Lake Michigan Credit Union Estero FL | Affordable Vehicle Loans & Top Checking

Introduction

At Lake Michigan Credit Union, we understand that financial decisions can shape your future. Located conveniently at 21910 S Tamiami Trl, Estero, FL 33928, our branch has been serving the community since 1933, making us a trusted partner for generations. With over 496,820 members and assets totaling $14,380,227,851, we pride ourselves on being more than just a financial institution we're a community hub dedicated to helping you achieve your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, our experienced team is here to assist you every step of the way. Under the leadership of CEO Julie Leonard and Board President Gretchen Tellman, our staff of 1,678 employees is committed to providing exceptional service tailored to your needs. While members can visit us at our Estero branch for in-person assistance, official correspondence should be sent to the same address. With total deposits amounting to $1,216,867,746 and a net worth of $1,637,578,402, we have the resources necessary to support you effectively. We invite you to experience the difference that a member-focused credit union can make. Feel free to reach out at 239-314-0542 or visit our website at www.lmcu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

A Legacy of Growth

Since opening our doors in the early days of the Great Depression, Lake Michigan has remained committed to providing exceptional financial services while supporting our local community. Over the years, we have adapted to meet the evolving needs of our members. Today, we offer a wide array of services including personal and business banking solutions, auto loans, mortgage loans, and credit card options with rewards. Our branch's journey reflects not just growth in numbers but also in relationships. We believe that financial health is vital for everyone; hence our mission centers on empowering individuals and families by providing them with the tools they need to thrive financially.

Community Engagement

Beyond banking services, we actively engage in community outreach initiatives. We partner with local organizations and participate in events that uplift those around us. This commitment reinforces our belief that strong communities lead to strong financial futures. While members can visit us at 21910 S Tamiami Trl Estero Fl 33928, official correspondence should be sent to 21910 S Tamiam Trl, Estero, FL 33928 if it differs from our physical location. As you consider your financial future, we invite you to join Lake Michigan Credit Union. Experience firsthand how we prioritize your needs and work together toward achieving your dreams. Visit us today or call us at (239) 314-0542 your journey towards better financial health starts here!

Our Mission

At Lake Michigan Credit Union, our mission is simple yet profound: to help our members achieve their financial goals while fostering a sense of community. We strive to deliver outstanding customer service and create meaningful connections through our offerings. Whether it's through innovative digital banking solutions or personalized assistance at our branch, we are dedicated to making your banking experience as smooth as possible. We understand that accessibility is crucial. That's why we are proud to provide ATM access and drive-thru banking services for those who prefer convenience without compromising quality. Our operating hours are designed to accommodate busy schedules: 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.

Branch Location & Accessibility

Get in Touch

If you have questions or need assistance before your visit, feel free to give us a call at 239-314-0542. We are here for you! While members can visit us at the branch address mentioned above, please note that any official correspondence should be sent to the same address. We invite you to come see how Lake Michigan can make your banking experience more enjoyable. Stop by today and discover the difference!

Operating Hours

We understand that life can be busy, so we strive to provide flexible hours that work around your schedule. You can visit us Monday through Thursday from 9:00 AM to 5:30 PM, Fridays until 6:00 PM, and Saturdays from 9:00 AM to 1:00 PM. Whether you need help with personal banking or want to explore loan options, our team is ready to assist you during these hours.

Services Offered

At Lake Michigan, we offer a wide range of services designed to support both your personal and business financial needs. From checking and savings accounts to auto loans and mortgages, we are committed to providing solutions that empower you financially. Plus, with our drive-thru service available for quick deposits and withdrawals, banking has never been easier!

Visit Us

Our location is designed with your convenience in mind. We offer ample parking for our members, ensuring that you have a hassle-free experience every time you visit. Our branch is accessible and fully ADA compliant, featuring ramps and other accommodations to make banking easier for everyone.

Member Eligibility

Becoming a member of Lake Michigan feels like joining a close-knit family where everyone supports each other's financial journeys. If you're looking to be part of our community, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the area. It's easy to become part of our cooperative spirit! At Lake Michigan, we believe that everyone deserves access to personalized financial services and support. If you want to learn more about the specific eligibility requirements, feel free to check out the details at . And when you're ready to take the next step, opening an account is simple and convenient. Just give us a call at (239) 314-0542, or visit us at our branch located at 21910 S Tamiami Trl Estero Fl 33928. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine accepting payments seamlessly at your store or online, giving your customers the convenience they expect. Our tools help streamline operations and enhance customer satisfaction. Visit us at 21910 S Tamiami Trl Estero Fl 33928, Estero, FL, or give us a call at (239) 314-0542 to discover how we can partner with you for success!

