Credit union · NCUA insured
Orlando Credit Union
A $364.2M credit union headquartered in Orlando, FL, with 27,433 members and 7 branches in Florida. Best rates: CDs 3.71% and savings 0.05% APY.
Orlando Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#26 of 37 in Orlando, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Orlando Credit Union
Originally chartered in 1936 in Orlando, Florida, Orlando Credit Union is a member-owned not-for-profit financial cooperative.
Renamed Orlando Federal Credit Union in 1974, it converted to a state-chartered credit union and became Orlando Credit Union in 2019.
The credit union is a certified Community Development Financial Institution serving eight Florida counties including Orange, Brevard, and Hillsborough.
- Headquarters
- 945 S Orange Ave, Orlando, FL 32806-1212
- NCUA charter
- 68706
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone living in the United States can become a member by joining the Orlando Credit Union Charitable Foundation.
Where you live or work
- Membership is open to individuals who live, work, or worship in Brevard, Hillsborough, Lake, Orange, Osceola, Polk, Seminole, or Volusia County.
Family and household
- Membership is open to family members (spouse, children, siblings, parents, step-parents, grandchildren, and grandparents) of current Orlando Credit Union members.
Cost to join
- A $5 share deposit into an Ownership Share account is required to establish membership, and that money remains the member's.
Branches
7 branches in Florida
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Florida
7 branches
- SodoMain office945 S Orange Ave, Orlando, FL 32806Directions
- Apopka Office1662 W Orange Blossom Trl, Apopka, FL 32712Directions
- Clermont2335 E Highway 50, Clermont, FL 34711Directions
- City Hall Office400 S Orange Ave, Orlando, FL 32801Directions
- Millenia Office4500 S John Young Pkwy, Orlando, FL 32839Directions
- Semoran Office2150 S Semoran Blvd, Orlando, FL 32822Directions
- Sheriff's Office2500 W Colonial Dr, Orlando, FL 32804Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio9.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Orlando Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.