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McCoy Federal Credit Union Auto Loans

McCoy FCU Auto LoansMcCoy Federal Credit Union is a full service financial institution with 13 locations throughout the Orlando area. Membership is open to:

  • Anyone who lives, works, worships, volunteers or attends school in Orange, Osceola, Seminole or Lake County
  • Their immediate family members
  • Businesses located in Orange, Osceola, Seminole or Lake County
  • Employees of those businesses

McCoy offers its members a full range of services including auto loans, mortgage loans, credit cards with rewards programs, debit cards, share certificates, health savings accounts, online banking, bill pay, mobile banking, e-statements, checking and savings. McCoy also provides a credit rebuilding program to help those who are just starting out and need to establish credit. All McCoy members are eligible for free financial counseling. Headquarters of McCoy Federal Credit Union is located at 35 W. Michigan St., Orlando, FL 32806.

Auto Loans from McCoy FCU

McCoy FCU offers low rates on auto loans for both new and used autos with terms of over 60 months for qualified members. Your Beacon score is a factor in determining your specific rate. As of summer 2014, the following rates are advertised:

Beacon Score 60 Month New Car Rate 60 Month Used Car Rate
760+ 2.5% 3.0%
730-760 2.75% 3.5%
670-730 3.0% 3.75%
620-670 5.5% 7.5%
<620 7.5% 10.5%

You can view more McCoy FCU auto loan rates here. These rates are subject to change. You can apply online, at one of McCoy’s 13 locations or by phone at 407-855-5452. McCoy’s website has an informative video that explains why it’s better to obtain financing from the credit union than from a car dealer.

History and Current Direction

McCoy FCU was founded in 1954. Originally named Pine Castle Air Force Base Credit Union, it was renamed McCoy Federal Credit Union when the base was renamed McCoy Air Force Base. After the base closed, McCoy became a community chartered credit union in 1981, a change that increased its field of membership. With almost 60,000 members, McCoy is one of the largest credit unions in Central Florida.

Contact Information

If you are interested in an auto loan or any other services offered by McCoy Federal Credit Union, you can visit their website ( You can join the credit union by opening an account online, visiting one of 13 McCoy locations, or calling the credit union at 407-855-5452. You can contact the credit union by mail at:

McCoy Federal Credit Union
P.O. Box 593806
Orlando, FL 32859-3806


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