Midflorida Credit Union


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

Phone 1-863-616-2114

Notable Rates APY Vs.Others
Savings 0.01% 5.50% →
1-Year CD 4.75% 5.38% →
2-Year CD 2.25% 4.95% →
5-Year CD 3.25% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Midflorida is an NCUA insured institution located in Lakeland, FL. It was founded in 1954 and has approximately $7888.48 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 / State-Chartered
Charter Number # # 68600
Date Established 1954
Assets $7,888.48 million
Loans $6,029.26 million
Deposits $6,764.91 million
Capital $789.83 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 - July 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.01% $0 - Learn More
Money Market
0.01% $0 $999 Learn More
Money Market
0.01% $1,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.25% $1,000 - Learn More
10 Mo CD
5.00% $10,000 - Learn More
12 Mo CD
4.75% $1,000 - Learn More
12 Mo CD
1.50% $1,001 - Learn More
18 Mo CD
2.00% $1,000 - Learn More
18 Mo CD
5.55% $10,000 - Learn More
24 Mo CD
2.25% $1,000 - Learn More
36 Mo CD
2.50% $1,000 - Learn More
48 Mo CD
3.00% $1,000 - Learn More
60 Mo CD
3.25% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.01% $0 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.25% $0 $10,000 Learn MoreShow Less
0.05% $10,000 - Learn MoreShow Less

Loan Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,298 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.834% 6.740% 1.00 $3,075 $2,074 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Midflorida
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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.

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Climate Policy and Initiatives

MIDFLORIDA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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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
4.82% 6.52

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 31, 2024, Midflorida had $36,618,295 in non-current loans and $3,125,080 in owned assets. To cover these potential losses it had $789,825,490 in net worth and $34,658,881 in loans loss reserves. That gives it a Texas Ratio of 4.82%.

Net Worth
Midflorida U.S. Average
10% 13.65%

Midflorida FCU has a net worth of 10% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Midflorida (2)

  • February 4, 2020 | Replies 1

    CDs 60 Month Rates

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

    Carson76 | Feb 15, 2020

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

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