Credit union · NCUA insured
McCoy Federal Credit Union CD Rates
McCoy Federal Credit Union’s best CD rate is 4.28% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How McCoy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where McCoy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
McCoy Federal Credit Union
4.28%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $875
Share Certificate
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
McCoy Federal Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo1.61%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo4.28%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.28%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where McCoy Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.28%APY · 10 terms
$1,000 minimum deposit required to open. Early withdrawal penalty applies. Rates subject to change without notice.
| Term | APY · $1,000 – $4,999 | APY · $5,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 1.51% | 1.61% | 1.71% | 1.82% | 1.61%1.51% $1k–$5k1.71% $25k–$100k1.82% from $100k | $80 |
| 10 months | 2.79% | 2.79% | 2.79% | 2.79% | 2.79%2.79% $1k–$5k2.79% $25k–$100k2.79% from $100k | $232 |
| 12 months | 3.76% | 3.76% | 3.76% | 3.76% | 3.76%3.76% $1k–$5k3.76% $25k–$100k3.76% from $100k | $376 |
| 13 months | 2.79% | 2.79% | 2.79% | 2.79% | 2.79%2.79% $1k–$5k2.79% $25k–$100k2.79% from $100k | $302 |
| 15 months | 2.17% | 2.17% | 2.17% | 2.17% | 2.17%2.17% $1k–$5k2.17% $25k–$100k2.17% from $100k | $272 |
| 18 months | 4.23% | 4.23% | 4.23% | 4.23% | 4.23%4.23% $1k–$5k4.23% $25k–$100k4.23% from $100k | $641 |
| 23 months | 2.12% | 2.12% | 2.12% | 2.12% | 2.12%2.12% $1k–$5k2.12% $25k–$100k2.12% from $100k | $410 |
| 24 months | 4.28% | 4.28% | 4.28% | 4.28% | 4.28%4.28% $1k–$5k4.28% $25k–$100k4.28% from $100k | $875 |
| 36 months | 4.07% | 4.07% | 4.07% | 4.07% | 4.07%4.07% $1k–$5k4.07% $25k–$100k4.07% from $100k | $1,273 |
| 60 months | 4.07% | 4.07% | 4.07% | 4.07% | 4.07%4.07% $1k–$5k4.07% $25k–$100k4.07% from $100k | $2,210 |
Sources (3)
- es.mccoyfcu.org/rates/savings.html
- mccoyfcu.org/checking-and-savi…/share-certificates.html
- mccoyfcu.org/current-rates
All captured Sep 24, 2026
Who can join McCoy Federal Credit Union
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