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Central Tampa credit union branch and ATM in Hillsborough county florida

Central Tampa Branch & ATM

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The Central Tampa Branch & ATM offers excellent personal banking services, loan and mortgage options, and business finance solutions! We're conveniently located on West Waters Avenue (across the street from NY Legends Barbershop) in the Waters Edge Plaza, east of Himes Avenue. Visit our local branch to start receiving exceptional banking services!
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3202 W. Waters Avenue
Tampa, FL 33614
(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 Central Tampa Branch

Personal Checking

Our Central Tampa Branch offers personal checking accounts that include many cost-saving advantages. Some of the benefits available include no minimum balance requirements, no monthly fees, and free mobile banking options. You can even enroll in direct deposit to get your paychecks up to one day earlier!

Personal Savings

We have a variety of personal savings options to choose from that will help you save for short-term or long-term planning. Whether you're saving for your dream house, retirement, or that trip you've always wanted to take, you’re sure to find a savings option to better reach your financial goals.

Youth Bank Accounts

MIDFLORIDA has several alternatives for teenagers who are creating their first checking accounts. When families visit our Central Tampa location, the team can help open a Youth Bank Account for their child. Since parents have access to their children's accounts, they can keep tabs on their spending and use the experience to help instill good financial habits their children can carry with them.

Debit Cards

At our Central Tampa Branch, members can get same-day issued debit cards. You can also enroll in our debit card rewards program to earn points on everyday purchases. Other beneficial features include account alerts and mobile banking to stay on track with your available funds and expenses.

Credit Cards

We also provide members with the option to get instant-issued credit cards when they visit our Central Tampa branch. Our credit cards offer plenty of benefits such as low-interest rates, generous limits, and cash-back rewards.

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Loans & Mortgages at the Central Tampa Branch

Home Mortgage

We pride ourselves on offering great rates and flexible financing options for home mortgages. In Central Tampa, you’ll find various mortgage solutions that work according to an individual's needs. Our specialists take time to evaluate your options and compare them with the goals you have for your home and family, to find the loan that best suits you.

Home Refinance

If you're looking to reduce your monthly mortgage payment or make changes to your term, our team can provide optimal refinance options! We'll discuss the solutions available for your specific situation and goals.

Home Equity Loans & HELOC

There are circumstances in life where borrowing against an asset like your home can help you with other immediate financial obligations. A home equity loan or home equity line of credit might be the best solution for your financial needs. Let us help you explore your options, so you'll be armed with the knowledge needed to choose the loan that's right for you.  

Personal Loans

A personal loan can help cover various expenditures, from emergencies to home improvements. Our team provides flexible solutions to meet the needs of our members. Speak with one of our local representatives to learn more about which options are a best fit for your scenario!

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Business Banking at the Central Tampa Branch

Business Checking

We realize that your business banking services need to be versatile and accessible so you can focus on the operation of your business. So select from one of our many available business checking options that fit your business needs.

Business Savings

Opening the right type of business savings account is essential, which is why we offer several. Sit down with one of our team members and learn more about an option that best suits your business, such as our Business Money Market and Extreme Business Savings accounts.

Business Credit Cards

At MIDFLORIDA, we understand that you may need an available line of credit to help keep your operations running smoothly. Our team of specialists can help offer you a business credit card option with generous limits and low rates. Come visit the Central Tampa Branch team where we can help you choose an option that best aligns with your business need.

Treasury Management

From fraud protection to payroll services, we work to offer you the best treasury services possible! Our Treasury Management team also provides ACH Origination services, online wire transfers, comprehensive merchant services, and more!

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Banking with Integrity

At MIDFLORIDA Credit Union, our goal is to see that you receive the best banking services around. We operate with integrity, honesty, and trust, ensuring you have the financial services that are right for you.

Become a member today and take advantage of our member-only current offers. Stop by our MIDFLORIDA Central Tampa branch or contact us for more information.