- Auto Financing
Term APR* as low as Cost per $1,000 Borrowed† Other Details Model Year 2019 and newer up to 24 months 5.49% $44.10 up to 125% Financing up to 36 months 5.74% $30.31 up to 125% Financing up to 48 months 5.99% $23.49 up to 125% Financing up to 60 months 6.04% $19.36 up to 125% Financing up to 72 months 6.24% $16.69 up to 125% Financing up to 84 months 6.74% $14.97 up to 125% Financing Model Year 2018 and older up to 24 months 6.49% $44.55 up to 125% Financing up to 36 months 6.74% $30.77 up to 125% Financing up to 48 months 6.99% $23.95 up to 125% Financing up to 60 months 7.04% $19.83 up to 125% Financing up to 72 months 7.24% $17.17 up to 125% Financing *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. Vehicle must be titled and registered in the state of Florida.
- Mortgages
Term Rate as low as APR* Points 15 Year Fixed 5.75% 6.26% 0.00 20 Year Fixed 6.5% 6.92% 0.00 30 Year Fixed 6.375% 6.69% 0.00 *APR = Annual Percentage Rate
- Credit Cards
APR* as low as Terms and Conditions Visa SMART Credit Card 10.75% Learn more Visa Xtreme REWARDS Credit Card 14.75% Learn more - Home Equity
Term APR* as low as Cost per $1,000 Borrowed† Loan to Value** 5 years 7.00% $19.81 Below 70% LTV 5 years 7.25% $19.93 70%-80% LTV 10 years 7.25% $11.75 Below 70% LTV 10 years 7.50% $11.88 70%-80% LTV 15 years 7.50% $9.28 Below 70% LTV 15 years 7.74% $9.42 70%-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, lien status 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
Term APR* as low as Cost per $1,000 Borrowed† Loan to Value** 15 years 8.25% $9.71 Less than or equal to 70% LTV 15 years 8.50% $9.86 71%-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
Term APR* as low as Cost per $1,000 Borrowed† Other Details Personal Loan up to 36 months 10.99% $32.74 Unsecured up to 60 months 11.99% $22.25 Unsecured Personal Line of Credit Revolving 12.99% N/A Unsecured Share Secured Loan 12 months 3.02% $84.71 Secured by Savings *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
Term APR* as low as Cost per $1,000 Borrowed† Other Details Model Year 2019 and newer up to 36 months 8.99% $31.80 up to 110% Financing up to 48 months 9.49% $25.13 up to 110% Financing up to 60 months 9.99% $21.25 up to 110% Financing up to 72 months 10.49% $18.78 up to 110% Financing up to 84 months 10.99% $17.13 up to 110% Financing Model Year 2018 and older Up to 36 months 9.99% $32.27 up to 110% Financing Up to 48 months 10.49% $25.61 up to 110% Financing Up to 60 months 10.99% $21.75 up to 110% Financing Up to 72 months 11.49% $19.29 up to 110% Financing Up to 84 months 11.99% $17.66 up to 110% Financing *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. Recreational vehicles must be titled and registered in the state of Florida.
- RVs, Travel Trailer
Term APR* as low as Cost per $1,000 Borrowed† Other Details Model Year 2019 and Newer up to 60 months 6.74% $19.69 up to 110% Financing up to 84 months 6.99% $15.10 up to 110% Financing up to 120 months 7.49% $11.87 up to 110% Financing up to 144 months 7.99% $10.83 up to 110% Financing up to 180 months 8.49% $9.85 up to 110% Financing Model Year 2018 and older up to 60 months 7.74% $20.16 up to 110% Financing up to 84 months 7.99% $15.59 up to 110% Financing up to 120 months 8.49% $12.40 up to 110% Financing up to 144 months 8.99% $11.38 up to 110% Financing up to 180 months 9.49% $10.45 up to 110% Financing *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. Recreational vehicles must be titled and registered in the state of Florida.
