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 Midflorida Credit Union Rates & Review March 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: March 28, 2026
Midflorida Credit Union's 60-month CD Specials rates are at 3.75%. Midflorida Credit Union's savings rates are at 0.01%. Midflorida Credit Union's money market rates are at 0.01%. Midflorida Credit Union's Cash-out Refinance Loan rates are at 5.99%. Midflorida Credit Union's Personal Loan Rates are at 11.22%. MonitorBankRates evaluates the financial stability of Midflorida Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates were last updated on 03/28/2026. 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. 
Midflorida Credit Union CD Rates
Midflorida Credit Union Savings Rates
Midflorida Credit Union Money Market Rates
Midflorida Credit Union Checking Rates
Midflorida Credit Union Mortgage Rates
Midflorida Credit Union Home Equity & HELOC
Midflorida Credit Union Personal Loan Rates
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
Chester Brojek
CEO
Steve Moseley
Full-Time Employees
1,240
Part-Time Employees
228
Branch Locations
64
ATM Locations
88
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.45%
Return on Assets (ROA)
1.0504%
Return on Equity (ROE)
9.5926%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
8,767,241,458
Total Amount of Shares and Deposits
7,484,920,046
Total Shares and Deposits < 1 Year
6,748,464,032
Total Shares and Deposits 1 3 Years
564,278,106
Total Shares and Deposits > 3 Years
172,177,908
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
810,007,512
Total Uninsured Shares and Deposits > $250K (F+J)
823,047,904
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,661,872,142
Total Interest Expense (Sum of items 6 8)
110,667,264
Share Certificates
30,468
Number of Accounts for Share Drafts
365,780
IRA KEOGH Accounts
7,704
Number of Accounts for Regular Shares
840,772
All other shares
79,978
Non Member Deposits
1,610
Money Market Shares
5,728
Net Income (unless the amount is already included in Undivided Earnings)
92,094,241
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
683,038,337
Total Liabilities
7,825,894,756
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Midflorida Credit UnionIs Midflorida Credit Union a safe place to deposit money?Yes, Midflorida Credit Union is considered a safe financial institution. With a Texas Ratio of 2.4532608884048%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Midflorida Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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