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Orlando Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 30, 2026
Orlando Credit Union's 12 Month Term CD rates are at 3.80%, 6 Month Term CD rates are at 3.46%, 18 Month Term CD rates are at 3.05%, 60 Month Term CD rates are at 3.05%, 24 Month Term CD rates are at 2.79%. Orlando Credit Union's savings rates are at 0.02%. Orlando Credit Union's money market rates are at 0.10%. Orlando Credit Union's checking rates are as high as 0.03%. Orlando Credit Union's Personal Loan Rates are as low as 10.49%. Orlando Credit Union's Credit Card Rates are at 12.99%. Orlando Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.
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.
Orlando Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Orlando Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.22%
ExcellentLower than avg
Orlando Credit Union Texas Ratio
Orlando Credit Union's Texas Ratio is 4.22%, which is considered excellent and is lower than the national average of 6.13%.
Orlando Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.69% to 4.22% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
12 Month IRA Term Share Certificate
3.80%
3.88%
12 months
Min Deposit$500
DetailsMinimum and maximum deposit of $500
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.88% APY · checked 4 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
DetailsMinimum and maximum deposit amount of $500
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
12-Month Term Starter Rate
-
3.80%
12 months
Min Deposit$500
Min Balance$500
DetailsStarter Rate $500 min & max deposit; Term Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.71% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
12-Month Jumbo Share Certificate
-
3.71%
12 months
Min Deposit$100,000
Min Balance$100,000
DetailsJumbo Term Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 3.71% APY · checked 2 times
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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.67% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.67% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
6-Month Jumbo Share Certificate
-
3.51%
6 months
Min Deposit$100,000
Min Balance$100,000
DetailsJumbo Term Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 3.51% APY · checked 2 times
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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.46% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
18-Month Jumbo Share Certificate
-
3.09%
18 months
Min Deposit$100,000
Min Balance$100,000
DetailsJumbo Term Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 3.09% APY · checked 2 times
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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.05% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 3.05% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 2.84% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 2.79% APY · checked 4 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
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Orlando Credit Union Savings Rates
Product
Rate
APY
View More
CU Kidz Savers, CUTEAM, PrimePlus & Club accounts
0.02%
0.02%
Min Balance$200
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 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 Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Orlando Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.10%
0.10%
Min Balance$50,000
DetailsTier 4; Balance: $50,000 - $99,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market
0.10%
0.10%
Min Balance$100,000
DetailsTier 5; Balance: $100,000 - $999,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market
0.10%
0.10%
Min Balance$1,000,000
DetailsTier 6; Balance: $1,000,000 and up
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market
0.05%
0.05%
Min Balance$10,000
DetailsTier 2; Balance: $10,000 - $24,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market
0.05%
0.05%
Min Balance$25,000
DetailsTier 3; Balance: $25,000 - $49,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market
0.00%
0.00%
Min Balance$1,000
DetailsTier 1; Balance: $1,000 - $9,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 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 Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Orlando Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans
-
-
6.25%
DetailsAs Low As; 5, 10 or 15 Year Terms Available; Contact us for information on our rates; Rates effective as of 12/1/2025; LTV restrictions apply; based on Wall Street Journal Prime Rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 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
DetailsAPR as low as; Loan to Value: Less than or equal to 70% LTV; APR is variable based on the Wall Street Journal Prime Rate up to a maximum of 18.00%
Last Updated10/30/2026
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
View More
New Auto Loan
-
-
4.00%
up to 36 months
DetailsAs Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto Loan
-
-
4.25%
up to 36 months
DetailsAs Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto Loan
-
-
4.40%
up to 48 months
DetailsAs Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto Loan
-
-
4.55%
up to 60 months
DetailsAs Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.55% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto Loan
-
-
4.70%
up to 48 months
DetailsAs Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto Loan
-
-
4.75%
up to 72 months
DetailsAs Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto Loan
-
-
4.85%
up to 60 months
DetailsAs Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 4.85% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto Loan
-
-
5.10%
up to 72 months
DetailsAs Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 5.10% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto Loan
-
-
5.45%
up to 84 months
DetailsAs Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 5.45% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto Loan
-
-
5.80%
up to 84 months
DetailsAs Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles; Not available for vehicles 2020 or older
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 5.80% APR · checked 5 times
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
View More
Motorcycle Loan
-
6.24%
up to 36 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Motorcycle Loan
-
6.49%
up to 48 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Motorcycle Loan
-
6.74%
up to 60 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Motorcycle Loan
-
7.24%
up to 36 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Motorcycle Loan
-
7.49%
up to 48 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
7.49%
up to 60 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2022 and newer Loan
-
7.59%
up to 60 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Motorcycle Loan
-
7.74%
up to 60 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount is $5,000. Maximum loan amount is $75,000.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
7.74%
up to 84 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2022 and newer Loan
-
8.09%
up to 84 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.09% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
8.24%
up to 120 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
8.49%
up to 60 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2021 and older Loan
-
8.59%
up to 60 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.59% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2022 and newer Loan
-
8.59%
up to 120 months
DetailsAs Low As; Model Year 2022 and newer; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.59% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
8.74%
up to 84 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2021 and older Loan
-
9.09%
up to 84 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.09% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
RVs, Travel Trailer Loan
-
9.24%
up to 120 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; Minimum loan amount of $15,000; Maximum loan amount of $150,000; Recreational vehicles must be titled and registered in the state of FL
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 9.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Boats - Model Year 2021 and older Loan
-
9.59%
up to 120 months
DetailsAs Low As; Model Year 2021 and older; up to 90% Financing; APR; Rates effective as of 2/2/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.59% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Orlando Credit Union Credit Card Rates
Product
Rate
APR
View More
Secured Visa SMART Credit Card
-
12.99%
DetailsAs Low As; Learn More and Apply Online
Last Updated10/30/2026
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%
DetailsAs Low As; Intro: 1.99% to 6.99% first 6 months on purchases and balance transfers; Learn More and Apply Online
Last Updated10/30/2026
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%
DetailsAs Low As; Intro: 1.99% to 6.99% first 6 months on purchases and balance transfers; Learn More and Apply Online
Last Updated10/30/2026
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
View More
Personal Loan
10.49%
up to 36 months
DetailsAs Low As; Unsecured
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Personal Loan
11.49%
up to 60 months
DetailsAs Low As; Unsecured
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Personal Line of Credit
12.49%
Revolving
DetailsAs Low As; Unsecured
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 10 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
12-Month Term Share Certificate
-
-
3.67%
12 months
Min Deposit$1,000
DetailsTerm Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.67% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
6-Month Term Share Certificate
-
-
3.46%
6 months
Min Deposit$1,000
DetailsTerm Share Certificates featured rate
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Individual Retirement Accounts (IRAs)
0.10%
-
0.10%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Term Share Certificate - 12-Month Term
-
-
3.80%
12 months
Min Deposit$500
DetailsStarter Rate; $500 min & max deposit; rates effective as of 8/14/2026; rates fixed for the term
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 3.67% → 3.80% ▲ 0.13 pts · high 3.80% / low 3.67%
Oct 30, 20263.80%▲ from 3.67%
Oct 19, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
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.
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
1
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
2026 MBR Health & Safety Badge
Orlando Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Orlando Credit Union
Frequently Asked Questions About Orlando Credit Union
Does Orlando Credit Union offer CDs?
Yes. Orlando Credit Union current CD rates include its 12 Month Term CD at 3.80% APY, its 6 Month Term CD at 3.46% APY and its 18 Month Term CD at 3.05% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Orlando Credit Union NCUA insured?
Yes. Orlando 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 Orlando Credit Union?
The highest Orlando Credit Union CD rate is its 12 Month IRA Term CD at 3.88% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Orlando Credit Union offer?
Orlando Credit Union CD rates are 3.46% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.05% APY for an 18 month CD, 2.79% APY for a 2 year CD and 3.05% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Orlando Credit Union for its full lineup.
What is the highest savings rate at Orlando Credit Union?
The highest Orlando Credit Union savings rate is its Savings Account at 0.02% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Orlando Credit Union?
The highest Orlando Credit Union money market rate is its Money Market at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Orlando Credit Union?
The highest Orlando Credit Union checking rate is its Premium Rewards Checking at 0.03% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Orlando Credit Union?
The lowest Orlando Credit Union auto loan rate is its New Auto Loan at 4.00% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Orlando Credit Union?
The lowest Orlando Credit Union personal loan rate is its Personal Loan at 10.49% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Orlando Credit Union?
The lowest Orlando Credit Union credit card APR is its Secured Visa SMART Credit Card at 12.99% APR, verified by MonitorBankRates as of October 30, 2026.
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.
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 Orlando Credit Union rates compare?
Orlando Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. Orlando Credit Union's top rates are its 12 Month IRA Term CD at 3.88% APY, its Savings Account at 0.02% APY, its Money Market at 0.10% APY, its Premium Rewards Checking at 0.03% APY, its Personal Loan at 10.49% APR and its Secured Visa SMART Credit Card at 12.99% APR, verified by MonitorBankRates on October 30, 2026.
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.
Brian McKay
