Midflorida logo

Midflorida

4.1/5

MidFlorida Credit Union is a Florida-based financial institution that provides credit union membership services including savings, checking, loans, and other banking products.

Data compiled from public sources · Rating from CreditDoc methodology

Rates vary

Midflorida Review

MidFlorida Credit Union is a financial institution based in Florida that serves as a member-owned cooperative providing banking and financial services. The organization has established itself as a recognizable brand in the Florida financial services market, evidenced by their naming rights sponsorship of the MidFlorida Credit Union Amphitheatre at the Florida State Fairgrounds in Tampa, which they acquired in May 2013. As a credit union, MidFlorida operates under the cooperative credit union model where members are both customers and partial owners of the institution.

Based on the available website information, MidFlorida Credit Union offers standard banking services typical of credit union membership. com, indicating online banking capabilities. However, the provided website content is limited to information about their amphitheatre naming sponsorship rather than comprehensive details about their specific financial products and services.

This suggests they offer consumer banking services, but detailed information about their loan products, savings accounts, rates, and other specific offerings cannot be confirmed from the provided source material. What distinguishes MidFlorida Credit Union is their community presence and local brand recognition in Florida. Their investment in amphitheatre naming rights demonstrates a commitment to community engagement and sponsorship.

The three-year naming rights agreement (2013-2016) for a 20,000-capacity outdoor venue suggests they are an established institution with sufficient capital and community standing to invest in local entertainment and cultural events. A significant caveat is that the provided website content does not contain detailed information about MidFlorida Credit Union's specific financial products, services, membership requirements, rates, fees, or terms. The source material consists entirely of Wikipedia information about a concert venue.

To make an informed decision about membership or services, consumers would need to visit their actual financial services website and review their offerings directly, as this information cannot be verified from the available source material.

Services & Features

Consumer banking products (implied from credit union status)
Credit union membership and member ownership
Online banking services

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Florida-based credit union with established local community presence and brand recognition
  • Demonstrates financial stability sufficient to sponsor major entertainment venue naming rights
  • Member-owned cooperative structure provides potential member benefits typical of credit unions
  • Maintains online banking presence at www.midflorida.com
  • Active in community engagement through cultural event sponsorships

Cons

  • Limited detailed information available about specific products, services, and rates
  • No transparent disclosure of fees, membership requirements, or lending terms in available materials
  • Cannot verify current service offerings from the provided website content
  • Naming rights sponsorship ended after initial 3-year agreement (2013-2016), raising questions about ongoing financial commitment

Rating Breakdown

Value
5.0
Effectiveness
3.4
Customer Service
3.9
Transparency
4.0
Ease of Use
4.2

Mortgage Lending Transparency

Midflorida processed 7,842 mortgage applications in 2023, approving 40.2% of applicants across 17 states.

7,842

Applications

40.2%

Approval Rate

$177K

Avg Loan

17

States Served

Approval Rate by Applicant Income

Under $50K
18.6%
$50K–$100K
34.8%
$100K–$200K
50%
Over $200K
60.2%

Based on 7,842 applications. Income in thousands (reported by applicant).

Top Lending States

Florida 6,983 apps · 43.9%
North Carolina 10 apps · 40%
Georgia 9 apps · 77.8%
Minnesota 3 apps · 33.3%
Tennessee 2 apps · 50%
Kentucky 2 apps · 0%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

Is Midflorida legitimate?

Yes. Midflorida is a registered company, headquartered in ,, founded in 1954.

How long does Midflorida take to show results?

Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.

Quick Facts

Founded
1954
Headquarters
,
BBB Accredited
No
Certifications
NCUA Insured Charter #68600
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No

No Website Currently Available

CreditDoc Diagnosis

Doctor's Verdict on Midflorida

MidFlorida Credit Union appears to be a legitimate Florida-based credit union with community presence, but the provided website content contains insufficient information to evaluate their specific financial products, rates, or services. Consumers interested in this institution should visit their main financial services website directly rather than relying on amphitheatre sponsorship information as a basis for banking decisions.

Best For

  • Florida residents seeking local credit union membership with community involvement
  • Members interested in supporting community-focused financial institutions
  • Consumers in the Tampa Bay area with existing relationships to the institution
Updated 2026-05-08

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Is Midflorida Right for You?

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