Lafcu Eaton Rapids MI Credit Union | Affordable Auto Loans & Checking

Introduction

Welcome to Lafcu, your trusted partner in financial well-being located at 1505 Kyle St, Eaton Rapids, MI 48827. Since our establishment in 1936, we have proudly served our community with a commitment to providing personalized banking services that meet the unique needs of our 74,055 members. With total assets exceeding $1,120,737,143 and total deposits amounting to $142,358,104, we stand strong as a reliable credit union dedicated to your financial success. Our experienced team, led by CEO Patrick Spyke and Board President Randall Freeman, is passionate about helping you achieve your goals whether that's securing an auto loan, opening a new savings account, or exploring mortgage options. We offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. While you can visit us at our branch for assistance, please note that official correspondence should be sent to our mailing address: P.O. Box 26188, Lansing, MI 48909-6188. Our friendly staff is ready to assist you during our operating hours from Monday to Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 Noon. At Lafcu, we believe in the power of community and strive to make a positive impact through every interaction. With a net worth of $233,029,516 and cash on hand totaling $19,421,578, we are not just here to serve you; we're here to build lasting relationships based on trust and transparency. Ready to take control of your financial future? Visit us online at Lafcu or give us a call at 517-622-6600. We look forward to welcoming you into the Lafcu family!

Branch History & Mission

Welcome to Lafcu in Eaton Rapids, MI! Established in 1936, our branch has a rich history that showcases our commitment to the community and our members. Over the decades, we have grown from a small local credit union into a trusted financial institution, proudly serving over 74,000 members today. Located at 1505 Kyle St, Eaton Rapids, MI 48827, our branch is conveniently situated near several community landmarks, making it easy for you to visit us. While members can visit us at this address, official correspondence should be sent to P.O. Box 26188, Lansing, MI 48909-6188. At Lafcu, our mission is simple yet profound: we aim to enhance the financial well-being of our members while fostering a sense of community. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, personal loans for debt consolidation, as well as rewarding credit card options. Our business banking solutions also help local entrepreneurs with merchant services and business loans. Our total assets have reached an impressive $1,120,737,143, reflecting our solid foundation and ability to support our members' needs. We pride ourselves on being more than just a financial institution; we are dedicated to community outreach and partnerships that uplift those around us. We recognize the importance of staying current with technology in today's world. That's why we offer various digital services such as online banking and mobile payments to ensure that managing your finances is convenient and efficient. Whether you're withdrawing cash from one of our ATMs or taking advantage of our drive-thru service during lobby hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 noon we strive to make your experience as smooth as possible. Join us on this journey towards financial empowerment! At Lafcu, we believe that everyone deserves access to quality financial services tailored to their unique needs. Experience the benefits of membership by visiting us or contacting us at 517-622-6600 today!

Branch Location & Accessibility

Accessibility Features

At Lafcu, we prioritize accessibility for all our members. Our facility is compliant with ADA standards, featuring ramps and spacious parking to ensure everyone can access our services comfortably. Whether you're visiting for personal banking or business needs, you'll find our branch welcoming and equipped to assist you.

Call to Action

We invite you to stop by Lafcu at our Eaton Rapids location. If you have any questions or need assistance before your visit, feel free to give us a call at 517-622-6600. We're here to help you navigate your financial journey every step of the way!

Operating Hours

We understand that convenience matters. That's why we are open Monday through Friday from 9:00 AM to 5:30 PM, and on Saturdays from 9:00 AM until noon for drive-thru service. With these hours, we aim to accommodate your busy schedule and provide the banking solutions you need when you need them.

Services Offered

Lafcu provides a variety of services tailored to meet your financial goals. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we've got you covered. Our friendly staff is here to help with deposits, withdrawals, and simple transactions at our drive-thru as well as provide ATM access for quick cash withdrawals or balance checks.

Member Eligibility

Becoming a member of Lafcu is like joining a family that truly cares about your financial well-being. If you live, work, worship, or attend school in the Eaton Rapids area, you're already on your way to enjoying all the benefits we have to offer. We believe in making banking accessible and friendly, so whether you're opening your first account or looking for lending options, we've got you covered. You can find detailed eligibility criteria on our website at to see how easy it is to join us. When you're ready to become part of our community, opening an account is simple! Just head over to our account opening page at https://onlinebanking.lafcu.com/enroll, or give us a call at (517) 622-6600 if you have any questions. We're here for you Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 Noon. Come visit us at 1505 Kyle St Eaton Rapids Mi 48827 and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Imagine having access to the capital you need to invest in new equipment or expand your workspace. Whether you're looking for a quick boost or long-term funding, our diverse range of commercial loans can help you achieve your goals.

