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McCoy Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mccoyfcu.org
407-855-5452
41 W Michigan St
Orlando, FL 32806

McCoy Federal Credit Union is headquartered in Orlando and is the 27th largest credit union in the state of Florida. It is also the 463rd largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 205 employees and 80,442 members at 15 locations. McCoy Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in McCoy Federal Credit Union is open to those who live, work, worship, volunteer, or attend school in the Florida counties of Lake, Orange, Osceola, or Seminole. Immediate family or household members of eligible individuals also qualify for membership.
See current membership details

Reviews (2)

Easy Peasy

Posted by: |

Just opened their 5.38% APY CD plus checking and savings. Super easy and quick, did it with our 2 year old grandson in tow. Less time spent opening these accounts then getting a check for the money from the cd that matured at Navy Federal. Go McCoy!!

1

Denise Estes

Posted by: |

McCoy Federal Credit Union is the worst - their operating system is archaic. Plus their Maitland branch appears to be incompetent in solving the simplest issues. I have tried the past 8 days to send an urgent payment through Zelle (online banking), and it does not work. I have used it previously successfully sending money to the same person. The Branch manager, Joel, has been useless in trying to resolve this issue - 8 days, going on 9. And, now they want to charge me $20 for a wire transfer.

1


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9915
Year Chartered1954
Employees205
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD7.04%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$981.3MM$1B
LoansQ1 2025vs Q1 2024$676.9MM$662.2MM
DepositsQ1 2025vs Q1 2024$852.8MM$878.3MM
Equity CapitalQ1 2025vs Q1 2024$71.2MM$61MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.7MM$8.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.8MM$3.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not McCoy Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

McCoy Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1k-Health Savings Account
0.05%$50-Savings Account

McCoy Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$1k-Money Market Share Account (MMSA)

McCoy Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1k-Total Business Dividend Checking

McCoy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.23%$1k-12 Month CD
3.81%$1k-6 Month CD
3.81%$1k-6-month Smarter Savings CD Special
3.20%*$100k*-60 Month CD
OTHER TIERS: 2.89% → $1k - $5k | 2.99% → $5k - $25k | 3.09% → $25k - $100k
2.79%$1k-10 Month CD Special
2.79%$1k-13 Month CD Special
2.68%*$100k*-36 Month CD
OTHER TIERS: 2.38% → $1k - $5k | 2.48% → $5k - $25k | 2.58% → $25k - $100k
2.43%*$100k*-24 Month CD
OTHER TIERS: 2.12% → $1k - $5k | 2.22% → $5k - $25k | 2.32% → $25k - $100k
2.17%$1k-18 Month CD Special
2.17%$1k-15 Month CD Special
2.12%$1k-23 Month CD Special

McCoy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-IRA Account
Locations

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