Lafcu Lansing MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lafcu, your trusted partner in financial wellness since 1936! Located at 1121 Keystone Ave, Lansing, MI 48911, we pride ourselves on being a community-focused credit union dedicated to serving our 74,055 members with exceptional care and commitment. Our mission is to empower individuals and families in Lansing by providing a range of financial services designed to meet your unique needs. At Lafcu, we understand that life is full of financial decisions, whether you're looking for a new car, saving for a home, or managing daily expenses. That's why we offer competitive rates on total loans and leases amounting to 52,153, alongside robust savings options with total deposits of $142,358,104. With total assets reaching an impressive $1,120,737,143, you can trust that your money is in good hands. While members can visit us at our branch address mentioned above for all their banking needs, official correspondence should be directed to our mailing address: P.O. Box 26188, Lansing, MI 48909-6188. Our friendly team of 165 employees, led by CEO Patrick Spyke and Board President Randall Freeman, is always here to help you navigate your financial journey. We are committed to building lasting relationships within our community and ensuring that each member feels valued and supported. Ready to take the next step towards achieving your financial goals? Feel free to give us a call at 517-622-6600 or visit our website at Lafcu for more information about our services. Let's work together towards a brighter financial future!

Branch History & Mission

Welcome to Lafcu, where our journey began in 1936 in the heart of Lansing, Michigan. Over the decades, we have grown from a small community-focused credit union into a vibrant financial institution that serves over 74,000 members. Our branch is conveniently located at 1121 Keystone Ave, Lansing, MI 48911, a place where neighbors gather and dreams take shape. From our inception, Lafcu has been committed to supporting our members with personalized financial services. As we evolved through the years, we've expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Our mission is simple yet profound: to empower our members by providing accessible financial services while fostering a sense of community. We believe that when our members succeed, we all succeed. Lafcu's dedication to its members is reflected in our total assets of over $1.12 billion. This financial strength allows us to offer competitive rates and innovative products designed to meet the diverse needs of our community. We are proud to be ADA compliant and continuously invest in technology to enhance your banking experience offering online and mobile banking services that allow you to manage your finances on the go. Our commitment goes beyond just numbers; it extends into the heart of our community through outreach efforts and partnerships that uplift those around us. We understand that financial wellness is about more than just transactions; it's about creating opportunities for growth and stability for every member we serve. While members can visit us at 1121 Keystone Ave Lansing Mi 48911, official correspondence should be sent to P.O. Box 26188, Lansing, MI 48909-6188. Our branch operates Monday through Friday from 9:00 AM to 5:30 PM and on Saturdays from 9:00 AM to 12:00 Noon for your convenience. With an ATM available on-site and drive-thru banking options, we strive to make your banking experience as seamless as possible. Join us at Lafcu and discover how we can help you achieve your financial goals while being part of a caring community. We invite you to connect with us today at (517) 622-6600 or explore more about our services at Lafcu's website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Comfort

At Lafcu, we prioritize accessibility for all our members. Our branch is ADA compliant with features like ramps and designated parking spaces, ensuring that everyone can access our services without hassle. Plus, we offer convenient drive-thru banking for those on the go perfect for quick deposits or withdrawals!

Comprehensive Services Just for You

Our branch provides a full suite of services tailored to meet your financial needs from checking and savings accounts to vehicle financing and credit cards with rewards. Need cash? We also have an ATM available onsite for your convenience. While members can visit us at 1121 Keystone Ave, official correspondence should be sent to P.O. Box 26188 in Lansing if needed.

Conveniently Located

Nestled in the heart of Ingham County, our branch is just a stone's throw away from local favorites, making it easy to stop by while running errands. If you're heading to nearby parks or shops, we're right along your path.

Get in Touch!

Ready to learn more? Give us a call at 517-622-6600 or visit our website at Lafcu for additional information. We look forward to welcoming you into our branch soon!

Operating Hours Tailored for You

We understand that life can get busy! That's why we're here to serve you Monday through Friday from 9:00 AM to 5:30 PM and on Saturdays from 9:00 AM to 12:00 noon. Whether you need help with personal banking, auto loans, or business services, our friendly team is ready to assist you during these hours.

Member Eligibility

At Lafcu, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Ingham County or surrounding areas, you're likely eligible to join us. We invite individuals who share our commitment to community and financial well-being to explore the benefits of membership, including access to personalized banking services, competitive loan rates, and friendly support from our team. To learn more about the specific eligibility criteria, feel free to visit our website at . Once you're ready to take the next step in your financial journey, opening an account is straightforward; just head over to https://onlinebanking.lafcu.com/enroll. If you have any questions or need assistance, don't hesitate to call us at (517) 622-6600. Join us at Lafcu today your new financial family awaits!

