Rates

MIDFLORIDA Account Rates

To better serve our members, MIDFLORIDA periodically reviews our rates to ensure we stay competitive and always offer you the best rates possible. Take a look at the rate and Annual Percentage Yield (APY) for our interest-bearing checking, savings and business accounts below.1

Rates effective 03/24/2025

Personal Checking

Rates apply to the amount within the specified tier. APY depends on the balance in the account.

Personal Checking Accounts

Minimum to open $1,500

Account Dividend Rate APY
$0.01 to $10,000.00 4.889% 5.00%
$10,000.01 & over 0.000% 5.00% to 0.00%

Minimum to open $500

Account Dividend Rate APY
$0.01 to $1,499.99 0.000% 0.00%
$1,500.00 & over 0.010% 0.00% to 0.01%

Minimum to open $1,000

Account Dividend Rate APY
$0.01 to $999.99 0.250% 0.25%
$1,000.00 to $10,000.00 0.250% 0.25% to 0.25%
$10,000.01 & over 0.050% 0.25% to 0.05%

Personal Savings

Rates apply to the amount within the specified tier. APY depends on the balance in the account.

Personal Savings Accounts

Minimum to open $25,000

Account Dividend Rate APY
$0.01 to $24,999.99 2.960% 3.00%
$25,000.00 to $49,999.99 2.960% 3.00% to 3.00%
$50,000.00 to $99,999.99 2.960% 3.00% to 3.00%
$100,000.00 to $249,999.99 2.960% 3.00% to 3.00%
$250,000.00 to $999,999.99 2.960% 3.00% to 3.00%
$1,000,000.00 & over 2.960% 3.00% to 3.00%

Minimum to open $25,000

Account Dividend Rate APY
$0.01 to $9,999.99 0.350% 0.35%
$10,000.00 to $24,999.99 0.350% 0.35% to 0.35%
$25,000.00 to $49,999.99 0.450% 0.35% to 0.40%
$50,000.00 to $249,999.99 0.550% 0.40% to 0.52%
$250,000.00 & over 0.100% 0.52% to 0.10%

Minimum to open $100

Account Dividend Rate APY
$0.01 to $2,000.00 4.889% 5.00%
$2,000.01 and over 0.010% 5.00% to 0.01%

Minimum to open $50

Account Dividend Rate APY
All balances 0.010% 0.01%

Minimum to open $1,000

Account Dividend Rate APY
$0.01 to $999.99 0.010% 0.01%
$1,000.00 & over 0.010% 0.01%

Minimum to open $100

Account Dividend Rate APY
All balances 0.010% 0.01%

Minimum to open $5

Account Dividend Rate APY
$0.01 to $9,999.99 0.010% 0.01%
$10,000.00 to $100,000.00 0.010% 0.01% to 0.01%
$100,000.01 & over 0.010% 0.01% to 0.01%

Minimum to open $5

Account Dividend Rate APY
$0.01 to $5,000.00 0.995% 1.00%
$5,000.01 & over 0.010% 1.00% to 0.01%

Minimum to open $20

Account Dividend Rate APY
$0.01 to $4,000.00 1.982% 2.00%
$4,000.01 & over 0.010% 2.00% to 0.01%

Business Checking

Rates apply to the amount within the specified tier. APY depends on the balance in the account.

Business Checking Accounts

Minimum to open $500

Account Dividend Rate APY
$0.01 to $10,000.00 3.928% 4.00%
$10,000.01 to $25,000.00 0.050% 4.00% to 1.61%
$25,000.01 to $50,000.00 0.050% 1.61% to 0.83%
$50,000.01 to $100,000.00 0.050% 0.83% to 0.44%
$100,000.01 & over 0.050% 0.44% to 0.05%

Business Savings

Rates apply to the amount within the specified tier. APY depends on the balance in the account.

Business Savings Accounts

Minimum to open $10,000

Account Dividend Rate APY
$0.01 to $10,000.00 3.010% 3.05%
$10,000.01 to $100,000.00 3.450% 3.51%
$100,000.01 to $250,000.00 3.930% 4.00%
$250,000.01 to $1,000,000.00 4.170% 4.25%
$1,000,000.01 & over 4.170% 4.25%

Minimum to open $100

Account Dividend Rate APY
All balances 0.010% 0.01%

Minimum to open $50,000

Account Dividend Rate APY
$0.01 to $50,000.00 0.450% 0.45%
$50,000.01 to $250,000.00 0.550% 0.45% to 0.53%
$250,000.01 & over 0.350% 0.53% to 0.35%
1. Fees may reduce earnings. Rate may change after the account is opened.

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