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Orlando
  • Auto Loans
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2018 and newer
    up to 24 months4.99%$43.87up to 125% Financing
    up to 36 months5.24%$30.08up to 125% Financing
    up to 48 months5.49%$23.26up to 125% Financing
    up to 60 months5.54%$19.12up to 125% Financing
    up to 72 months5.74%$16.46up to 125% Financing
    up to 84 months6.24%$14.73up to 125% Financing
    Model Year 2017 and older
    up to 24 months5.99%$44.32up to 125% Financing
    up to 36 months6.24%$30.54up to 125% Financing
    up to 48 months6.49%$23.72up to 125% Financing
    up to 60 months6.54%$19.68up to 125% Financing
    up to 72 months6.74%$17.17up to 125% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Vehicle must be titled and registered in the state of Florida.

  • Mortgages
    TermRate as low asAPR*Points
    15 Year Fixed5.625%5.769%0.00
    20 Year Fixed5.875%5.991%0.00
    30 Year Fixed6.375%6.467%0.00
  • Credit Cards
    APR* as low asTerms and Conditions
    Visa Secured
    9.50%Learn more
    Visa SMART Credit Card
    8.75%Learn more
    Visa Xtreme REWARDS Credit Card
    12.75%Learn more
  • Home Equity
    TermAPR* as low asCost per $1,000 Borrowed†Loan to Value**
    5 years6.50%$19.57Below 70% LTV
    5 years6.75%$19.6970%-80% LTV
    10 years6.75%$11.49Below 70% LTV
    10 years7.00%$11.6270%-80% LTV
    15 years7.00%$9.00Below 70% LTV
    15 years7.24%$9.2870%-80% LTV

    *APR (Annual Percentage Rate)

    †Cost per thousand borrowed does not include applicable fees. Fees vary depending on loan amount, interest rate, title required, insurance and taxes. Fees may range from $500 - $1,800 based on a general estimate.

    **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.

  • Home Equity Line of Credit
    TermAPR* as low asCost per $1,000 Borrowed†Loan to Value**
    15 years7.00%$8.58Below 70% LTV
    15 years7.25%$8.7270%-80% LTV

    *APR (Annual Percentage Rate) is variable based on the Wall Street Journal Prime Rate up to a maximum of 18.00%.  Your APR will be based on several factors including credit history, property value, the final loan amount, loan to value ratio, fees, property type, lien status or other factors.
    †Cost per thousand borrowed does not include applicable fees. Fees vary depending on loan amount, loan to value ratio, interest rate, property type, title search and other factors.  Fees may range from $500 - $3,800 based on a general estimate.
    **LTV Restrictions apply.  Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application.  Rates and fees shown are available to borrowers with an excellent credit history.  Other terms and conditions may apply.  Terms and conditions subject to change at any time without prior notice.

  • Personal Loans
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Personal Loan
    up to 36 months10.49%$32.50Unsecured
    up to 60 months11.49%$21.99Unsecured
    Personal Line of Credit
    Revolving12.49%N/AUnsecured
    Share Secured Loan
    12 months3.02%$84.71Secured by Savings

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Top tier rates are available to highly qualified individuals.

    †Share Secured Loans may be made at the Annual Percentage Rate of 3% above the current declared dividend rate. Maximum repayment schedule is 12 months for every $1,000 financed. Term may not exceed 15 years.

  • ATV, UTV, Personal Watercraft
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2018 and newer
    up to 36 months8.49%$31.59up to 110% Financing
    up to 48 months8.99%$24.90up to 110% Financing
    up to 60 months9.49%$21.07up to 110% Financing
    up to 72 months9.99%$18.54up to 110% Financing
    up to 84 months10.49%$16.87up to 110% Financing
    Model Year 2017 and older
    Up to 36 months9.49%$32.05up to 110% Financing
    Up to 48 months9.99%$25.38up to 110% Financing
    Up to 60 months10.49%$21.51up to 110% Financing
    Up to 72 months10.99%$19.05up to 110% Financing
    Up to 84 months11.49%$17.40up to 110% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.

  • RVs, Travel Trailer
    TermAPR* as low asCost per $1,000 Borrowed†Other Details
    Model Year 2018 and Newer
    up to 60 months6.24%$18.99up to 110% Financing
    up to 84 months6.49%$14.49up to 110% Financing
    up to 120 months6.99%$11.23up to 110% Financing
    up to 144 months7.49%$10.15up to 110% Financing
    up to 180 months7.99%$9.13up to 110% Financing
    Model Year 2017 and older
    up to 60 months7.24%$19.45up to 110% Financing
    up to 84 months7.49%$14.97up to 110% Financing
    up to 120 months7.99%$11.74up to 110% Financing
    up to 144 months8.49%$10.69up to 110% Financing
    up to 180 months8.99%$9.70up to 110% Financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.