Merchant Services

In addition to loans, we offer merchant services designed to streamline your transactions. Picture this: a customer walks into your store, makes a purchase, and completes their payment seamlessly with a simple tap of their card. Our merchant services ensure you can accept payments easily and efficiently, allowing you to focus on what matters most growing your business. Visit us at 1505 Kyle St Eaton Rapids Mi 48827 in Eaton Rapids, MI or call us at (517) 622-6600 to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessible Banking Hours

Our branch operates from Monday through Friday from 9:00 AM to 5:30 PM, with Saturday hours available from 9:00 AM until noon for drive-thru services. This ensures that we are here when you need us most. We invite you to explore all that Lafcu has to offer. For more information or if you're ready to open an account today, give us a call at (517) 622-6600 or visit us online at Eaton Rapids. Let us partner with you on your financial journey!

Business Banking

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, we provide the financial tools necessary for success.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards program! Enjoy benefits like cashback or points for every purchase you make. It's a great way to earn rewards on things you buy every day.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Lafcu, we prioritize digital banking features that allow you to manage your finances anytime, anywhere. With our Online & Mobile Banking, accessing your accounts is just a click away. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go. We also offer ATM & Cash Withdrawal Services, ensuring that cash is readily available when you need it. Our basic drive-thru banking provides simple transactions like deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer Checking and Savings Accounts that fit your lifestyle, making it easy to manage your everyday expenses and savings goals. Imagine having the flexibility to access your funds whenever you need them, whether it's for daily purchases or unexpected expenses. For those looking to finance a vehicle, our Auto Loans and Vehicle Financing options can help turn your dream of owning a car into reality. With competitive rates and flexible terms, getting on the road has never been easier. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans and Refinancing services can guide you through every step of the process. We're here to make homeownership accessible and affordable. In addition to these services, we also provide Personal Loans and Debt Consolidation options. Life can bring unexpected costs, and we're ready to help you navigate them without added stress.

Digital & Online Banking

Mobile Application

Stay connected with our mobile application, which brings all the power of online banking directly to your smartphone. Enjoy features like mobile payments, which allow you to make purchases effortlessly using your device. Plus, if you prefer going paperless, take advantage of our e-statements that keep your financial documents organized and accessible whenever you need them.

Online Banking Services

With our 24/7 online banking services available at https://www.lafcu.com/, you can access your accounts anytime, anywhere. This platform allows you to check balances, view transaction history, and transfer funds with ease. If you're looking for quick and efficient ways to send money, our person-to-person transfer feature makes it simple to send cash to friends or family without any hassle.

Security and Ease of Use

Your security is our priority. Our electronic signature authorization ensures that your transactions are safe and secure, giving you peace of mind as you manage your finances. The user-friendly interface means that whether you're tech-savvy or just starting out, you'll find navigating through your accounts a breeze. With all these features combined, Lafcu offers an accessible way for members to manage their finances in real-time. Embrace the future of banking with us!

Financial Strength

Committed Team Behind You

Our operational efficiency is evident through our $0, which helps us provide you with competitive loan rates and robust financial products. We also take pride in having 150 full-time employees and 15 part-time employees who are always ready to serve you with knowledge and commitment.

Growing Together

As your trusted partner, we have a strong member base reflected in our total share accounts: 141,099. This shows that more people are trusting Lafcu with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lafcu is your trusted partner. Visit us at 1505 Kyle St Eaton Rapids Mi 48827 or call (517) 622-6600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Your savings are secure with us! Members' funds are protected through $297,176,269 in share certificates and $164,745,557 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; currently, we have $0 in non-member deposits, which allows us to focus resources on benefiting you through better loan rates and exclusive perks.

Reinvesting for Your Future

We believe in reinvesting for the benefit of our members. With $223,970,523 in undivided earnings, we are committed to enhancing our services with innovative banking tools and stronger lending options. Our lending capacity supports your financial goals with $22,213 in used auto loans and a total of $793,253,010 across various loans and leases.

Solid Financial Foundation

With a net worth of $233,029,516, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,071 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've issued over $37,030,356 in used vehicle loans and $82,613,550 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Credit Lines and Business Loans

If you're considering expanding your business or needing extra cash flow for operations, our total credit lines amount to $161,709,685, providing significant support for both personal and business needs. For business owners specifically, our outstanding commercial loans totaling $21,894,233 provide the capital necessary for growth and expansion. At Lafcu, we also prioritize making our services accessible through refinancing options and eligibility assessments tailored to your individual needs. If you're unsure about what fits best for you, our team is ready to assist. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. With our wide range of loan products and commitment to member service, Lafcu stands ready to help you navigate your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $22,847,159. This means you can find a loan that suits your unique situation without unnecessary stress.

Unsecured Credit Card Loans

Managing expenses can be challenging, but we also offer flexible terms on unsecured credit card loans. With a total of $33,320,605 in loans helping members manage their finances effectively, you'll find the support you need for everyday purchases or unexpected expenses.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers.

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