MIDFLORIDA Credit Union
MIDFLORIDA Credit Union is a Florida-based, member-owned financial cooperative headquartered in Lakeland. The institution provides checking and savings accounts, consumer lending, mortgages, credit cards, business banking, commercial lending, digital banking, certificates, money-market products, and other financial services. It was originally established in 1954 as Polk County Teachers Credit Union, serving educators in the Lakeland area.
The credit union expanded steadily through community-charter changes, organic growth, new branches, and acquisitions. It became MIDFLORIDA Federal Credit Union in 1997 and converted to a Florida state charter in 2009, adopting the current MIDFLORIDA Credit Union name. From 2010 through 2026, mergers involving Bay Pines Credit Union, Martin Federal Credit Union, Community Bank & Trust of Florida, and Prime Meridian Bank significantly expanded its geographic reach.
MIDFLORIDA is currently led by Steve Moseley, President and Chief Executive Officer. The credit union now reports more than 70 branches, more than 1,550 employees, more than 500,000 members, and assets exceeding $9 billion following its continued 2026 expansion. Its 2025 annual report recorded year-end assets of approximately $8.79 billion and 488,800+ members before the latest expansion milestones.
MIDFLORIDA Credit Union
129 S. Kentucky Avenue
Lakeland, FL 33801
United States
MIDFLORIDA’s current Contact Us information identifies this downtown Lakeland address as its principal published contact location. The credit union also describes itself as headquartered in Lakeland, Florida.
129 S. Kentucky Avenue
Lakeland, FL 33801
This location also operates as the Lakeland Tower branch, but MIDFLORIDA uses the address in its institution-level Contact Us information and formal compliance documentation.
MIDFLORIDA Credit Union
P.O. Box 8008
Lakeland, FL 33802-8008
United States.
Members can send confidential correspondence to the Supervisory Committee at
MIDFLORIDA Credit Union
Supervisory Committee
P.O. Box 3584
Lakeland, FL 33802.
Formal business-account arbitration notices under current terms are directed to
MIDFLORIDA Credit Union
Attn: Compliance Counsel
129 S. Kentucky Avenue
Lakeland, FL 33801.
863-688-3733
863-688-3733
Toll-free
866-913-3733
MIDFLORIDA’s Contact Us page lists these as its primary member-service numbers.
129 S. Kentucky Avenue, Lakeland, FL 33801
129 S. Kentucky Avenue, Lakeland, FL 33801
MIDFLORIDA does not publish one universal unsecured member-service email for sensitive account questions. Members are encouraged to use secure messaging inside Online Banking or call the Help Desk. Fraudulent emails or text messages can be reported through the security contact provided on MIDFLORIDA’s fraud-reporting page.
Credit Union, Retail Banking, Consumer Lending, Mortgage Lending, Commercial Banking and Financial Services
1954, originally as Polk County Teachers Credit Union.
1,550+ employees.
Current 2026 company history reports
500,000+ members
70+ branches
More than $9 billion in assets.
Main member contact support
Monday through Saturday: 7:00 AM to 8:00 PM
Branch hours vary by location.
https://careers.midflorida.com/
MIDFLORIDA offers personal checking accounts designed for everyday spending, deposits, direct deposit, debit-card access, bill payments, and digital banking. Account features and qualification requirements vary by product.
Members can use savings accounts for emergency funds, short-term goals, and general deposit needs. As a credit union, member deposits are structured as share accounts and are generally insured through the National Credit Union Administration within applicable limits.
MIDFLORIDA offers money-market products for members seeking a combination of liquidity and interest earnings while maintaining access to their funds.
Certificates provide fixed-term savings options with stated rates and maturity dates. They may be suitable for members who can leave funds deposited for a defined period.
Checking-account members can use MIDFLORIDA debit cards for purchases, ATM withdrawals, and everyday transactions. Lost, stolen, or suspicious debit-card activity can be reported through the Help Desk.
