Florida CD rates › Credit unions › MIDFLORIDA
Credit union · HQ Lakeland, FL
✓ Verified 2026-10-01 from their own posted rate sheet
MIDFLORIDA currently posts 12 CD rates from 1.25% to 4.00% APY. Their sheet states an effective date of valid as of July 1, 2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 1.25% | $1k | |
| 6 mo | 1.50% | $1k | |
| 1 yr | 1.75% | $1k | |
| 18 mo | 2.00% | $1k | |
| 2 yr | 2.25% | $1k | |
| 3 yr | 2.50% | $1k | |
| 4 yr | 2.75% | $1k | |
| 5 yr | 3.00% | $1k |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 3 yr | 4.00% promo | $1k (cap $5M) | CD Special |
| 5 yr | 4.00% promo | $1k (cap $5M) | CD Special |
| 8 mo | 3.75% promo | $1k (cap $5M) | CD Special — Initial deposit cannot exceed $5 million per member or $10 million per address |
| 14 mo | 3.75% promo | $1k (cap $5M) | CD Special |
Anyone who lives, works, worships or attends school in any of MIDFLORIDA's 59 Florida counties can join
69 branches in 24 counties: Alachua (Gainesville) · Collier (Naples) · Desoto (Arcadia) · Hardee (Wauchula) · Hernando (Spring Hill) · Highlands (Avon Park, Lake Placid, Sebring) · Hillsborough (Brandon, Plant City, Tampa) · Indian River (Vero Beach) · Lee (Cape Coral) · Leon (Tallahassee) · Manatee (Bradenton) · Marion (Belleview, Ocala) · +12 more
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions