Lake Michigan Credit Union Saint Petersburg FL | Best Auto Loans & Business Banking

Introduction

At Lake Michigan, we believe in building strong financial futures for our members and the communities we serve. Located at 2180 4th St N, Saint Petersburg, FL 33704, our branch has been dedicated to providing exceptional service since 1933. With a total membership of 496,820 and total assets exceeding $14.38 billion, we are proud to be a trusted partner in your financial journey. Led by our passionate CEO, Julie Leonard, and Board President Gretchen Tellman, our team is committed to offering personalized banking solutions tailored to your needs. Whether you're looking for personal banking options like checking accounts and auto loans, or business services such as merchant services and business loans, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to the same location: 2180 4th St N, Saint Petersburg, FL 33704. Our financial strength is evident through our substantial total deposits of $1.22 billion and a net worth of over $1.64 billion. We also maintain a robust cash reserve of $72.5 million, ensuring we have the resources to support our members effectively. Join the thousands of satisfied members who trust Lake Michigan for their financial needs. Visit us today or call us at 727-209-0340 to learn more about how we can help you achieve your goals! For more information, feel free to explore our website at www.lmcu.org. Your future starts here!

Branch History & Mission

Our Evolution

Since opening our doors in the heart of Saint Petersburg, Lake Michigan has continuously evolved to meet the changing needs of our members. We started with basic banking services and have since expanded to offer a wide range of financial products including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our focus has always been on providing accessible financial services that empower individuals and businesses alike. As we grew, so did our dedication to innovation. We embraced digital advancements early on to ensure our members could easily manage their finances. Today, we offer online and mobile banking options that allow you to access your accounts anytime, anywhere. Whether it's through person-to-person payments or mobile deposits, we are committed to making your banking experience as convenient as possible.

Our Mission

At Lake Michigan, our mission is clear: we strive to enhance the financial well-being of our members while actively contributing to the communities we serve. We believe that banking should be about more than just transactions; it should be about building relationships and fostering growth. Our team is dedicated to understanding your unique needs and providing personalized solutions that can help you achieve your goals. We also prioritize community outreach and engagement. By partnering with local organizations and participating in various initiatives, we aim to give back and strengthen the fabric of Saint Petersburg. Whether it's through educational programs or charitable events, we are here not only as a financial institution but as a partner in progress for every member of our community.

Visit Us

While members can visit us at 2180 4th St N in beautiful Saint Petersburg, official correspondence should be sent to the same address. Our lobby hours are Monday through Friday from 9 AM to 4 PM, with drive-thru service available until 5 PM for added convenience. Additionally, our ATM is accessible around the clock. Join us at Lake Michigan! Experience firsthand how we can support your financial journey while being an active part of the community. With our dedicated staff ready to assist you at every turn whether by phone at 727-209-0340 or in person we welcome you to become part of our family today!

Branch Location & Accessibility

Easy Access and Parking

We know how important convenience is for our members. Our location offers ample parking, making it simple for you to visit us anytime during our lobby hours from Monday to Friday, 9 AM to 4 PM. If you prefer to use our drive-thru service, we're open from 9 AM to 5 PM on the same days, allowing for quick transactions without leaving your vehicle.

Services Tailored for You

At Lake Michigan, we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgages. Need cash? Our ATM is available on-site for your convenience. We're dedicated to providing quality service that fits into your busy lifestyle. While members can visit us at our physical location, any official correspondence should be sent to the same address: 2180 4th St N, Saint Petersburg, FL 33704.

Visit Us Today!

We invite you to drop by and experience the difference at Lake Michigan. Whether you want help with an account or just have questions about our services, give us a call at 727-209-0340 or stop in during business hours. We look forward to welcoming you into our community!

Welcoming Environment

Our branch is designed with accessibility in mind, featuring ADA-compliant facilities so everyone can bank with ease. We strive to create a welcoming atmosphere where you can feel comfortable discussing your financial goals or simply managing your everyday banking tasks.

