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 McCoy Federal Credit Union Rates & Review October 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 12, 2026
McCoy Federal Credit Union's top rates as of October 12, 2026 are 4.28% APY on its 24 Month CD, 3.30% APY on money market accounts, 5.25% on its First Mortgage - 10 year - fixed, personal loans from 11.50% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other McCoy Federal Credit Union CD rates include 18 Month CD at 4.23%, 36 Month CD at 4.07%, and 60 Month CD at 4.07%. Other McCoy Federal Credit Union mortgage rates include First Mortgage - 15 year - fixed at 5.50%, First Mortgage - 20 year - fixed at 6.00%, and First Mortgage - 30 year - fixed at 6.00%. 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 10/12/2026. 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 Money Market 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
There are no reviews for McCoy Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for McCoy Federal Credit Union
Frequently Asked Questions About McCoy Federal Credit UnionHow 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. Current McCoy Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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