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Get StartedMaking savings a priority can feel like work but when a high-dividend rate is in play, your money carries some of the load by adding interest month over month. Whether you’re saving for something special or just setting up a reserve, you’ll reach your savings goal faster with this account. And best of all, there’s no term requirement or lock on the funds so the cash remains accessible. Available exclusively online.
Account | Dividend Rate | APY |
---|---|---|
Balances up to $2,000 | 4.89% | 5.00% |
Balances over $2,000 | 0.01% | 5.00% to 0.01% |
More about blended rates: Accounts that pay a different dividend rate on the amount of funds in each tier. Each dividend rate applies to the portion of the account balance within each tier and not the entire account balance. This is known as a blended APY. Examples: For a $2,000 deposit, the APY = 5.00% For a $3,000 deposit, the blended APY = (2000*0.0489+1000*0.0001)/3000 = approx. 3.26% For a $5,000 deposit, the blended APY = (2000*0.0489+3000*0.0001)/5000 = approx. 1.96%.
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 Checking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new Free 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 Free 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. No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open at least 75 days to qualify for incentive. After all qualifications have been met, the incentive will be deposited to the new Free Checking account within 75 days of account opening and will be reported to the IRS. Minimum to open Free Checking is $50.