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We're Celebrating a Milestone

Thank you, members, for 70 great years!

Building a Legacy 70-Years Strong

Our MIDFLORIDA family would like to express our deepest appreciation and gratitude to you, our members and the communities in which we serve, for your unwavering support and commitment to our credit union since 1954. Each of you play an integral part of writing our story and building our legacy.

While almost every credit union shares the story of humble beginnings, we are no different. Credit unions started with people pooling their resources together to help one another in times of need.   Thanks to our 11 founding members, we have grown from a basement office in Lakeland’s Junior High School where our first treasurer, Rebecca Keith, worked from a desk and a shoebox, to 62 branches spanning coast to coast.  

All of us here at MIDFLORIDA are proud to be a part of your life story. From helping you finance your homes and cars to making life’s dreams of weddings, vacations, and retirement a reality, we strive to improve everyone’s financial well-being.  We appreciate being involved in  the communities where we have branches and to participate in countless community and charitable events and sponsorships that help make our service areas better places to live and work.  

Rest assured, we appreciate the privilege of being a leader in Florida’s financial services for the past 70 years and to be able to help you with your financial journey. Thank you for making MIDFLORIDA what it is today and what it will become in the future.

$70 for 70 Giveaway Winners

We've awarded $70 to 70 randomly selected members who entered our anniversary giveaway.  Congratulations to the following winners. Winners have been contacted by phone or email. Thank you to all who entered.

Jose M.

Cape Coral, FL

Marketta G. Cape Coral, FL
Maritza S-P Saint Cloud, FL
Keandre W. Oxford, IN
Chad C. Sebring, FL
Frank P. Ocala, FL
Larry M.

Spring Hill, FL

David M. Bowling Green, FL
Christen H. Reddick, FL
Molleetha G. Okeechobee, FL
Andrew P. Plant City, FL
Fernadene G. Stuart, FL
David F. Lakeland, FL
Raymond G. Tampa, FL
James S. Haines City, FL
Michael C. Arcadia, FL
Nancy E. Ocala, FL
Windy C. Avon Park, FL
Michael H. Tampa, FL
Mary D. Largo, FL
Denise G. Spring Hill, FL
Moses J. Dundee, FL
Alberto C. Saint Cloud, FL
Julee K. Summerfield, FL
Marcella K. Vero Beach, FL
Astrid  R I. Kissimmee, FL
Cheryl W. Spring Hill, FL
Rebecca P. Ocala, FL
Gabriela  T S. Avon Park, FL
Eric T H. Summerfield, FL
Shirline R. Winter Haven, FL
Todd B. Davenport, FL
Kamryn P. Ocala, FL
Sherlyn B. Lakeland, FL
Gordon W. Sebring, FL
Bridget F. Lakeland, FL
Jefferson C. Punta Gorda, FL
Cassandra U. Lake Wales, FL
Luis O. Sebring, FL
Ashley C. Vero Beach, FL
Debora R. Arcadia, FL
John C. Clearwater, FL
Joshua R. Temple Terrace, FL
Leanne F. Spring Hill, FL
Jacob B. Winter Haven, FL
Cynthia M. Lake Alfred, FL
Stephanie W. Bartow, FL
Mark B. Tampa, FL
Joel R. Arcadia, FL
Jerri H. Tampa, FL
Andrea A-P. Port St. Lucie, FL
Betina M. Lakeland, FL
Austin J. Gainesville, FL
Cynthia R. Okeechobee, FL
Lucinda L. The Villages, FL
Sarai T. Avon Park, FL
Caurie S. New Port  Richey, FL
Esmeralda D. Winter Haven, FL
Kenneth C. Stuart, FL
Lugenia L. Port Richey, FL
Jazzmyn L. Okeechobee, FL
Sarah L. Davenport, FL
Susan R. Port Richey, FL
Michelle G. Bradenton, FL
Wanda T. Kissimmee, FL
Michael H. Winter Haven, FL
Robert C. Altamonte Springs, FL
Cindy S. Tampa, FL
Susan C. Tampa, FL
Patricia D. Lakeland, FL

This contest is no longer accepting entries.  Official rules:



3.  Odds of winning.  Odds of winning are based upon the number of entries. Based upon an estimate of 1,000 entries during the promotion, odds of winning a prize are 70 in 1,000.

