Learn more about auto financing

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*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.

Learn more about mortgage lending

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* 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.

Learn more about Orlando Credit Union credit cards

* 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.

Home Equity Loans

5, 10 or 15 Year Terms Available

APR as low as*

7.50%

Contact us for information on our rates* or learn more about home equity loans.

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*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.

Learn more about home equity line of credit

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*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.

**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.

Learn more about personal loans

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*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 5 years.

Learn more about vehicle loans

Calculate your loan payment

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

Learn more about vehicle loans

Calculate your loan payment

Apply Online

*APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Minimum loan amount of $15,000. Maximum loan amount of $150,000. Recreational vehicles must be titled and registered in the state of Florida.

Learn more about vehicle loans

Calculate your loan payment

Apply Online

*APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Minimum loan amount of $15,000. Maximum loan amount of $150,000.

Learn more about vehicle loans

Calculate your loan payment

Apply Online

*APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Minimum loan amount is $5,000. Maximum loan amount is $75,000.

Learn more about checking accounts

Learn more about savings accounts

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.

Learn more about money market accounts

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.

Learn more about certificates

See how much your certificate will be worth at maturity

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.

Learn more about individual retirement accounts

See how long it will take to reach your savings goal

* IRA disclosure: APY = Annual Percentage Yield current as of March 18, 2019. Rate subject to change at any time without notice. Fees and penalties can reduce earnings on the account.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 expenses 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 1/6/2025. 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.

Learn more about Business Checking accounts

Rates are effective as of 6/17/2024. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

Learn more about Business Money Market accounts

Rates are effective as of 6/17/2024. Rates are variable and may change after account opening at the discretion of Orlando Credit Union. Fees may reduce earnings.

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.