Credit union · NCUA insured
MIDFLORIDA Credit Union CD Rates
MIDFLORIDA Credit Union’s best CD rate is 4.00% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How MIDFLORIDA Credit Union’s CD rates compare
Compared with banks and credit unions near Lakeland, FL, where MIDFLORIDA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MIDFLORIDA Credit Union
4.00%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,249
Certificate Specials
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
MIDFLORIDA Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MIDFLORIDA Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.00%APY · 4 terms
Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsInitial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal | 3.75% | $248 |
| 14 monthsInitial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal | 3.75% | $439 |
| 36 monthsInitial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal | 4.00% | $1,249 |
| 60 monthsInitial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal | 4.00% | $2,167 |
Sources (2)
All captured Oct 15, 2026
Regular Certificates
Up to 3.00%APY · 8 terms
Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.25% | $31 |
| 6 months | 1.50% | $75 |
| 12 months | 1.75% | $175 |
| 18 months | 2.00% | $301 |
| 24 months | 2.25% | $455 |
| 36 months | 2.50% | $769 |
| 48 months | 2.75% | $1,146 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- midflorida.com/rates/certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.00%APY · 8 terms
Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.25% | $31 |
| 6 months | 1.50% | $75 |
| 12 months | 1.75% | $175 |
| 18 months | 2.00% | $301 |
| 24 months | 2.25% | $455 |
| 36 months | 2.50% | $769 |
| 48 months | 2.75% | $1,146 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Who can join MIDFLORIDA Credit Union
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.
Membership information collected October 5, 2026.