Credit union · NCUA insured
Orlando Credit Union CD Rates
Orlando Credit Union’s best CD rate is 3.71% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Orlando Credit Union’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where Orlando Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Orlando Credit Union
3.67%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $367
Term 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
Orlando Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.46%
- 9–15 months9–15 mo3.67%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.67%
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 Orlando 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.
Term Share Certificate
Up to 3.67%APY · 5 terms
Membership required. Rates fixed for term. Unless otherwise disclosed, certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties apply: terms of 6 months or less lose 90 days' worth of dividends; terms greater than 6 months lose 180 days' worth of dividends.
| Term | APY · $500 – $500 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.46% | 3.46% | $172 |
| 12 months | — | 3.67% | 3.67% | $367 |
| 12 monthsMinimum and maximum deposit amount of $500. Starter Rate | 3.80% | — | —3.80% $500–$500 | — |
| 18 months | — | 3.05% | 3.05% | $461 |
| 24 months | — | 2.79% | 2.79% | $566 |
| 60 months | — | 3.05% | 3.05% | $1,621 |
Sources (2)
- orlandocreditunion.org/checkin…s/certificate-of-deposit
- orlandocreditunion.org/rates/checking-savings-rates
All captured Sep 24, 2026
Jumbo Term Share Certificate
Up to 3.71%APY · 5 terms
Membership required. Rates fixed for term. Unless otherwise disclosed, certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties apply: terms of 6 months or less lose 90 days' worth of dividends; terms greater than 6 months lose 180 days' worth of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.51% | — |
| 12 months | 3.71% | — |
| 18 months | 3.09% | — |
| 24 months | 2.84% | — |
| 60 months | 3.09% | — |
Sources (2)
- orlandocreditunion.org/checkin…s/certificate-of-deposit
- orlandocreditunion.org/rates/checking-savings-rates
All captured Sep 24, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 3.67%APY · 5 terms
Membership required. Rates fixed for term. Early withdrawal penalties and IRS tax penalties may apply for withdrawals prior to age 59 1/2. Certificates automatically renew at maturity.
| Term | APY · $500 – $500 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.46% | 3.46% | $172 |
| 12 months | — | 3.67% | 3.67% | $367 |
| 12 monthsMinimum and maximum deposit amount of $500 | 3.88% | — | —3.88% $500–$500 | — |
| 18 months | — | 3.05% | 3.05% | $461 |
| 24 months | — | 2.79% | 2.79% | $566 |
| 60 months | — | 3.05% | 3.05% | $1,621 |
Sources (2)
- orlandocreditunion.org/checkin…idual-retirement-account
- orlandocreditunion.org/rates/checking-savings-rates
All captured Sep 24, 2026
Jumbo IRA Term Share Certificate
Up to 3.71%APY · 5 terms
Membership required. Rates fixed for term. Early withdrawal penalties and IRS tax penalties may apply for withdrawals prior to age 59 1/2. Certificates automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.51% | — |
| 12 months | 3.71% | — |
| 18 months | 3.09% | — |
| 24 months | 2.84% | — |
| 60 months | 3.09% | — |
Sources (2)
- orlandocreditunion.org/checkin…idual-retirement-account
- orlandocreditunion.org/rates/checking-savings-rates
All captured Sep 24, 2026
Who can join Orlando Credit Union
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.
Membership information collected October 5, 2026.