Credit union · NCUA insured
MIDFLORIDA Credit Union
A $9.8B credit union, the 27th largest of 4,329, headquartered in Lakeland, FL, with 493,840 members and 67 branches in Florida. Best rates: CDs 4.00% and savings 0.01% APY.
MIDFLORIDA Credit Union Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#9 of 15 in Lakeland, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MIDFLORIDA Credit Union
MIDFLORIDA Credit Union is a member-owned credit union founded in 1954 as Polk County Teachers Credit Union.
Headquartered in Lakeland, Florida, the credit union operates more than 60 branches across Florida from Tampa Bay to the Treasure Coast, Gainesville, and Naples.
- Headquarters
- 129 S Kentucky Ave, Lakeland, FL 33801
- NCUA charter
- 68600
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in any of MIDFLORIDA's 59 counties is eligible to join.
Branches
67 branches in Florida
Loading map…
Florida
67 branches
Lakeland area · 17
- 15-TowerMain office129 S Kentucky Ave, Lakeland, FL 33801Directions
- 20-Auburndale2146 US Highway 92 W, Auburndale, FL 33823Directions
- 06-Bartow105 E Van Fleet Dr, Bartow, FL 33830Directions
- 39-Davenport300 Ambersweet Way, Davenport, FL 33897Directions
- 09-Haines City35849 US Hwy 27 N, Haines City, FL 33844Directions
- 02-Lake Wales237 State Road 60 W, Lake Wales, FL 33853Directions
- 05-South Lakeland6040 S Florida Ave, Lakeland, FL 33813Directions
- 07-Mall1090 Wedgewood Estates Blvd, Lakeland, FL 33809Directions
- 08-North Lakeland7301 US Highway 98 N, Lakeland, FL 33809Directions
- 10-Hollingsworth3008 S Florida Ave, Lakeland, FL 33803Directions
- 2238 - Lakeland - Midtown3340 S Florida Ave, Lakeland, FL 33803Directions
- 24-Highland City5301 US Highway 98 S, Lakeland, FL 33812Directions
- 27-Crystal Lake1817 Crystal Lake Dr, Lakeland, FL 33801Directions
- 49-Harden2100 Harden Blvd, Lakeland, FL 33803Directions
- 04-North Winter Haven2075 8th St NW, Winter Haven, FL 33881Directions
- 11-Spirit Lake3025 State Road 540 W, Winter Haven, FL 33880Directions
- 12-South Winter Haven5540 Cypress Gardens Blvd, Winter Haven, FL 33884Directions
Tampa area · 16
- 34-Central Brandon825 W Brandon Blvd, Brandon, FL 33511Directions
- 40-Gulf to Bay2400 Gulf to Bay Blvd, Clearwater, FL 33765Directions
- 2231 - Dunedin1201 Belcher Rd, Dunedin, FL 34698Directions
- 2225 - East Bay Largo2400 E Bay Dr, Largo, FL 33771Directions
- 32-Largo - Walsingham13075 Walsingham Rd, Largo, FL 33774Directions
- 36-Land O' Lakes23551 State Road 54, Lutz, FL 33559Directions
- 19-Trinity7401 State Road 54, New Port Richey, FL 34653Directions
- 41-Pinellas Park4300 Park Blvd N, Pinellas Park, FL 33781Directions
- 44-Plant City2903 James L Redman Pkwy, Plant City, FL 33566Directions
- 2204 - Spring Hill11098 Spring Hill Dr, Spring Hill, FL 34608Directions
- 26-4TH Street St Pete2646 4th St N, St. Petersburg, FL 33704Directions
- 2205 - South Tampa1112 S Dale Mabry Hwy, Tampa, FL 33629Directions
- 2207 - Carrollwood13101 N Dale Mabry Hwy, Tampa, FL 33618Directions
- 2224 - Temple Terrace5002 E Fowler Ave, Tampa, FL 33617Directions
- 29-Central Tampa3202 W Waters Ave, Tampa, FL 33614Directions