Tailored Loan Solutions

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,764,695,201, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

We also provide essential ATM and cash withdrawal services for quick access to your funds. Our basic drive-thru banking allows for easy deposits and withdrawals without stepping out of your vehicle. Plus, our ATMs are available for balance checks as well as cash withdrawals. At Lake Michigan, we strive to meet all of your financial needs under one roof. Whether you're managing personal finances or running a business, we're here to support you every step of the way. If you want to learn more about how our comprehensive list of services can benefit you, don't hesitate to call us at (239) 314-0542 or visit us at http://www.lmcu.org. Join us today and discover how we can help you achieve your financial goals!

Business Banking Services

If you're a business owner, our business banking services include everything from merchant services to tailored business loans that can help your company grow. We understand that every business is unique, which is why we offer solutions that fit various needs.

Credit Options for Everyone

Our credit cards with rewards give you the chance to earn while you spend, making everyday purchases more rewarding. Whether you're planning a trip or just doing groceries, every swipe counts towards exciting benefits.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking features so you can manage your accounts anytime, anywhere. With our user-friendly mobile app, accessing your finances has never been easier whether it's checking your balance or making a transfer on the go.

Personal Banking Solutions

When it comes to personal banking, we have you covered. Our checking and savings accounts are designed to fit your lifestyle, helping you manage your finances easily. If you're in the market for a new vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank. For those considering buying a home, our mortgage loans and refinancing services provide competitive rates and flexible terms. We also offer personal loans and debt consolidation options to help you manage expenses or consolidate existing debts into one easy payment.

Digital & Online Banking

Accessibility and Ease of Use

We believe that banking should be simple. That's why all these features are designed with you in mind making it easier than ever to manage your accounts in real-time. Whether you're checking your balance during lunch or transferring money while waiting in line, our digital services are always available. Experience the ease of banking with Lake Michigan today! Visit us online at http://www.lmcu.org and discover how our digital banking solutions can fit into your lifestyle.

Key Features

Our 24/7 online banking services make it easy for you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Want to send money quickly? Our person-to-person transfers allow you to send funds directly to friends or family with just a few taps on your smartphone. For those who prefer managing their accounts via mobile devices, our mobile application provides a secure and convenient way to handle banking tasks from anywhere. Plus, with our mobile payments feature, you can easily make purchases without needing cash or cards. Security is a top priority at Lake Michigan. We provide electronic signature authorization for important documents, ensuring that your transactions are not only quick but also safe. Additionally, our e-statements service allows you to receive your account statements electronically, reducing paper clutter while keeping your information secure.

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our $0, allowing 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 who are always ready to serve you with a knowledgeable and committed team.

Investment in Future 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 your financial goals with $56,155 in used auto loans and a total of $11,981,389,651 in loans and leases across various sectors.

Member-Centric Approach

Members' 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.

Strong Financial Health

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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $119,129,434. Total Share Accounts: 1,286,000, 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, Lake Michigan is your trusted partner. Visit us at 21910 S Tamiami Trl Estero Fl 33928 or call (239) 314-0542 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in a new or used vehicle, we can assist you in finding the right financing option that fits 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 running a business comes with challenges; let us support you with financing options tailored for business growth. If you're considering refinancing any existing loans or would like to learn more about eligibility options for any of our products, please reach out. Our team is ready to assist you every step of the way. For more information about our loan offerings or to get started today, visit us at our branch located at 21910 S Tamiami Trl Estero Fl 33928, or give us a call at 239-314-0542. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future is important to us let's work together to achieve it!

Credit Lines

Our credit lines are also a great resource for those who want flexibility in managing their expenses. With total credit lines amounting to $3,484,836,767, we are here to help you find a solution that meets your unique needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $716,130,857. These competitive rates and flexible terms can help you step into your dream home sooner than you think.

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. This option can provide you with the convenience and purchasing power you need without needing collateral.

Loan Aggregator

Accurate Loan 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 ensures that all offers presented are fair and transparent, giving users confidence in their choices.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This commitment to sourcing ensures that users receive accurate information and avoid misleading deals. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The aim is to provide unbiased results so users can trust they are seeing the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This timely information helps individuals make well-informed decisions tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

Lake Michigan