McCoy Federal Credit Union Rates and Review February 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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McCoy Federal Credit Union's Personal Loan Rates are at 11.50%.
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 by leaving a review below, or read customer reviews before you decide to use . McCoy Federal Credit Union Texas RatioMcCoy Federal Credit Union's Texas Ratio is at 2.64%, which is considered excellent. The Texas Ratio for McCoy Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that McCoy Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
McCoy Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, McCoy Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
McCoy Federal Credit Union
McCoy Federal Credit Union 41 W Michigan St
Orlando, FL 32806 
McCoy Federal Credit Union Mortgage Rates
McCoy Federal Credit Union Credit Card Rates
McCoy Federal Credit Union Personal Loan Rates
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 & OverviewCredit Union Name: McCoy Federal Credit Union
Website: https://www.mccoyfcu.org
Full Time Employees: 207Part Time Employees: 5 President: Samuel Davis Jr CEO: Alvin Cowans Branch Locations: 15 ATM Locations: 15 Corporate Office Address:
41 W Michigan St
Orlando, FL 32806 Phone Number: 407-855-5452 Fax Number: 407-472-2792 FinancialsTotal Assets:
1,000,909,377
Total Amount of Shares and Deposits:
863,947,616
Total Shares and Deposits < 1 Year:
855,539,950
Total Shares and Deposits 1 3 Years:
4,560,477
Total Shares and Deposits > 3 Years:
3,847,189
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
46,118,640
Total Uninsured Shares and Deposits > $250K (F+J):
46,118,640
Total Insured Shares and Deposits > $250K (item 17 less item K):
817,828,976
Total Interest Expense (Sum of items 6 8):
8,707,222
Share Certificates:
5,116
Number of Accounts for Share Drafts:
42,641
IRA KEOGH Accounts:
2,146
Number of Accounts for Regular Shares:
90,059
Money Market Shares:
1,515
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
87,047,907
Total Liabilities:
921,533,459
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsrMIU
December 17, 2025
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Frequently Asked Questions About McCoy Federal Credit UnionIs a member application needed to join McCoy Federal Credit Union?Yes, to access services at McCoy Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, McCoy Federal Credit Union provides a range of mortgage and home equity products. Is McCoy Federal Credit Union a safe place to deposit money?Yes, McCoy Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does McCoy Federal Credit Union offer online and mobile banking?Most modern institutions like McCoy Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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