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Orlando FCU
  • Auto Loans (2013 and newer)
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Other Details
    up to 24 months 1.99% $42.54 up to 125% Financing
    up to 36 months 2.49% $28.86 up to 125% Financing
    up to 48 months 2.99% $22.13 up to 125% Financing
    up to 60 months 3.29% $18.10 up to 125% Financing
    up to 72 months 3.49% $15.41 up to 125% Financing
    up to 84 months 3.74% $13.55 up 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.

  • Auto Loans (2012 and older)
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Other Details
    up to 24 months 3.99% $43.42 up to 125% Financing
    up to 36 months 4.49% $29.74 up to 125% Financing
    up to 48 months 4.99% $23.02 up to 125% Financing
    up to 60 months 5.29% $19.00 up to 125% Financing
    up to 72 months 5.49% $16.33 up to 125% Financing
    up to 84 months 5.74% $14.48 up 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.

  • Boats, RVs, ATVs, Motorcycles (2013 and newer)
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Other Details
    up to 24 months 5.24% $43.99 up to 110% Financing
    up to 48 months 5.49% $23.36 up to 110% Financing
    up to 72 months 5.99% $16.58 up to 110% Financing
    up to 95 months 6.99% $13.75 up to 110% Financing
    up to 12 years 7.99% $10.83 up 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, RVs, ATVs, Motorcycles (2012 and older)
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Other Details
    up to 24 months 7.24% $44.89 up to 110% Financing
    up to 36 months 7.49% $31.12 up to 110% Financing
    up to 48 months 7.99% $24.42 up to 110% Financing
    up to 60 months 8.99% $20.76 up to 110% Financing
    up to 72 months 9.99% $18.53 up 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.

  • Personal Loans
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Other Details
    Personal Loan
    up to 36 months 8.00% $31.34 Unsecured
    up to 60 months 9.00% $20.77 Unsecured
    Personal Line of Credit
    Revolving 10.00% N/A Unsecured
    Share Secured Loan
    12 months 3.20% $84.79 Secured 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.

  • Credit Cards
    APR*
    as low as    		 Terms and Conditions
    Visa Platinum
    10.25% 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
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Loan to Value**
    5 years 4.75% $18.45 Below 70% LTV
    5 years 5.00% $18.88 70%-79% LTV
    5 years 5.25% $18.99 80%-85% LTV
    5 years 5.50% $19.06 86%-90% LTV
    10 years 5.00% $10.61 Below 70% LTV
    10 years 5.25% $10.74 70%-79% LTV
    10 years 5.50% $10.86 80%-85% LTV
    10 years 5.75% $10.98 86%-90% LTV
    15 years 5.25% $8.04 Below 70% LTV
    15 years 5.50% $8.18 70%-79% LTV
    15 years 5.75% $8.31 80%-85% LTV
    15 years 6.00% $8.44 86%-90% 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 LOC
    Term APR*
    as low as    		 Cost per $1,000 Borrowed† Loan to Value**
    15 years 5.25% $8.05 Below 70% LTV
    15 years 5.50% $8.18 70%-79% LTV
    15 years 5.75% $8.31 80%-85% LTV
    15 years 6.00% $8.44 86%-90% LTV

    *APR (Annual Percentage Rate) is based on the following assumoptions unless noted:
    †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.

  • Mortgages - Most Popular
    Term APR*
    as low as
    15 year 3.490%
    20 year 3.750%
    30 year 3.875%

    *APR = Annual Percentage Rate is based on the following assumptions. Loan amount of $233,700 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

  • Savings
    Account Type Minimum balance to earn dividends Dividend Rate APY (Annual Percentage Yield)
    Share Savings Account $200 0.20% 0.20%
    CU Kidz Savers, CUTEAM, PrimePlus & Club accounts $200 0.20% 0.20%
    Dividend Checking $10,000 0.25% 0.25%
    Individual Retirement Accounts (IRAs)* N/A 0.45% 0.45%

    See how long it will take to reach your savings goal

    Rates are effective as of 3/18/2019. Rates are variable and may change after account opening at the discretion of Orlando Federal. Fees may reduce earnings.

    *IRA disclaimer: Earthy 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.

  • Money Market
    Tiers Deposit Amount Dividend Rate APY (Annual Percentage Yield)
    Tier 1 $1,000 - $9,999 0.20% 0.20%
    Tier 2 $10,000 - $24,999 0.20% 0.20%
    Tier 3 $25,000 - $49,999 0.30% 0.30%
    Tier 4 $50,000 - $99,999 0.40% 0.40%
    Tier 5 $100,000 - $999,999 0.50% 0.50%
    Tier 6 $1,000,000 and up 0.50% 0.50%

    Rates are effective as of 3/18/2019. Rates are variable and may change after account opening at the discretion of Orlando Federal. Fees may reduce earnings.

  • Term Share Certificates
    Minimum Deposit Amount Term Dividend Rate APY (Annual Percentage Yield)
    $500 12 months 1.29% 1.29%
    Special Rate
    $500 13 months 2.47% 2.47%
    Term Share Certificates with a minimum deposit amount of $1,000
    $1,000 6 months 1.29% 1.29%
    $1,000 12 months 1.64% 1.64%
    $1,000 18 months 2.03% 2.03%
    $1,000 24 months 2.81% 2.81%
    $1,000 60 months 2.90% 2.90%
    Jumbo Term Share Certificates with a minimum deposit amount of $50,000
    $50,000 6 months 1.34% 1.34%
    $50,000 12 months 1.69% 1.69%
    $50,000 18 months 2.08% 2.08%
    $50,000 24 months 2.91% 2.91%
    $50,000 60 months 3.20% 3.20%
    See how much your certificate will be worth at maturity

    Rates are effective as of 3/18/2019. Rates are fixed for the term of the Certificate. Certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

    *Annual Percentage Yield (APY) as of 2/10/2019. Minimum opening deposit is $500. After the initial term, the 13 month certificate will automatically renew into 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. Membership is required. Offer is for new money only. Certain Terms and Conditions apply.

  • IRA Term Share Certificates
    Minimum Deposit Amount Term Dividend Rate APY (Annual Percentage Yield)
    $1,000 6 months 1.31% 1.32%
    $1,000 12 months 1.66% 1.67%
    $1,000 18 months 2.05% 2.07%
    $1,000 24 months 2.83% 2.87%
    $1,000 60 months 2.99% 3.03%
    Jumbo IRA Term Share Certificates
    $50,000 6 months 1.36% 1.37%
    $50,000 12 months 1.71% 1.72%
    $50,000 18 months 2.10% 2.12%
    $50,000 24 months 2.93% 2.97%
    $50,000 60 months 3.23% 3.28%
    See how much you'll need to save for retirement

    *IRA disclaimer: Earthy 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.