Lake Michigan Credit Union Lakeland FL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Lake Michigan Credit Union, where we prioritize your financial well-being! Located at 439 S Florida Ave, Lakeland, FL 33801, our branch has been serving the community since 1933. With a strong commitment to providing exceptional service and support, we are proud to have grown our membership to 496,820 members who trust us with their financial needs. At Lake Michigan Credit Union, we believe in the power of community. Our total assets exceed an impressive $14.38 billion, reflecting our stability and ability to serve you better. With $1.22 billion in total deposits and a net worth of $1.64 billion, we ensure that your money is safe and secure while also working hard to help you achieve your financial goals. Our team is led by the dedicated CEO, Julie Leonard, and Board President, Gretchen Tellman. Together, they foster an environment focused on member satisfaction and community involvement. We employ 1,678 talented individuals who are always ready to assist you with services ranging from personal banking to business loans. While you can visit us at our physical location for all your banking needs, please remember that official correspondence should be directed to the same address: 439 S Florida Ave, Lakeland, FL 33801. Whether you're looking for auto loans, mortgages, or credit card rewards, we've got you covered! Our comprehensive suite of services is designed with you in mind. If you have questions or need assistance, don't hesitate to reach out by calling us at 863-513-1200. Join us today and experience the difference that Lake Michigan Credit Union can make in your financial journey! For more information about our offerings, please visit our website at www.lmcu.org.

Branch History & Mission

Commitment to Accessibility

We also take pride in embracing modern banking conveniences while ensuring accessibility for all members. While we don't currently offer ATM services at this branch, we do provide essential drive-thru banking options for quick transactions like deposits and withdrawals. Our lobby hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 5 PM.

Join Us Today!

As we continue on this journey of growth and service excellence, we invite you to become part of the Lake Michigan Credit Union family. Experience firsthand how we can assist you with your financial needs while making a difference in the community. Call us today at 863-513-1200 or visit us at our branch to learn more about what we can offer you!

Our Journey

Located at 439 S Florida Ave, Lakeland, FL 33801, our branch stands as a beacon of support for individuals and families alike. In the heart of Polk County, we are proud to be part of a vibrant community that values collaboration and growth. Since opening our doors, we have focused on building strong relationships with our members while adapting to their ever-changing needs. Today, our total assets amount to an impressive $14,380,227,851, allowing us to offer a wide range of products and services tailored to help you achieve your financial goals.

Our Mission

At Lake Michigan Credit Union, our mission is simple: to improve the lives of our members through exceptional service and innovative financial solutions. We understand that each member's journey is unique, which is why we prioritize personalized support and community involvement. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, our dedicated team is here to assist you every step of the way. We believe in giving back to our community as much as we believe in helping our members thrive. From local partnerships to outreach initiatives, we strive to make a positive impact in Lakeland and beyond.

Branch Location & Accessibility

Connect With Us Today!

Have questions or want to learn more about how we can assist you? Don't hesitate to give us a call at 863-513-1200. Our friendly team is ready and eager to help! We look forward to welcoming you soon at Lake Michigan Credit Union's Lakeland branch!

Convenient Banking Hours

We know your time is valuable. That's why our lobby hours are tailored to fit your busy schedule: Monday to Thursday from 9 AM to 4 PM, and Friday from 9 AM to 5 PM. We're here when you need us most!

Easy Access and Parking

Finding us is simple! Our branch is designed with accessibility in mind. We offer ample parking, including ADA-compliant spaces for those who need them. Whether you prefer visiting us in person or utilizing our drive-thru service for quick transactions, we've got you covered. Our drive-thru hours are Monday through Friday from 8:30 AM to 5 PM, perfect for those on the go.

Services Designed for You

At our Lakeland branch, we offer a variety of services that cater to all your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're dedicated to helping you manage your finances effectively. Plus, with options like online and mobile banking, accessing your account is as easy as tapping your phone. While members can visit us at our physical location, official correspondence should be sent to the same address: 439 S Florida Ave, Lakeland, FL 33801.

