MIDFLORIDA Credit Union Routing Number: Florida Banking Guide

What is the MIDFLORIDA Credit Union routing number?

MIDFLORIDA Credit Union uses routing number 263178410 for all member accounts. This nine-digit ABA routing number is required for ACH transfers, direct deposits, wire transfers, and recurring payment setups across all MIDFLORIDA branches.

MIDFLORIDA Credit Union is headquartered in Lakeland, Florida, and serves over 500,000 members throughout the state. Originally chartered in 1954 as Polk County Teachers Credit Union, MIDFLORIDA has grown into one of the largest credit unions in Florida with over $6 billion in assets.

How to find your MIDFLORIDA routing number

Routing number 263178410 is printed on the bottom-left corner of your MIDFLORIDA checks. You can also locate it through MIDFLORIDA's online banking portal or the mobile app by navigating to your account details.

Every MIDFLORIDA member uses the same routing number regardless of branch location or account type. This applies to checking, savings, money market, and certificate accounts throughout Florida.

MIDFLORIDA wire transfers and ACH payments

MIDFLORIDA processes domestic wire transfers using routing number 263178410 through the Fedwire system. Members can initiate outgoing wires through online banking, by visiting a branch, or by calling member services.

ACH transfers including payroll direct deposits, government benefit payments, and recurring bill payments all use this routing number. MIDFLORIDA follows standard Federal Reserve ACH settlement timelines for incoming and outgoing transfers.

MIDFLORIDA business services

MIDFLORIDA offers business checking and savings accounts, commercial real estate loans, SBA lending, and merchant services. Business members have access to remote deposit capture, ACH origination, and cash management tools.

With over 60 branches across Florida including Polk, Hillsborough, Orange, Seminole, and Brevard counties, MIDFLORIDA provides in-person support alongside its digital banking platform for business and personal members.

How Slash compares to MIDFLORIDA

MIDFLORIDA provides competitive credit union rates and a strong Florida branch network, while Slash offers a modern digital business banking platform accessible nationwide. Slash delivers up to 2% cashback, unlimited virtual cards with per-card spending controls, and built-in expense management tools.

For businesses that want digital-first banking without geographic membership restrictions, Slash provides real-time spend tracking, treasury yield on idle balances, multi-entity support, and automated accounting integrations — all from a single platform.