Member Login
- Online Banking
- Premier Treasury Online
*Username
Forgot User ID*Password
Forgot PasswordNot Enrolled Yet?
Set up Online AccessNeed to complete an application?
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.
Get StartedLow Rate No Frills
Our popular Platinum card offers low rates and no annual fee.1 This is the perfect card option if you carry a balance or want an introductory balance transfer offer.
At a Glance
Enjoy a Low Interest Rate
Balance Transfers
No Annual Fee
Card Controls
features
Helpful Account Options
special offer
Save Money with a Balance Transfer Intro Rate
mobile app
Manage Your Money Anytime, Anywhere
Benefits
Do It All With Your MIDFLORIDA Card
personalized support
Expert Guidance Every Step of the Way
Calculator
Estimate Potential Savings
We may be able to save you money when you transfer high-interest credit card balances you have elsewhere to your MIDFLORIDA credit card.
Other Products & Services
Explore More Banking Options
Platinum Mastercard FAQs
The Automatic Billing Updater service will automatically update old card numbers with merchants who keep your card on file, so payments can process without interruption or action from you.
You may opt out of the service to keep your card from automatically updating.
How it works
Terms of Service
Rates, costs and fees for our Platinum Mastercard.
|
Annual Percentage Rate (APR) |
12.99%-18.00% Introductory Rate for the first 12 monthly billing cycles depending on your credit rating and other factors. After that, your APR will be 12.99%-18.00%. Your rate may increase in the 13th month if Prime increased during the Introductory Period. Thereafter, it will vary with the market based on the Prime Rate. |
|---|---|
|
APR for Cash Advances and Balance Transfers |
3.99% Introductory APR for 12 months from the date of account opening. After that, your Standard APR will be 12.99% - 18.00% depending upon your credit rating and other factors. This APR will vary with the market based on the Prime Rate. Use by date: Cash Advance or Balance Transfer must be added to your account within 90 days of the date of account opening for the Introductory APR to apply to the transaction. Cash Advances or Balance Transfers posted after that date will not receive the Introductory APR. Instead the standard APR for your account will apply. The standard APR may be different for Cash Advances and Balance Transfers and will be disclosed to you at the time your account is opened. |
|
Penalty APR and When It Applies |
18.00% This APR may be applied to your account if your account becomes late 60 days or more. However, if your standard rate is 18.00%, the Penalty APR will not apply. How Long Will the Penalty APR Apply? You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on-time payment is made. |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. |
| Minimum Interest Charge | None |
|
For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
| Fees to Open or Maintain Your Account | None |
| TRANSACTION and PENALTY FEES | |
| Balance Transfer | $20.00 or 2% of the amount of each transfer, whichever is greater; 1% with no minimum fee if completed through MIDFLORIDA's online banking. No fee if completed within 30 days of account opening. |
| Cash Advance Fee | $20.00 or 2% of the amount of each cash advance, whichever is greater; 1% with no minimum fee if completed through MIDFLORIDA's online banking. No fee if completed within 30 days of account opening. |
| Foreign Transaction | 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. |
| Late Payment | Up to $25.00 if your payment is late. |
| Over-The-Credit Limit | None |
| Returned Payment | Up to $25.00 if your payment is returned for any reason. |
| Additional Information | Platinum Mastercard Terms and Conditions PDF |
*Guide to Benefits for MIDFLORIDA Mastercard® Cardholders. Benefits described on this page are provided by Mastercard and governed by the official Guide to Benefits. MIDFLORIDA does not administer these benefits and is not responsible for any changes made by Mastercard. For questions or to file a claim, call 1-800-Mastercard (1-800-627-8372) or visit www.mastercard.com.
