MIDFLORIDA, What a Bank Should Be.

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Visa Platinum

Upgrade your credit card to a MIDFLORIDA Visa Platinum and start saving money today!

Improve Your Purchasing Power

Enjoy limits of $500 to $20,000 with no annual fee, 4.99% introductory APR on balance transfers and cash advances for 36 months* and free travel insurance. Plus, access up-to-date account information day or night with free Online Banking. Start saving money now with a Visa Platinum!

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Snapshot Photo Card

Make a statement with your own personalized photo credit card. Whether you want to show off your kids or show off your skills, it’s a great way to make the card you carry say everything about you. Order your Snapshot Photo Card within Online Banking (click on the credit card account link and then click DYOC/Snapshot from the right hand navigation).

Payment Protection Insurance

Safeguard your family from financial burden with Payment Protection Insurance – an optional plan that offers relief from your monthly payments should death or disability strike. Depending on the plan you choose, you could have your credit card payments reduced or the balance paid off. It’s a convenient and practical way to help protect you and your family from the unexpected.


Terms of Service

Annual Percentage Rate (APR) for Purchases 9.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances and Balance Transfers 4.99% introductory APR for 36 months* from the date of account opening. After that, your Standard APR will be 9.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.sup3

Use by date
Balance Transfer must be added to your account within 12 months of the date of account opening for the Introductory APR to apply to the transaction. Balance transfers posted after that date will not receive the Introductory APR. Instead the standard APR for your account will apply. The standard APR may be different for Cash Advances and Balance Transfers and will be disclosed to you at the time your account is opened.
Penalty APR and When it Applies 17.99% This APR may be applied to your account if you make a payment that is late 60 days or more. However, if your standard rate is 18%, the Penalty APR will not apply.

How Long Will the Penalty APR Apply?
You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on time payment is made.
Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
Fees to Open or Maintain Your Account None
Transaction Fees
Balance Transfer $20.00 or 2% of the amount of each transfer, whichever is greater.
Cash Advance $20.00 or 2% of the amount of each cash advance, whichever is greater.
Foreign Transaction 0.8% of each transaction in U.S. dollars if the transaction involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.
Penalty Fees
Late Payment Up to $25.00 if your payment is late.
Over-the-Credit Limit None
Returned Payment Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Loss of Introductory Rate: The Introductory Rate will be cancelled and the Penalty APR disclosed above will apply if you become 60 days or more past due.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of the month.
Overdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 9.99% – 18.00%
depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue
interest at the same rates.
Snapshot Photo Card Fee: First card free for each user. $5.99 per individual card thereafter.


Please see the disclosure that is given to you. The information is accurate as of March 1, 2015 and is subject to change after this date. Please contact us at Card Services Department, P.O. box 8008, Lakeland, FL, 33802 for any changes in this information.

Credit Card Disclosure Request
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.

*Promotion valid through 12/31/15. Membership and credit approval required. Promotion cannot be combined with any other offer. After 36 months, the applicable rate may be 9.99% to 18.00% Annual Percentage Rate (APR) depending on creditworthiness. Transfers of amounts already owed to MIDFLORIDA are not eligible for the introductory rate. New accounts: Introductory Annual Percentage Rate (APR) valid for 36 months from account opening. Existing accounts: Promotional APR valid for 36 months following the first balance transfer or cash advance after March 1, 2015.

To report a lost or stolen Credit Card, please call 877-602-9023 available 24 hours a day, 7 days a week.

New Account Holder Terms and Conditions