PO BOX 593806
Orlando, FL 32859

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.00% 2.20% →
2-Year CD 1.16% 2.20% →
5-Year CD 1.76% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Mccoy is an NCUA insured institution located in Orlando, FL. It was founded in 1954 and has approximately $600.14 millions in assets.

Who can join?

Membership to McCoy Federal Credit Union is open to anyone, who lives, works, worships, volunteers or attends school in Orange, Osceola, Seminole or Lake Counties; members of the immediate family or household; and organizations of such persons. Businesses and its employees located in Orange, Osceola, Seminole or Lake Counties are also eligible for membership.

Immediate Family is defined as: spouse, child, sibling, parent, grandparent, or grandchild; including stepparents, stepchildren, stepsiblings, and adoptive relationships.

Organizations of such persons are defined as: an organization or organizations composed exclusively of persons who are within the field of membership (Orange, Osceola, Seminole or Lake Counties) of McCoy Federal Credit Union.

NCUA Insured Yes
Charter Number # # 9915
Date Established 1954
Assets $600.14 million
Loans $342.05 million
Deposits $532.60 million
Capital $61.56 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Orange, Osceola, Seminole or Lake Counties in Florida. Members of the immediate family or household; and organizations of those eligible and businesses and its employees located in Orange, Osceola, Seminole or Lake Counties are also eligible for membership.

Deposit Rates - February 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1,000 - Learn MoreShow Less
0.70% $1,000 $4,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.60% $5,000 $24,999 Learn MoreShow Less
6 Mo CD
0.90% $100,000 - Learn MoreShow Less
0.80% $5,000 $24,999 Learn MoreShow Less
12 Mo CD
1.00% $100,000 - Learn MoreShow Less
0.95% $5,000 $24,999 Learn MoreShow Less
24 Mo CD
1.16% $100,000 - Learn MoreShow Less
0.95% $5,000 $24,999 Learn MoreShow Less
30 Mo CD
1.16% $100,000 - Learn MoreShow Less
1.21% $5,000 $24,999 Learn MoreShow Less
36 Mo CD
1.41% $100,000 - Learn MoreShow Less
1.56% $5,000 $24,999 Learn MoreShow Less
60 Mo CD
1.76% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $1 - Learn MoreShow Less

Loan Rates - February 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MCCOY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.158% 3.125% 0.38 $1,030 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to MCCOY
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Mccoy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Mccoy Locations

Financial Details

Mccoy Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mccoy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mccoy U.S. Average
5.39% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Mccoy had $3,554,428 in non-current loans and $5,800 in owned assets. To cover these potential losses it had $61,562,238 in net worth and $4,461,647 in loans loss reserves. That gives it a Texas Ratio of 5.39%.

Net Worth
Mccoy U.S. Average
10.25% 13.65%

Mccoy FCU has a net worth of 10.25% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Mccoy

Branches and Savings

What is Mccoy?

A federal credit union, registered with the NCUA under certificate #9915.
Learn more about credit unions here.

Is Mccoy FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Mccoy?

Please see Field of Membership information above for information on who is eligible to join.

What are Mccoy's share account and share certificate rates?

Mccoy's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Mccoy?

Mccoy has total capital of $61.56 million. Full information on Mccoy's financial position is located above.

Who owns Mccoy?

Credit Unions are owned by their members.

Where are Mccoy branches located?

See branch locations nearby.

Are Mccoy ATMs Open 24/7?

Do Mccoy ATMs accept cash deposits?

Can Mccoy customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Mccoy have a mobile app?

Does Mccoy have mobile deposit?

Does Mccoy have quick pay?

How can Mccoy transfer money to other banks or credit unions?

Does Mccoy report to credit bureaus?

Does Mccoy use Chexsystems?

Does Mccoy use Equifax?

What is Mccoy's toll free phone number?

What is Mccoy's ACH Routing Number?

What is Mccoy's SWIFT code?

Where can I find Mccoy's wire transfer form?

What is the Mccoy address for deposits?

What Products Does Mccoy Offer

Does Mccoy offer mortgages?

Compare mortgage rates here.

Does Mccoy offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mccoy offer auto and RV loans?

Compare auto loan rates here.

Does Mccoy offer student loans or personal loans?

Compare personal loan rates here.

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