Checking Account Offer: Valid as of June 1, 2023 and may be canceled at any time. Eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($500 cumulative which must post within 45 days of account opening), as well as accept and open online banking, online bill payment, eStatement, eNotice, and a debit card. No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the incentive. The incentive will be deposited to new Free Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Free Checking is $50.

High Yield Savings: Offer and rate valid as of June 1, 2023, and may be canceled at any time without notice. Membership and eligibility requirements apply. No institutional funds. Fees may reduce earnings. Minimum to open is $25,000. Not available for commercial accounts. This is a tiered product. 3.00% Annual Percentage Yield (APY) currently applies to all tiers regardless of balance. Rates may change after the account is opened, without notice. APY shown is accurate as of June 1, 2023. Contact employees for further information on fees and terms.

Home Equity Offer: Valid as of August 1, 2023, and may be canceled without notice. Membership and eligibility requirements apply. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details. For home equity line of credit: The variable Annual Percentage Rate (APR) may be 8.50% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (8.50% as of 8/1/2023) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100. Bridge loans have origination fee of $500 or 0.5% of loan amount, whichever is greater. “No Closing Costs” applies to eligible loan up to and including $500,000 on primary residence on platted lot less than ½ acre with a combined loan to value (CLTV) of 75% or less. Does not apply to purchase transactions. Appraisal, survey, title policy and other closing costs at borrower’s expense may be required on other loans. Costs subject to recapture within 36 months.

Certificate of Deposit: New money only. Offer and rate valid as of September 1, 2023, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. Minimum to open $10,000. The initial deposit cannot exceed $5 million per member or $10 million per address. 5.55% APY (Annual Percentage Yield) is based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

Personal Loan Offer: valid as of June 1, 2023 and may be cancelled at any time without notice. Credit and eligibility requirements apply. Payment example: a 72-month fixed-rate loan for $20,000 at 9.99% and an Annual Percentage Rate (APR) of 10.217% would have a monthly payment of $370.38, which includes principal and interest.