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iAdvertiser Disclosure
Advertiser Disclosure
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 Midflorida Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Midflorida Credit Union's Regular CDs - 60 Month rates are at 3.00%, Regular CDs - 48 Month rates are at 2.75%, Regular CDs - 36 Month rates are at 2.50%, Regular CDs - 24 Month rates are at 2.25%, Regular CDs - 18 Month rates are at 2.00%. Midflorida Credit Union's savings rates are at 5.00%. Midflorida Credit Union's money market rates are at 3.75%. Midflorida Credit Union's checking rates are as high as 5.00%. Midflorida Credit Union's Personal Loan Rates are as low as 11.22%. Midflorida Credit Union's CD rates are 24% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Midflorida Credit Union with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.18%. Rates last updated and verified on 10/30/2026. Midflorida Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Midflorida Credit Union? Share your experience about Midflorida Credit Union by leaving a review below, or read customer reviews before you decide to use Midflorida Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Midflorida Credit Union CD Rates
Midflorida Credit Union Savings Rates
Midflorida Credit Union Business Savings Rates
Midflorida Credit Union Money Market Rates
Midflorida Credit Union Business Money Market Rates
Midflorida Credit Union Checking Rates
Midflorida Credit Union Business Checking Rates
Midflorida Credit Union Home Equity & HELOC
Midflorida Credit Union Auto Loan Rates
Midflorida Credit Union RV, Boat and Powersport Loan Rates
Midflorida Credit Union Personal Loan Rates
Midflorida Credit Union Other Rates
Financial Health HistoryMidflorida Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 3.18% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Midflorida Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Midflorida Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Midflorida Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Midflorida Credit Union
Website
https://www.midflorida.com
Address
129 S Kentucky Ave,
Lakeland, FL 33801
Phone
863-688-3733
Fax
President
Nick Sudzina
CEO
Steve Moseley
Full-Time Employees
1,332
Part-Time Employees
224
Branch Locations
69
ATM Locations
89
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
3.18%
Return on Assets (ROA)
0.6374%
Return on Equity (ROE)
5.9631%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
9,790,681,748
Total Amount of Shares and Deposits
8,631,128,535
Total Shares and Deposits < 1 Year
7,858,975,434
Total Shares and Deposits 1 3 Years
602,052,431
Total Shares and Deposits > 3 Years
170,100,670
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,142,069,119
Total Uninsured Shares and Deposits > $250K (F+J)
1,284,711,608
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,346,416,927
Total Interest Expense (Sum of items 6 8)
79,571,655
Share Certificates
28,398
Number of Accounts for Share Drafts
381,533
IRA KEOGH Accounts
7,669
Number of Accounts for Regular Shares
839,037
All other shares
84,234
Non Member Deposits
9,299
Money Market Shares
5,507
Net Income (unless the amount is already included in Undivided Earnings)
62,405,097
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
493,677,500
Total Liabilities
8,754,576,315
Source: NCUA — Last Updated 06/30/2026
Customer ReviewsAaron
October 12, 2025
MidFlorida is terrible. Take your money and run.
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Frequently Asked Questions About Midflorida Credit UnionDoes Midflorida Credit Union offer CDs?Yes. Midflorida Credit Union current CD rates include its Regular CDs - 60 Month at 3.00% APY, its Regular CDs - 48 Month at 2.75% APY and its Regular CDs - 36 Month at 2.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Midflorida Credit Union NCUA insured?Yes. Midflorida Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Midflorida Credit Union?The highest Midflorida Credit Union CD rate is its 36 Month Current CD Special at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Midflorida Credit Union offer?Midflorida Credit Union CD rates are 1.75% APY for a 12 month CD, 2.00% APY for an 18 month CD, 2.25% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.75% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Midflorida Credit Union for its full lineup. What is the highest savings rate at Midflorida Credit Union?The highest Midflorida Credit Union savings rate is its High Five Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Midflorida Credit Union?The highest Midflorida Credit Union money market rate is its Business Money Market at 3.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Midflorida Credit Union?The highest Midflorida Credit Union checking rate is its Business Checking Plus Interest at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Midflorida Credit Union?The lowest Midflorida Credit Union auto loan rate is its Vehicle Loan (2025 and Newer Autos) at 5.64% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Midflorida Credit Union?The lowest Midflorida Credit Union personal loan rate is its Closed End Personal Loan at 11.22% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Midflorida Credit Union operate?Midflorida Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Midflorida Credit Union?Yes, to access services at Midflorida Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Midflorida Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Midflorida Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Midflorida Credit Union offer online and mobile banking?Most modern institutions like Midflorida Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.midflorida.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Midflorida Credit Union rates compare?Midflorida Credit Union's CD rates are 24% lower than the MonitorBankRates national average, and it has an A+ health rating. Midflorida Credit Union's top rates are its 36 Month Current CD Special at 4.00% APY, its High Five Savings at 5.00% APY, its Business Money Market at 3.75% APY, its Business Checking Plus Interest at 5.00% APY and its Closed End Personal Loan at 11.22% APR, verified by MonitorBankRates on October 30, 2026. Current Midflorida Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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