Member Eligibility

At Lake Michigan, we believe that joining our community is about more than just banking it's about being part of something special. To become a member, you simply need to meet a few friendly criteria that make you eligible for our services. Generally, individuals who live, work, worship, or attend school in the areas we serve can join us. This means if you're part of the vibrant community around 439 S Florida Ave Lakeland Fl 33801, there's a good chance you're eligible! We want to make your experience as smooth as possible, so feel free to give us a call at (863) 513-1200 if you have any questions or want to chat about how to get started. Opening an account with us is straightforward and welcoming. You can find all the details you need about eligibility and account opening on our website at . We're excited to offer a range of benefits to our members, from personalized service to competitive rates on loans and savings accounts. With us, you're not just another number; you're part of a supportive family that cares about your financial journey!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Our merchant services simplify daily operations for business owners. Imagine processing payments easily and securely, allowing you more time to focus on what matters growing your business. Whether you're accepting credit cards at your store or managing online transactions, we provide reliable support tailored to your needs. Visit us at 439 S Florida Ave Lakeland Fl 33801, Lakeland, FL, or call us at (863) 513-1200 to learn how we can assist you in reaching your business goals!

Tailored Business Loan Options

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

Accessing Your Funds

Need cash? While we don't have ATMs at this location, our drive-thru banking service allows for quick deposits and withdrawals without leaving your vehicle. You can handle simple transactions swiftly while enjoying the comfort of being in your car. At Lake Michigan, we're more than just a credit union; we're your financial partner dedicated to helping you succeed. If you're interested in learning more about our services or have any questions, please feel free to reach out at 863-513-1200. We invite you to visit us at our branch or check out our website at http://www.lmcu.org for further details. Let's take the next step in achieving your financial goals together!

Business Banking Services

For our business members, we provide essential banking tools like merchant services and business loans to help grow and sustain your enterprise. We know running a business comes with its challenges, so our dedicated team is here to simplify banking for you.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying connected with your money has never been easier.

Credit Cards and Rewards

Our credit cards with rewards not only make everyday purchases more rewarding but also give you benefits that can enhance your lifestyle. Whether it's cash back on groceries or travel points for your next vacation, we offer options that suit your spending habits.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a special purchase or just need a reliable place for your day-to-day expenses, we've got you covered. For those looking to drive their dreams home, our auto loans and vehicle financing options make purchasing a new car easier than ever. Thinking about buying a home? Our mortgage loans and refinancing services can guide you through the process, ensuring that you find the right fit for your budget. If you're facing unexpected expenses or need help consolidating debt, our personal loans are here to provide the financial relief you might be looking for.

Digital & Online Banking

E-Statements & Mobile Features

Keeping track of your finances is a breeze with our e-statements availability. You can receive your bank statements electronically, which means no more paper clutter! This not only helps the environment but also gives you quick access to your financial information. For those who prefer to manage their accounts on their mobile devices, our user-friendly mobile application is here to help. You can make mobile payments easily and quickly just tap and go! Additionally, our person-to-person transfer feature allows you to send money to friends or family with just a few clicks.

Security and Accessibility

Your security is our priority. All transactions through our digital services are protected by advanced encryption technology. We strive to make sure that your data remains safe while giving you easy access to all the banking tools you need. At Lake Michigan, we believe that banking should fit seamlessly into your lifestyle. Our online services are designed for ease-of-use so that you can manage your money in real-time whenever and wherever it works best for you. Whether you're checking balances or making payments, we've got you covered!

Financial Strength

Commitment to Innovation

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 Membership Base

Total Share and Deposit Accounts: 1,286,000, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $119,129,434. 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 439 S Florida Ave Lakeland Fl 33801 or call (863) 513-1200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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 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.

Loan Offering

Additional Services

In addition to these loan offerings, our team at Lake Michigan is dedicated to providing exceptional service and support throughout your borrowing journey. If you're considering refinancing or would like to know about eligibility options for any of our products, don't hesitate to reach out. For any questions or to discuss how we can assist you further, feel free to call us at (863) 513-1200, or visit us at our location: 439 S Florida Ave Lakeland Fl 33801 in Lakeland, 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. Your financial success is our priority!

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 eyeing a brand-new model or a reliable used vehicle, we have financing options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. Whether you need funds for inventory, equipment, or operational costs, we have solutions tailored for small businesses.

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 competitive rates and flexible terms that can be tailored to your unique situation.

Unsecured Credit Cards

Managing everyday expenses just got easier with our 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. Enjoy the freedom of making purchases without immediate cash outlays.

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 approach ensures that users receive fair and transparent offers. Each loan comparison is backed by verified data, giving you peace of mind when exploring your options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" This testimony highlights the effectiveness and reliability of our platform. Ready to take the next step? 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