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Join MIDFLORIDA Today!
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 | Dividend 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 July 1, 2025, 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 1, 2025. 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.
New Account Offer
Enjoy a $400 Cash Bonus!
Start by opening your new checking account online or at a branch and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
Offer Requirements
How to Earn Your $400 Bonus
Open your new High Yield Checking account with a minimum deposit of $1,500 and complete the steps below within the first 60 days. Once criteria have been met, you'll receive your bonus within 75 days of account opening.
Set Up direct Deposit
Receive a direct deposit of $4,000 or more to your new checking account. Note: cash app transfers don't qualify.
Set Up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
Use Your Debit Card
Pick up a free debit card from any branch (or have one mailed to you) and use it to make 40 purchases. ATM transactions don't qualify.
Other Products & Services
Other Business 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.
Yes, the High Yield Checking account has a minimum daily balance requirement of $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.
1. Offer valid as of July 1, 2025, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. Freedom Banking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new High Yield Checking account with direct deposit ($4,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 60 days of account opening. To qualify for the $200 incentive, you must open a new High Yield Checking account with direct deposit ($2,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 60 days of account opening. Direct Deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify. Annual Percentage Yield is 5.00% on balances up to $10,000 and 0.00% on balances of $10,000 or more. Rates may change after account is opened. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. The incentive will be deposited to the new High Yield Checking account within 75 days of account opening after all qualifications have been met and will be reported to the IRS. Minimum to open High Yield Checking is $1,500.