  • Boats
    TermAPR* as low as Cost per $1,000 borrowedOther Details
    Model Year 2018 and newer
    up to 60 months7.09%$19.27Up to 110% financing
    up to 84 months7.59%$14.78Up to 110% financing
    up to 120 months8.09%$11.54Up to 110% financing
    up to 144 months **8.59%$10.47Up to 110% financing
    up to 180 months **8.84%$9.33Up to 110% financing
    Model Year 2017 and older
    up to 60 months8.09%$19.73Up to 110% financing
    up to 84 months8.59%$15.27Up to 110% financing
    up to 120 months9.09%$12.06Up to 110% financing
    up to 144 months **9.59%$11.02Up to 110% financing
    up to 180 months **9.84%$9.91Up to 110% financing

    Calculate your loan payment

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.

    ** Minimum loan amount of $25,000.

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.

  • Motorcycles
    TermAPR* as low asCost per $1,000 borrowedOther Details
    Model Year 2021 and newer
    Up to 36 months5.49%$29.97Up to 110% Financing
    Up to 48 months5.74%$23.15Up to 110% Financing
    Up to 60 months5.99%$19.10Up to 110% Financing
    Up to 72 months6.24%$16.46Up to 110% Financing
    Up to 84 months^6.49%$14.61Up to 110% Financing
    Model Year 2020 and older
    Up to 36 months6.49%$30.43Up to 110% Financing
    Up to 48 months6.74%$23.60Up to 110% Financing
    Up to 60 months6.99%$19.57Up to 110% Financing
    Up to 72 months7.24%$16.93Up to 110% Financing
    Up to 84 months^7.49%$15.10Up to 110% Financing

    *APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history.Minimum loan amount is $5,000.

    Calculate your loan payment

    †Cost per thousand borrowed does not include title, taxes, insurance premiums, or any other applicable costs. Recreational vehicles must be titled and registered in the state of Florida.

    ^New models only with 10k miles or less. Minimum loan amount $25,000.

  • Savings
    Account TypeMinimum balance to earn dividendsDividend RateAPY (Annual Percentage Yield)
    Share Savings Account$2000.02%0.02%
    CU Kidz Savers, CUTEAM, PrimePlus & Club accounts$2000.02%0.02%
    Dividend Checking$10,0000.03%0.03%

    See how long it will take to reach your savings goal

    Rates are effective as of 6/1/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

     

  • Money Market
    TiersMinimum Deposit Dividend RateAPY (Annual Percentage Yield)
    Tier 1$1,000 - $9,9990.00%0.00%
    Tier 2$10,000 - $24,9990.05%0.05%
    Tier 3$25,000 - $49,9990.05%0.05%
    Tier 4$50,000 - $99,9990.10%0.10%
    Tier 5$100,000 - $999,9990.10%0.10%
    Tier 6$1,000,000 and up0.10%0.10%

    Rates are effective as of 6/1/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

  • Term Share Certificates
    Minimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
    $50012 months0.05%0.05%
    Term Share Certificates with a minimum deposit amount of $1,000
    $1,0006 months0.05%0.05%
    $1,00012 months0.10%0.10%
    $1,00018 months0.20%0.20%
    $1,00024 months0.25%0.25%
    $1,00060 months0.50%0.50%
    Jumbo Term Share Certificates with a minimum deposit amount of $50,000
    $50,0006 months0.05%0.05%
    $50,00012 months0.10%0.10%
    $50,00018 months0.20%0.20%
    $50,00024 months0.25%0.25%
    $50,00060 months0.50%0.50%

    See how much your certificate will be worth at maturity.

    Rates are effective as of 9/21/2020. 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.

  • Individual Retirement Account
    Mnimum Deposit AmountTermDividend RateAPY (Annual Percentage Yield)
    Individual Retirement Accounts (IRAs)*
    N/AN/A0.10%0.10%
    IRA Term Share Certificates
    $10006 months0.05%0.05%
    $100012 months0.10%0.10%
    $100018 months0.20%0.20%
    $100024 months0.25%0.25%
    $100060 months0.50%0.50%
    Jumbo IRA Term Share Certificates**
    $50,0006 months0.05%0.05%
    $50,00012 months0.10%0.10%
    $50,00018 months0.20%0.20%
    $50,00024 months0.25%0.25%
    $50,00060 months0.50%0.50%

    See how long it will take to reach your savings goal

    Rates are effective as of 9/21/2020. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

    *IRA disclosure: Early Withdrawal Penalty - In order to avoid tax penalties by the IRS, you must wait until you attain the age of 59-1/2 to withdraw funds or be able to demonstrate your withdrawal is being used for qualified higher education expenses or a first-time home purchase. Roth IRA holders must also satisfy a minimum five-year holding period. If a person takes funds out of an IRA before age 59-1/2 for purposes other than qualified higher education expenses or the first-time purchase of a home, this is a "premature" distribution and a 10% penalty may be assessed by the Internal Revenue Service (IRS). Premature distributions are also subject to income tax. There are some additional, special circumstances such as death, permanent disability, mental incompetence and certain medical expences that allow funds to be withdrawn without a 10% premature penalty. After age 59-1/2, an individual can withdraw funds whenever requested and in any amount without incurring tax penalties.

    IRA Certificate Disclosure** - Rates are effective as of 09/21/2020. Rates are fixed for the term of the IRA Certificate. IRA Certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties may apply. Fees may reduce earnings.