4.  Sponsor.  MIDFLORIDA Credit Union (the "Credit Union") is the sponsor. The Credit Union's address is 129 S. Kentucky Avenue, Lakeland, FL 33801. 

5.   Entry Period:  May 20, 2024 at 9:00 a.m. until May 25, 2024 at 1:00 p.m. EDT.

6.  Eligibility.  To be eligible to win, you must be a natural person at least 18 years of age, have a valid Social Security number, and must be eligible for membership in the credit union.  This promotion is not open to residents of New York or Rhode Island and anywhere the promotion is prohibited by law.  Employees, officers, directors, and representatives of MIDFLORIDA Credit Union and their immediate family (spouse, parents, siblings, children, step-parents, step-siblings, and step-children) and same household members (whether or not related) are not eligible to participate in this promotion.  Fiduciaries, representatives, agents and custodians are not eligible in that capacity, but may be eligible in their own right.  Persons who have caused a loss to the Credit Union or whose accounts are not currently in good standing are not eligible.  The publicity in connection with this promotion and the awarding of the prizes are valuable to the Sponsor; therefore, persons who have been convicted of a felony, arrested for or charged with a felony, are the subject of a current felony investigation, or who have a reputation for immorality or dishonesty which would, in the opinion of the Sponsor, adversely affect the reputation or public image of the Sponsor, are not eligible to win. By entering, you consent to criminal, credit, and background checks and consumer reports to determine eligibility.  Sponsor reserves the right to disqualify any individual who violates these Official Rules or engages in unfair or unsportsmanlike conduct in connection with the promotion.

7.   How to enter.  Participants may enter this promotion by scanning a QR code posted in the lobby of any MIDFLORIDA Credit Union branch location and completing the entry form online.  Alternate entry method: send a self-addressed stamped envelope to: Marketing Department, MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802.  Limit one entry per person.

8.  Determination of Winner.  Winners will be determined by random drawing. Drawing will be conducted at Sponsor’s offices on May 28, 2024 from entries received during the Entry Period.  Winners will be notified by announcement on https://www. years and social media.  At Sponsor’s option, winner may also be notified by communication via the contact information provided by the entrant or on file with the Sponsor.  Winners must comply with these Official Rules or will be disqualified. Winner’s accounts with the Credit Union (if any) must be in good standing. If winner’s accounts are not in good standing, the Sponsor may require the accounts to be brought into good standing prior to awarding the prize.  The Sponsor reserves the right to determine the identity and eligibility of the winners in its sole discretion in accordance with these rules.

9.   Award of Prize.  Winners who have a share or checking account with the Credit Union will automatically receive a deposit to their account within 30 days.  Winners without a share or checking account will receive a check mailed to the address provided by entrant. If a prize is returned for any reason or check is not negotiated after 60 days, the prize will be forfeited and a new winner will be drawn.

10.  You need not be present to win.

11.   Prize.  The prize is $70.00 cash USD. Seventy prizes will be awarded.  Prize cannot be substituted, assigned, or transferred by winner.

12.  Publicity.  The winner may be announced on the Sponsor’s social media pages and other media. If you are selected as a winner, you agree that your first name and city of residence will be published in winner announcements and listed in the Sponsor’s marketing materials, including web page, social media and print ads, without compensation. If you consent to being photographed or provide a photograph, you agree that your likeness, including photographs, may be published in the Sponsor’s marketing materials, including newspaper ads and social media such as Facebook, Twitter and Instagram, without additional compensation or permission, except where prohibited by law.

13.  Taxes.  Winners will be responsible for all applicable taxes, if any.

14.  Consent. Any personal information collected in connection with the promotion will be used by Sponsor solely for the purpose of administering the promotion and will be subject to Sponsor's privacy policy. By participating in this promotion, participant consents in accordance with the Telephone Consumer Protection Act (47 U.S.C. § 227), to the Sponsor contacting the telephone numbers and email addresses provided by the participant, using natural or artificial voice calls, automatically dialed calls, prerecorded messages, text messages and any other electronic media for informational and marketing purposes. This consent is not required as a condition of purchasing any property, goods or services; this consent may be revoked.

