What are the current interest rates at Orlando Credit Union?

Current rates for Orlando Credit Union include: 12-Month CD: 3.67%, 18-Month CD: 3.05%, 24-Month CD: 2.79%, 60-Month CD: 3.05%, Savings: 0.02%, MMA: 0.10%

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Orlando Credit Union

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Orlando Credit Union Rates & Review October 2026

Q: How many branches does Orlando Credit Union operate?

Orlando 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.

Q: Is a member application needed to join Orlando Credit Union?

Yes, to access services at Orlando 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.

Q: Is there a first-time homebuyer program?

Currently, Orlando 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Orlando Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Orlando Credit Union's top rates as of October 10, 2026 are 3.88% APY on its 12 Month IRA Term CD, 0.02% APY on savings, 0.10% APY on money market accounts, 0.03% APY on checking, 6.38% on its Mortgage Lending - 15 Year Fixed, personal loans from 10.49% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other Orlando Credit Union CD rates include 12 Month Term CD at 3.80%, 12-Month Term Starter at 3.80%, and 12 Month Jumbo IRA Term CD at 3.71%. Other Orlando Credit Union mortgage rates include Mortgage Lending - 30 Year Fixed at 7.12%. MonitorBankRates evaluates the financial stability of Orlando Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.22%. Rates last updated and verified on 10/10/2026.

Orlando 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 Orlando Credit Union? Share your experience about Orlando Credit Union by leaving a review below, or read customer reviews before you decide to use Orlando Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Orlando Credit Union
SODO

945 S Orange Ave
Orlando, FL 32806-1212

https://www.orlandocreditunion.org

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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.

Orlando Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Term Share Certificate	3.80%	3.88%	12 months
Min Deposit $500 Details min and max deposit Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.88% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 Month Term Share Certificate	3.72%	3.80%	12 months
Min Deposit $500 Details Term Share Certificate with a minimum and maximum deposit amount of $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12-Month Term Starter	-	3.80%	12-Month
Min Deposit $500 Details min & max deposit* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 Month Jumbo IRA Term Share Certificate	3.65%	3.71%	12 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 Month Jumbo Term Share Certificate	3.65%	3.71%	12 months
Min Deposit $100,000 Details Jumbo Term Share Certificates with a minimum deposit amount of $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12-Month Jumbo Term Share	-	3.71%	12-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 Month IRA Term Share Certificate	3.60%	3.67%	12 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.67% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 Month Term Share Certificate	3.60%	3.67%	12 months
Min Deposit $1,000 Details Term Share Certificates with a minimum deposit amount of $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.67% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12-Month Term	-	3.67%	12-Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.67% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Jumbo IRA Term Share Certificate	3.45%	3.51%	6 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Jumbo Term Share Certificate	3.45%	3.51%	6 months
Min Deposit $100,000 Details Jumbo Term Share Certificates with a minimum deposit amount of $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6-Month Jumbo Term Share	-	3.51%	6-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month IRA Term Share Certificate	3.40%	3.46%	6 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Term Share Certificate	3.40%	3.46%	6 months
Min Deposit $1,000 Details Term Share Certificates with a minimum deposit amount of $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6-Month Term	-	3.46%	6-Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Jumbo IRA Term Share Certificate	3.05%	3.09%	18 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Jumbo Term Share Certificate	3.05%	3.09%	18 months
Min Deposit $100,000 Details Jumbo Term Share Certificates with a minimum deposit amount of $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18-Month Jumbo Term Share	-	3.09%	18-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
60 Month Jumbo IRA Term Share Certificate	3.05%	3.09%	60 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
60 Month Jumbo Term Share Certificate	3.05%	3.09%	60 months
Min Deposit $100,000 Details Jumbo Term Share Certificates with a minimum deposit amount of $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month IRA Term Share Certificate	3.00%	3.05%	18 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Term Share Certificate	3.00%	3.05%	18 months
Min Deposit $1,000 Details Term Share Certificates with a minimum deposit amount of $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
60 Month IRA Term Share Certificate	3.00%	3.05%	60 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
60 Month Term Share Certificate	3.00%	3.05%	60 months
Min Deposit $1,000 Details Term Share Certificates with a minimum deposit amount of $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
24 Month Jumbo IRA Term Share Certificate	2.80%	2.84%	24 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
24 Month Jumbo Term Share Certificate	2.80%	2.84%	24 months
Min Deposit $100,000 Details Jumbo Term Share Certificates with a minimum deposit amount of $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.84% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
24 Month IRA Term Share Certificate	2.75%	2.79%	24 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
24 Month Term Share Certificate	2.75%	2.79%	24 months
Min Deposit $1,000 Details Term Share Certificates with a minimum deposit amount of $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Savings Rates

