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Get StartedMIDFLORIDA Account Rates
Rates effective 01/03/2026
Personal Checking
Rates apply to the amount within the specified tier. Annual Percentage Yield (APY) depends on the balance in the account.
Personal Checking AccountsMinimum to open $1,500
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $10,000.00 | 4.889% | 5.00% |
| $10,000.01 & over | 0.000% | 5.00% to 0.00% |
Minimum to open $500
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $1,499.99 | 0.000% | 0.00% |
| $1,500.00 & over | 0.010% | 0.00% to 0.01% |
Minimum to open $1,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $999.99 | 0.250% | 0.25% |
| $1,000.00 to $10,000.00 | 0.250% | 0.25% to 0.25% |
| $10,000.01 & over | 0.050% | 0.25% to 0.05% |
Personal Savings
Rates apply to the amount within the specified tier. Annual Percentage Yield (APY) depends on the balance in the account.
Personal Savings AccountsMinimum to open $25,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $24,999.99 | 2.960% | 3.00% |
| $25,000.00 to $49,999.99 | 2.960% | 3.00% to 3.00% |
| $50,000.00 to $99,999.99 | 2.960% | 3.00% to 3.00% |
| $100,000.00 to $249,999.99 | 2.960% | 3.00% to 3.00% |
| $250,000.00 to $999,999.99 | 2.960% | 3.00% to 3.00% |
| $1,000,000.00 & over | 2.960% | 3.00% to 3.00% |
Minimum to open $25,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $9,999.99 | 0.350% | 0.35% |
| $10,000.00 to $24,999.99 | 0.350% | 0.35% to 0.35% |
| $25,000.00 to $49,999.99 | 0.450% | 0.35% to 0.40% |
| $50,000.00 to $249,999.99 | 0.550% | 0.40% to 0.52% |
| $250,000.00 & over | 0.100% | 0.52% to 0.10% |
Minimum to open $100
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $2,000.00 | 4.889% | 5.00% |
| $2,000.01 and over | 0.010% | 5.00% to 0.01% |
Minimum to open $50
| Account | Dividend Rate | APY |
|---|---|---|
| All balances | 0.010% | 0.01% |
Minimum to open $1,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $999.99 | 0.010% | 0.01% |
| $1,000.00 & over | 0.010% | 0.01% |
Minimum to open $100
| Account | Dividend Rate | APY |
|---|---|---|
| All balances | 0.010% | 0.01% |
Minimum to open $5
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $9,999.99 | 0.010% | 0.01% |
| $10,000.00 to $100,000.00 | 0.010% | 0.01% to 0.01% |
| $100,000.01 & over | 0.010% | 0.01% to 0.01% |
Minimum to open $5
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $5,000.00 | 0.995% | 1.00% |
| $5,000.01 & over | 0.010% | 1.00% to 0.01% |
Minimum to open $20
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $4,000.00 | 1.982% | 2.00% |
| $4,000.01 & over | 0.010% | 2.00% to 0.01% |
Business Checking
Rates apply to the amount within the specified tier. Annual Percentage Yield (APY) depends on the balance in the account.
Business Checking AccountsMinimum to open $500
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $10,000.00 | 3.687% | 3.75% |
| $10,000.01 to $25,000.00 | 0.050% | 3.75% to 1.52% |
| $25,000.01 to $50,000.00 | 0.050% | 1.52% to 0.78% |
| $50,000.01 to $100,000.00 | 0.050% | 0.78% to 0.41% |
| $100,000.01 & over | 0.050% | 0.41% to 0.05% |
Business Savings
Rates apply to the amount within the specified tier. Annual Percentage Yield (APY) depends on the balance in the account.
Business Savings AccountsMinimum to open $10,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $10,000.00 | 2.472% | 2.50% |
| $10,000.01 to $100,000.00 | 2.716% | 2.75% |
| $100,000.01 to $250,000.00 | 3.008% | 3.05% |
| $250,000.01 to $1,000,000.00 | 3.203% | 3.25% |
| $1,000,000.01 & over | 3.445% | 3.50% |
Minimum to open $100
| Account | Dividend Rate | APY |
|---|---|---|
| All balances | 0.010% | 0.01% |
Minimum to open $50,000
| Account | Dividend Rate | APY |
|---|---|---|
| $0.01 to $50,000.00 | 0.450% | 0.45% |
| $50,000.01 to $250,000.00 | 0.550% | 0.45% to 0.53% |
| $250,000.01 & over | 0.350% | 0.53% to 0.35% |
