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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Earn More on Your Money
High Yield Checking Account
Grow your money faster with a 5.00% APY up to $10,000 on our High Yield Checking account.1 Plus, enjoy the convenience of check writing and online banking.
Open Online
Open at a Branch 
High Yield Checking
High Yield Checking: The Perfect Blend of Earning Power & Everyday Flexibility
Looking to make your money work harder for you? High Yield Checking offers a competitive 5.00% APY on balances up to $10,000, while still providing the flexibility and convenience of a traditional checking account.1 Enjoy features like check writing, online banking, and mobile banking to manage your everyday finances seamlessly. Compare this account with other checking options.
5.00% APY on $10,000
Earn 5.00% APY on balances up to $10,000 in your high yield checking account.
$1,500 minimum deposit
Open your account with a $1,500 deposit and qualify for a special bonus.
free starter check
Get a free pack of starter checks with your high yield checking account.
Over 1,300 no-fee ATMs
No surcharge when you use a MIDFLORIDA or Publix Presto! ATM.
Everyday Access
Enjoy an instant-issue debit card, easy direct deposit setup, and a pack of starter checks.
Debit card rewards
Earn cash back for yourself or for a local school.
| Account | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $10,000 | 4.889% | 5.00% |
| Balances over $10,000 | 0.00% | 5.00% to 0.00% |
1. Offer and rate valid as of January 1, 2026, and may be canceled or changed without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. Limit 1 account per SSN. Fees may reduce earnings. Rates may change after the account is opened, without notice. Annual Percentage Yield shown is accurate as of January 1, 2026. Minimum to open is $1,500. No minimum balance to earn 5.00% APY on balances up to $10,000. Balances over $10,000 earn 0.00% APY. Contact employees for further information on fees and terms.
Account Perks
High Yield Checking Benefits
We make it easy to enjoy your money when you need it, with some extra rewards along the way.
Free online banking
Online Banking Tools for Smarter Money Management
Our Free Online Banking gives you more than everyday convenience. It helps you stay connected to your high yield checking account so you can track your balance, review transactions, and see your earned dividends anytime. Your dashboard brings everything together in one place, and the built-in budgeting tools give you a clear picture of spending, savings, and growth.
Linked & External Accounts
Manage All Your Accounts in One Place
Easily move money between your accounts with Linked Accounts, even if they’re at other banks. With our External Accounts feature, you can see your full financial picture in one place and quickly shift funds to your high yield checking account when it makes sense for your goals. This helps you keep the right balance in the account that earns more, without jumping between multiple apps or platforms.
Banking at Your Fingertips
Do it all 24/7 with MIDFLORIDA's mobile app.
New Account Offer
Enjoy a $400 Cash Bonus!
Start by opening your new checking account online or at a branch and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
Offer Requirements
How to Earn Your $400 Bonus
Open your new High Yield Checking account with a minimum deposit of $1,500 and complete the steps below within the first 75 days. Once criteria have been met, you'll receive your bonus within 90 days of account opening.
Set Up direct Deposit
Receive a direct deposit of $4,000 or more to your new checking account. Note: cash app transfers don't qualify.
Set Up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
Use Your Debit Card
Pick up a free debit card from any branch (or have one mailed to you) and use it to make 40 purchases. ATM transactions don't qualify.
Other Products & Services
Explore More Banking Options
High Yield Checking helps your money work harder, and you can keep building with tools that support your bigger goals. Explore options that help you save, borrow, and plan with confidence.
High Yield Checking FAQs
Find everything you need to know about our High Yield Checking account below.
Yes, the High Yield Checking account has a monthly fee of $20 that can be avoided by maintaining the following:
- Maintain a daily balance of at least $1,500
- Receive at least $1,000 in direct deposits each month
- Complete 10 or more debit card purchase transactions per month.
**Transactions performed at an ATM will not qualify. Member must also be enrolled in Online Banking.
The minimum opening deposit for a High Yield Checking account is $1,500.
Yes, you must maintain a minimum daily balance of $1,500.
There is no minimum balance required to earn dividends. However, there are certain criteria that must be met in order to avoid the monthly fee.
You can stop by any MIDFLORIDA branch to receive a free pack of starter checks.
Yes, you can open online or visit any MIDFLORIDA branch for help.
1. Offer valid as of January 1, 2026, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. Freedom Banking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new High Yield Checking account with direct deposit ($4,000 cumulative which must post within 75 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 75 days of account opening. To qualify for the $200 incentive, you must open a new High Yield Checking account with direct deposit ($2,000 cumulative which must post within 75 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 75 days of account opening. Direct Deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify. Annual Percentage Yield is 5.00% on balances up to $10,000 and 5.00% to 0.00% on balances of $10,000 or more. Rates may change after account is opened. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open and unrestricted at least 90 days to qualify for the incentive. The incentive will be deposited to the new High Yield Checking account within 90 days of account opening after all qualifications have been met and will be reported to the IRS. Minimum to open High Yield Checking is $1,500.
