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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.

Overview

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 either transferred to another MIDFLORIDA account or a check is mailed. 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

Add a holiday club to your existing MIDFLORIDA accounts by applying online or visiting 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.


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Features

All the benefits to make saving easy

  • 2.00% APY on balances up to $4,0001
  • Annual payout in early November
  • Account lock to keep funds safe from other uses
  • Funds are transferred to another MIDFLORIDA account or a check is mailed
  • 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. Plus a $5 deposit is required for membership with MIDFLORIDA Credit Union.

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 $2 per month.
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
1
Offer valid as of 11/1/19. Advertised Annual Percentage Yield is available on balances up to $4,000.00 and is available on this product beginning 11/1/19 through 10/31/20. Balances of $4,000.01 or more will earn the standard savings rate. Rates are subject to change without notice. A penalty may be assessed for early withdrawal. Maintenance or activity fees may reduce earnings.