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Midflorida Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 10, 2026
Midflorida Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 36 Month CD, 5.00% APY on savings, 3.75% APY on money market accounts, 5.00% APY on checking, and personal loans from 11.22% APR, according to rates verified by MonitorBankRates. Other Midflorida Credit Union CD rates include 60 Month CD at 4.00%, 14 Month CD at 3.75%, and 8 Month CD at 3.75%. 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 10/10/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Midflorida Credit Union has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
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.
Based on 1 member review averaging 1.0 stars.
Texas Ratio
?
3.18%
ExcellentLower than avg
Midflorida Credit Union Texas Ratio
Midflorida Credit Union's Texas Ratio is 3.18%, which is considered excellent and is lower than the national average of 6.13%.
Midflorida Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.13% to 3.18% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
Product
Rate
APY
Term
View More
36 Month Certificate
-
4.00%
36 months
Min Deposit$1,000
DetailsOffer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 36-month CD is 4.00%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
60 Month Certificate
-
4.00%
60 months
Min Deposit$1,000
DetailsOffer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 60-month CD is 4.00%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
14 Month Certificate
-
3.75%
14 months
Min Deposit$1,000
DetailsOffer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 14-month CD is 3.75%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
8 Month Certificate
-
3.75%
8 Months
Min Deposit$1,000
DetailsOffer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 8-month CD is 3.75%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
60 Month IRA Certificate
2.96%
3.00%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
60 Month Regular Certificates
2.96%
3.00%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
48 Month IRA Certificate
2.716%
2.75%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
48 Month Regular Certificates
2.716%
2.75%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
36 Month IRA Certificate
2.472%
2.50%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
36 Month Regular Certificates
2.472%
2.50%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
24 Month IRA Certificate
2.227%
2.25%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
24 Month Regular Certificates
2.227%
2.25%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
18 Month IRA Certificate
1.982%
2.00%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
18 Month Regular Certificates
1.982%
2.00%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
12 Month IRA Certificate
1.736%
1.75%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
12 Month Regular Certificates
1.736%
1.75%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
6 Month IRA Certificate
1.49%
1.50%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
6 Month Regular Certificates
1.49%
1.50%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
3 Month IRA Certificate
1.243%
1.25%
3 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
3 Month Regular Certificates
1.243%
1.25%
3 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Savings Rates
Product
Rate
APY
View More
High Five Savings
4.889%
5.00%
Min Balance$0
DetailsBalance: $0.01 to $2,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Youth Savings
3.928%
4.00%
Min Balance$0
DetailsBalance: $0.01 to $5,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$0
DetailsBalance: $0.01 to $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$25,000
DetailsPublished APY range: 3.00% to 3.00%. Balance: $25,000.00 to $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$50,000
DetailsPublished APY range: 3.00% to 3.00%. Balance: $50,000.00 to $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$100,000
DetailsPublished APY range: 3.00% to 3.00%. Balance: $100,000.00 to $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$250,000
DetailsPublished APY range: 3.00% to 3.00%. Balance: $250,000.00 to $999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Savings
2.96%
3.00%
Min Balance$1,000,000
DetailsPublished APY range: 3.00% to 3.00%. Balance: $1,000,000.00 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Holiday Club
1.982%
2.00%
Min Balance$0
DetailsBalance: $0.01 to $4,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
IRA Savings
0.01%
0.01%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Regular Savings
0.01%
0.01%
DetailsBalance: All balances
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Relationship Savings
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.01 to $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Relationship Savings
0.01%
0.01%
Min Balance$10,000
DetailsPublished APY range: 0.01% to 0.01%. Balance: $10,000.00 to $100,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Relationship Savings
0.01%
0.01%
Min Balance$100,000
DetailsPublished APY range: 0.01% to 0.01%. Balance: $100,000.01 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Business Savings Rates
Product
Rate
APY
View More
Extreme Business Savings
0.35%
0.53%
Min Balance$250,000
DetailsPublished APY range: 0.53% to 0.35%. Balance: $250,000.01 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.53% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Extreme Business Savings
0.45%
0.45%
Min Balance$0
