The daughter of a career Army officer from Oklahoma and a Puerto Rican schoolteacher, McCoy was born in Fort Knox, Kentucky, but grew up on or near military installations, including Stuttgart, Germany; Aberdeen, Maryland; Ft. Leavenworth, Kansas, and various locations in Virginia.

Her novella "The Branch of Hazel" is included in the WWII anthology Grand Central: Original Stories of Postwar Love and Reunion (Penguin, 2014).

[2][3] Marilla of Green Gables released from William Morrow/HarperCollins in 2018 and was a book club pick for USA Today, New York Post, Woman's World, BookBub, PopSugar, Library Journal, and Indie Next List, among other accolades.

Her most recent novel Mustique Island released from William Morrow/HarperCollins in 2022 and was a Best Book of the Month Pick by Amazon, PopSugar, Town & Country, Vox, Veranda, and others.

McCoy's writing has appeared in Newsweek, Real Simple, Lit Hub, The Millions, Your Health Monthly, Writer Unboxed, the Huffington Post and other publications.