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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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Regular savings
Just Beginning to Save
A simple option to start your savings journey while still having access to your funds.
Open Online View Rates 
At a glance
On the Way to Financial Savviness
Becoming financially sound starts with saving and our Regular Savings account provides an accessible and affordable option. In fact, if you maintain a balance of $50 or more, there's no monthly fee. Plus, if you put a little money aside routinely, your savings will grow exponentially and provide the financial freedom to be prepared when an unexpected expense pops up, or when that "just gotta have that new something" feeling hits.
Not sure this account is right or you? Compare savings accounts to see which one may best suit your needs.
Not sure this account is right or you? Compare savings accounts to see which one may best suit your needs.
Autosave
Set up automatic deposits with Direct Deposit or recurring transfers from another account.
Free Coin Counting
Cash in without all the counting and rolling.
Accessible Assets
Enjoy the perks of gaining interest while being able to access cash anytime you need it.
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.
Smart save
Watch Your Pennies Add Up
Let your checking account and everyday debit card usage help fuel your savings with Smart Save. Sign up for online banking and each debit card transaction is rounded up to the nearest dollar and the difference deposited to your savings account.
Mobile alerts
Manage the Ups and Downs of Saving
Setting up alerts within Online Banking can let you know when your balance is dipping too low or when the balance has crested above the amount you established. It’s just an easy way to keep a pulse on your account as transactions post.
Budget tools
Make Saving More Interactive
It’s easy to start saving but it can be hard to be persistent. Setting a savings goal within Online Banking allows you to track your progress and motivate you to save a little more here and there as you watch the chart change over time.
Other Products & Services
Explore More Banking Options
We offer a range of valuable products and services designed to meet all your financial needs.
Regular Savings FAQs
Our Regular Savings account requires a $50 minimum deposit to open.
To set up direct deposit, enroll in online banking and use our widget to connect directly to your employer's payroll system. Or complete a fillable PDF and give it to your employer. Learn more about direct deposit
To make saving painless and routine, set up recurring transfers from your MIDFLORIDA checking account or from a linked account.
*High Five Savings: Offer valid as of November 1, 2024. Membership and eligibility requirements apply. Fees may reduce earnings. A $100 minimum opening deposit is required for this account. Rates may change after the account is opened, without notice. Annual Percentage Yield (APY) is accurate as of November 1, 2024. See a MIDFLORIDA Credit Union associate for additional terms and fees.
1. Offer valid as of November 1, 2024, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new qualifying checking account with direct deposit ($500 cumulative which must post within 60 days of account opening; cash transfer app deposits do not qualify); accept and open online banking, eStatement, and a debit card; and complete 5 debit card purchase transactions which must post in one calendar month (to be completed within the first 60 days of account opening). A qualifying checking account includes Free Checking, Debit Card Banking, Relationship Checking and Investor Checking. Freedom Banking and High Yield Checking do not qualify. No dividends are paid on Free Checking or Debit Card Banking. Annual Percentage Yield is 0.00% for Free Checking and Debit Card Banking. Annual Percentage Yield for Relationship Checking is 0.00% for balances up to $1,499.99, and 0.01% for balances $1,500.00 and over. Annual Percentage Yield for Investor Checking is 0.25% for balances up to $999.99, 0.25% for balances of $1,000.00 to $10,000.00, and 0.25% to 0.05% for balances $10,000.01 and over. 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 new Free Checking account after the qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50.
