Lake Michigan Credit Union Cape Coral FL | Best Auto Loans & Mortgage Rates

Introduction

At Lake Michigan Credit Union, we believe in building a strong foundation for our members and the community. Located conveniently at 521 Del Prado Blvd S, Cape Coral, FL 33990, our branch has been serving the financial needs of our members since 1933. With a total membership of over 496,820, we are committed to providing personalized service and financial solutions that truly make a difference in your life. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 521 Del Prado Blvd S, Cape Coral, FL 33990-2618. Our dedication is reflected in our robust financial health, boasting total assets of over $14.38 billion and total deposits reaching $1.22 billion. This ensures that your money is not just safe but also working hard for you. With a net worth of approximately $1.64 billion, we have the strength to support you through every stage of life whether you need an auto loan, mortgage refinancing, or assistance with personal loans. Led by our CEO, Julie Leonard, and Board President, Gretchen Tellman, our team of 1,678 employees is passionate about helping you achieve your financial goals. We understand that banking is not just about numbers; it's about relationships and trust. Our services range from checking and savings accounts to business banking solutions tailored to meet your unique needs. We invite you to explore what makes Lake Michigan Credit Union special by visiting us or giving us a call at (239) 314-0529. Let us help you navigate your financial journey today! For more information about our services and offerings, check out our website at www.lmcu.org.

Branch History & Mission

Join Us Today

We invite you to experience everything Lake Michigan Credit Union has to offer. Whether you're looking for competitive loan rates or comprehensive banking services tailored to your needs, we're here for you. Visit us during our operating hours Monday through Thursday from 9:00 AM to 5:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM or explore our website at www.lmcu.org for more information. Join us today and discover how Lake Michigan Credit Union can help you achieve your financial dreams!

Our Journey

Since opening our doors, Lake Michigan Credit Union has been dedicated to providing exceptional financial services while fostering a sense of community. Over the years, we have expanded our offerings and resources, now boasting total assets of over $14 billion. This growth reflects not only our commitment to sound financial practices but also the trust and loyalty of our members. As we evolved, we embraced technological advancements to enhance member experiences. We now provide robust online and mobile banking options, allowing you to manage your finances anytime and anywhere. Additionally, our branch is ADA compliant and offers services such as drive-thru banking and ATM access for your convenience.

Our Mission

Our mission at Lake Michigan Credit Union is simple yet impactful: to improve the financial well-being of our members while actively contributing to the communities we serve. We understand that financial health goes beyond just banking; it involves building strong relationships and supporting local initiatives. Our efforts include partnerships with various organizations aimed at uplifting the Cape Coral community. While members can visit us at 521 Del Prado Blvd S for personal banking services like checking accounts, auto loans, mortgages, and business banking solutions, we also invite you to reach out via phone at 239-314-0529 for any inquiries or assistance you may need. As a member-driven credit union, we take pride in ensuring that every decision made is in the best interest of our members. With a total membership nearing 500,000 and ongoing outreach initiatives, we are committed to being more than just a financial institution; we strive to be a trusted partner in your journey toward achieving your financial goals.

Branch Location & Accessibility

Welcome to the Lake Michigan Credit Union at our convenient branch located at 521 Del Prado Blvd S, Cape Coral, FL 33990. Nestled in a bustling area, we're easily accessible for all your banking needs. Just a stone's throw away from popular spots like the Cape Coral Yacht Club and nearby shopping centers, our location ensures that you can stop by with ease while enjoying your day out. While members can visit us at our branch address, official correspondence should be sent to 521 Del Prado Blvd S, Cape Coral, FL 33990-2618. Our friendly team is ready to assist you during our inviting operating hours: Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Parking is ample and accessible right outside our doors, making it easy for you to pop in without hassle. We prioritize accessibility with features such as ADA-compliant ramps for those who may need them. And if you're on the go, take advantage of our drive-thru banking service for quick transactions without leaving your vehicle. At Lake Michigan Credit Union, we offer a variety of services tailored to fit your financial needs whether you're looking for personal banking options like checking and savings accounts or seeking loans for vehicles or mortgages. Plus, with an ATM available on-site, accessing your funds has never been easier. We invite you to visit us at our Cape Coral branch or give us a call at 239-314-0529. Our dedicated staff is eager to welcome you and help you achieve your financial goals!

