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Land O' Lakes Branch & ATM

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Our Land O' Lakes, Florida branch offers various personal and business financial management services that help your money grow with checking, savings, and financing options. Stop by today to ask us about our offers and how you can earn more by signing up as a member. MIDFLORIDA Credit Union, Land O' Lakes Branch, is located at 23551 FL-54 on the corner of FL-54 and Livingston Rd., in Lutz, about a quarter mile west from the Terra Bella shopping plaza.

23551 SR 54
Lutz, FL 33559
(863) 688-3733 or Toll Free (866) 913-3733


Drive-Thru Hours

  • Monday: 7:00 am – 7:00 pm
  • Tuesday: 7:00 am – 7:00 pm
  • Wednesday: 7:00 am – 7:00 pm
  • Thursday: 7:00 am – 7:00 pm
  • Friday: 7:00 am – 7:00 pm
  • Saturday: 8:30 am – 1:00 pm
  • Sunday: Closed

Lobby Hours

  • Monday: 9:00 am - 5:00 pm
  • Tuesday: 9:00 am - 5:00 pm
  • Wednesday: 10:30 am - 5:00 pm
  • Thursday: 9:00 am - 5:00 pm
  • Friday: 9:00 am - 6:00 pm
  • Saturday: 9:00 am - 1:00 pm
  • Sunday: Closed

Personal Banking at the Land O' Lakes Branch

Personal Checking

We offer our members more flexible checking accounts with fewer fees and better rates than traditional banking. In addition, we offer a variety of different checking accounts depending on your financial needs and goals.

Personal Savings

There are many ways to save with our high-yield interest and dividend-earning savings accounts. So, whether your savings goals are short or long-term, we have an account that will suit your financial goals.

Youth Bank Accounts

It's never too early to teach your children how to manage finances, and our youth bank accounts can help you do this. These accounts come with a range of advantageous features similar to a full-fledged MIDFLORIDA account, such as online and mobile banking, text alerts, eStatements, and debit cards.

Debit Cards

Speak to our team at MIDFLORIDA's Land O'Lakes branch, and we'll help you choose from a variety of personalized debit cards, with features and designs to suit your individual style. You can also be confident in our round-the-clock support should your card ever be lost or stolen.

Credit Cards

Whether you're looking for a credit card with low interest rates, high rewards, or need to build (or rebuild) your credit, we have the right card for you.

Explore Personal Banking

Loans & Mortgages at the Land O' Lakes Branch

Home Mortgage

We understand that when it comes to choosing a home mortgage loan, there isn’t one solution that fits all. That's why we offer multiple options to better fit your needs and goals. Whether renovating an existing home or buying a new one, our mortgage specialists can help match you with a mortgage loan option that best suits your situation.

Home Refinance

Our mortgage specialists work closely with members so they can evaluate the refinancing options that better align with their goals. We take the time to thoroughly explain all the benefits of a fixed-rate mortgage, adjustable-rate mortgage, and a home improvement loan.

Home Equity Loans & HELOC

With a home equity loan, you can receive funds as a lump sum at a fixed interest rate or draw funds as needed with a home equity line of credit (HELOC). Granting you the financial freedom needed to use on things like significant home improvements or debt consolidation.

Personal Loans

We offer several personal loan options, such as our Auto Loans and Seasonal Shopping Loans. Meet with a specialist at our Land O’ Lakes branch, and we'll help you get started for whatever your financial needs may be.

Apply for a Mortgage

Business Banking at the Land O' Lakes Branch

Business Checking

Whether you're a sprawling corporation or a cherished local business, our array of business checking accounts has been meticulously crafted to align perfectly with your requirements. Our offerings range from fee-free and no minimum balance accounts to the esteemed premier business checking option, which facilitates substantial transaction volume and encompasses treasury management services.

Business Savings

It doesn't hurt to put away a little each month in a business savings account where you know it will stay secure and can be accessed when your business needs it most.

Business Credit Cards

If you need more money for purchases than you can access, our business credit cards are here to help. They come with generous limits, affordable rates, and low annual fees to keep your business operating optimally.

Treasury Management

Our treasury management services include payroll services, merchant services, online wire transfer services, fraud protection, and more. Allow our Treasury Management team worry about the financials while you focus on the operation of your business.

Explore Business Banking

Let Us Help With Your Personal and Business Banking Needs

As a not-for-profit organization, members of MIDFLORIDA Credit Union could earn more than a traditional bank can offer. Being a not-for-profit allows us to distribute profits back to our members in the form of high-yielding interest rates and cashback rewards on various business and personal financial management services. Visit or contact us at our MIDFLORIDA Credit Union Land O’ Lakes branch to ask how you can earn with us.