Mccoy Federal Credit Union

Headquarters

Po Box 593806
Orlando, FL 32859
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 5.50% →
1-Year CD 1.92% 4.80% →
2-Year CD 2.43% 4.25% →
5-Year CD 3.20% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Mccoy is an NCUA insured institution located in Orlando, FL. It was founded in 1954 and has approximately $1002.63 millions in assets.

Who can join?

Membership to McCoy Federal Credit Union is open to anyone, who lives, works, worships, volunteers or attends school in Orange, Osceola, Seminole or Lake Counties; members of the immediate family or household; and organizations of such persons. Businesses and its employees located in Orange, Osceola, Seminole or Lake Counties are also eligible for membership.

Immediate Family is defined as: spouse, child, sibling, parent, grandparent, or grandchild; including stepparents, stepchildren, stepsiblings, and adoptive relationships.

Organizations of such persons are defined as: an organization or organizations composed exclusively of persons who are within the field of membership (Orange, Osceola, Seminole or Lake Counties) of McCoy Federal Credit Union.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9915
Date Established 1954
Assets $1,002.63 million
Loans $670.67 million
Deposits $879.54 million
Capital $96.25 million
 

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.

Deposit Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.05% $50 - Learn More
Health Savings
0.15% $1,000 - Learn More
Money Market
0.45% $1,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Months
1.51% $1,000 $4,999 Learn More
6 Mo CD
1.61% $5,000 $24,999 Learn More
6 Months
1.71% $25,000 $99,999 Learn More
6 Mo CD
1.82% $100,000 - Learn More
10 Months Promotional
4.13% $1,000 - Learn More
12 Mo CD
1.61% $1,000 $4,999 Learn More
12 Mo CD
1.71% $5,000 $24,999 Learn More
12 Months
1.82% $25,000 $99,999 Learn More
12 Months
1.92% $100,000 - Learn More
13 Months Promotional
2.17% $1,000 - Learn More
15 Months Promotional
2.12% $1,000 - Learn More
18 Months Promotional
4.23% $1,000 - Learn More
23 Months Promotional
4.13% $1,000 - Learn More
24 Mo CD
2.12% $1,000 $4,999 Learn More
24 Mo CD
2.22% $5,000 $24,999 Learn More
24 Months
2.32% $25,000 $99,999 Learn More
24 Months
2.43% $100,000 - Learn More
36 Mo CD
2.38% $1,000 $4,999 Learn More
36 Mo CD
2.48% $5,000 $24,999 Learn More
36 Mo CD
2.58% $50,000 $99,999 Learn More
36 Mo CD
2.68% $100,000 - Learn More
60 Mo CD
2.89% $1,000 $4,999 Learn More
60 Mo CD
2.99% $5,000 $24,999 Learn More
60 Months
3.09% $50,000 $99,999 Learn More
60 Months
3.20% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
VIRA
0.15% $0 - Learn MoreShow Less

Loan Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Mccoy

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.391% 6.250% 1.00 $4,800 $1,971 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.956% 6.875% 0.63 $2,642 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to Mccoy
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Mccoy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

MCCOY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Mccoy Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mccoy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mccoy U.S. Average
5.50% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Mccoy had $5,729,093 in non-current loans and $5,800 in owned assets. To cover these potential losses it had $96,248,248 in net worth and $8,073,081 in loans loss reserves. That gives it a Texas Ratio of 5.50%.

Net Worth
Mccoy U.S. Average
9.6% 13.93%

Mccoy FCU has a net worth of 9.6% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



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