15.  Release.  All decisions of the Sponsor in regard to this promotion are final and binding. By entering, participants agree to these Official Rules and release and agree to hold harmless the Sponsor and its directors, officers and employees from all liability in connection with the promotion or any prize won. The Credit Union is not responsible for any loss which may occur in connection with the promotion. By entering the promotion, you agree to hold the Sponsor harmless from any liability arising from participation in the promotion or the acceptance, receipt, possession, or misuse of the prize. The Sponsor and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants or winners arising from, or in connection with, acceptance, receipt, possession, or use or misuse of prizes awarded or participation in this promotion. The Sponsor is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the promotion. All decisions of the Sponsor in regard to this promotion are final and binding.

16.  Binding Arbitration, Class Action Waiver, Jury Waiver.  If you are a member of the Credit Union, the Credit Union’s terms and conditions of your account and privacy policy apply to this promotion and are incorporated herein by reference, including the provisions related to arbitration and waiver of class action and jury trial.  If you are not a member of the Credit Union or if the Credit Union elects instead to proceed under the terms of this paragraph, then this paragraph will apply. You agree to attempt to informally settle any disputes or causes of action arising out of or connected with this promotion or any prizes awarded. If informal attempts do not succeed, you agree that upon the election of either you or the Credit Union any claim or dispute or cause of action arising out of or connected with this promotion will be resolved by BINDING ARBITRATION administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and Mediation Procedures and Supplementary Procedures for Consumer-Related Disputes. As a result, you will GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT for matters within SMALL CLAIMS COURT jurisdiction). You acknowledge that by agreeing to BINDING ARBITRATION you understand and agree to the following terms:

  • Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You understand and agree that YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY.
  •  Arbitration proceedings provide you a FAIR HEARING, but the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT.
  • Arbitration decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT.
  • ARBITRATORS can award the same REMEDIES including DAMAGES that a COURT can award.
  •  The PLACE OF ARBITRATION shall be in the federal district WHERE YOU RESIDE.
  • WE WILL REIMBURSE YOU FOR ANY FILING, ADMINISTRATION, AND ARBITRATOR FEES as imposed by the American Arbitration Association. However, if the arbitrator determines that YOUR CLAIM IS FRIVOLOUS, UNWARRANTED, OR BROUGHT FOR AN IMPROPER PURPOSE (in accordance with the Federal Rules of Civil Procedure Section 11(b)) YOU WILL RETURN TO US ANY FILING, ADMINISTRATION, AND ARBITRATOR FEES WE PAID.
  •  If YOU PREVAIL on the merits of your claim in arbitration, WE WILL PAY YOUR ATTORNEYS' FEES. You will NOT be required to pay OUR ATTORNEYS' FEES IF WE PREVAIL.

FOR MORE DETAILS, check the American Arbitration Association's website,, or call the American Arbitration Association's Customer Service telephone number at (800) 778-7879.

17.  Termination or Suspension.  The Sponsor is not liable for any incorrect or inaccurate transcription of entry information or for any error or malfunction of any kind in connection with the promotion. If the promotion is not capable of running as planned for any reason, including tampering, unauthorized intervention, fraud, technical failures, force majeure, frustration of purpose or any other cause, the Sponsor reserves the right, at its sole discretion and without advance notice, to terminate or suspend the promotion, in whole or in part, or modify it in any way, without any further obligation to eligible persons or entrants.

18.  Void Where Prohibited by Law.  This promotion is subject to all applicable federal, state, and local laws and regulations and is void where prohibited by law.

19.  Choice of Law. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants and the Sponsor in connection with the promotion, shall be governed by, and construed in accordance with, the substantive laws of the State of Florida, USA, without regard to choice of law rules. Venue of any court action shall be Polk County, Florida.

20.  No Affiliation or Endorsement.  This promotion is not endorsed by or affiliated with any other person or entity.