Product	Rate	APY
CU Kidz Savers, CUTEAM, PrimePlus & Club accounts	0.02%	0.02%
Min Balance $200 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Share Savings Account	0.02%	0.02%
Min Balance $200 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	0.10%	0.10%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $999,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	0.10%	0.10%
Min Deposit $1,000,000 Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	0.05%	0.05%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Checking Rates

Product	Rate	APY	View More
Premium Rewards Checking	0.03%	0.03%
Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Lending - 15 Year Fixed	6.375%	0	6.58%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.20% → 6.58% ▲ 0.38 pts · high 6.58% / low 6.20% Oct 1, 20266.58%▲ from 6.45% Sep 22, 20266.45%▲ from 6.33% Sep 18, 20266.33%▲ from 6.20% Sep 14, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Mortgage Lending - 30 Year Fixed	7.125%	0	7.261%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 7.26% ▲ 0.51 pts · high 7.26% / low 6.75% Oct 1, 20267.26%▲ from 7.13% Sep 22, 20267.13%▲ from 6.88% Sep 18, 20266.88%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.25%	5 years
Details Term: 5, 10 or 15 Year Terms Available; 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. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Home Equity Line of Credit	-	-	7.00%	25 years
Details Loan to Value: Less than or equal to 70% LTV Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.00%	up to 36 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Auto Loan	-	-	4.25%	up to 36 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Auto Loan	-	-	4.40%	up to 48 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Auto Loan	-	-	4.55%	up to 60 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Auto Loan	-	-	4.70%	up to 48 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Auto Loan	-	-	4.75%	up to 72 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Auto Loan	-	-	4.85%	up to 60 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Auto Loan	-	-	5.10%	up to 72 months
Details APR includes Local Heroes Program Discount Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Auto Loan	-	-	5.45%	up to 84 months
Details APR includes Local Heroes Program Discount Minimum loan amount: $25,000 Maximum mileage: 60,000 miles Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Auto Loan	-	-	5.80%	up to 84 months
Details APR includes Local Heroes Program Discount Minimum loan amount: $25,000 Maximum mileage: 60,000 miles Not available for vehicles 2020 or older Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Auto Financing	-	-	6.25%
Details Advertised rate includes 0.50% discount applicable to Local Heroes Auto Financing Program. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	6.24%	up to 36 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Motorcycles Loan	-	6.49%	up to 48 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Motorcycles Loan	-	6.74%	up to 60 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Motorcycles Loan	-	7.24%	up to 36 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Motorcycles Loan	-	7.49%	up to 48 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2022 and newer	-	7.49%	up to 60 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	7.59%	up to 60 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Motorcycles Loan	-	7.74%	up to 60 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2022 and newer	-	7.74%	up to 84 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	8.09%	up to 84 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2022 and newer	-	8.24%	up to 120 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2021 and older	-	8.49%	up to 60 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	8.59%	up to 120 months
Details Model Year 2022 and newer; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	8.59%	up to 60 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2021 and older	-	8.74%	up to 84 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	9.09%	up to 84 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan - Model Year 2021 and older	-	9.24%	up to 120 months
Details up to 90% Financing Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Boats Loan	-	9.59%	up to 120 months
Details Model Year 2021 and older; up to 90% Financing Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Credit Card Rates

