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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Savings

Savings
Account TypeMinimum balance to earn dividendsDividend RateAPY (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

Money Market
TiersMinimum DepositDividend RateAPY (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

Term Share Certificates
Minimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
$500 12 months 3.69% 3.75%
Term Share Certificates with a minimum deposit amount of $1,000
$1,000 6 months 3.69% 3.75%
$1,000 12 months 4.65% 4.75%
$1,000 13 months 5.13% 5.25%
$1,000 18 months 4.55% 4.65%
$1,000 24 months 4.36% 4.45%
$1,000 60 months 3.40% 3.45%
Jumbo Term Share Certificates with a minimum deposit amount of $50,000
$50,000 6 months 3.93% 4.00%
$50,000 12 months 4.89% 5.00%
$50,000 18 months 4.79% 4.90%
$50,000 24 months 4.60% 4.70%
$50,000 60 months 3.64% 3.70%


See how much your certificate will be worth at maturity.

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.

Individual Retirement Account

Individual Retirement Account
Minimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
Individual Retirement Accounts (IRAs)*
N/A N/A 0.10% 0.10%
IRA Term Share Certificates
$1,000 6 months 3.69% 3.75%
$1,000 12 months 4.65% 4.75%
$1,000 18 months 4.55% 4.65%
$1,000 24 months 4.36% 4.45%
$1,000 60 months 3.40% 3.45%
Jumbo IRA Term Share Certificates**
$50,000 6 months 3.93% 4.00%
$50,000 12 months 4.89% 5.00%
$50,000 18 months 4.79% 4.90%
$50,000 24 months 4.60% 4.70%
$50,000 60 months 3.64% 3.70%


See how long it will take to reach your savings goal

Rates are effective as of 8/21/2023. 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 expenses 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.

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