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Orlando Credit Union Rates & Review August 2026

Orlando Credit Union's 12 month IRA Term CDs rates are at 3.88%, 12-Month Term Starter rates are at 3.80%, 12 month Term CD rates are at 3.80%, 12 month Jumbo IRA Term CDs rates are at 3.71%, 12 month Jumbo Term CD rates are at 3.71%. Orlando Credit Union's savings rates are at 0.02%. Orlando Credit Union's money market rates are at 0.00%. Orlando Credit Union's Mortgage Lending - 15 Year Fixed rates are at 6.00%, Mortgage Lending - 30 Year Fixed rates are at 6.62%. Orlando Credit Union's Personal Loan Rates are at 9.24%. 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 7.65%. Rates last updated and verified on 08/28/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.65%
Excellent Higher than avg
Orlando Credit Union
SODO
945 S Orange Ave
Orlando, FL 32806 1212
https://www.orlandocreditunion.org
Member NCUA

Orlando Credit Union CD Rates

Product Rate APY Term View More
12 month IRA Term Share Certificates 3.80% 3.88% 12 months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12-Month Term Starter - 3.80% 12 Months
Min Deposit $500
Details min & max deposit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12 month Term Share Certificate 3.72% 3.80% 12 months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12 month Jumbo IRA Term Share Certificates 3.65% 3.71% 12 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12 month Jumbo Term Share Certificate 3.65% 3.71% 12 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12-Month Term - 3.67% 12-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12 month IRA Term Share Certificates 3.60% 3.67% 12 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
12 month Term Share Certificate 3.60% 3.67% 12 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
6 month Jumbo IRA Term Share Certificates 3.45% 3.51% 6 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
6 month Jumbo Term Share Certificate 3.45% 3.51% 6 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
6-Month Term - 3.46% 6-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
6 month IRA Term Share Certificates 3.40% 3.46% 6 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
6 month Term Share Certificate 3.40% 3.46% 6 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
18 month Jumbo IRA Term Share Certificates 3.05% 3.09% 18 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
18 month Jumbo Term Share Certificate 3.05% 3.09% 18 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
18 month IRA Term Share Certificates 3.00% 3.05% 18 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
18 month Term Share Certificate 3.00% 3.05% 18 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
24 month Jumbo IRA Term Share Certificates 2.80% 2.84% 24 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
24 month Jumbo Term Share Certificate 2.80% 2.84% 24 months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
24 month IRA Term Share Certificates 2.75% 2.79% 24 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
24 month Term Share Certificate 2.75% 2.79% 24 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

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 Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Share Savings Account 0.02% 0.02%
Min Balance $200
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Money Market 0.05% 0.05%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Money Market Accounts - 0.05%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Money Market 0.00% 0.00%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Money Market Accounts - 0.00%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Checking Rates

Product Rate APY View More
Premium Rewards Checking 0.03% 0.03%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage Lending - 15 Year Fixed 6.00% 0 6.20%
Details As Low As
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Mortgage Lending - 30 Year Fixed 6.63% 0 6.75%
Details As Low As
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 6.25% 15 Year Terms Available
Details Rates are effective as of 12/1/2025. 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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Home Equity Line of Credit - - 6.75% 25 years
Details Less than or equal to 70% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - Model Year 2025 and newer - up to 36 months - - 4.00% up to 36 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022 - up to 36 months - - 4.25% up to 36 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer - up to 48 months - - 4.40% up to 48 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer - up to 60 months - - 4.55% up to 60 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022 - up to 48 months - - 4.70% up to 48 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer - up to 72 months - - 4.75% up to 72 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022 - up to 60 months - - 4.85% up to 60 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022 - up to 72 months - - 5.10% up to 72 months
Details APR includes Local Heroes Program Discount
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer - up to 84 months - - 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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Auto Financing - - 6.25%
Details As Low As; Advertised rate includes 0.50% discount applicable to Local Heroes Auto Financing Program.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Credit Card Rates

Product Rate APR View More
Secured Visa SMART Credit Card - 12.74%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Visa SMART Credit Card - 12.74%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Visa Xtreme REWARDS Credit Card - 15.24%
Details Intro rate expires: 6 months; Regular APR: 1.99% to 6.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

Orlando Credit Union Personal Loan Rates

Product Rate APR View More
ATV, UTV, Personal Watercraft Loan - 9.24%
Details Model Year 2022 and newer. up to 90% Financing.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
ATV, UTV, Personal Watercraft Loan - 9.74%
Details Model Year 2022 and newer. up to 90% Financing.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
ATV, UTV, Personal Watercraft Loan - 10.24%
Details Model Year 2022 and newer. up to 90% Financing.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Personal Loan - 10.49%
Details Unsecured
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
ATV, UTV, Personal Watercraft Loan - 10.74%
Details Model Year 2021 and older. up to 90% Financing.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
ATV, UTV, Personal Watercraft Loan - 11.24%
Details Model Year 2021 and older. up to 90% Financing.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Personal Loan - 11.49%
Details Unsecured
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%
Personal Line of Credit - 12.49%
Details Unsecured
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.65%

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
Address 945 S Orange Ave, Orlando, FL 32806 1212
Phone 407-835-3500
Fax
President FJ Flynn
CEO Suzanne Weinstein
Full-Time Employees 69
Part-Time Employees 0
Branch Locations 6
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 (96/100)
Texas Ratio
7.65%
Return on Assets (ROA)
0.0981%
Return on Equity (ROE)
1.1006%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
356,480,557
Total Amount of Shares and Deposits
304,443,055
Total Shares and Deposits < 1 Year
296,128,937
Total Shares and Deposits 1 3 Years
6,208,710
Total Shares and Deposits > 3 Years
2,105,408
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,568,755
Total Uninsured Shares and Deposits > $250K (F+J)
33,568,755
Total Insured Shares and Deposits > $250K (item 17 less item K)
270,874,300
Total Interest Expense (Sum of items 6 8)
3,557,540
Share Certificates
1,775
Number of Accounts for Share Drafts
17,134
IRA KEOGH Accounts
893
Number of Accounts for Regular Shares
58,591
All other shares
111
Non Member Deposits
2
Money Market Shares
922
Net Income (unless the amount is already included in Undivided Earnings)
349,683
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)
39,644,629
Total Liabilities
331,764,947
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Healthy Badge 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.

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Customer Reviews

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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%
  • Savings0.02%
  • MMA0.00%
Retrieved from our database of financial products. Rates subject to change.