Lake Michigan Credit Union Port Charlotte FL | Quick Personal Loans & Top Checking

Introduction

Welcome to Lake Michigan, your trusted credit union located at 2120 Kings Hwy, Port Charlotte, FL 33980. Established in 1933, we have built a strong foundation of trust and reliability over the years, proudly serving our community with a focus on member satisfaction. With a total membership of 496,820, we are committed to providing personalized financial solutions tailored to meet your needs. At Lake Michigan, we understand that managing your finances can be challenging. That's why we offer a range of services designed to help you succeed, from checking and savings accounts to auto loans and mortgages. Our total assets amount to an impressive $14,380,227,851, ensuring that we have the resources necessary to support our members effectively. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: 2120 Kings Hwy, Port Charlotte, FL 33980. We're also proud to share that we hold a net worth of $1,637,578,402 and have total deposits of $1,216,867,746. This reflects our commitment not only to your financial growth but also to the stability and success of our credit union. Led by our dedicated CEO Julie Leonard and Board President Gretchen Tellman, our team of 1,678 employees is here to assist you every step of the way. Whether you're looking for personal loans or business banking solutions, we're ready to help you achieve your financial goals. Feel free to reach out to us at 941-258-3055 during our operating hours Monday through Friday from 9 AM to 5 PM. Visit us online at http://www.lmcu.org for more information about our services or stop by the branch today! Your journey towards financial wellness starts here at Lake Michigan!

Branch History & Mission

A Commitment to Innovation

As we continue to grow, we remain dedicated to embracing new technologies that enhance your banking experience. Our digital services include online banking, mobile payments, and electronic signatures all designed with your convenience in mind. Plus, our branch is ADA compliant to ensure accessibility for all members. With an ATM available for quick access to your funds and drive-thru banking options for efficient service, we aim to make your experience as smooth as possible.

Join Us Today!

We invite you to become part of the Lake Michigan family and discover the many benefits of membership. Whether you're looking to open a new account or explore loan options, our team is ready to assist you every step of the way. Together, let's build a brighter future for you and our community. For more information or assistance, feel free to contact us at 941-258-3055 during our lobby hours from Monday through Friday between 9 AM and 5 PM. We look forward to serving you!

Our Mission

At Lake Michigan Credit Union, our mission is clear: to provide exceptional financial services while enhancing the quality of life for our members. We believe in empowering individuals and families through accessible banking solutions that meet their unique needs. Our offerings include checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Moreover, we understand the importance of community involvement. Our commitment extends beyond financial transactions; we actively participate in local initiatives and partnerships aimed at supporting those around us. We strive to make a positive impact by contributing to various charitable organizations and programs that benefit our communities.

Branch Location & Accessibility

Convenient Access and Features

When you visit us, you'll find ample parking available right outside our doors. We pride ourselves on being an ADA-compliant facility, ensuring everyone can access our services without hassle. Plus, if you're looking for quick banking options, we offer both ATM access and drive-thru services for your convenience.

Friendly Operating Hours

Our friendly team is ready to assist you Monday through Friday from 9 AM to 5 PM. Whether you need help with personal banking, auto loans, or business services, we are committed to making your experience pleasant and efficient.

Get in Touch

If you have any questions or want more information about our services, feel free to give us a call at 941-258-3055. We invite you to visit us at Lake Michigan Credit Union your financial journey starts here!

Member Eligibility

At Lake Michigan, we're excited to welcome you into our community of members! Joining is a simple and inclusive process designed to help you access the financial services you need. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to become a member. We believe that everyone deserves access to personalized banking solutions, which is why we make it easy for you to get started. Whether you're looking for checking and savings accounts, loans, or just want to enjoy our friendly service, becoming part of our family means you'll have support every step of the way. To find out more about membership criteria or to see if you're eligible, please visit this link. If you're ready to open an account or have questions, don't hesitate to reach out at (941) 258-3055. We're here to help you thrive financially at 2120 Kings Hwy Port Charlotte Fl 33980!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine a bustling café that seamlessly processes payments from customers using various methods credit cards, mobile wallets, and more all while ensuring quick service. Our solutions enable businesses like yours to focus on what you do best: serving your customers. With an outstanding commercial loan portfolio of $1,764,695,201, we continue to drive economic growth by financing new and expanding businesses. Whether you're looking for a small loan to manage cash flow or a larger investment for expansion, Lake Michigan is here to help you succeed. Reach out today at (941) 258-3055 or visit us at 2120 Kings Hwy Port Charlotte Fl 33980 in Port Charlotte, FL!

