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Overview / Commentary
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 486th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 234 employees and 64,166 members at 15 locations. McCoy Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Orange, Osceola, Seminole or Lake Counties in Florida. Members of the immediate family or household; and organizations of those eligible and businesses and its employees located in Orange, Osceola, Seminole or Lake Counties are also eligible for membership.
See current membership details

Reviews (1)

McCoy FCU is nice

Posted by: melrosein | Dec 30, 2016

Since moving to the Orlando area more than 35 year ago, my wife and I opened our checking accounts with the credit union affiliated with the hospital that she works at. Since that time, we have had numerous checking accounts and savings accounts. They have been an excellent financial institution for all of our financial needs. The online services completely meet our needs and expectations and the customer service both at the locations and on the phone has been very helpful and knowledgeable. We have had numerous large and complex transactions involving settling of a personal estate that required the assistance of a branch manager that was very helpful and knowledgeable. If I was was to share once improvement it would be the number of branches are a bit limited and I would like to have one closer to where we live, but this has not been a major problem. Overall we have been very satisfied with McCoy Federal Credit Union.


Health Grade Components

NCUA #9915
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.98%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$568.8MM$540.6MM
LoansQ4 2017vs Q4 2016$327.1MM$299.1MM
DepositsQ4 2017vs Q4 2016$510.6MM$485.8MM
Equity CapitalQ4 2017vs Q4 2016$48.8MM$48.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.2MM$3.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.3MM$2.8MM
Real Estate OwnedQ4 2017vs Q4 2016$117.00K$0
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* 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

0.35%--IRA Account
0.20%$1k-Health Savings Account
0.10%$50-Savings Account

McCoy Federal Credit Union Money Market Rates

0.20%$1k-Money Market Share Account (MMSA)

McCoy Federal Credit Union Checking Account Rates

0.20%$1k-Total Business Dividend Checking

McCoy Federal Credit Union CD Rates

1.06%*$100k*-60 Months CD
OTHER TIERS: 0.60% $1k - $5k | 0.75% $5k - $25k | 0.90% $25k - $100k
0.95%*$100k*-36 Months CD
OTHER TIERS: 0.50% $1k - $5k | 0.65% $5k - $25k | 0.80% $25k - $100k
0.80%*$100k*-30 Months CD
OTHER TIERS: 0.35% $1k - $5k | 0.50% $5k - $25k | 0.65% $25k - $100k
0.75%*$100k*-24 Months CD
OTHER TIERS: 0.30% $1k - $5k | 0.45% $5k - $25k | 0.60% $25k - $100k
0.70%*$100k*-12 Months CD
OTHER TIERS: 0.25% $1k - $5k | 0.40% $5k - $25k | 0.55% $25k - $100k
0.65%*$100k*-6 Months CD
OTHER TIERS: 0.20% $1k - $5k | 0.35% $5k - $25k | 0.50% $25k - $100k