MIDFLORIDA offers consumer credit cards with revolving credit and payment features. Credit-card fraud and lost or stolen cards use a separate 24/7 support line.
The credit union provides financing for new and used vehicles. Members can apply through MIDFLORIDA’s loan channels, online, or with assistance from the LoansPlus team.
Personal loans provide unsecured or other consumer financing for qualifying members who need funds for planned or unexpected expenses.
MIDFLORIDA finances motorcycles, recreational vehicles, boats, and other qualifying recreational purchases subject to credit and collateral requirements.
The credit union originates residential mortgages for home purchases and refinancing. Its lending organization includes a dedicated Chief Mortgage Lending function and mortgage specialists at selected branches.
Eligible homeowners can use home equity financing for renovations, major expenses, debt consolidation, or other permitted purposes.
MIDFLORIDA provides business deposit accounts for small businesses and other commercial customers, including operating accounts and transaction services.
Business savings and money-market products help commercial members maintain reserves, manage liquidity, and separate operating cash from longer-term funds.
MIDFLORIDA provides commercial lending for qualifying businesses, including real estate, equipment, working capital, and other business financing needs.
Business borrowers can seek financing for owner-occupied and investment commercial real estate subject to underwriting and credit requirements.
Members can access accounts digitally to review balances, transfer funds, make payments, manage transactions, and communicate securely with MIDFLORIDA.
MIDFLORIDA’s mobile banking services provide account access through compatible smartphones and tablets, including transfers, payment tools, transaction history, and other self-service features.
Direct Touch Banking is MIDFLORIDA’s automated telephone-banking service and is available 24 hours a day, seven days a week.
LoansPlus provides dedicated consumer-lending assistance. MIDFLORIDA publishes extended weekday and Saturday service hours for this team.
MIDFLORIDA operates ATMs throughout its branch network, including many locations with 24-hour ATM access.
Many branches provide drive-thru service, often with extended hours beyond the normal branch lobby schedule.
Selected MIDFLORIDA branches provide safe-deposit services, subject to availability.
Many branches offer notary services for members as part of their in-person banking support.
MIDFLORIDA provides educational content, financial guidance, and resources intended to help members make informed decisions about credit, saving, borrowing, and fraud prevention.
863-688-3733.
863-688-3733
863-688-3733
863-688-3733
863-688-3733
Toll-free
866-913-3733.
866-913-3733
863-284-5626
Toll-free
855-560-5626
LoansPlus hours are currently Monday through Friday from 7:00 AM to 7:00 PM and Saturday from 8:30 AM to 1:00 PM.
863-904-4896
Toll-free
844-868-2424
Available 24/7.
863-904-4999
Toll-free
877-834-6376.
863-688-3733
Toll-free
866-913-3733.
800-275-4229
Available
24 hours a day, seven days a week.
833-933-1681
MIDFLORIDA publishes this number for suspected account fraud and suspicious activity.
No universal sales number is published. Lending inquiries can use LoansPlus, while deposit and banking services use the main Help Desk.
No separate universal billing department exists in the same way as a retail company. Loan-payment or account-payment questions should use the main service line or the relevant lending department.
MIDFLORIDA does not publish one universal regional-office number. Branches use local published locations but many route calls through the central contact number.
Many branches use
863-688-3733
Specific branch locations and hours are available through the official Locations directory.
MIDFLORIDA does not publish a universal international member-service number. Members traveling abroad should use secure digital banking or the appropriate card-support contact.
For lost or stolen credit cards
800-275-4229, 24/7.
For automated account access
844-868-2424, 24/7.
Not applicable.
MIDFLORIDA is a member-owned credit union rather than a shareholder-owned public company.
MIDFLORIDA does not publish a permanent media telephone number on its main Contact page. Media inquiries are directed to the Marketing Department through the published contact process.
No universal applicant HR number is prominently published.
https://careers.midflorida.com/
MIDFLORIDA uses mortgage specialists and dedicated mortgage channels rather than one universal publicly promoted headquarters mortgage number. Members can begin through the main contact line or mortgage application system.
