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, worship, or attend school in the Florida counties of Alachua, Baker, Bradford, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, Dixie, DeSoto, Duval, Flagler, Franklin, Gadsden, Gilchrist, Glades, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwanee, Taylor, Union, Volusia, or Wakulla.
See current membership details

Related Posts

Hot 18-Month CD Special In Florida - 7/18/2023

MIDFLORIDA Credit Union CD specials that began on July 2023 5.55% APY for 18 months ($10,000 minimum to open; for new deposits) 4.75% APY for 12 months ($1,000 minimum to open; for new deposits) 5.00% APY for 10 months ($10,000 minimum to open, for new and existing deposits) https://www.midflorida.com/rates/certificates/ Most of FL is now eligible for membership, but a branch visit is probably needed to open these CD specials. Not easy to get info/help from web or phone. https://www.midflorida.com/about-us/service-area/

View all posts from:

Reviews (6)

Line Of Credit

Posted by: |

Mid Florida Credit Union discriminates against some of us and there 5 star rating is a lie. We applied for a line of credit $ 50000.00 ,our home is worth $228000.00 our outstanding mortgage is $73000.00 or income is $4200.00 a month, our bills are $1200.00 a month. We have excellent credit 820 plus with 0 late payment we more then qualify for a loan of that amount however Mid Florida turned us down no explanation given no counter offer made. Mid Florida did the same last year, now we have both hard inquiry on our record, we been good customers for over ten years and all Mid Florida did is use our money for their gain. Shame on them

Midflorida Credit Union Scams

Posted by: |

My name, is Jean. I was a loyal customer of your bank, since I was 16yrs old. This is where I've opened my first bank account. But, enough of that. Since 2021 it's now over two years since your bank has stolen $20,625.00 from my account #
Route # NICOLE MOORE is the person that has frozen my account without any explanations. When I spoke with her over the phone, she was very rude and nasty. She should not be working there at all or as a loss prevention manager. All your other members do not reply back to me from their emails. Steve Moseley, CEO · Amanda 'Mandy' Cox, Compliance Officer · Cassandra Conrad. This is the wrost credit union bank company ever. Stay away from them people. Now, I demanded to have my funds back ASAP, with loss for the emotional and financial depression, your bank has put me into for the last two years.

Deception At Midflorida Credit Union

Posted by: |

Recently purchased a vehicle and used MidFlorida for financing. Received my first bill and noticed there my signed for balance was different than my installment contract. Spoke with the loan department and they told me they also charge a $125.00 Doc Fee. I went through the contract and that $125.00 was already included in the contract total. They refuted it saying that $125.00 was prepaid interest not the doc fee. I explained that I signed for an amount and expected it to be the final number. Long story short, it didn't matter what I said nothing was going to change! Have used MidFlorida for 20 years and financed 2 vehicles with them and NEVER in the past had this happen. Very sad day as I am probably going to pay off the loan and withdrawal all my money and find a new credit union. This hidden fee nonsense is what is ruining relationships and why no one trusts Banks in this country. NO STARS for this revue!

Not Recommended

Posted by: |

Everyone at this bank from Manager to representatives are really rude. They don’t believe in customer service. They do not respect their customers. After five years of banking with them I have had it and left this bank with no return. My opinion to anyone is to avoid this bank. If you spend a little time reading other reviews on other sites it would seem being rude and causing other problems is what they do best.

Not A Good Bank.

Posted by: |

I just moved to Florida and was looking for a bank. I talked to a representative to this bank and she was pretty rude. I just wanted to setup a free checking. I filled out the application and found out it wasn't free like they said. It costed me 55.00. A few hours later I got a message saying they had denied me due to credit score. I never heard of a bank deny someone from a free checking account due to credit score. So now my other credit union bank that I've been with for 20+ years has a hold put on the 55.00. My opinion to anyone is to avoid this bank. Reading other reviews on other sites it would seem being rude and causing other problems is what they do best.