Business Banking & Commercial Services

Lending Solutions That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $154 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $269 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $21,894,233, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine having the tools you need to accept payments seamlessly. Our merchant services help simplify transactions, whether you're at a busy retail location or offering services on the go. With easy payment solutions, you can focus on what matters most growing your business. Located at 1121 Keystone Ave Lansing Mi 48911, in the heart of Lansing, MI, we invite you to reach out at (517) 622-6600 to discover how we can partner with you for success!

Comprehensive List Of Services

Convenient Access

We know that convenience is key for our members. That's why we offer comprehensive Online & Mobile Banking services. From paying bills to depositing checks right from your smartphone, managing your finances has never been easier. Plus, with our ATM & Cash Withdrawal Services available 24/7, you can access cash whenever you need it.

Credit Cards and Business Services

Looking for rewards? Our Credit Cards with Rewards program allows you to earn points on every purchase, giving you more value from your spending. For those running a business, our Business Banking services include merchant services and business loans tailored to help you succeed in today's competitive market.

Drive-Thru Banking

For quick transactions without leaving your car, enjoy our Basic Drive-Thru Banking service that includes deposits, withdrawals, and other simple transactions. If you're on the go but need to check your account balance or withdraw cash, our basic ATM access ensures that all your banking needs are met efficiently. With so many services designed with your convenience in mind, we invite you to visit us at Lafcu in Lansing or call us at (517) 622-6600 to learn more about how we can support your financial journey. Our friendly staff is here to help answer any questions and guide you toward the best solutions for your needs. Join us today at South Lansing, where your financial well-being is our top priority!

Loans and Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing options are competitive and straightforward. We understand how important reliable transportation is, which is why we strive to make the loan process as smooth as possible. For homeowners, our Mortgage Loans & Refinancing services can help you secure the best rates for your dream home or lower your current mortgage payments. Additionally, our Personal Loans & Debt Consolidation offerings can assist you in managing existing debts or funding personal projects without added stress.

Personal Banking

For everyday banking, our Personal Banking services include checking and savings accounts designed to fit different lifestyles and financial goals. Whether you're saving for a vacation or managing monthly expenses, our accounts provide the flexibility and features you need. You can also access your accounts anytime through our online and mobile banking platforms, making it easy to track your spending or transfer funds on the go.

Digital & Online Banking

Key Services

Our online banking platform offers 24/7 access, meaning you can check your account balance, pay bills, and transfer funds anytime day or night. No more rushing to the bank before closing hours! Plus, with our mobile application, managing your finances on-the-go has never been easier. You can download our app for instant access to all your banking needs right from your smartphone. If you're looking to send money quickly, our person-to-person transfer feature makes it simple to send funds to friends or family without hassle. Need a signature for a transaction? No problem! We offer electronic signature authorization, giving you the flexibility to complete transactions securely from home.

Stay Organized

With e-statements available, keeping track of your finances is easy and paper-free. You'll receive timely updates directly in your inbox, helping you stay organized without cluttering your space. And let's not forget about our mobile payments feature! You can make purchases using your mobile device securely and conveniently no need for cash or cards! At Lafcu, we prioritize not only convenience but also security. Our systems are designed with advanced security measures to protect your personal information while providing a user-friendly experience. Whether you're at home or on the go, our digital and online banking services ensure that managing your money is accessible and straightforward. Explore everything we have to offer today by visiting https://www.lafcu.com/!

Financial Strength

At Lafcu, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to trust your financial institution, which is why we are committed to maintaining a strong foundation to support your needs. 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 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. Members' savings are secured 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. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $223,970,523 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $22,213 in used auto loans and $793,253,010 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 150 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $20,668,631. Total Share Accounts: 141,099, showing a strong and growing member base that trusts us with their finances. 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 1121 Keystone Ave Lansing Mi 48911 or call (517) 622-6600 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Offerings

For those considering business ventures or expansions, our outstanding commercial loans totaling $21,894,233 provide the capital needed to grow and thrive. Additionally, we have credit lines available amounting to $161,709,685, giving you further options for managing cash flow. If you're interested in exploring refinancing options or checking your eligibility for any of these products, don't hesitate to reach out. You can contact us at 517-622-6600, visit us at 1121 Keystone Ave Lansing Mi 48911, or learn more about our services by visiting our website at www.lafcu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Lafcu, we're dedicated to supporting your financial journey with clear choices and expert guidance every step of the way.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $370,303,566 in used vehicle loans and $82,613,550 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable pre-owned vehicle, our team can guide you through the financing process and ensure you find an option that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $22,847,159, tailored to meet your unique financial situation. Our mortgage specialists are here to help you navigate the process and answer any questions you may have.

Unsecured Credit Card Loans

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. These cards come with competitive rates and are designed to give you easy access to funds when you need them most.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a rigorous sourcing process. 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 commitment to reliable information guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency for all users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect actual market conditions. - Real-Time Rate Comparisons: The platform features up-to-date loan rates from multiple institutions, allowing users to make informed decisions based on current data. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of the service. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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