Featured Savings Rates
Featured Accounts


Popular Accounts at this Credit Union

1.00%4-year CD49 - 60 Month Regular Certificate
0.75%3-year CD37 - 48 Month Regular Certificate
0.50%2-year CD25 - 36 Month Regular Certificate

Overview / Commentary
129 S Kentucky Ave
Lakeland, FL 33801

MIDFLORIDA Credit Union is a multi-branch credit union that focuses on the Central Florida region. The credit union offers personal and business products and services that serve hundreds of thousands of members.

On the personal banking side, MIDFLORIDA offers checking, savings, money market, and certificate accounts to provide different opportunities for consumers to save and manage their money. The credit union makes available a checking account designed specifically for teenagers that comes with bonus rates on college-focused certificate accounts. Several other checking accounts provide members with various features like debit cards, eStatements, Bill Pay, and Cashier’s Checks to name a few. MIDFLORIDA’s savings account opportunities vary based on age, with a savings account geared towards teens and a savings account geared towards children. A basic savings account is also offered that includes an incentive when certain account balance thresholds are met. Money market accounts offered by the credit union have minimum initial deposit requirements and increase interest earnings based on account balances. Certificates are considered investments by the credit union and are available in term lengths ranging from 12 to 60 months. One certificate opportunity targets college students specifically and offers bonus basis points on interest earned to college-aged members.

MIDFLORIDA Credit Union online banking allows members to manage all of their accounts in one location. It provides functions like check image viewing, fund transfers, Bill Pay, and Debit Card Rewards tracking. The credit union also offers a smartphone app that members can use to manage their accounts and make various payments.

MIDFLORIDA Credit Union was originally chartered in 1954 as the Polk County Teachers Credit Union. It was initially established to meet the banking needs of teachers in the community and eventually opened its membership up to residents, generally, in 2002.

Field of Membership Restrictions

Membership in MIDFLORIDA Credit Union is open to those who live, work, attend school or worship in Citrus, Charlotte, DeSoto, Hardee, Glades, Hernando, Hardee, Highlands, Hillsborough, Indian River, Lake, Manatee, Marion, Martin, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter, or Volusia Counties and in zip codes 32908, 32949, 32909, or 32976 in Brevard County.
See current membership details

Related Posts

MIDFLORIDA Credit Union Adds Limited-Time 5-Year CD - 11/6/2017

MIDFLORIDA CU has a limited-time 5-year Lifestyle CD (3.00% APY). Minimum deposit of $100k new money. Partial fee-free withdrawals (up to 10%) allowed per year.

$200 Checking Bonus - MIDFLORIDA - 10/17/2017

Get $200 cash when you open a new Free Checking account (with direct deposit) and get approved for a loan or credit card. https://www.midflorida.com/accounts/checking-accounts-florida/200-free-checking

MIDFLORIDA CU Celebrates Merger With 5-Year CD - 3/14/2017

MIDFLORIDA CU is celebrating its upcoming merger with Martin FCU by offering a 5-year CD Special (2.50% APY). Min deposit is $10k, with a max of $100m per member.

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I have been banking with this credit union since I was 16 doing my internships. This bank has been very kind to me through setting up my account and walking me through setting limits to where I won't have overdraft fees. The only downfall is its only located in central Florida so if I go out of state, I would't be able to go to the bank to withdraw money. Their app and online services are so great and user friendly; it allows me to make changes such as transfer money from checking to savings and manage my funds as well as going being able to just take a picture of a check and the funds being directly deposited into the account.

Special Cds

This CU has a history of special CDs if you wait for them. The 3-yr and 5-yr step-up CDs are listed here. They also have a Christmas Club that you can use as a one-year CD. The one that pays out in November 2015 pays 2% on up to $4,000. The November 2014 one paid 3% on up to $3,000. These do not roll-over; you can add to them during the year (as with a typical Christmas Club), or invest all at once.

Very friendly. Good checking, ATM, safe deposit.

MidFlorida Credit Union Review

Posted by: Seeffer | Oct 24, 2017

This establishment was the result of a recent merger. I don't believe they have the best customer service. My debit card has never worked and I am unable to activate it. The lines are always long when trying to visit in person to make deposits and withdrawals. They require you to fill out deposit/withdrawal slips prior to completing a transaction. The mobile experience is phenomenal. It always seems to work really well and I have been able to set up transfers to other credit unions without issue. Funds are available very quickly after deposit. Prior to the merger customers had the option to receive receipts through the e-mail linked to their accounts. This is no longer an option and paper receipts are provided. I have been satisfied with the banking at this location. There is a branch located at my place of employment that makes it easy to access and conduct business. I do however wish the customer service was better.

Avoid Midflorida - Bank Sucks

Posted by: mcreed732 | Jun 18, 2015

Fees after fees for sometimes their mistakes. Avoid using this bank as their customer service is also horrible. Their transactions page and mobile apps are full of glitches. Even the way their bank transactions post of horrible and not normal like other banks. Just walk away!



Health Grade Components

NCUA #68600
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD13.72%
Annual Interest Income$45.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.95B$2.53B
LoansQ2 2017vs Q2 2016$2.21B$1.86B
DepositsQ2 2017vs Q2 2016$2.45B$2.04B
Equity CapitalQ2 2017vs Q2 2016$279.8MM$244.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$23.0MM$20.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$8.4MM$4.8MM
Real Estate OwnedQ2 2017vs Q2 2016$315.00K$782.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

$200 Checking Bonus - MIDFLORIDA

blakeb   |  
Get $200 cash when you open a new Free Checking account (with direct deposit) and get approved for a loan or credit card.


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Always verify rates and promotions with the bank or credit union. We are not MIDFLORIDA Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

MIDFLORIDA Credit Union Savings Account Rates

2.00%*-$4kHoliday Club
OTHER TIERS: 0.05% $4k+
1.00%*-$5kYouth Savings
OTHER TIERS: 0.05% $5k+
0.05%--Business Savings
0.05%--IRA Savings
0.05%--Regular Savings
0.05%--Relationship Savings
0.05%--Roth IRA Savings

MIDFLORIDA Credit Union Money Market Rates

0.05%--Business Money Market
0.05%--Money Market

MIDFLORIDA Credit Union Checking Account Rates

1.00%*$100k*$1mBusiness Checking with Interest
OTHER TIERS: 0.05% Any amount
1.00%*-$10kInvestor Checking
OTHER TIERS: 0.05% $10k+
0.05%$1,500-Relationship Checking

MIDFLORIDA Credit Union CD Rates

2.50%$100k-5 Year Certificate Special
1.00%$1k-49 - 60 Month Regular Certificate
0.75%$1k-37 - 48 Month Regular Certificate
0.50%$1k-25 - 36 Month Regular Certificate
0.30%$1k-19 - 24 Month Regular Certificate
0.20%$1k-13 - 18 Month Regular Certificate
0.15%$1k-12 Month Regular Certificate
0.10%$1k-6 Month Regular Certificate
0.05%$1k-3 Month Regular Certificate

MIDFLORIDA Credit Union IRA Rates

2.50%$10k-5 Year IRA Certificate Special
1.00%$1k-49 - 60 Month IRA Certificate
0.75%$1k-37 - 48 Month IRA Certificate
0.50%$1k-25 - 36 Month IRA Certificate
0.30%$1k-19 - 24 Month IRA Certificate
0.20%$1k-13 - 18 Month IRA Certificate
0.15%$100-12 Month IRA Certificate
0.10%$1k-6 Month IRA Certificate
0.05%$1k-3 Month IRA Certificate