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South Winter Haven Branch & ATM

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Nestled amid Winter Haven's legendary landscape, known for its scenic Chain of Lakes and iconic Legoland, sits our MIDFLORIDA Credit Union Branch and ATM at Cypress Gardens Boulevard and Cypress Gardens Road. Conveniently less than a mile north of Legoland, this branch serves the vibrant South Winter Haven community. With nearly 70 years of trusted service in community financial services, MIDFLORIDA offers comprehensive banking solutions. From our roots as the Polk County Teachers Credit Union, we have expanded across Central Florida. The South Winter Haven branch caters to residents and visitors, ensuring accessible banking and ATM services amidst the stunning backdrop of Lake Eloise, Lake Winterrest, Lake Ruby, Lake Dexter, Lake Florence, Lake Miriam, and, of course, the renowned Legoland.
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5540 Cypress Gardens Boulevard
Winter Haven, FL 33884
(863) 688-3733 or Toll Free (866) 913-3733


  • 24 Hour ATM
  • Safe Deposit Boxes
  • Night Drop
  • Coin Counting Machine
  • 7-7 Drive-Thru Service
  • Business Services Available
  • Mortgage Center
  • Shared Services Available

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 South Winter Haven Branch 

At MIDFLORIDA Credit Union's South Winter Haven branch, we offer a comprehensive array of family-friendly personal banking services. Whether you're looking to open personal checking and savings accounts, manage a debit card, or apply for a credit card, our services cater to your financial needs. Additionally, we provide specialized accounts tailored for children and teenagers, fostering essential money management skills while helping them save their allowances for their aspirations.

Personal Checking

Our personal checking accounts empower credit union members to conduct various financial transactions effortlessly, including writing checks, setting up direct deposits, and handling bill payments. Easily manage your personal checking account online or with the assistance of our amiable local tellers, ensuring convenient and hassle-free banking experiences.

Personal Savings

Consider opening a linked personal savings account to earn interest on your long-term savings. Our accessible savings accounts offer rewards as you progress toward achieving your savings objectives.

Youth Bank Accounts

Parental personal checking and savings accounts act as joint connections for youth bank accounts, fostering active involvement of parents and/or guardians in managing the account. Specifically designed to educate youngsters on digital financial management basics and the value of early savings, these accounts also provide monitored financial independence for teenagers.

Debit Cards

MIDFLORIDA Credit Union's debit cards offer convenient mobile access to your secured personal checking account, safeguarded by a private PIN for added security. Each account holder receives one debit card, with the option to request additional cards at our South Winter Haven branch.

Credit Cards

MIDFLORIDA Credit Union offers a diverse range of credit cards with enticing reward options, designed to empower our members through responsible and flexible spending. These credit card offerings provide convenient financial tools and thoughtful rewards, promoting financial freedom and empowering members to make informed spending choices.

Explore Personal Banking

Loans & Mortgages at the South Winter Haven Branch

Looking for a loan or a local mortgage? The South Winter Haven branch of MIDFLORIDA Credit Union is here to assist you.

Home Mortgages

As a community-focused credit union, we are dedicated to assisting home buyers in securing favorable home mortgage loans through our supportive approval process.

Home Refinancing

Choosing home refinancing becomes highly advantageous when paired with optimal interest rates. We take pride in offering this service to homeowners in South Winter Haven, ensuring a beneficial and attractive option for refinancing.

Home Equity Loans & HELOC

A home equity loan or HELOC taps into your existing equity, providing either a loan or line of credit. These financial services are frequently used for home improvement projects, unexpected expenses, or property enhancements like storm damage repairs.

Personal Loans

Personal loans step in to offer financial support for needs unrelated to home expenses or investments. These adaptable loans are designed to fulfill various requirements beyond home purchases or reinvestments.

Apply for a Mortgage

Business Banking at the South Winter Haven Branch

MIDFLORIDA Credit Union in South Winter Haven is committed to supporting local businesses by offering a comprehensive suite of business financial services aimed at enhancing their financial health and success.

Business Checking

A robust business checking account is crucial for local businesses to efficiently track and manage their funds. At MIDFLORIDA, we provide tailored account structures that allow you to securely handle your liquid capital and revenue.

Business Savings

Our business savings accounts serve as a valuable resource for reserving funds for significant future expenses, enabling your business to earn interest on its savings.

Business Credit Cards

Optimize expense management for employees and vendor transactions with the business credit card issued by MIDFLORIDA Credit Union's South Winter Haven branch.

Treasury Management

Our team of financial experts is dedicated to simplifying the complexities of treasury management for your business, ensuring meticulous bookkeeping and compliance. Services include payroll, ACH processing, fraud protection, and more, ensuring your financial operations run seamlessly.

Explore Business Banking

Explore Financial Services at the MIDFLORIDA South Winter Haven Branch

At MIDFLORIDA Credit Union, we are deeply committed to every community across central Florida. As a member-owned credit union, each account holder is also an integral part-owner of our community-focused banking organization. Operating as a not-for-profit entity, we prioritize your financial well-being and consistently endeavor to deliver exceptional financial services to our valued local members.

Explore our current offers designed to assist you in attaining greater financial success. To find out more, contact us at our South Winter Haven branch.