Tailored Commercial 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. This funding has empowered local entrepreneurs to expand their operations, invest in new technology, and create jobs in our community.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we also offer specialized services under our Business Banking category. With Merchant Services & Business Loans, we aim to empower local businesses in Port Charlotte by providing them with essential tools and financing options that help them thrive.

Convenient Access

We know that convenience is key in today's fast-paced world. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. You can easily perform transactions through our app or website whether it's checking balances or transferring money between accounts. Our branch also provides essential services like ATM & Cash Withdrawal Services, which are available around the clock for quick access to cash when you need it most. Additionally, our basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your vehicle perfect for busy days!

Get Started Today!

At Lake Michigan, we are dedicated to making banking easier for you. With an array of services designed with your needs in mind, we're here to help you navigate every financial journey confidently. For any questions or assistance, feel free to reach us at 941-258-3055 during our lobby hours from Monday through Friday, 9 AM - 5 PM. Take control of your financial future today! Visit us at lmcu.org and discover how we can assist you in achieving your goals!

Personal Banking Services

When it comes to personal banking, we've got you covered. Our Checking & Savings Accounts make managing your day-to-day finances simple and stress-free. Imagine effortlessly tracking your spending with our online and mobile banking platforms perfect for the busy lifestyle! Whether you're saving for a special occasion or need quick access to funds, our accounts provide the flexibility you need. If you're in the market for a new vehicle or looking to refinance, our Auto Loans & Vehicle Financing options can help get you on the road faster. Picture driving off in that new car without the worry of high-interest rates. With competitive terms and conditions, we work hard to make auto financing easy. For those considering buying a home or refinancing their existing mortgage, our Mortgage Loans & Refinancing services offer solutions tailored to fit your budget and lifestyle. We understand that purchasing a home is one of the biggest decisions you'll make, and we're here to guide you every step of the way.

Personal Loan Options

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's consolidating debt or covering emergency costs, we provide flexible options designed to ease your financial burden. And let's not forget about credit! Our Credit Cards with Rewards allow you to earn while you spend. From travel perks to cashback options, using your card can lead to exciting rewards that enhance your lifestyle.

Digital & Online Banking

Key Features

Our 24/7 online banking service ensures that you have access to your account at any time. Whether you're at home or on the go, you can manage your finances with ease. Plus, our mobile application makes it even simpler to conduct transactions right from your smartphone. You can also make mobile payments, allowing you to pay for goods and services quickly and securely. For those who prefer paperless statements, we offer e-statements that are easy to access and environmentally friendly. And if you ever need to sign documents, our electronic signature authorization feature lets you do so without any hassle.

Stay Connected and Secure

Sending money to friends or family is a breeze with our person-to-person transfer option. You can send money instantly with just a few taps on your phone. Throughout all these services, we prioritize your security with advanced measures in place to protect your information. With everything from online banking to mobile payments, Lake Michigan provides the tools you need for real-time account management. Experience the convenience and peace of mind that comes from banking with us!

Financial Strength

Member Trust

The strength of our member base is highlighted by the 1,286,000 total share accounts, demonstrating the trust that our community places in us. With net shares available for lending and investments totaling $119,129,434, we're well-positioned to meet your needs. 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 2120 Kings Hwy Port Charlotte Fl 33980 or call (941) 258-3055 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is evident in our net income of $0, which allows 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 ensure our branches are always ready to serve you with a knowledgeable, committed team.

Our 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. This solid foundation is further reflected in our net worth ratio of $1,136, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for 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 across various sectors with $56,155 in used auto loans and $11,981,389,651 in total loans and leases.

Secure Savings Options

Your savings matter to us. Members' funds 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 focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

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 make it easy for you to get behind the wheel with flexible terms and competitive interest rates.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We understand the challenges of running a business and are committed to helping you succeed.

Credit Lines

If you're looking for additional flexibility in your finances, our credit lines totaling $3,484,836,767 can provide just that. This option allows you to access funds whenever you need them without having to reapply each time.

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 aim to guide you through each step of the process, ensuring that you find the right solution for your housing needs.

Refinancing Options

If you're considering refinancing any existing loans, be sure to ask about our options. We can work with you to find solutions that fit your current financial situation. To explore these loan offerings further or if you have any questions, feel free to contact us at (941) 258-3055 or visit us at our branch located at 2120 Kings Hwy Port Charlotte Fl 33980 in Port Charlotte, FL. Our dedicated team is here to assist you Monday through Friday from 9 AM to 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial goals!

Unsecured Credit Card Loans

Managing everyday expenses is important, and that's why 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 benefits designed to give you peace of mind while shopping or traveling.

Loan Aggregator

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Lake Michigan