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Family standing around a dinner table full of prepared holiday foods.

Make holidays merrier with Holiday Club

This higher-rate savings account is the perfect way to save for the holidays and other end-of-year expenses. Now earning 2.0% APY on balances up to $4,000, and 2.0%-.01% APY on balances over $4,0001.


We’ve made a list of what you get, and checked it twice . . .

If holidays or year-end expenses seem to creep up on you every year, a Holiday Club is the perfect way to plan, save and be prepared. This additional savings features an account lock to keep funds safe from other uses until November 1 when your money is available to transfer to another account. Once funds are disbursed, the account automatically renews so you can get a jump on the next year.

No monthly fee
Annual pay out
Earn dividends

Open an Account ​          View Rates

Apply online or visit a branch.

To help make your account grow at just the right pace, consider direct deposit or payroll deduction to encourage you set aside money each month.



All the benefits to make saving easy

  • Earns dividends. 
  • Annual payout in early November
  • Account lock to keep funds safe from other uses
  • Funds are available to transfer to another account
  • Account automatically renews
  • Free Online Banking
  • Free Mobile Banking & Mobile Deposit
  • Free eStatements
  • Insured by NCUA up to $250,000

Details & Fees

No hidden gotchas.

Name Fee
Monthly Maintenance Fee $0
Minimum to Open $20 with a recommended monthly deposit of at least $20.

Must be 16 years of age or older.
Dividends Yes. View current rates.
Minimum to Earn Dividends $.01 – Dividends vary based on account balance.
Access Options No access options available since this account is “locked” to ensure funds are available at year-end. If access is needed, visit a branch or call the Help Desk. A fee may be assessed for early withdrawal. See fee schedule.
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for a fee. See fee schedule.
Overdraft Option Not available

Checking Accounts

Find A Better Checking Account

MIDFLORIDA has a variety of checking accounts to fit anyone's needs. From free checking accounts with no balance requirements to interest-bearing accounts that provide a slew of benefits, we make it easy to view and compare accounts at a glance.
Notices & Disclosures
Holiday Club Offer: Valid as of January 1, 2024. Membership and eligibility requirements apply. Fees may reduce earnings. A $20 minimum opening deposit is required for this account. A penalty may be assessed for early withdrawal of funds. Rates may change after the account is opened, without notice. Annual Percentage Yield (APY) is accurate as of January 1, 2024. See a MIDFLORIDA Credit Union associate for additional terms and fees.