Member Eligibility

At Lake Michigan, we believe that becoming a member means joining a warm and welcoming community where your financial goals are supported every step of the way. If you're looking to join us, you'll be pleased to know that membership is open to individuals who live, work, or worship in our service area, as well as their family members. This inclusive approach ensures that everyone can take advantage of our personalized banking services designed just for you. For those interested in specific eligibility details, we encourage you to check out our resource at for the most up-to-date information. Opening an account with Lake Michigan is a breeze! You can start your journey towards better financial health by visiting us at our branch located at 2180 4Th St N Saint Petersburg Fl 33704. Our friendly team is ready to assist you in the account opening process, whether in-person or over the phone at (727) 209-0340. We're here to make your transition into our member community as smooth as possible, so don't hesitate to reach out if you have any questions or need assistance!

Business Banking & Commercial Services

Financing 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.

Merchant Services that Matter

In today's fast-paced market, having the right tools can make all the difference. Our merchant services streamline payment processing, making transactions easier for you and your customers. Imagine a busy Saturday at your shop; with our services, you can accept payments swiftly, ensuring customer satisfaction while you focus on delivering great service. If you're ready to take your business to the next level, visit us at 2180 4Th St N Saint Petersburg Fl 33704 in Saint Petersburg, FL or give us a call at (727) 209-0340. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

ATM Access & Drive-Thru Services

We know that accessing cash should be easy. Our branch provides ATM services for withdrawals and balance checks whenever you need them. Plus, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for busy days!

Business Banking Services

For our business members, we understand that every dollar counts. Our business banking services, including merchant services and business loans, are designed to help entrepreneurs thrive. Whether you're starting a new venture or expanding an existing one, we're here to support your goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Lake Michigan, we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even make person-to-person payments with just a few taps on your smartphone.

Get Started Today!

If you're ready to explore how Lake Michigan can enhance your financial journey, don't hesitate to reach out! Call us at 727-209-0340 or visit us at our branch in Saint Petersburg. Whether you're looking for personal banking solutions or business support, we're here to help you every step of the way!

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options designed to help you manage your money effectively. Our checking and savings accounts provide a solid foundation for your daily financial activities. Whether you're saving for a vacation or need quick access to funds for everyday expenses, our accounts are tailored to meet your needs. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help make your dream car a reality. We understand that buying a car is a significant investment, so we offer competitive rates and flexible terms to fit your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services simplify the process. We'll guide you through each step, ensuring you feel confident in your decisions. Additionally, if you're facing unexpected expenses or planning a big purchase, our personal loans and debt consolidation options can provide the financial support you need without added stress. We also offer credit cards with rewards, allowing you to earn benefits while making everyday purchases.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at http://www.lmcu.org, you can check your balance, pay bills, and transfer funds without stepping foot in the branch. The user-friendly interface ensures that you can navigate your finances with ease. Whether you're on your lunch break or relaxing at home, managing your money has never been more convenient.

Mobile Application Features

Our mobile application takes banking on-the-go to the next level. You can make mobile payments effortlessly and send money through person-to-person transfers right from your phone. Plus, if you prefer a paperless approach, e-statements are available for quick access to your financial records. And if you need to sign documents, our electronic signature authorization makes it a breeze.

Security You Can Trust

We prioritize your security with advanced measures in place to keep your information safe while you bank online. Your peace of mind is important to us, and our commitment to providing secure services means you can focus on what matters most your financial goals. In summary, whether you're using our mobile app or accessing your accounts online at http://www.lmcu.org, Lake Michigan offers an array of features to help you manage your finances easily and securely. Join us today and experience the freedom of digital banking!

Financial Strength

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. Additionally, Net Shares available for lending and investments amount to $119,129,434, demonstrating our ability to meet the needs of our members effectively. 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 2180 4Th St N Saint Petersburg Fl 33704 or call (727) 209-0340 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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.

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.

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.

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.

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 financing a brand-new vehicle or want to save on a reliable used one, we have options that cater to your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. Whether you need funding for equipment, inventory, or other business-related expenses, we're here to support your entrepreneurial journey. At Lake Michigan, we're dedicated to providing tailored solutions that fit your needs. If you're considering refinancing or exploring eligibility options, our team is here to guide you through every step of the process. For any questions or further assistance, feel free to reach out to us at (727) 209-0340 or visit us at our branch located at 2180 4Th St N Saint Petersburg Fl 33704, Saint Petersburg, 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. Explore our loan offerings today and take the next step toward achieving your financial goals!

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 flexible terms and competitive rates to help you secure the home of your dreams or refinance your existing mortgage for better savings.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be tricky. 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. Enjoy the convenience of cashless transactions along with rewards that can make everyday spending more beneficial.

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Lake Michigan