For most member questions, call 863-688-3733 or 866-913-3733. Current contact hours are Monday through Saturday from 7:00 AM to 8:00 PM. Members can also text CALL to MIDFL (64335) during normal business hours to request a callback. When contacting the credit union, have your identity-verification information ready, but do not send passwords, PINs, full account credentials, or other sensitive information by unsecured email.
For lending, call LoansPlus at 863-284-5626 or 855-560-5626. For a lost debit card or suspicious debit-card charge, call 866-913-3733 promptly. For lost or stolen credit cards or suspicious credit-card transactions, call 800-275-4229, which is available 24/7. If you suspect broader fraud on your MIDFLORIDA accounts, the published dedicated fraud number is 833-933-1681.
For a branch-specific matter, visiting or calling the branch may be more effective, especially for notary, cash handling, safe-deposit, mortgage appointments, or transaction questions. More serious unresolved issues can be escalated through written correspondence, the Supervisory Committee, compliance, or the appropriate financial regulator.
Complaints may involve an account, loan, mortgage, debit or credit card, unauthorized transaction, fees, branch experience, digital banking, fraud, collection activity, or another financial service. Before contacting MIDFLORIDA, gather relevant statements, transaction dates, account or loan references, correspondence, screenshots, payment records, and prior case information. Do not include passwords or security codes in written complaints.
Call 863-688-3733 or 866-913-3733 and explain the complaint clearly. Give the representative the dates, transaction amounts, branch or account type involved, and any previous case details. Ask that the complaint be documented and request a reference number if one is available.
Use LoansPlus for consumer-loan concerns, mortgage support for home-loan matters, the Help Desk for debit-card problems, the credit-card support line for card issues, and the dedicated fraud team for suspected unauthorized activity. Using the correct department can significantly improve resolution speed.
If the first representative cannot resolve the issue, ask for a supervisor, branch manager, lending manager, fraud specialist, or other appropriate management review. Provide a concise chronology and clearly identify the remedy requested, such as fee reversal, transaction investigation, account correction, payment adjustment, or written explanation.
Use secure messaging inside Online Banking for sensitive account matters, or send a written inquiry through MIDFLORIDA’s official Contact Us process for non-sensitive issues. Preserve copies of all responses and supporting documentation. MIDFLORIDA specifically warns customers not to include account numbers or passwords in unsecured web messages.
For unresolved institution-level matters, write to MIDFLORIDA Credit Union, 129 S. Kentucky Avenue, Lakeland, FL 33801, or use its mailing address at P.O. Box 8008, Lakeland, FL 33802-8008. Include your contact information, account or loan type, dates, prior case numbers, and the specific resolution requested.
Members can submit concerns to the Supervisory Committee, P.O. Box 3584, Lakeland, FL 33802, and MIDFLORIDA states that these member communications are handled confidentially. For contractual matters subject to formal dispute procedures, current business-account terms identify Compliance Counsel, 129 S. Kentucky Avenue, Lakeland, FL 33801 as the written notice address.
Because MIDFLORIDA is a Florida state-chartered, federally insured credit union, the appropriate regulator depends on the issue. Complaints may involve the Florida Office of Financial Regulation, the National Credit Union Administration, the Consumer Financial Protection Bureau, or another regulator depending on whether the concern involves deposits, lending, fair lending, credit reporting, electronic transfers, or other financial services.
Members may also use payment-network dispute rights, credit-reporting disputes, identity-theft processes, or applicable state and federal consumer protections. Unauthorized electronic transactions should be reported promptly because legal timelines may affect reimbursement rights.
If the dispute remains unresolved, review the membership agreement, loan agreement, cardholder terms, account disclosures, and any arbitration provisions before pursuing formal proceedings. Certain MIDFLORIDA agreements include pre-arbitration procedures and written-notice requirements, so those contractual steps should be followed carefully before filing arbitration or litigation.
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