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Earn More on Your Money with High Yield Checking

Grow your money faster with a 5.00% APY up to $10,000. Plus, enjoy the convenience of check writing and online banking.1
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Overview

The Perfect Blend: 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.

Earn above-market rate
More access options than a savings account
FREE starter checks

Account Rates

Tier Rate APY
Balances up to $10,000 4.889% 5.00%
Balances over $10,000 0.000% 5.00% to 0.00%

Become a MIDFLORIDA Credit Union member and open an High Yield Checking account by visiting a branch.

Get Started Today!

Features

Maximize Your Savings and Simplify Your Life

  • Get Paid Early: Access your paycheck up to 2 days sooner with direct deposit.
  • Manage on the Go: Conveniently manage your finances with Mobile Banking and Online Banking.
  • Pay-a-Person: Send and receive money securely to friends and family using email or phone numbers.
  • Rewarding Debit Card: Earn rewards on everyday purchases with your debit card.
  • Mobile Wallet Ready: Pay conveniently and securely with Google Pay, Apple Pay, and Samsung Pay.
  • Free ATM Transactions: Access cash without fees at any MIDFLORIDA or Publix Presto! ATM.
  • Text & Phone Banking: Manage your account on the go with text banking or access customer service through phone banking.

DETAILS & FEES

Know Before You Grow

Name Fee
Monthly Maintenance Fee2 $20 or $0 when the following criteria are met each month:
- Keep a daily balance of $1,500 or more
- Direct deposit of $1,000 cumulative
- 10 debit card purchase transactions (ATM transactions don't apply)
- Must be enrolled in Online Banking
Minimum to Open $1,500
Minimum Account Balance $0
ATM Transactions Free: Enjoy unlimited fee-free withdrawals at all MIDFLORIDA and Publix Presto! ATMs.
Debit Card Transaction Fee $0
Bill Pay Free
Check Advance Available up to $1,000 limit.
Checks Available (fee applies) - Free Starter Pack upon request
Cashier’s Checks $5 per cashier's check
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for a fee. See fee schedule.
Dividends Yes. View rates
Safe Deposit Box Rental Available for rent.

Add-On Checking Services

Convenient Banking Options
Notices & Disclosures
1
Offer and rate valid as of July 15, 2024, 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 July 15, 2024. 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.
2
Standard fees such as Non-Sufficient Funds do apply, but are much lower than many banks. Please view our full  fee schedule. Fees subject to change.