To better serve our members, MIDFLORIDA periodically reviews our rates to ensure we stay competitive and always offer you the best rates possible. Take a look at the rate and Annual Percentage Yield (APY) for our interest-bearing checking, savings and business accounts below.1
Personal Checking Accounts effective 2/04/2023
Rates apply to the amount within the specified tier. APY depends on the balance in the account. Go to the Personal Checking section to view account details.
| Account |
Dividend Rate |
APY* |
Relationship Checking
Minimum to open $500 |
| $0.01 to $1,499.99 |
0.000% |
0.00% |
| $1,500.00 & over |
0.010% |
0.00% to 0.01% |
Investor Checking
Minimum to open $1,000 |
| $0.01 to $999.99 |
0.250% |
0.25% |
| $1,000.00 to $10,000.00 |
0.250% |
0.25% |
| $10,000.01 & over |
0.050% |
0.25% to 0.05% |
Personal Savings Accounts effective 2/04/2023
Rates apply to the amount within the specified tier. APY depends on the balance in the account. Go to the Personal Savings section to view account details.
| Account |
Dividend Rate |
APY* |
Extreme Yield
Minimum to open $25,000 |
| $0.01 to $9,999.99 |
0.350% |
0.35% |
| $10,000.00 to $24,999.99 |
0.350% |
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% |
Relationship Savings
Minimum to open $5 |
| $0.01 to $9,999.99 |
0.010% |
0.01% |
| $10,000.00 to $100,000.00 |
0.010% |
0.01% |
| $100,000.01 & over |
0.010% |
0.01% |
Money Market
Minimum to open $1,000 |
| $0.01 to $999.99 |
0.010% |
0.01% |
| $1,000.00 & over |
0.010% |
0.01% |
IRA Savings
Minimum to open $100 |
| All balances |
0.010% |
0.01% |
Regular Savings
Minimum to open $5 |
| All balances |
0.010% |
0.01% |
Youth Savings
Minimum to open $5 |
| $0.01 to $5,000.00 |
0.995% |
1.00% |
| $5,000.01 & over |
0.010% |
1.00% to 0.01% |
Holiday Club
Minimum to open $20 |
| $0.01 to $4,000.00 |
1.982% |
2.00% |
| $4,000.01 & over |
0.010% |
2.00% to 0.01% |
Business Accounts effective 2/04/2023
Rates apply to the amount within the specified tier. APY depends on the balance in the account. Go to the Business Banking section to view account details.
| Account |
Dividend Rate |
APY* |
Business Checking with Interest
Minimum to open $500 |
| $0.01 to $100,000.00 |
0.050% |
0.05% |
| $100,000.01 to $1,000,000.00 |
0.050% |
0.05% |
| $1,000,000.01 & over |
0.050% |
0.05% |
Extreme Business Savings
Minimum to open $50,000 |
| $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% |
Business Money Market
Minimum to open $1,000 |
| $0.01 to $999.99 |
0.010% |
0.01% |
| $1,000.00 & over |
0.010% |
0.01% |
Business Savings
Minimum to open $100 |
| All balances |
0.010% |
0.01% |