MIDFLORIDA Credit Union Adds 18-Month CD Special - Not Available


UPDATE 6/5/19: The 18-month CD Special is currently unavailable.

Deal Summary: 18-month CD Special, 3.00% APY, $10k minimum deposit, with a $2 million maximum deposit per Social Security number.

Availability: Residents of 25 central Florida counties.

A year ago, MIDFLORIDA Credit Union (MIDFLORIDA) offered 3.00% APY on a 5-year CD in celebration of the Credit Union’s assets reaching $3 billion. The 3.00% APY is available again, but this time it’s attached to an 18-month CD Special that should provide “many happy returns.” This limited time offer requires a $10k minimum opening deposit and carries a “$2 million maximum per Social Security number.”

According to CSR, the Early Withdrawal Penalty for the 18-month CD Special is 9 months of dividends. No partial withdrawals are allowed on this CD Special, only early closures.


Headquartered in Lakeland, MIDFLORIDA Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, worship, or attend school in any of the following central Florida counties eligible to join.

Florida counties: Brevard, Charlotte, Citrus, DeSoto, Glades, Hardee, Hernando, Highlands, Hillsborough, Indian River, Lake, Manatee, Marion, Martin, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter, and Volusia.

Joining MIDFLORIDA can be done online, or at any of 47 full-service Florida branches located in Altamonte, Arcadia, Auburndale, Avon Park, Bartow, Bay Pines, Brandon, Clearwater (2), Haines City, Kissimmee, Lake Placid, Lake Wales, Lakeland (8), Largo, Lutz (2), Maitland, New Port Richey, Okeechobee, Orlando (4), Pinellas Park, Plant City, Port Saint Lucie, Sebring (3), St. Petersburg, Tampa (4), Vero Beach, Wauchula, and Winter Haven (3).

While some MIDFLORIDA CDs can be opened online, the CD Special must be opened in-branch in any of the above mentioned locations.

Credit Union Overview

MIDFLORIDA Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.73% (excellent), based on September 30, 2018 data. In the past year, MIDFLORIDA has increased its total non-brokered deposits by $255.58 million, an excellent annual growth rate of 10.33%. Please refer to our financial overview of MIDFLORIDA Credit Union (NCUA Charter # 68600) for more details.

In 1954, a shoebox in the home of a Polk County school teacher served as the initial repository for the newly established Polk County Teachers Credit Union. For 43 years, the Credit Union’s membership was limited to educational employees, but in 1997 the charter was changed to a residency-based field of membership. The next 15 years saw two name changes, two mergers, another charter change, and expansion into several counties. Following the July 2017 merger with Martin Federal Credit Union, MIDFLORIDA Credit Union has become Florida’s fourth largest credit union, with nearly 306,000 members and assets in excess of $3.5 billion.

How the CD Special Compares

When compared to 203 similar length of term CDs tracked by DepositAccounts.com, which are available within the FOM and required a minimum deposit of $10k or less, MIDFLORIDA Credit Union’s 18-month CD Special APY currently ranks third.

The above rates are accurate as of 12/5/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Orlando CD rates, Tampa CD rates, West Palm Beach CD rates, Ft. Myers CD rates, Gainesville CD rates, 1-year CD rates

MIDFLORIDA CU Adds 5-Year Celebration CD

UPDATE 1/16/18: The Celebration CD with a 3% APY has expired and is no longer available.

Deal Summary: 5-Year Celebration Certificate, 3.00% APY, $3k min/$100k max deposit, for existing MIDFLORIDA Credit Union members only.

Availability: Residents of 24 central Florida Counties.

MIDFLORIDA Credit Union’s (MIDFLORIDA) assets now total $3 billion. To mark the occasion, MIDFLORIDA is offering a 5-Year Celebration Certificate (3.00% APY) to existing members. This is a limited time offer that requires a $3k minimum opening deposit and is capped at $100k.

Continue Reading
MIDFLORIDA Credit Union Adds Limited-Time 5-Year CD

UPDATE 1/16/18: The Lifestyle Certificate has expired and is no longer available.

UPDATE 12/19/17: The 5-year Lifestyle Certificate rate is back at 3% APY. This is according to a MIDFLORIDA representative.

UPDATE 11/21/17: The 5-year Lifestyle Certificate rate has fallen to 2.50% APY. All other features are the same. This is according to a MIDFLORIDA representative.

UPDATE 11/10/17: I've received new details. Please see updates below.

Deal Summary: 5-Year Lifestyle Certificate, 3.00% APY, $100k minimum deposit, new money, partial penalty-free early withdrawals allowed (up to 10% per year).

Availability: Residents of 24...

Continue Reading
MIDFLORIDA CU Celebrates Merger With 5-Year CD

Deal Summary: 5-Year Certificate Special, 2.50% APY, $10k minimum deposit

Availability: Residents of 20 Central Florida Counties

In celebration of its upcoming merger with Martin Federal Credit Union, MIDFLORIDA Credit Union (MIDFLORIDA CU) is offering a 5-year Certificate Special (2.50% APY). This limited time offer requires a minimum $10k deposit to open, with a maximum deposit of $1m per member.

The 5-year is also offered as an IRA (Traditional, Roth), earning the same APY with the same funding requirements.

As stated on MIDFLORIDA CU’s Terms and Conditions page, the Early...

Continue Reading
MIDFLORIDA CU Has Limited Time, Top Rate 36-Month CD
Availability: Residents of 20 Central Florida Counties

In April, I wrote about MIDFLORIDA Credit Union’s 60-month Step Up Certificate with a blended 3.04% APY. That limited time offer has expired, but MIDFLORIDA Credit Union is currently offering a 36-month Step Up Certificate (blended 2.02% APY).

The 36-month Step Up Certificate is advertised as available for "limited time only," but there is no specific end-date stated. The minimum opening deposit is $1K of new money, with a maximum deposit of $1M per person.

While the 36-month Step Up CD...

Continue Reading
MIDFLORIDA CU Offers Limited Time, High Rate 60-Month Step Up CD
Availability: Residents of 20 Central Florida Counties

MIDFLORIDA Credit Union (MIDFLORIDA CU) is offering a 60-month Step Up Certificate (3.04% blended APY). This limited time offer, expiring on April 30, 2015, requires a minimum $1K deposit to open. There is a maximum deposit of $1M per person.

This 60-month Step Up Certificate (CD) is for consumer deposits only, with no institutional funds allowed.

While the 60-month Step Up CD is not listed in MIDFLORIDA CU’s Rate Table, details can be found here.

The breakdown of the tiered...

Continue Reading

More Past Offers

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.