129 S Kentucky Ave
Lakeland, FL 33801
See all branch locations →

Phone 1-863-616-2114

Notable Rates APY Vs.Others
Savings 0.01% 0.95% →
1-Year CD 0.10% 1.01% →
2-Year CD 0.25% 0.95% →
5-Year CD 0.50% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Midflorida is an NCUA insured institution located in Lakeland, FL. It was founded in 1954 and has approximately $4632.93 millions in assets.

Who can join?

Anyone who lives, works, worships or attends school in any of the following areas can join: Polk, Highlands, Okeechobee, Hardee, DeSoto, Glades, Osceola and Sumter counties or portions of Martin, Hillsborough, Pinellas, Lake, Hernando and Pasco counties.

NCUA Insured Yes
Charter Number # # 68600
Date Established 1954
Assets $4,632.93 million
Loans $3,242.85 million
Deposits $4,136.17 million
Capital $429.86 million

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.

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.01% $2,500 $4,999 Learn More
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.01% $10,000 $14,999 Learn More
Money Market
0.01% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
30 Mo CD
0.30% $10,000 $14,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.30% $100,000 $199,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.01% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MIDFLORIDA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Midflorida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Midflorida Locations

Financial Details

Midflorida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Midflorida. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Midflorida U.S. Average
6.30% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Midflorida had $26,146,605 in non-current loans and $2,804,672 in owned assets. To cover these potential losses it had $429,863,971 in net worth and $30,040,501 in loans loss reserves. That gives it a Texas Ratio of 6.30%.

Net Worth
Midflorida U.S. Average
9.27% 13.61%

Midflorida FCU has a net worth of 9.27% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Midflorida

Branches and Savings

What is Midflorida?

A federal credit union, registered with the NCUA under certificate #68600.
Learn more about credit unions here.

Is Midflorida FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Midflorida?

Please see Field of Membership information above for information on who is eligible to join.

What are Midflorida's share account and share certificate rates?

Midflorida's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Midflorida?

Midflorida has total capital of $429.86 million. Full information on Midflorida's financial position is located above.

Who owns Midflorida?

Credit Unions are owned by their members.

Where are Midflorida branches located?

See branch locations nearby.

Are Midflorida ATMs Open 24/7?

Do Midflorida ATMs accept cash deposits?

Can Midflorida customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Midflorida have a mobile app?

Does Midflorida have mobile deposit?

Does Midflorida have quick pay?

How can Midflorida transfer money to other banks or credit unions?

Does Midflorida report to credit bureaus?

Does Midflorida use Chexsystems?

Does Midflorida use Equifax?

What is Midflorida's toll free phone number?

What is Midflorida's ACH Routing Number?

What is Midflorida's SWIFT code?

Where can I find Midflorida's wire transfer form?

What is the Midflorida address for deposits?

What Products Does Midflorida Offer

Does Midflorida offer mortgages?

Compare mortgage rates here.

Does Midflorida offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Midflorida offer auto and RV loans?

Compare auto loan rates here.

Does Midflorida offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Midflorida (2)

  • February 04, 2020 | Replies 1

    CDs 60 Month Rates

    This is false advertising. The actual apy is 2.5º\º

    Carson76 | Oct 20, 2020

    Nice to see they corrected the 3º/º to 2.50º/º

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