Refinance to Receive
a Bonus Up to $600

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*APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

**APR = Annual Percentage Rate. Individual rates are determined by credit score, credit history, promotional discounts and loan term. Additional 0.50% discount applicable to Local Heroes Auto Financing Program. Subject to credit union membership eligibility, credit approval and verification of information provided on the application. Vehicle must be titled and registered in the state of Florida.

Local Heroes Auto Financing Program Eligibility Criteria: Eligible members must qualify for the loan request based on the credit union’s underwriting guidelines. This program is not eligible for refinancing existing auto loans. This program may be discontinued at any time. Proof of eligibility required (e.g., ID, pay stub, or certification).

• Military: Active duty, reservists, veterans, and retired members of the Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard and National Guard.
• Law Enforcement: Uniformed officers, detectives, state police, highway patrol, sheriffs, air marshals, border patrol agents, crime scene investigators, corrections officers and federal law enforcement officers.
• First Responders: Includes public, private and volunteer firefighters, EMTs, and paramedics.
• Medical Professionals: Doctors, nurses (licensed practical, registered), medical technicians, hospital staff, physical therapists, dentists and dental assistants.
• Educators: Teachers, professors, and school administrators working in pre-kindergarten through university.
• Government Services: City, County, State, and Federal employees.

***Rates are effective as of 1/6/2025. Rates are fixed for the term of the Certificate. Certificates will automatically be renewed at the rate in effect upon maturity. We will impose a penalty if you withdraw any of the principal balance in your account before the maturity date. The amount of the early withdrawal penalty is based on the term of the account. The amount of these penalties are as follows: Terms of 6 months or less lose 90 days’ worth of dividends; and terms greater than 6 months lose 180 days’ worth of dividends. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the amount withdrawn. If the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal. The Annual Percentage Yield disclosed is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings. Fees and penalties can reduce earnings on the account. Rates subject to change without notice.

****APR = Annual Percentage Rate based on the following assumptions. Loan amount of $304,000 and 1 point. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type 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 and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

^APR (Annual Percentage Rate) is based on creditworthiness and Loan-to-Value (LTV) ratio. Home Equity Lines of Credit (HELOC) are variable and based on the Wall Street Journal Prime Rate. Fixed rate option available. Rates 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 or other factors. The interest rate shown here are available to borrowers with an excellent credit history.

† Financing and rates are based on creditworthiness. The amount of cash back is based on loan amount refinanced. Cash back of $600.00 for loan amount of $50,000 or more; $500.00 for loan amount of $40,000.00 or more; and $400 for loan amount of $30,000 and up; $300 for loan amount $20,000 and up. The cash back will be deposited into the members’ account 90 days after the loan origination date. Existing Orlando Credit Union vehicle loans or current loans financed through indirect lending partnerships are NOT ELIGIBLE for this offer. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. If you participate in this offer, you may receive Form 1099 MISC at year-end for tax purposes. Certain terms and restrictions apply. Applicants must qualify for membership. As a condition of membership, you must maintain at least $5 in your Ownership Share Account. Offer subject to change at any time.

†† As a condition of membership, you must maintain an Ownership Share Account with $5. Every member must also have a Share Savings Account to be eligible for any other products or services.