Midflorida Federal Credit Union

Headquarters: Lakeland, Florida
Charter: Credit Union
Assets: $9.8B
Fed district: Atlanta

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12, the middle of its prices
Midflorida Federal Credit Union: $6 to $20
Midflorida Federal Credit Union: $6 to $20
U.S. median: no median
Non-Network ATM
Midflorida Federal Credit Union: $2
Midflorida Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Midflorida Federal Credit Union: $20
Midflorida Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Midflorida Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$20
per month
Monthly Maintenance Fee$6
per month
The Relationship Checking account has a Monthly service charge$12
per month
Inactive Fee No activity for 12 months$5
per month
Paper Statement Fee: per month$3
per month
Return Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Negative Balance Fee Charged the sixth day the account is negative more than $30$5
per day

ATM & Card

Foreign ATM Transaction Inquiry, Loan Advance, Transfer, Withdrawal$2
per item
Debit or Credit Card Rush Fee: per item$30
per item
International Transaction Fee1%of the transaction
per transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Domestic - outgoing: per wire$20
per item
Domestic - incoming: per wire$10
per item
Foreign - outgoing: per wire$45
per item
Foreign - incoming$10
per item

Check Services

Cashier's Check to Third Party - Member Fee$5
per item
Money Order$5
per item
Stop Payment Order$30
per item
Temporary Checks (4)$5
Foreign Check Collection Fee$35
per item

Digital & Electronic

Bill Pay Rush Services Expedited (ACH) Overnight (Check)$5
Not compared: Per-item charge, not monthly
per item
Bill Payment: per month$4.95
per month

Cash & Deposit

Coin Exchange Fee (coin counter and rolled coin) Non-member5%
per day
Cash Advance on Foreign Credit Cards$5
per item

Account Services

3x5 5x5 3x10 5x10 10x10 | per year per year per year per year per year$35
per year
Drilling$128
Not compared: Box drilling or key fee
Key Replacement$32
Not compared: Box drilling or key fee
Legal Processing Fee$100
per item

Other Fees

Statement Copy/ Account History Fee for a prior statement copy or a printout of recent transaction history | per copy$3
per item
Loan ACH Payment by Phone Fee$8
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$20	per month	None
Monthly Maintenance Fee	$6	per month	None
The Relationship Checking account has a Monthly service charge	$12	per month	None
Inactive Fee No activity for 12 months	$5	per month	None
Paper Statement Fee: per month	$3	per month	None
Return Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Negative Balance Fee Charged the sixth day the account is negative more than $30	$5	per day	None
ATM & Card
Foreign ATM Transaction Inquiry, Loan Advance, Transfer, Withdrawal	$2	per item	None
Debit or Credit Card Rush Fee: per item	$30	per item	None
International Transaction Fee	1%of the transaction	per transaction	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Domestic - outgoing: per wire	$20	per item	None
Domestic - incoming: per wire	$10	per item	None
Foreign - outgoing: per wire	$45	per item	None
Foreign - incoming	$10	per item	None
Check Services
Cashier's Check to Third Party - Member Fee	$5	per item	None
Money Order	$5	per item	None
Stop Payment Order	$30	per item	None
Temporary Checks (4)	$5	Not stated	None
Foreign Check Collection Fee	$35	per item	None
Digital & Electronic
Bill Pay Rush Services Expedited (ACH) Overnight (Check)	$5Not compared: Per-item charge, not monthly	per item	None
Bill Payment: per month	$4.95	per month	None
Cash & Deposit
Coin Exchange Fee (coin counter and rolled coin) Non-member	5%	per day	None
Cash Advance on Foreign Credit Cards	$5	per item	None
Account Services
3x5 5x5 3x10 5x10 10x10 \| per year per year per year per year per year	$35	per year	None
Drilling	$128Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$32Not compared: Box drilling or key fee	Not stated	None
Legal Processing Fee	$100	per item	None
Other Fees
Statement Copy/ Account History Fee for a prior statement copy or a printout of recent transaction history \| per copy	$3	per item	None
Loan ACH Payment by Phone Fee	$8	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 30, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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