- 33-New Tampa20401 Bruce B Downs Blvd, Tampa, FL 33647Directions
Ocala area · 6
- 2220 - Belleview Office10131 SE US Highway 441, Belleview, FL 34420Directions
- 2209 - Ocala - Main Office1603 SW 19th Ave, Ocala, FL 34471Directions
- 2213 - Ocala - Golden Hills Office6850 N US Highway 27, Ocala, FL 34482Directions
- 2214 - Ocala - East Office1520 E Silver Springs Blvd, Ocala, FL 34470Directions
- 2215 - Ocala - North Office7139 N US Highway 441, Ocala, FL 34475Directions
- 2216 - Ocala - Heath Brook Office5450 SW College Rd, Ocala, FL 34474Directions
Orlando area · 5
- 2201-Longwood1199 Spring Centre South Blvd, Altamonte Springs, FL 32714Directions
- 18-Kissimmee1001 Buenaventura Blvd, Kissimmee, FL 34743Directions
- 2198-Waterford Lakes11411 Lake Underhill Rd, Orlando, FL 32825Directions
- 2200-Sandlake5600 W Sand Lake Rd, Orlando, FL 32819Directions
- 2232-Orlando South Downtown2703 S Orange Ave, Orlando, FL 32806Directions
Sebring area · 4
- 28-Avon Park930 US Highway 27 S, Avon Park, FL 33825Directions
- 25-Lake Placid611 E Interlake Blvd, Lake Placid, FL 33852Directions
- 03-North Sebring6105 US Highway 27 N, Sebring, FL 33870Directions
- 14-South Sebring3863 US Highway 27 S, Sebring, FL 33870Directions
Port St. Lucie area · 4
- 2203 - Port St. Lucie West771 NW Saint Lucie West Blvd, Port St. Lucie, FL 34986Directions
- 2206 - Gatlin Blvd1692 SW Gatlin Blvd, Port St. Lucie, FL 34953Directions
- 48-St Lucie8351 S US Highway 1, Port St. Lucie, FL 34952Directions
- 2208 - Stuart2370 S Kanner Hwy, Stuart, FL 34994Directions
North Port area · 3
- 2226 - Bradenton - Cortez1320 Cortez Rd W, Bradenton, FL 34207Directions
- 2228 - Bradenton - Manatee5905 Manatee Ave W, Bradenton, FL 34209Directions
- 2230 - Sarasota544 S Washington Blvd, Sarasota, FL 34236Directions
Tallahassee area · 3
- 2237 - Crawfordville2201 Crawfordville Hwy, Crawfordville, FL 32327Directions
- 2235 - Tallahassee - Main Office1471 Timberlane Rd, Tallahassee, FL 32312Directions
- 2236 - Tallahassee - Capital Circle1897 Capital Cir NE, Tallahassee, FL 32308Directions
Wildwood area · 2
- 2222 - Villages - Oxford2285 Parr Dr, The Villages, FL 32162Directions
- 2223 - Villages - Wildwood2535 Burnsed Blvd, The Villages, FL 32163Directions
Arcadia area · 1
- 21-Arcadia128 S Brevard Ave, Arcadia, FL 34266Directions
Cape Coral area · 1
- 2210 - Cape Coral - Parkway804 Cape Coral Pkwy E, Cape Coral, FL 33904Directions
Gainesville area · 1
- 2217 - Gainesville - Oaks Office6120 NW 1st Pl, Gainesville, FL 32607Directions
Naples area · 1
- 2211 - Naples - Pine Ridge3360 Pine Ridge Rd, Naples, FL 34109Directions
Okeechobee area · 1
- 16-Okeechobee3261 US Highway 441 S, Okeechobee, FL 34974Directions
Sebastian area · 1
- 46-Vero2800 20th St, Vero Beach, FL 32960Directions
Wauchula area · 1
- 17-Wauchula1490 US Highway 17 N, Wauchula, FL 33873Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.69% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.34% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio10.69%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MIDFLORIDA Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.