Midflorida Credit Union

Headquarters

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

Notable Rates	APY	Vs.Others
Savings	0.01%	5.50% →
1-Year CD	4.75%	4.65% →
2-Year CD	2.15%	4.25% →
5-Year CD	2.75%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

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 - December 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.01%	$0	-	Learn More Reviews
Money Market	0.01%	$0	$999	Learn More Reviews
Money Market	0.01%	$1,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	1.25%	$1,000	-	Learn More Reviews
10 Mo CD	5.00%	$10,000	-	Learn More Reviews
12 Mo CD	4.75%	$1,000	-	Learn More Reviews
12 Mo CD	1.50%	$1,001	-	Learn More Reviews
18 Mo CD	2.00%	$1,000	-	Learn More Reviews
18 Mo CD	5.55%	$10,000	-	Learn More Reviews
24 Mo CD	2.15%	$1,000	-	Learn More Reviews
36 Mo CD	2.25%	$1,000	-	Learn More Reviews
48 Mo CD	2.50%	$1,000	-	Learn More Reviews
60 Mo CD	2.75%	$1,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	0.01%	$0	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.00%	$0	$10,000	Learn MoreShow Less
INTCK	0.05%	$10,000	-	Learn MoreShow Less

Loan Rates - December 23, 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: 1025894	6.960%	6.875%	0.63	$2,764	$2,103	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.966%	6.875%	0.50	$3,145	$2,103	Learn More
NMLS ID: 3030	7.338%	7.250%	0.88	$2,800	$2,183	Learn More
NMLS ID: Not a Lender						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

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
18-Kissimmee	807.33	A	View Lobby Hours
39-Four Corners	808.01	B	View Lobby Hours
36-Land O Lakes	813.95	C	View Lobby Hours
33-New Tampa	815.97	D	View Lobby Hours
38-Lutz	816.18	E	View Lobby Hours
08-North Lakeland	818.99	F	View Lobby Hours
09-Haines City	821.27	G	View Lobby Hours
07-Mall	821.65	H	View Lobby Hours
31-VAHS	822.62	I	View Lobby Hours
42-Countryside	823.92	J	View Lobby Hours
20-Auburndale	824.91	K	View Lobby Hours
29-Central Tampa	825.23	L	View Lobby Hours
04-North Winter Haven	826.10	M	View Lobby Hours
27-Crystal Lake	826.69	N	View Lobby Hours
49-Harden	827.05	O	View Lobby Hours
43-Town N Country	827.08	P	View Lobby Hours
10-Hollingsworth	827.72	Q	View Lobby Hours
11-Spirit Lake	828.67	R	View Lobby Hours
44-Plant City	828.98	S	View Lobby Hours
12-South Winter Haven	829.58	T	View Lobby Hours
24-Highland City	830.79	U	View Lobby Hours
34-Central Brandon	831.70	V	View Lobby Hours
32-Largo - Walsingham	834.81	W	View Lobby Hours
06-Bartow	835.43	X	View Lobby Hours
02-Lake Wales	836.41	Y	View Lobby Hours
41-Pinellas Park	837.82	Z	View Lobby Hours

View Branches Nationwide →

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

CDs 60 Month Rates

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