MIDFLORIDA Credit Union Review
MIDFLORIDA CU serves Central Florida with checking, savings, home loans, and financial education.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | MIDFLORIDA Free Checking | No monthly fee |
Savings: | MIDFLORIDA Savings | 16.00% APY |
Credit: | MIDFLORIDA Cash Rewards Mastercard | 1% cash back |
Mortgage: | 15-Year Fixed | 3.25% interest rate |
Fee Rating
2.9/5
Lower is better
FDIC Insured
Yes
Certificate: 263179741
Digital Banking
4.2/5
Online & Mobile Experience
Branch Network
6
Physical Locations
Key Features
- High satisfaction; low fees; local focus.
Bank Information
Routing Number
263179741
SWIFT Code
MFDCUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-662-3474
Mon–Fri 8am–5pm ET
Headquarters
Lakeland, FL, USA
Years in Business
70 years (Est. 1955)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
6–12 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
Encryption; auto‑logout
Login Instructions
Enter Member # & password → verify
Login Help
Call customer service: 1-800-662-3474
Hours: Mon–Fri 8am–5pm ET
Products & Services
Accounts & Products
Checking
MIDFLORIDA Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$27.5
ATM Fee
$1.5
Savings
MIDFLORIDA Savings
APY
$16.00%
Annual Earnings
$16.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
MIDFLORIDA Cash Rewards Mastercard
Annual Fee
$0
Cash Back
$1%
APR Range
$14.49% - 24.49%
Network
$Mastercard
Mortgage
15-Year Fixed
Interest Rate
$3.25%
APR
$3.35%
Term
$15 Years
Min Down Payment
$5%
Min Loan Amount
$40,000
Max Loan Amount
$500,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with MIDFLORIDA Credit Union?
Visit their website to explore account options and start your application