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Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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High Yield Checking
Earn more on your money
Grow your money faster with a 5.00% APY up to $10,000 on our High Yield Checking account.1 Plus, enjoy the convenience of check writing and online banking.
Open Online Open at a Branch 
At a Glance
The Perfect Blend: Earning Power and 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. Compare this account with other checking options.
Earn a higher rate
With 5.00% APY on balances up to $10,000 in checking, who needs a savings account?
More access than savings
Get a free instant-issue debit card and a pack of starter checks with your new account.
Debit card rewards
Earn cash back for yourself or for a local school.
| Account Balance | Rate | APY1 |
|---|---|---|
| Balances up to $10,000 | 4.889% | 5.00% |
| Balances over $10,000 | 0.00% | 5.00% to 0.00% |
1. Offer and rate valid as of November 1, 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 November 1, 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.
Account benefits
Perks with Your Account
We make it easy to enjoy your money when you need it, with some extra rewards along the way.
Free online banking
Your Financial Hub for Smarter Money Management
Our Free Online Banking offers more than just convenience—it gives you powerful tools to manage your finances. Keep up with your finances in one place with a single-view dashboard and take advantage of budgeting tools to get a clear overview of spending and savings goals. It's all about making your financial life easier and more organized.
Linked & External Accounts
Manage All Your Accounts in One Place
Easily move money between your accounts with Linked Accounts, even if they're at other banks. In addition, our External Accounts feature lets you see all your financial accounts in one place, giving you a complete overview of your finances without the hassle of switching between platforms.
Mobile app
Banking at Your Fingertips
Do it all 24/7 with MIDFLORIDA's mobile app.
Other Products & Services
Explore More Banking Options
We offer a range of valuable products and services designed to meet all your financial needs.
High Yield Checking FAQs
Find everything you need to know about our High Yield Checking account below.
Yes, the High Yield Checking account has a monthly fee of $20 that can be avoided by maintaining the following: a daily balance of at least $1,500, has at least $1,000 in direct deposits per month, and has 10 or more debit card purchase transactions per month. Transactions performed at an ATM will not qualify. Member must also be enrolled in Online Banking.
The minimum opening deposit for a High Yield Checking account is $1,500.
There is no minimum balance required to earn dividends. However, there are certain criteria that must be met in order to avoid the monthly fee.
You can stop by any MIDFLORIDA branch to receive a free pack of starter checks.