Mid Florida Credit Union Car Loan

Posted by: |

This company is not good. I got a car loan through a dealership and right away I started having issues. Mid Florida started saying that I didn't have insurance on the car, I spoke with the dealer they verified that they told them my insurance info, 2 weeks later I received more mail stating that they would charge me $1600 for insurance if I didn't send proof of insurance. This time I went on their web site and followed the procedure to give proof of insurance. 1 month later I again get mail that states I am not insured and 1600 is going against my loan, this time I called, talked to the rep, got everything straight. Another month goes by and I received another letter.......see where I'm going. This time I called another bank, refinanced my loan through them and want to cut all ties with Mid Florida. So I just got off Mid Florida's web site to verify they received the loan proceeds and they have removed the loan from my accounts. I can't see if they are payed in full or if they even got the check. DON'T USE THEM!!!


Health Grade Components

NCUA #68600
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD13.74%
Annual Interest Income$87.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$7.89B$7.02B
LoansQ1 2024vs Q1 2023$6.03B$5.66B
DepositsQ1 2024vs Q1 2023$6.76B$6.04B
Equity CapitalQ1 2024vs Q1 2023$737.8MM$628.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$66.9MM$58MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$20.2MM$8.8MM
Real Estate OwnedQ1 2024vs Q1 2023$474K$474K
Report an Issue

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.

MIDFLORIDA Credit Union Savings Account Rates

5.00%*$0$2kHigh Five Savings - Online Only
OTHER TIERS: 0.01% $2k+
3.00%$0$5mHigh Yield Savings Special
2.00%*$0$4kHoliday Club
OTHER TIERS: 0.01% $4k+
1.00%*$0$5kYouth Savings
OTHER TIERS: 0.01% $5k+
0.55%*$50k*$250kExtreme Yield
OTHER TIERS: 0.10% $250k+ | 0.35% $0 - $25k | 0.45% $25k - $50k
0.55%*$50k*$250kExtreme Business Savings
OTHER TIERS: 0.35% $250k+ | 0.45% $0 - $50k
0.01%$0-Business Savings
0.01%$0-IRA Savings
0.01%$0-Regular Savings
0.01%$0-Relationship Savings

MIDFLORIDA Credit Union Money Market Rates

4.25%*$250k*-Business Money Market
OTHER TIERS: 3.05% $0 - $10k | 3.51% $10k - $100k | 4.00% $100k - $250k
0.01%$0-Money Market

MIDFLORIDA Credit Union Checking Account Rates

5.00%$0-High Yield Checking
4.00%*$0$10kBusiness Checking Plus with Interest
OTHER TIERS: 0.05% $10k+
0.25%*$0$10kInvestor Checking
OTHER TIERS: 0.05% $10k+
0.01%$1.5k-Relationship Checking

MIDFLORIDA Credit Union CD Rates

5.00%$10k-6 Month Certificate Special - New Money
4.75%$10k-14 Month Certificate Special - New Money
4.75%$10k-6 Month Certificate Special
4.50%$10k-14 Month Certificate Special
3.25%$1k-60 Month Regular Certificate
3.00%$1k-48 Month Regular Certificate
2.50%$1k-36 Month Regular Certificate
2.25%$1k-24 Month Regular Certificate
2.00%$1k-18 Month Regular Certificate
1.50%$1k-12 Month Regular Certificate
1.25%$1k-6 Month Regular Certificate
1.00%$1k-3 Month Regular Certificate

MIDFLORIDA Credit Union IRA Rates

5.00%$10k-6 Month IRA Certificate Special - New Money
4.75%$10k-6 Month IRA Certificate Special
4.75%$10k-14 Month IRA Certificate Special - New Money
4.50%$10k-14 Month IRA Certificate Special
3.25%$1k-60 Month IRA Certificate
3.00%$1k-48 Month IRA Certificate
2.50%$1k-36 Month IRA Certificate
2.25%$1k-24 Month IRA Certificate
2.00%$1k-18 Month IRA Certificate
1.50%$1k-12 Month IRA Certificate
1.25%$1k-6 Month IRA Certificate
1.00%$1k-3 Month IRA Certificate


Tampa Area

Interactive local rates map

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.