Credit union · NCUA insured
Orlando Credit Union Savings Rates
Orlando Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Orlando Credit Union’s savings 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
0.05%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $5
Money Market 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
Orlando Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.05%
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 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 Account
0.05%APY
Monthly withdrawals are limited to six (6) transfers or withdrawals by check, preauthorized automatic transfer, or telephone instruction per statement period. APY increases with higher balances. Variable rates subject to change.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 – $9,999Minimum daily balance to earn APY is $1,000. · $1,000 to open | 0.00% | $1,000 | — | Minimum daily balance to earn APY is $1,000. |
| $10,000 – $24,999Minimum daily balance to earn APY is $10,000. · $10,000 to open | 0.05% | $10,000 | $5 | Minimum daily balance to earn APY is $10,000. |
| $25,000 – $49,999Minimum daily balance to earn APY is $25,000. · $25,000 to open | 0.05% | $25,000 | — | Minimum daily balance to earn APY is $25,000. |
| $50,000 – $99,999$50,000 to open | 0.10% | $50,000 | — | |
| $100,000 – $999,999$100,000 to open | 0.10% | $100,000 | — | |
| $1,000,000 and up$1,000,000 to open | 0.10% | $1,000,000 | — |
Sources (2)
All captured Sep 18, 2026
CUTEAM
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividends is $200.$200 and up | 0.02% | $2 | Minimum balance to earn dividends is $200. |
Sources (1)
- orlandocreditunion.org/rates/checking-savings-rates · captured Oct 5, 2026
PrimePlus
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividends is $200.$200 and up | 0.02% | $2 | Minimum balance to earn dividends is $200. |
Sources (1)
- orlandocreditunion.org/rates/checking-savings-rates · captured Oct 5, 2026
Share Savings Account
0.02%APY
Opened with every Orlando Credit Union membership. Members must keep an aggregate daily balance of at least $200 in their account to avoid a $5.00 monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividends is $200. Monthly fee of $5.00 is avoided by maintaining an aggregate balance of at least $200.00 daily.$200 and up | 0.02% | $2 | Minimum balance to earn dividends is $200. Monthly fee of $5.00 is avoided by maintaining an aggregate balance of at least $200.00 daily. |
Sources (2)
- orlandocreditunion.org/checking-savings/savings-accounts
- orlandocreditunion.org/rates/checking-savings-rates
All captured Oct 5, 2026
Special-purpose accounts
Coverdell Education Savings Account
0.15%APY
Opened by a parent, grandparent, or guardian for the benefit of a child. Minimum deposit of $5. Tax-free distributions when used for qualified education expenses. Amounts remaining must be distributed when beneficiary reaches age 30, unless special needs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum deposit of $5. Annual contribution limits set by the IRS apply.Any balance | 0.15% | $15 | Minimum deposit of $5. Annual contribution limits set by the IRS apply. |
Sources (1)
- orlandocreditunion.org/checkin…ucation-savings-accounts · captured Oct 5, 2026
Individual Retirement Accounts (IRAs)
0.10%APY
Includes Traditional IRA and Roth IRA savings options. Open to individuals with earned income subject to IRS eligibility and contribution limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum deposit of $5 for Traditional and Roth IRA accounts. Premature withdrawal before age 59-1/2 may incur taxes and penalties.Any balance | 0.10% | $10 | Minimum deposit of $5 for Traditional and Roth IRA accounts. Premature withdrawal before age 59-1/2 may incur taxes and penalties. |
Sources (2)
- orlandocreditunion.org/checkin…idual-retirement-account
- orlandocreditunion.org/rates/checking-savings-rates
All captured Oct 5, 2026
CU Kidz Savers
0.02%APY
Eligible for kids 12 and younger.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum opening requirement is $5. Minimum balance to earn dividends is $200.$200 and up | 0.02% | $2 | Minimum opening requirement is $5. Minimum balance to earn dividends is $200. |
Sources (2)
- orlandocreditunion.org/checking-savings/savings-accounts
- orlandocreditunion.org/rates/checking-savings-rates
All captured Oct 5, 2026
Club Accounts
0.02%APY
Includes Christmas Club and Vacation Club savings accounts. No minimum opening balance requirement and no monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividends is $200.$200 and up | 0.02% | $2 | Minimum balance to earn dividends is $200. |
Sources (2)
- orlandocreditunion.org/checking-savings/savings-accounts
- orlandocreditunion.org/rates/checking-savings-rates
All captured Oct 5, 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.