Credit union · NCUA insured
McCoy Federal Credit Union Savings Rates
McCoy Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market Share Account. Rates checked October 15, 2026.
How McCoy Federal Credit Union’s savings 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
0.45%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $45
Money Market Share Account
Top rate
Climate First Bank
4.01%APY
- Minimum
- $50
- Earns on $10,000 a year
- $401
2nd-highest rate
BankUnited
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
McCoy Federal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Share Account
0.45%APY
Minimum $1,000 deposit required; balances of $1,000 or more earn dividends. Up to 6 withdrawals per month allowed via automated means or check. Monthly rate adjustments apply and current rates are subject to change. Effective date 2026-01-01.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upBalance threshold for tier: $1,000 or more. Monthly withdrawal allowance: 6 per month.$1,000 and up | 0.45% | $45 | Balance threshold for tier: $1,000 or more. Monthly withdrawal allowance: 6 per month. |
Savings Account
0.05%APY
Basic savings account required to retain membership in the credit union. Can act as overdraft protection for checking accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAnticipated rate for 1st Quarter 2026. Low $5 monthly service fee if monthly balance falls below $50. Minimum to open is $15 ($5 or more per product overview page). $5 fee per automatic transfer limited to 6 per month.$50 and up | 0.05% | $5 | Anticipated rate for 1st Quarter 2026. Low $5 monthly service fee if monthly balance falls below $50. Minimum to open is $15 ($5 or more per product overview page). $5 fee per automatic transfer limited to 6 per month. |
Sources (3)
- mccoyfcu.org/checking-and-savings/savings.html
- mccoyfcu.org/current-rates
- mccoyfcu.org/rates/savings.html
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.15%APY
Individually-owned tax-advantaged account for individuals with a high deductible health plan (HDHP).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upDividend rate as of 01-01-2026. Rate subject to change monthly. No minimum to open. Minimum to earn dividends is $1,000. Fees could reduce earnings.$1,000 and up | 0.15% | $15 | Dividend rate as of 01-01-2026. Rate subject to change monthly. No minimum to open. Minimum to earn dividends is $1,000. Fees could reduce earnings. |
Sources (3)
- mccoyfcu.org/checking-and-savi…th-savings-accounts.html
- mccoyfcu.org/current-rates
- mccoyfcu.org/rates/savings.html
All captured Sep 18, 2026
Individual Retirement Account (IRA)
0.15%APY
Must be 18 years of age or older with earned income. Traditional and Roth IRA options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate for 1st Quarter 2026. All rates subject to change after account is opened. No minimum balance to open account.Any balance | 0.15% | $15 | Dividend rate for 1st Quarter 2026. All rates subject to change after account is opened. No minimum balance to open account. |
Sources (3)
- mccoyfcu.org/checking-and-savi…retirement-accounts.html
- mccoyfcu.org/current-rates
- mccoyfcu.org/rates/savings.html
All captured Sep 18, 2026
Who can join McCoy Federal Credit Union
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