MIDFLORIDA Credit Union High-Yield Savings & Money Market Rates

How MIDFLORIDA Credit Union’s savings 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
0.01%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$1
Money Market
Top rate
Suncoast Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$300
Suncoast Credit Union rates
2nd-highest rate
PenFed Credit Union
2.70%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$270
PenFed Credit Union rates

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Savings score

Higher than 14% of U.S. banks and credit unions

By balance

$1,000 balance$1,0005.00%
$10,000 balance$10,0000.01%
$100,000 balance$100,0003.00%
QualifiedQualified0.01%

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.

How the score works →

Where MIDFLORIDA Credit Union ranks

By savings score, in each area where it has branches

And 10 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High Five Savings

0.01%APY$100 to open

Available exclusively online. Limit one account per primary member. Pays blended APY across tiers. $10 monthly fee waived with a $100 average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Blended rate structure. Monthly fee of $10 waived with a $100 average daily balance.	5.00%	—	Blended rate structure. Monthly fee of $10 waived with a $100 average daily balance.
Over $2,000Blended APY ranges from 5.00% to 0.01% on balances over $2,000. Monthly fee of $10 waived with a $100 average daily balance.	0.01%	$1	Blended APY ranges from 5.00% to 0.01% on balances over $2,000. Monthly fee of $10 waived with a $100 average daily balance.

Sources (4)

All captured Oct 5, 2026

High Yield Savings

3.00%APY$25,000 to open

No institutional funds; not available for commercial accounts. Tiered product. Monthly fee of $30 is waived with an average daily balance of $25,000.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Monthly fee of $30 waived with an average daily balance of $25,000.	3.00%	$300	Monthly fee of $30 waived with an average daily balance of $25,000.
$25,000 – $50,000Monthly fee of $30 waived with an average daily balance of $25,000.	3.00%	—	Monthly fee of $30 waived with an average daily balance of $25,000.
$50,000 – $100,000Monthly fee of $30 waived with an average daily balance of $25,000.	3.00%	—	Monthly fee of $30 waived with an average daily balance of $25,000.
$100,000 – $250,000Monthly fee of $30 waived with an average daily balance of $25,000.	3.00%	—	Monthly fee of $30 waived with an average daily balance of $25,000.
$250,000 – $1,000,000Monthly fee of $30 waived with an average daily balance of $25,000.	3.00%	—	Monthly fee of $30 waived with an average daily balance of $25,000.
$1,000,000 and upMonthly fee of $30 waived with an average daily balance of $25,000.	3.00%	—	Monthly fee of $30 waived with an average daily balance of $25,000.

Sources (3)

All captured Oct 5, 2026

Extreme Yield Savings

0.35%APY$25,000 to open

Tiered savings product. Not valid for the transfer of any deposits held with MIDFLORIDA. Monthly fee of $10 is waived by maintaining an average daily balance of $10,000.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Monthly fee of $10 waived with a $10,000 average daily balance.	0.35%	—	Monthly fee of $10 waived with a $10,000 average daily balance.
$10,000 – $25,000Monthly fee of $10 waived with a $10,000 average daily balance.	0.35%	$35	Monthly fee of $10 waived with a $10,000 average daily balance.
$25,000 – $50,000APY range is 0.35% to 0.40% across tier. Monthly fee of $10 waived with a $10,000 average daily balance.	0.35%	—	APY range is 0.35% to 0.40% across tier. Monthly fee of $10 waived with a $10,000 average daily balance.
$50,000 – $250,000APY range is 0.40% to 0.52% across tier. Monthly fee of $10 waived with a $10,000 average daily balance.	0.40%	—	APY range is 0.40% to 0.52% across tier. Monthly fee of $10 waived with a $10,000 average daily balance.

Sources (3)

All captured Oct 5, 2026

Money Market

0.01%APY$1,000 to open

The fee for a Money Market Account is $5 per month but this fee is waived when you maintain an average daily balance of $1,000 in the account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Tier: $0.01 to $999.99	0.01%	—	Tier: $0.01 to $999.99
$1,000 and upTier: $1,000.00 & over	0.01%	$1	Tier: $1,000.00 & over

Sources (2)

All captured Oct 5, 2026

Regular Savings

0.01%APY$50 to open

No monthly maintenance fee if you maintain a $50 average daily balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$0 monthly maintenance fee if a $50 average daily balance is maintained.Any balance	0.01%	$1	$0 monthly maintenance fee if a $50 average daily balance is maintained.

Sources (3)

All captured Oct 5, 2026

Relationship Savings

0.01%APY$5 to open

Tiered savings account. $12 monthly fee is waived with a combined average daily balance of at least $10,000 across deposit products.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.	0.01%	—	Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.
$10,000 – $100,000Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.	0.01%	$1	Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.
Over $100,000Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.	0.01%	—	Monthly fee of $12 waived with a combined average daily balance of at least $10,000 across deposit products.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Youth Savings

0.01%APYKids and teens$5 to open

Designed for members 0 to 20 years old. No monthly maintenance fee. Blended rate structure. Parent or guardian joint owner requirements apply depending on age.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Blended rate structure.	4.00%	—	Blended rate structure.
Over $5,000Blended APY ranges from 4.00% to 0.01% on balances over $5,000.00.	0.01%	$1	Blended APY ranges from 4.00% to 0.01% on balances over $5,000.00.

Sources (3)

All captured Oct 5, 2026

Holiday Club

0.01%APYClub$20 to open

Funds disbursed on November 1 each year, after which the account automatically renews. Early withdrawals prior to November 1 incur a $5 per transaction penalty fee. Blended rate structure. $0 monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $4,000Blended rate structure. Early withdrawals prior to November 1 incur a $5 per transaction penalty fee.	2.00%	—	Blended rate structure. Early withdrawals prior to November 1 incur a $5 per transaction penalty fee.
Over $4,000Blended APY ranges from 2.00% to 0.01% on balances over $4,000.00. Early withdrawals prior to November 1 incur a $5 per transaction penalty fee.	0.01%	$1	Blended APY ranges from 2.00% to 0.01% on balances over $4,000.00. Early withdrawals prior to November 1 incur a $5 per transaction penalty fee.

Sources (3)

All captured Oct 5, 2026

IRA Savings

0.01%APYIRA$100 to open

IRA options include Traditional, Roth, and Educational (Coverdell) IRAs. Subject to IRS rules and potential early withdrawal penalties.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.01%	$1

Sources (2)

All captured Oct 5, 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.

Check membership requirements ↗Branches and institution details

← MIDFLORIDA Credit Union overview

How MIDFLORIDA Credit Union’s savings rates compare

MIDFLORIDA Credit Union savings score

Current savings rates

High Five Savings

High Yield Savings

Extreme Yield Savings

Money Market

Regular Savings

Relationship Savings

Special-purpose accounts

Youth Savings

Holiday Club

IRA Savings

Who can join MIDFLORIDA Credit Union

Where you live or work