FRAUD ALERT: Scammers are calling members falsifying that they are Orlando Credit Union. Orlando Credit Union would NEVER call, email, or text ANYONE seeking personal information such as an Account PIN, ANY Password, or a Social Security Number. If engaged to verify personal information, hang up or delete any correspondence immediately. Learn more
FRAUD ALERT: Orlando Credit Union would NEVER call, email, or text seeking personal information such as an Account PIN, Password, or a Social Security Number. If asked to verify personal information, hang up or delete any messages immediately. Learn more
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Auto Financing

Auto Financing
TermAPR as low as*Other Details
Model Year 2020 and newer
up to 24 months 5.49% up to 125% Financing
up to 36 months 6.24% up to 125% Financing
up to 48 months 6.49% up to 125% Financing
up to 60 months 6.54% up to 125% Financing
up to 72 months 6.74% up to 125% Financing
up to 84 months 7.24% up to 125% Financing
Model Year 2019 and older
up to 24 months 6.49% up to 125% Financing
up to 36 months 7.24% up to 125% Financing
up to 48 months 7.49% up to 125% Financing
up to 60 months 7.54% up to 125% Financing
up to 72 months 7.74% up to 125% Financing

Learn more about auto 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. Vehicle must be titled and registered in the state of Florida.

Mortgage Lending

Mortgage Lending

Contact us for information on our rates or learn more about mortgage lending.

CALL US  BOOK APPOINTMENT

Credit Cards

Credit Cards
APR as low as*More Information
Visa Xtreme REWARDS Credit Card
14.50%

1.99% to 6.99% first 6 months on purchases and balance transfers

Learn More and Apply Online

Visa SMART Credit Card
10.50%

1.99% to 6.99% first 6 months on purchases and balance transfers

Learn More and Apply Online

Secured Visa SMART Credit Card
10.50% Learn More and Apply Online

Learn more about Orlando Credit Union credit cards


* APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

Home Equity Loans

Home Equity Loans

Contact us for information on our rates* or learn more about home equity loans.

CALL US  BOOK APPOINTMENT

 

*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

Home Equity Line of Credit
TermAPR as low as*Loan to Value**
25 years 8.00% Less than or equal to 70% LTV
25 years 8.25% 71%-80% LTV

Learn more about home equity line of credit


*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.

**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

Personal Loans
TermAPR as low as*Other Details
Personal Loan
up to 36 months 11.49% Unsecured
up to 60 months 12.49% Unsecured
Personal Line of Credit
Revolving 13.49% Unsecured
Share Secured Loan†
12 months 3.02% Secured by Savings

Learn more about personal loans

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

ATV, UTV, Personal Watercraft
TermAPR as low as*Other Details
Model Year 2020 and newer
up to 36 months 9.24% up to 110% Financing
up to 48 months 9.74% up to 110% Financing
up to 60 months 10.24% up to 110% Financing
up to 72 months 10.74% up to 110% Financing
up to 84 months 11.24% up to 110% Financing
Model Year 2019 and older
up to 36 months 10.24% up to 110% Financing
up to 48 months 10.74% up to 110% Financing
up to 60 months 11.24% up to 110% Financing
up to 72 months 11.74% up to 110% Financing
up to 84 months 12.24% up to 110% Financing

Learn more about vehicle loans

Calculate your loan payment


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

RVs, Travel Trailer

RVs, Travel Trailer
TermAPR as low as*Other Details
Model Year 2020 and newer
up to 60 months 7.49% up to 110% Financing
up to 84 months 7.74% up to 110% Financing
up to 120 months 8.24% up to 110% Financing
up to 144 months 8.74% up to 110% Financing
up to 180 months 9.24% up to 110% Financing
Model Year 2019 and older
up to 60 months 8.49% up to 110% Financing
up to 84 months 8.74% up to 110% Financing
up to 120 months 9.24% up to 110% Financing
up to 144 months 9.74% up to 110% Financing
up to 180 months 10.24% up to 110% Financing

Learn more about vehicle loans

Calculate your loan payment


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

Boats

Boats
TermAPR as low as*Cost per $1,000 Borrowed†Other Details
Model Year 2020 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 2019 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

Learn more about vehicle loans

Calculate your loan payment


*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

Motorcycles
TermAPR as low as*Other Details
Model Year 2020 and newer
up to 36 months 6.24% up to 110% Financing
up to 48 months 6.49% up to 110% Financing
up to 60 months 6.74% up to 110% Financing
up to 72 months 6.99% up to 110% Financing
up to 84 months^ 7.49% up to 110% Financing
Model Year 2019 and older
up to 36 months 7.24% up to 110% Financing
up to 48 months 7.49% up to 110% Financing
up to 60 months 7.74% up to 110% Financing
up to 72 months 7.99% up to 110% Financing
up to 84 months^ 8.49% up to 110% Financing

Learn more about vehicle loans

Calculate your loan payment


*APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Minimum loan amount is $5,000.

