Midflorida

129 S Kentucky Ave, Lakeland, FL 33801

NCUA Insured4.3 (207 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Lakeland, FL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1954

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

129 S Kentucky Ave

Lakeland, FL 33801

Google Maps 🗺Waze

(863) 688-3733

Service Area

This credit union is located in Lakeland and serves members in the FL area. Currently serving 488,867 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.74%

Used Auto Loan

4.99%

Personal Loan

13.75%

Credit Card APR

12.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Mccoy— New Auto Loan

Orlando, FL

1.99%

Broward Healthcare— Used Auto Loan

Fort Lauderdale, FL

1.99%

Coastline— Personal Loan

Jacksonville, FL

7.18%

1st Street— Credit Card APR

Sarasota, FL

6.69%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(65 total)

Member Reviews

4.3

207 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Kristina Lynn

3 months ago

Neil is absolutely amazing. He walked me through the process of opening a new business account and answered all questions I had. He was very knowledgeable and provided amazing customer service. I have had my personal account through MidFlorida, so I am very excited to add my new business through them!

TJ Myers

4 months ago

Came in to open a new account and was able to get everything done quickly and smoothly. Every teller at the counter was very polite and helpful in answering questions and Neil Atkinson was able to set me up with everything I needed while making sure I was informed. Very satisfied with my experience

S L

4 months ago

Had this bank for years. While trying to discuss a transaction that both my husband and myself share a checking account. The help desk person would not discuss the fraudulent transaction with me because it was made in my husband's name. They needed his permission to speak with me. Considering this is one bank account shared by both of us. This is a terrible way of conducting business. Considering changing to GTE. How do you conduct business if they won't. A terrible help desk person.

Queen Joseph

3 months ago

I was denied a product that is clearly advertised on their website. I was overlooked in the lobby. And the employee assumed I was going to use a MidFlorida credit card to rent a car and potentially wreck it. MidFlorida does a lot of racial profiling and assumptions based on stereotypes. I closed my account and will take my business elsewhere. When I googled MidFlorida + discrimination, there were so many stories and lawsuits of customer/member experiences.