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Account Rates

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 8/04/2020

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 8/04/2020

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 0.250% 0.25%
$10,000.00 to $24,999.99 0.250% 0.25%
$25,000.00 to $49,999.99 0.250% 0.25%
$50,000.00 to $249,999.99 0.250% 0.25%
$250,000.00 & over 0.250% 0.25%
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 0.499% 0.50%
$4,000.01 & over 0.010% 0.50% to 0.01%

Business Accounts effective 8/04/2020

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 0.250% 0.25%
$50,000.01 to $250,000.00 0.250% 0.25%
$250,000.01 & over 0.250% 0.25%
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%
Notices & Disclosures
1
Fees may reduce earnings. Rate may change after the account is opened.