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 McCoy Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
McCoy Federal Credit Union's 24 Month CD rates are at 4.28%, 18 Month CD rates are at 4.23%, 36 Month CD rates are at 4.07%, 60 Month CD rates are at 4.07%, 12 Month CD rates are at 3.76%. McCoy Federal Credit Union's savings rates are at 0.05%. McCoy Federal Credit Union's money market rates are at 3.30%. McCoy Federal Credit Union's checking rates are as high as 0.15%. McCoy Federal Credit Union's First Mortgage - 10 year - fixed rates are at 5.25%, First Mortgage - 15 year - fixed rates are at 5.50%, First Mortgage - 20 year - fixed rates are at 6.00%, First Mortgage - 30 year - fixed rates are at 6.00%. McCoy Federal Credit Union's Personal Loan Rates are as low as 11.50%. McCoy Federal Credit Union's Credit Card Rates are at 13.00%. McCoy Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of McCoy Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 10/29/2026. McCoy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at McCoy Federal Credit Union? Share your experience about McCoy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use McCoy Federal Credit Union. McCoy Federal Credit Union
McCoy Federal Credit Union 41 W Michigan St
https://www.mccoyfcu.org Orlando, FL 32806  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. McCoy Federal Credit Union CD Rates
McCoy Federal Credit Union Business Savings Rates
McCoy Federal Credit Union Business Money Market Rates
McCoy Federal Credit Union Business Checking Rates
McCoy Federal Credit Union Mortgage Rates
McCoy Federal Credit Union Home Equity & HELOC
McCoy Federal Credit Union Auto Loan Rates
McCoy Federal Credit Union RV, Boat and Powersport Loan Rates
McCoy Federal Credit Union Credit Card Rates
McCoy Federal Credit Union Personal Loan Rates
McCoy Federal Credit Union Other Rates
Financial Health HistoryMcCoy Federal Credit Union’s Texas Ratio rose from 2.91% in Q3 2023 to 3.49% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for McCoy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather McCoy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with McCoy Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
McCoy Federal Credit Union
Website
https://www.mccoyfcu.org
Address
41 W Michigan St,
Orlando, FL 32806
Phone
407-855-5452
Fax
407-472-2792
President
Stephen Graham
CEO
Alvin Cowans
Full-Time Employees
203
Part-Time Employees
24
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.49%
Return on Assets (ROA)
0.1929%
Return on Equity (ROE)
1.8449%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
1,021,497,099
Total Amount of Shares and Deposits
900,694,583
Total Shares and Deposits < 1 Year
887,007,107
Total Shares and Deposits 1 3 Years
8,989,371
Total Shares and Deposits > 3 Years
4,698,106
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,512,418
Total Uninsured Shares and Deposits > $250K (F+J)
51,512,418
Total Insured Shares and Deposits > $250K (item 17 less item K)
849,182,165
Total Interest Expense (Sum of items 6 8)
6,088,019
Share Certificates
5,130
Number of Accounts for Share Drafts
42,027
IRA KEOGH Accounts
2,085
Number of Accounts for Regular Shares
90,423
All other shares
107
Money Market Shares
1,508
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
85,432,719
Total Liabilities
937,522,733
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About McCoy Federal Credit UnionDoes McCoy Federal Credit Union offer CDs?Yes. McCoy Federal Credit Union current CD rates include its 24 Month CD at 4.282% APY, its 18 Month CD at 4.23% APY and its 36 Month CD at 4.074% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from McCoy Federal Credit Union NCUA insured?Yes. McCoy Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at McCoy Federal Credit Union?The highest McCoy Federal Credit Union CD rate is its 24 Month CD at 4.282% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does McCoy Federal Credit Union offer?McCoy Federal Credit Union CD rates are 3.763% APY for a 12 month CD, 4.23% APY for an 18 month CD, 4.282% APY for a 2 year CD, 4.074% APY for a 3 year CD and 4.074% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with McCoy Federal Credit Union for its full lineup. What is the highest savings rate at McCoy Federal Credit Union?The highest McCoy Federal Credit Union savings rate is its Business Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at McCoy Federal Credit Union?The highest McCoy Federal Credit Union money market rate is its Business Money Market at 3.303% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at McCoy Federal Credit Union?The highest McCoy Federal Credit Union checking rate is its Everyday+ Business Checking at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at McCoy Federal Credit Union?The lowest McCoy Federal Credit Union 30 year fixed mortgage rate is its First Mortgage - 30 year - fixed at 6.00%, verified by MonitorBankRates as of October 29, 2026. McCoy Federal Credit Union mortgage rates are 6.00% for a 30 year mortgage, 6.00% for a 20 year mortgage, 5.50% for a 15 year mortgage and 5.25% for a 10 year mortgage. What is the lowest auto loan rate at McCoy Federal Credit Union?The lowest McCoy Federal Credit Union auto loan rate is its NEW Auto & Truck at 5.40% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at McCoy Federal Credit Union?The lowest McCoy Federal Credit Union personal loan rate is its Personal Unsecured Loan at 11.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at McCoy Federal Credit Union?The lowest McCoy Federal Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 13.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does McCoy Federal Credit Union operate?McCoy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join McCoy Federal Credit Union?Yes, to access services at McCoy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, McCoy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, McCoy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does McCoy Federal Credit Union offer online and mobile banking?Most modern institutions like McCoy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mccoyfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do McCoy Federal Credit Union rates compare?McCoy Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. McCoy Federal Credit Union's top rates are its 24 Month CD at 4.282% APY, its Business Savings at 0.05% APY, its Business Money Market at 3.303% APY, its Everyday+ Business Checking at 0.15% APY, its First Mortgage - 10 year - fixed at 5.25%, its Personal Unsecured Loan at 11.50% APR and its Visa Platinum Rewards Credit Card at 13.00% APR, verified by MonitorBankRates on October 29, 2026. Current McCoy Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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