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Midflorida Credit Union Rates & Review June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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: June 19, 2026

You can compare Midflorida Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.55%, 6-month share certificate rates at 2.27% and 3-month share certificate rates at 0.20%. Savings rates are at 0.25% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates can be compared to Midflorida Credit Union rates. 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 2.26%. Rates were last updated on 06/19/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.26%
Excellent Lower than avg
Midflorida Credit Union
15 Tower
129 S Kentucky Ave
Lakeland, FL 33801
https://www.midflorida.com
Member NCUA

Current Rate Availability

We do not have Midflorida Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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.

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

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.26%
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

Customer Reviews

Want to discuss Midflorida Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★☆☆☆☆
Total Reviews
1
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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.

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