- Boats
Term APR* as low as Cost per $1,000 borrowed Other Details Model Year 2018 and newer up to 60 months 7.59% $20.09 Up to 110% financing up to 84 months 8.09% $15.64 Up to 110% financing up to 120 months 8.59% $12.46 Up to 110% financing up to 144 months ** 9.09% $11.44 Up to 110% financing up to 180 months ** 9.34% $10.35 Up to 110% financing Model Year 2017 and older up to 60 months 8.59% $20.57 Up to 110% financing up to 84 months 9.09% $16.14 Up to 110% financing up to 120 months 9.59% $13.00 Up to 110% financing up to 144 months ** 10.09% $12.01 Up to 110% financing up to 180 months ** 10.34% $10.96 Up to 110% financing *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.
** Minimum loan amount of $25,000.
†Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.
- Motorcycles
Term APR* as low as Cost per $1,000 borrowed Other Details Model Year 2022 and newer Up to 36 months 5.99% $30.42 Up to 110% Financing Up to 48 months 6.24% $23.60 Up to 110% Financing Up to 60 months 6.49% $19.57 Up to 110% Financing Up to 72 months 6.74% $16.93 Up to 110% Financing Up to 84 months^ 6.99% $15.10 Up to 110% Financing Model Year 2021 and older Up to 36 months 6.99% $30.88 Up to 110% Financing Up to 48 months 7.24% $24.06 Up to 110% Financing Up to 60 months 7.49% $20.04 Up to 110% Financing Up to 72 months 7.74% $17.41 Up to 110% Financing Up to 84 months^ 7.99% $15.59 Up to 110% Financing *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.Minimum loan amount is $5,000.
†Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.
^New models only with 10k miles or less. Minimum loan amount $25,000.
- Savings
Account Type Minimum balance to earn dividends Dividend Rate APY (Annual Percentage Yield) Share Savings Account $200 0.02% 0.02% CU Kidz Savers, CUTEAM, PrimePlus & Club accounts $200 0.02% 0.02% Dividend Checking $10,000 0.03% 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
Tiers Minimum Deposit Dividend Rate APY (Annual Percentage Yield) Tier 1 $1,000 - $9,999 0.00% 0.00% Tier 2 $10,000 - $24,999 0.05% 0.05% Tier 3 $25,000 - $49,999 0.05% 0.05% Tier 4 $50,000 - $99,999 0.10% 0.10% Tier 5 $100,000 - $999,999 0.10% 0.10% Tier 6 $1,000,000 and up 0.10% 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 Amount Term Dividend Rate APY (Annual Percentage Yield) $500 12 months 2.18% 2.20% Term Share Certificates with a minimum deposit amount of $1,000 $1,000 6 months 2.18% 2.20% $1,000 12 months 3.21% 3.25% $1,000 18 months 3.79% 3.85% $1,000 24 months 3.64% 3.70% $1,000 60 months 3.69% 3.75% Jumbo Term Share Certificates with a minimum deposit amount of $50,000 $50,000 6 months 2.96% 3.00% $50,000 12 months 3.45% 3.50% $50,000 18 months 3.93% 4.00% $50,000 24 months 3.69% 3.75% $50,000 60 months 3.74% 3.80% See how much your certificate will be worth at maturity.
Rates are effective as of 5/31/2023. 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.
- Individual Retirement Account
Minimum Deposit Amount Term Dividend Rate APY (Annual Percentage Yield) Individual Retirement Accounts (IRAs)* N/A N/A 0.10% 0.10% IRA Term Share Certificates $1000 6 months 2.18% 2.20% $1000 12 months 3.21% 3.25% $1000 18 months 3.79% 3.85% $1000 24 months 3.64% 3.70% $1000 60 months 3.69% 3.75% Jumbo IRA Term Share Certificates** $50,000 6 months 2.96% 3.00% $50,000 12 months 3.45% 3.50% $50,000 18 months 3.93% 4.00% $50,000 24 months 3.69% 3.75% $50,000 60 months 3.74% 3.80% See how long it will take to reach your savings goal
Rates are effective as of 5/31/2023. 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.