Member Eligibility

At Lake Michigan, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the Cape Coral area, you're likely eligible to join us. We also extend membership to your family members, creating an inclusive environment where loved ones can benefit from our range of services together. By choosing Lake Michigan, you're not just opening an account; you're joining a network that prioritizes your financial well-being and success. To get started on your journey with us, simply visit our branch at 521 Del Prado Blvd S Cape Coral Fl 33990 or give us a call at (239) 314-0529 for more information about the eligibility criteria. You can also check out our detailed membership guidelines online at . We're excited to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,454 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $1,764,695,201, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

But we don't stop at loans. Our merchant services make transactions easier for you and your customers. Picture your customers paying with ease while you streamline operations and focus on what you do best running your business. From credit card processing to online payments, we ensure that you have the tools needed to thrive in today's market. Join us at Lake Michigan, located at 521 Del Prado Blvd S Cape Coral Fl 33990 in Cape Coral, FL, where we are dedicated to empowering local businesses like yours! For more information, give us a call at (239) 314-0529.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? We offer easy access to ATMs for withdrawals and balance checks. Our branch also features basic drive-thru banking where you can handle deposits and withdrawals without leaving your vehicle.

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options make purchasing a vehicle straightforward. With competitive rates and personalized assistance, you can drive off in your new car sooner than you think.

Business Banking

Running a business comes with its own set of challenges. Our business banking services, including merchant services and business loans, are designed to support local entrepreneurs. We want to see your business thrive!

Credit Cards with Rewards

Our credit cards with rewards program allows you to earn points on everyday purchases. Use your card for groceries, gas, or travel and watch your rewards grow!

Final Thoughts

At Lake Michigan on Del Prado Blvd, we strive to meet the diverse financial needs of our community members in Cape Coral. If you're ready to explore how we can assist you further or if you have any questions about our services, please don't hesitate to call us at 239-314-0529. Join us today and discover how we can help improve your financial journey!

Mortgage Loans & Refinancing

For those considering buying a home or refinancing their current mortgage, we provide comprehensive mortgage loans. Our knowledgeable staff is here to guide you through the process, ensuring that you find the right solution for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking, you can manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills all from your smartphone or computer.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer personal banking services including checking and savings accounts designed for every lifestyle. Whether you're saving for a vacation or managing day-to-day expenses, our accounts provide flexibility and easy access to your funds.

Personal Loans & Debt Consolidation

If you're looking to consolidate debt or need extra cash for an unexpected expense, our personal loans are here for you. We aim to help relieve financial stress by offering manageable repayment options tailored to fit your budget.

Digital & Online Banking

Key Features

For those who are always on the go, our mobile application brings the bank right to your pocket. You can manage your accounts with just a few taps check balances, deposit checks using your smartphone's camera, and even set up mobile payments for quick and easy transactions. Plus, with our person-to-person transfer feature, sending money to friends or family is simple and instant. Security is our top priority. We provide electronic signature authorization for online transactions, ensuring that your information stays safe while you enjoy the convenience of digital banking. Additionally, e-statements are available so you can keep track of your finances without the clutter of paper statements. Whether you're at home or out running errands, Lake Michigan ensures that you have all the tools necessary for real-time account management right at your fingertips. Join us today and discover how our digital banking services can enhance your financial experience!

Financial Strength

Commitment to Growth

With $1,594,899,679 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 members' financial goals across various sectors with $56,155 in used auto loans and $11,981,389,651 in total loans and leases.

Growing Community Trust

Total Share and Deposit Accounts stand at 1,286,000, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $119,129,434, we demonstrate our commitment to meeting your needs today and tomorrow. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lake Michigan is your trusted partner. Visit us at 521 Del Prado Blvd S Cape Coral Fl 33990 or call (239) 314-0529 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secured through $3,248,737,890 in share certificates and $4,023,291,048 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $42,879, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,576 full-time employees and 102 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $1,637,578,402, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,136 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, with over $838,829,803 in used vehicle loans and $175,403,814 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates designed to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We understand that businesses need reliable financial support to thrive, and we're committed to being there for you. If you're considering refinancing any existing loans or checking your eligibility for our various products, please reach out to us. We're here to discuss your options and guide you through the process. For more information about our loan offerings or to speak with one of our representatives, don't hesitate to call us at (239) 314-0529 or visit us at our branch located at 521 Del Prado Blvd S Cape Coral Fl 33990 in Cape Coral, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $716,130,857, make buying or refinancing simple. We offer various plans that can help ease the process and make your dream home a reality.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $200,170,787 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can help you save money while making everyday purchases.

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Lake Michigan