|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Midflorida Credit Union Rates & Review September 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 and Verified: September 14, 2026
Midflorida Credit Union's 36 Month CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 14 Month CD rates are at 3.75%, 8 Month CD rates are at 3.75%, IRA CD - 60 Month rates are at 3.00%. 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 Personal Loan Rates are as low as 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 2.43%. Rates last updated and verified on 09/14/2026. 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 Home Equity & HELOC
Midflorida Credit Union Auto Loan Rates
Midflorida Credit Union RV, Boat and Powersport Loan Rates
Midflorida Credit Union Personal Loan Rates
Midflorida Credit Union Other Rates
Financial Health HistoryMidflorida Credit Union’s Texas Ratio rose from 1.42% in Q2 2023 to 2.43% in Q1 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Nick Sudzina
CEO
Steve Moseley
Full-Time Employees
1,358
Part-Time Employees
241
Branch Locations
69
ATM Locations
90
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
2.43%
Return on Assets (ROA)
0.3096%
Return on Equity (ROE)
2.9954%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
9,816,852,241
Total Amount of Shares and Deposits
8,666,281,651
Total Shares and Deposits < 1 Year
7,953,172,710
Total Shares and Deposits 1 3 Years
541,407,184
Total Shares and Deposits > 3 Years
171,701,756
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
992,860,345
Total Uninsured Shares and Deposits > $250K (F+J)
1,235,400,573
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,430,881,078
Total Interest Expense (Sum of items 6 8)
38,951,754
Share Certificates
29,252
Number of Accounts for Share Drafts
374,093
IRA KEOGH Accounts
7,724
Number of Accounts for Regular Shares
834,460
All other shares
82,057
Non Member Deposits
14,676
Money Market Shares
5,585
Net Income (unless the amount is already included in Undivided Earnings)
30,389,324
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)
577,828,117
Total Liabilities
8,808,811,824
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsAaron
October 12, 2025
MidFlorida is terrible. Take your money and run.
Want to discuss Midflorida Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for Midflorida Credit Union
Frequently Asked Questions About Midflorida Credit UnionHow 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.
Compare to Other Credit Unions
Berean Credit Union
WeDevelopment Federal Credit Union
Latvian Federal Credit Union
Blue Mountain Credit Union
Upper Darby Bell Telco Federal Credit Union
Hotel And Travel Industry Federal Credit Union
United Churches Credit Union
Pompano Beach City Employee Credit Union
Complex Community Federal Credit Union
Premier Credit Union
IRCO Community Federal Credit Union
FAIRLEIGH DICKINSON UNIVERSITY
Ellis Credit Union
Texas Trust Credit Union
R-G Federal Credit Union
Atlantic City Federal Credit Union
Mclennan County Employees Federal Credit Union
US Community Credit Union
Service Federal Credit Union
Midwest Members Credit Union
JCT Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking