Midflorida Credit Union
Headquarters
129 S Kentucky Ave
Lakeland, FL 33801
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Phone 1-863-616-2114
2024 Overview
General Credit Union Information
Midflorida is an NCUA insured institution located in Lakeland, FL. It was founded in 1954 and has approximately $7968.9 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 | $7,968.90 million |
| Loans | $6,139.70 million |
| Deposits | $6,819.04 million |
| Capital | $817.16 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 - November 2, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.01% | $0 | - |
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|
|
Money Market
|
0.01% | $0 | $999 |
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|
|
Money Market
|
0.01% | $1,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
1.25% | $1,000 | - |
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|
| 10 Mo CD
|
5.00% | $10,000 | - |
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|
| 12 Mo CD
|
4.75% | $1,000 | - |
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|
| 12 Mo CD
|
1.50% | $1,001 | - |
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|
| 18 Mo CD
|
2.00% | $1,000 | - |
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|
| 18 Mo CD
|
5.55% | $10,000 | - |
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|
| 24 Mo CD
|
2.15% | $1,000 | - |
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|
| 36 Mo CD
|
2.25% | $1,000 | - |
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|
| 48 Mo CD
|
2.50% | $1,000 | - |
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|
| 60 Mo CD
|
3.00% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.01% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.00% | $0 | $10,000 | Learn More |
| INTCK
|
0.05% | $10,000 | - | Learn More |
Loan Rates - November 2, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.987% | 6.875% | 0.88 | $3,654 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Midflorida
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Columbus,Ohio
Midflorida Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 807.33 | A | View Lobby Hours | |
| 808.01 | B | View Lobby Hours | |
| 813.95 | C | View Lobby Hours | |
| 815.97 | D | View Lobby Hours | |
| 816.18 | E | View Lobby Hours | |
| 818.99 | F | View Lobby Hours | |
| 821.27 | G | View Lobby Hours | |
| 821.65 | H | View Lobby Hours | |
| 822.62 | I | View Lobby Hours | |
| 823.92 | J | View Lobby Hours | |
| 824.91 | K | View Lobby Hours | |
| 825.23 | L | View Lobby Hours | |
| 826.10 | M | View Lobby Hours | |
| 826.69 | N | View Lobby Hours | |
| 827.05 | O | View Lobby Hours | |
| 827.08 | P | View Lobby Hours | |
| 827.72 | Q | View Lobby Hours | |
| 828.67 | R | View Lobby Hours | |
| 828.98 | S | View Lobby Hours | |
| 829.58 | T | View Lobby Hours | |
| 830.79 | U | View Lobby Hours | |
| 831.70 | V | View Lobby Hours | |
| 834.81 | W | View Lobby Hours | |
| 835.43 | X | View Lobby Hours | |
| 836.41 | Y | View Lobby Hours | |
| 837.82 | Z | View Lobby Hours |
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 |
|---|---|
| 4.43% | 5.83 |
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 June 30, 2024, Midflorida had $34,973,118 in non-current loans and $2,774,175 in owned assets. To cover these potential losses it had $817,155,375 in net worth and $34,658,881 in loans loss reserves. That gives it a Texas Ratio of 4.43%.
Net Worth
| Midflorida | U.S. Average |
|---|---|
| 10.24% | 13.93% |
Midflorida FCU has a net worth of 10.24% versus the BestCashCow average of 13.93. 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)
Carson76
February 4, 2020 | Replies 1
This is false advertising. The actual apy is 2.5º\º
Is this review helpful? Yes:0 / No: 0
Carson76 | Feb 15, 2020
Nice to see they corrected the 3º/º to 2.50º/º
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