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

Checking & Savings

Checking & 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%
Premium Rewards Checking $10,000 0.03% 0.03%

Learn more about checking accounts

Learn more about savings accounts

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%

Learn more about money market accounts


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 7 months** 4.75% 4.85%
$1,000 12 months 4.60% 4.70%
$1,000 18 months 4.41% 4.50%
$1,000 24 months 4.22% 4.30%
$1,000 60 months 3.40% 3.45%
Jumbo Term Share Certificates with a minimum deposit amount of $100,000
$100,000 6 months 3.74% 3.80%
$100,000 12 months 4.79% 4.90%
$100,000 18 months 4.51% 4.60%
$100,000 24 months 4.41% 4.50%
$100,000 60 months 3.64% 3.70%

Learn more about certificates

See how much your certificate will be worth at maturity


Rates are effective as of 10/1/2024. 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 10/1/24. Minimum opening deposit is $1,000. After the initial term, the 7-month certificate will automatically renew to the 6-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 4.60% 4.70%
$1,000 18 months 4.41% 4.50%
$1,000 24 months 4.22% 4.30%
$1,000 60 months 3.40% 3.45%
Jumbo IRA Term Share Certificates**
$100,000 6 months 3.74% 3.80%
$100,000 12 months 4.79% 4.90%
$100,000 18 months 4.51% 4.60%
$100,000 24 months 4.41% 4.50%
$100,000 60 months 3.64% 3.70%

Learn more about individual retirement accounts

See how long it will take to reach your savings goal


* IRA disclosure: APY = Annual Percentage Yield current as of March 18, 2019. Rate subject to change at any time without notice. Fees and penalties can reduce earnings on the account.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 10/1/2024. 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.

Business Growth Checking with Interest

Business Growth Checking with Interest
TiersMinimum balance to earn dividendsRateAPY (Annual Percentage Yield)
Tier 1 $0-$9,999 0.00% 0.00%
Tier 2 $10,000-$49,999 0.03% 0.03%
Tier 3 $50,000-$99,999 0.08% 0.08%
Tier 4 $100000-$499,999 0.08% 0.08%
Tier 5 $500,000 and up 0.08% 0.08%

Learn more about Business Checking accounts


Rates are effective as of 6/17/2024. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

Business Money Market

Business Money Market
TiersMinimum DepositRateAPY (Annual Percentage Yield)
Tier 1 $1,000 - $9,999 0.00% 0.00%
Tier 2 $10,000 - $49,999 0.07% 0.07%
Tier 3 $50,000 - $99,999 0.12% 0.12%
Tier 4 $100,000 - $499,999 0.12% 0.12%
Tier 5 $500,000 and up 0.12% 0.12%

Learn more about Business Money Market accounts


Rates are effective as of 6/17/2024. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

Business Term Share Certificates

Business Term Share Certificates
Minimum DepositTermRateAPY (Annual Percentage Yield)
Term Share Certificates with a minimum deposit amount of $1,000
$1,000 6 months 3.69% 3.75%
$1,000 6 months promo with credit card* 4.65% 4.75%
$1,000 12 months 4.60% 4.70%
$1,000 18 months 4.41% 4.50%
$1,000 24 months 4.22% 4.30%
$1,000 60 months 3.40% 3.45%
Jumbo Term Share Certificates with a minimum deposit amount of $100,000
$100,000 6 months 3.74% 3.80%
$100,000 12 months 4.79% 4.90%
$100,000 18 months 4.51% 4.60%
$100,000 24 months 4.41% 4.50%
$100,000 60 months 3.64% 3.70%

Rates are effective as of 10/1/2024. 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.

*This offer is only available for new money memberships. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

Business Loans

Contact us for information on business loan rates* including:

  • Business Vehicle Financing
  • Business Line of Credit
  • Business Term Loan

Book Appointment Today


* Individual rates and terms depend on credit worthiness. Subject to credit approval. Membership required, to be eligible you must maintain a Business Ownership Savings Account with $5.

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