Product	Rate	APR
Secured Visa SMART Credit Card	-	12.99%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.74% → 12.99% ▲ 0.25 pts · high 12.99% / low 12.74% Sep 22, 202612.99%▲ from 12.74% Sep 14, 202612.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Visa SMART Credit Card	-	12.99%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.74% → 12.99% ▲ 0.25 pts · high 12.99% / low 12.74% Sep 22, 202612.99%▲ from 12.74% Sep 14, 202612.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Visa Xtreme REWARDS Credit Card	-	15.49%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24% Sep 22, 202615.49%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.49%	up to 36 months
Details Unsecured Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Personal Loan	11.49%	up to 60 months
Details Unsecured Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Personal Line of Credit	12.49%	Revolving
Details Unsecured Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Orlando Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Individual Retirement Accounts (IRAs)	0.10%	-	0.10%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Orlando Credit Union’s Texas Ratio rose from 1.69% in Q3 2023 to 4.22% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$379M	4.22%	5.0	A+
March 31, 2026	$364M	5.93%	5.0	A+
December 31, 2025	$343M	6.61%	5.0	A
September 30, 2025	$356M	7.65%	5.0	A
June 30, 2025	$359M	8.96%	5.0	A
March 31, 2025	$363M	9.63%	5.0	A
December 31, 2024	$386M	7.26%	5.0	A
September 30, 2024	$377M	8.12%	5.0	A
June 30, 2024	$358M	1.94%	5.0	A+
March 31, 2024	$349M	3.61%	5.0	A+
December 31, 2023	$333M	1.57%	5.0	A+
September 30, 2023	$333M	1.69%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Orlando 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 Orlando 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 Orlando Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Orlando Credit Union

Website https://www.orlandocreditunion.org

Address 945 S Orange Ave, Orlando, FL 32806-1212

Phone 407-835-3500

Fax

President F.J. Flynn

CEO Suzanne Weinstein

Full-Time Employees 64

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.22%

Return on Assets (ROA)

0.1423%

Return on Equity (ROE)

1.6532%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

379,162,530

Total Amount of Shares and Deposits

335,529,892

Total Shares and Deposits < 1 Year

330,825,376

Total Shares and Deposits 1 3 Years

2,948,160

Total Shares and Deposits > 3 Years

1,756,356

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

52,516,254

Total Uninsured Shares and Deposits > $250K (F+J)

52,516,254

Total Insured Shares and Deposits > $250K (item 17 less item K)

283,013,638

Total Interest Expense (Sum of items 6 8)

2,121,858

Share Certificates

2,437

Number of Accounts for Share Drafts

17,298

IRA KEOGH Accounts

785

Number of Accounts for Regular Shares

58,938

All other shares

111

Non Member Deposits

Money Market Shares

865

Net Income (unless the amount is already included in Undivided Earnings)

539,542

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)

40,392,545

Total Liabilities

352,995,068

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Orlando Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Orlando Credit Union

How many branches does Orlando Credit Union operate?

Orlando 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 Orlando Credit Union?

Yes, to access services at Orlando 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, Orlando 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, Orlando Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Orlando Credit Union offer online and mobile banking?

Most modern institutions like Orlando 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.orlandocreditunion.org.

Current Orlando Credit Union Rates

12-Month CD3.67%
18-Month CD3.05%
24-Month CD2.79%
60-Month CD3.05%
Savings0.02%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Orlando Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Orlando Credit Union Texas Ratio

Orlando Credit Union Health Trend

Orlando Credit Union CD Rates

Orlando Credit Union Savings Rates

Orlando Credit Union Money Market Rates

Orlando Credit Union Checking Rates

Orlando Credit Union Mortgage Rates

Orlando Credit Union Home Equity & HELOC

Orlando Credit Union Auto Loan Rates

Orlando Credit Union RV, Boat and Powersport Loan Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Orlando Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Orlando Credit Union

How many branches does Orlando Credit Union operate?

Is a member application needed to join Orlando Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Orlando Credit Union offer online and mobile banking?

Current Orlando Credit Union Rates

Compare to Other Credit Unions