DetailsBalance: $0.01 to $50,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Business Savings
0.01%
0.01%
DetailsAll balances
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.01 to $999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Money Market
0.01%
0.01%
Min Balance$1,000
DetailsBalance: $1,000.00 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
3.687%
3.75%
Min Balance$1,000,000
DetailsBalance: $1,000,000.01 & over
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 10, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Business Money Market
3.445%
3.50%
Min Balance$100,000
DetailsBalance: $100,000.01 to $250,000.00
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.50% ▲ 0.45 pts · high 3.50% / low 3.05%
Oct 10, 20263.50%▲ from 3.05%
Sep 14, 20263.05%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Business Money Market
3.445%
3.50%
Min Balance$250,000
DetailsBalance: $250,000.01 to $1,000,000.00
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
Oct 10, 20263.50%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Business Money Market
3.203%
3.25%
Min Balance$10,000
DetailsBalance: $10,000.01 to $100,000.00
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
Oct 10, 20263.25%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Business Money Market
2.96%
3.00%
Min Balance$0
DetailsBalance: $0.01 to $10,000.00
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
Oct 10, 20263.00%▲ from 2.50%
Sep 14, 20262.50%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Checking
4.889%
5.00%
Min Balance$0
DetailsBalance: $0.01 to $10,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
High Yield Checking
-
5.00%
Min Balance$10,000
DetailsPublished APY range: 5.00% to 0.00%. Balance: $10,000.01 & over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Investor Checking
0.25%
0.25%
Min Balance$0
DetailsBalance: $0.01 to $999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Investor Checking
0.25%
0.25%
Min Balance$1,000
DetailsPublished APY range: 0.25% to 0.25%. Balance: $1,000.00 to $10,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking Plus Interest
4.889%
5.00%
Min Balance$0
DetailsBalance: $0.01 to $10,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
6.28%
up to 60 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.28% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Home Equity Loan
-
-
6.51%
up to 120 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.51% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Home Equity Line of Credit
-
-
7.00%
10 years
DetailsTerm: 10-year draw period, 10-year repayment period; Intro rate: 4.99% for first 6 months, then as low as 7.00%
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 2, 20267.00%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Home Equity Loan
-
-
7.00%
up to 180 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loan (2025 and Newer Autos)
-
-
5.64%
up to 72 months
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Vehicle Loan (2024 Autos)
-
-
5.89%
up to 72 months
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Vehicle Loan (2023 Autos)
-
-
6.39%
up to 72 months
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Vehicle Loan (2022 and 2021 Autos)
-
-
7.14%
up to 72 months
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.14% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Recreational Loan
-
8.70%
up to 60 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.70% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Used Recreational Loan
-
9.71%
up to 60 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.71% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Personal Loan Rates
Product
APR
Term
View More
Closed End Personal Loan
11.22%
up to 72 months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.22% APR · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Midflorida Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Premium Line of Credit
-
-
14.00%
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75%
Oct 10, 202614.00%▲ from 13.75%
Sep 22, 202613.75%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Extreme Yield
0.35%
-
0.35%
Min Balance$0
DetailsBalance: $0.01 to $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Extreme Yield
0.35%
-
0.35%
Min Balance$10,000
DetailsPublished APY range: 0.35% to 0.35%. Balance: $10,000.00 to $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.18%
Financial Health History
Midflorida 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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$9.8B
3.18%
5.0
A+
March 31, 2026
$9.8B
2.43%
5.0
A+
December 31, 2025
$8.8B
2.53%
5.0
A+
September 30, 2025
$8.8B
2.26%
5.0
A+
June 30, 2025
$8.7B
2.38%
5.0
A+
March 31, 2025
$8.6B
2.00%
5.0
A+
December 31, 2024
$8.1B
2.74%
5.0
A+
September 30, 2024
$8.0B
2.67%
5.0
A+
June 30, 2024
$8.0B
2.86%
5.0
A+
March 31, 2024
$7.9B
2.36%
5.0
A+
December 31, 2023
$7.5B
2.54%
5.0
A+
September 30, 2023
$7.4B
2.13%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
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
Q2 2026 MBR Health & Safety Badge
Midflorida Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
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Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★☆☆☆☆
Total Reviews
1
Add Your Rating and Review for Midflorida Credit Union
Frequently Asked Questions About Midflorida Credit Union
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
12-Month CD1.75%
18-Month CD2.00%
24-Month CD2.25%
60-Month CD3.00%
Savings5.00%
MMA3.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
