24%$9.13Up to 110% financing
    Model Year 2018 and newer
    up to 60 months7.49%$20.04Up to 110% financing
    up to 84 months7.99%$12.14Up to 110% financing
    up to 120 months8.49%$12.40Up to 110% financing
    up to 144 months **8.99%$11.39Up to 110% financing
    up to 180 months **9.24%10.30Up to 110% financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Applicable to boats model year 2017 and newer. Boats model year 2016 and older, add 2% to current APR.

    ** Minimum loan amount of $25,000.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs.

  • Motorcycles
    TermAPR* as low asCost per $1,000 borrowedOther Details
    Model Year 2018 and newer
    Up to 36 months4.24%$29.64Up to 110% Financing
    Up to 48 months4.49%$22.81Up to 110% Financing
    Up to 60 months4.74%$18.76Up to 110% Financing
    Up to 72 months4.99%$16.11Up to 110% Financing
    Up to 84 months^5.24%$14.25Up to 110% Financing
    Model Year 2017 and older
    Up to 36 months6.24%$30.54Up to 110% Financing
    Up to 48 months6.49%$23.72Up to 110% Financing
    Up to 60 months6.74%$19.69Up to 110% Financing
    Up to 72 months6.99%$17.05Up to 110% Financing
    Up to 84 months^7.24%$15.22Up to 110% Financing

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.Minimum loan amount is $5,000. For model years 2017-2015 add 2% to current rate.

    Calculate your loan payment

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs.

    ^New models only with 10k miles or less. Minimum loan amount $25,000.

  • Savings
    Account TypeMinimum balance to earn dividendsDividend RateAPY (Annual Percentage Yield)
    Share Savings Account$2000.02%0.02%
    CU Kidz Savers, CUTEAM, PrimePlus & Club accounts$2000.02%0.02%
    Dividend Checking$10,0000.03%0.03%

    See how long it will take to reach your savings goal

    Rates are effective as of 6/1/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

     

  • Money Market
    TiersMinimum Deposit Dividend RateAPY (Annual Percentage Yield)
    Tier 1$1,000 - $9,9990.00%0.00%
    Tier 2$10,000 - $24,9990.05%0.05%
    Tier 3$25,000 - $49,9990.05%0.05%
    Tier 4$50,000 - $99,9990.10%0.10%
    Tier 5$100,000 - $999,9990.10%0.10%
    Tier 6$1,000,000 and up0.10%0.10%

    Rates are effective as of 6/1/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

  • Term Share Certificates
    Minimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
    $50012 months0.05%0.05%
    Term Share Certificates with a minimum deposit amount of $1,000
    $1,0006 months0.05%0.05%
    $1,00012 months0.10%0.10%
    $1,00018 months0.20%0.20%
    $1,00024 months0.25%0.25%
    $1,00060 months0.50%0.50%
    Jumbo Term Share Certificates with a minimum deposit amount of $50,000
    $50,0006 months0.05%0.05%
    $50,00012 months0.10%0.10%
    $50,00018 months0.20%0.20%
    $50,00024 months0.25%0.25%
    $50,00060 months0.50%0.50%

    See how much your certificate will be worth at maturity.

    Rates are effective as of 9/21/2020. 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.

  • Individual Retirement Account
    Mnimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
    Individual Retirement Accounts (IRAs)*
    N/AN/A0.10%0.10%
    IRA Term Share Certificates
    $10006 months0.05%0.05%
    $100012 months0.10%0.10%
    $100018 months0.20%0.20%
    $100024 months0.25%0.25%
    $100060 months0.50%0.50%
    Jumbo IRA Term Share Certificates**
    $50,0006 months0.05%0.05%
    $50,00012 months0.10%0.10%
    $50,00018 months0.20%0.20%
    $50,00024 months0.25%0.25%
    $50,00060 months0.50%0.50%

    See how long it will take to reach your savings goal

    Rates are effective as of 9/21/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

    *IRA disclosure: Early Withdrawal Penalty - In order to avoid tax penalties by the IRS, you must wait until you attain the age of 59-1/2 to withdraw funds or be able to demonstrate your withdrawal is being used for qualified higher education expenses or a first-time home purchase. Roth IRA holders must also satisfy a minimum five-year holding period. If a person takes funds out of an IRA before age 59-1/2 for purposes other than qualified higher education expenses or the first-time purchase of a home, this is a "premature" distribution and a 10% penalty may be assessed by the Internal Revenue Service (IRS). Premature distributions are also subject to income tax. There are some additional, special circumstances such as death, permanent disability, mental incompetence and certain medical expences that allow funds to be withdrawn without a 10% premature penalty. After age 59-1/2, an individual can withdraw funds whenever requested and in any amount without incurring tax penalties.

    IRA Certificate Disclosure** - Rates are effective as of 09/21/2020. Rates are fixed for the term of the IRA Certificate. IRA Certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties may apply. Fees may reduce earnings.