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Spirit Lake Branch & ATM

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Our Spirit Lake branch in Winter Haven, FL offers a full range of financial services. Being Florida's premier credit union, we offer personalized banking services for all of our local community members from debit cards, to home mortgages and business accounts. The MIDFLORIDA Spirit Lake branch & ATM are located on the corner of Spirit Lake Road and Winter Lake Road, across from the Publix Super Market at Spirit Lake Crossing.
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3025 FL-540
Winter Haven, FL 33880
(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 Spirit Lake Branch 

Personal Checking

Free online banking, mobile deposits using our app, and Early Paycheck are just some of the benefits included with our Free Checking Accounts. Our specialists in Winter Haven can help assist you in choosing a checking account that best fits your lifestyle and spending habits.    

Personal Savings

Achieve your financial goals faster by opening a savings account best suited for your needs. Some of our available saving account options include Extreme Yield, Money Market, Holiday Club, and many more. Stop by our Spirit Lake branch and meet with one of our specialists who will help review the available account options, so you can be confident in choosing the correct account for your savings.

Youth Bank Accounts

It's so important to learn healthy spending habits early. Our Youth Bank Accounts offer unique features that make managing money easy,  helping teach your child the value of being responsible with their money.    

Debit Cards

Come into our branch today and leave with an instant-issue debit card. Our cards come with innovative features such as the Smart Save feature that helps you save by rounding up purchases when you enroll, as well as our Debit Card Rewards program.

Credit Cards

Our options include all the essential features needed in a credit card—chip technology, generous limits, and low rates. Choose from Visa Signature, Visa Platinum, or a Business Credit Card. 

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Loans & Mortgages at the Spirit Lake Branch

Home Mortgage

We would like to help you choose a home near you, whether you're a first-time buyer or a current homeowner. We treat each home mortgage request as a chance to build up our Florida community, not simply as another business transaction.

Home Refinance

Ask us about our home refinance options, and we'll help you decide if refinancing makes sense for you, given your scenario. Refinancing can offer you many benefits, such as paying off your mortgage in a faster amount of time, allowing you to pay a financial debt, or even lowering your monthly mortgage payment and rate.

Home Equity Loans & HELOC

With your home's equity, you have access to borrowing power. Whether you want to spruce up your property or need funding for a large expense, we provide home equity options to suit your needs.

Personal Loans

We offer several personal loan options, such as our Auto Loans and Seasonal Shopping Loans. Meet with a specialist at our Spirit Lake branch, and we'll help you acquire the strong financial footing for whatever your needs may be.

Apply for a Mortgage

Business Banking at the Spirit Lake Branch 

Business Checking

When running a business, owners should rest assured that their banking will be hassle-free and at MIDFLORIDA, it is. Features such as extended drive-thru hours, free transactions, and our numerous Business Checking account options are all here to make managing your business finances a breeze.

Business Savings

In addition to our Business Savings accounts, we offer our Business Money Market and Extreme Business Savings account options, each equipped with great interest rates. Speak with a specialist at our Spirit Lake location or make use of our interactive comparison tool to further evaluate the different options available to you.

Business Credit Cards

A business credit card is an excellent way of securing adequate business funding when needed. With low-interest rates and cash-back options available, our business credit cards are essential for any business.

Treasury Management

MIDFLORIDA offers services that meet many accounting needs of our business clients. We’ll take care of all the complexities related to payables and receivables so you can focus more of your time on improving your bottom line. Stop by our Spirit Lake branch today to learn more!

Explore Business Banking

We Care About Our Community 

As a not-for-profit, MIDFLORIDA Credit Union is fully committed to helping our members meet their financial needs—instead of worrying about our bottom line. Make time to visit our Spirit Lake branch in Winter Haven to learn more about our current offers or contact our Help Desk team with any questions you may have.

We look forward to being your local partner in serving your current and future banking needs!