# MIDFLORIDA Credit Union CD and share certificate rates

As of October 22, 2026, MIDFLORIDA Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 36-month promotional CD ($1,000 minimum). That is 2.9 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 1.25% to 3.00% APY.

Canonical page: https://apyledger.com/cd-rates/midflorida-credit-union
Institution: MIDFLORIDA Credit Union (NCUA 68600)
Aliases: MIDFLORIDA, MidFlorida
Status: live
Last verified: 2026-10-22T12:05:01.000Z (October 22, 2026)
Official source: https://www.midflorida.com/rates/certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate | standard | 3 months | $1,000 | 1.25% | Not ZIP-priced | −3.04% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 6 months | $1,000 | 1.50% | Not ZIP-priced | −2.90% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| CD Special | promotional | 8 months | $1,000 | 3.75% | Not ZIP-priced | −0.70% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 12 months | $1,000 | 1.75% | Not ZIP-priced | −2.82% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| CD Special | promotional | 14 months | $1,000 | 3.75% | Not ZIP-priced | −0.87% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 18 months | $1,000 | 2.00% | Not ZIP-priced | −2.72% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 24 months | $1,000 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| CD Special | promotional | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 36 months | $1,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| CD Special | promotional | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |
| Regular Certificate | standard | 60 months | $1,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T12:05:01.000Z | [Snapshot 259](https://apyledger.com/snapshots/259) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.