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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.
Get StartedMake Savings Merry
at a glance
Holiday Expenses Covered
Regardless of the need—Christmas, big seasonal trip or anything else—this account pays up to 2.00% APY on balances up to $4,000 and includes a built-in stop gap to impede spending. Once the funds are disbursed on November 1, the account automatically renews so you can get a jump on next year.1
| Account | Dividend Rate | APY |
|---|---|---|
| Balances up to $4,000 | 1.982% | 2.00% |
| Balances over $4,000 | 0.010% | 2.00% 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 $4,000 deposit, the APY = 2.00% For a $5,000 deposit, the blended APY = (4000*0.000+1000*0.0001)/4000 = approx.0.00% For a $5,000 deposit, the blended APY = (4000*0.000+3000*0.0001)/5000 = approx. 0.000%.
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Holiday Club FAQs
1. Holiday Club Offer: Valid as of July 1, 2025. Membership
and eligibility requirements apply. Fees may reduce earnings. A $20 minimum
opening deposit is required for this account. A penalty may be assessed for
early withdrawal of funds. Rates may change after the account is opened,
without notice. Annual Percentage Yield (APY) is accurate as of July 1, 2025.
See a MIDFLORIDA Credit Union associate for additional terms and fees.
*Free Checking Offer: 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.
*High Yield Savings Special: Offer and rate valid as of July 1, 2025, and may be
canceled at any time without notice. Membership and eligibility requirements
apply. No institutional funds. Fees may reduce earnings. Minimum to open is
$25,000. Not available for commercial accounts. This is a tiered product. 3.00%
Annual Percentage Yield (APY) currently applies to all tiers regardless of
balance. Rates may change after the account is opened, without notice. APY
shown is accurate as of July 1, 2025. Contact employees for further information
on fees and terms.
*Home Equity Loan: Membership and eligibility requirements apply. Offer valid as of July 1, 2025, and may be canceled without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. Approval subject to application, eligibility, credit and acceptable property (must be your residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). property insurance required. flood insurance when required. online appraisal typically used to determine home value. not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. not all homes will qualify to be mortgaged for more than their original purchase price. other terms and conditions apply. See your loan officer for details. Home Equity Loan payment example: Home Equity Loan payment example: A 15-year fixed rate loan for $50,000 at 80% CLTV at 6.99% and an Annual Percentage Rate (APR) of 7.023% would have a monthly payment of $449.28, which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater. No Closing Costs applies to eligible loan under $400,000 on primary residence on platted lot less than 1/2 acre with a combined loan to value (CLTV) of 75% or less. Does not apply to purchase transactions. Appraisal, survey, title policy and other closing costs at borrower's expense may be required on other loans. Costs subject to recapture within 36 months. Not all homes will qualify to be mortgaged for more than their original purchase price.
