Lake Michigan Credit Union Sun City Center FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lake Michigan, your trusted partner in financial wellness located at 1653 Sun City Center Plz, Sun City Center, FL 33573. Since our establishment in 1933, we've been dedicated to providing exceptional service and a wide range of financial solutions tailored to meet the needs of our community. With a total membership of over 496,820 individuals, we pride ourselves on being a member-focused credit union where your financial goals are our priority. Our commitment to you goes beyond just numbers; it's about building relationships. With total assets amounting to an impressive $14,380,227,851, we have the strength and stability to support your financial journey. Our offerings include everything from personal banking services like checking and savings accounts to various loan options such as auto loans, mortgages, and business financing. At Lake Michigan, we understand that trust is earned through transparency. That's why we're proud to share that our total deposits stand at $1,216,867,746 and our net worth is a robust $1,637,578,402. With $72,514,751 in cash on hand and a solid net member business loan balance of $2,168,297,000, we are well-equipped to help you achieve your financial aspirations. Led by our dedicated CEO Julie Leonard and Board President Gretchen Tellman, our team is here to provide guidance every step of the way. Whether you're looking for advice on managing your finances or seeking assistance with loans, we're just a phone call away at 813-634-8001. While members can visit us at our branch for any inquiries or services during our lobby hours from Monday to Friday between 9 AM and 5 PM, official correspondence should be sent to our mailing address at the same location: 1653 Sun City Center Plz Ste 101, Sun City Center, FL 33573. Join us today and discover how Lake Michigan can help you secure a brighter financial future! Visit us online at www.lmcu.org or give us a call we're excited to serve you!

Branch History & Mission

Growth and Community Engagement

Since our inception, we've seen remarkable growth and innovation. With advancements in online and mobile banking, we ensure that our members have access to their finances anytime and anywhere. We also prioritize accessibility by complying with ADA standards so everyone can benefit from our services. Additionally, we proudly offer ATM access for quick transactions. Our branch operates Monday through Friday from 9 am to 5 pm, making it easy for you to visit us during your day. While members can find us at our physical location, official correspondence should be sent to the same address: 1653 Sun City Center Plz, Sun City Center, FL 33573.

Join Us

As we look forward to the future, we invite you to be part of our journey. By choosing Lake Michigan Credit Union as your financial partner, you're not just opening an account you're joining a community focused on helping each other succeed financially. Experience the difference today; call us at 813-634-8001 or visit our website at www.lmcu.org to learn more about becoming a member. Together, let's build a brighter financial future!

Our Mission

At Lake Michigan Credit Union, our mission is clear: to provide personal banking services that empower our members and support the communities we serve. We strive to offer products that cater to individual financial needs whether it's checking and savings accounts, auto loans, mortgages, or credit cards with rewards. Our commitment goes beyond just banking; we are dedicated to giving back through community outreach programs and partnerships that enhance the quality of life for residents in Sun City Center and beyond.

Branch Location & Accessibility

Welcome to Lake Michigan's Sun City Center - Encore branch, your friendly neighborhood credit union located at 1653 Sun City Center Plz, Sun City Center, FL 33573. Our branch is conveniently situated near popular local spots, making it easy for you to drop by while you're out and about. Whether you're heading to the nearby shops or enjoying a day at the local parks, we're just a short drive away! At our branch, we prioritize accessibility for all members. We have ample parking available and features designed to accommodate everyone, including ADA-compliant access points. This means that whether you're coming in for a quick transaction or a detailed consultation, we've got you covered. Our lobby hours are designed with your busy schedule in mind open Monday through Friday from 9 AM to 5 PM, we're here when you need us most. If you prefer self-service banking options, we also have an ATM on-site for quick cash withdrawals and balance checks. While members can visit us at our physical address for all your banking needs, any official correspondence should be sent to the same mailing address: 1653 Sun City Center Plz, Sun City Center, FL 33573. We offer a variety of services tailored to meet your financial needs whether it's personal banking, auto loans, mortgages, or business services. Our team is ready to assist you with anything from checking and savings accounts to credit card rewards programs. So why wait? We invite you to visit our branch today or give us a call at 813-634-8001 if you have any questions. At Lake Michigan Credit Union, we're dedicated to serving our community with care and convenience!

Member Eligibility

At Lake Michigan, we believe that everyone deserves to be part of a welcoming community focused on financial well-being. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our area. We are here to support you with a range of financial products and services designed to meet your unique needs. Plus, as a member, you'll enjoy lower fees and better rates than traditional banks. To find out more about the specific eligibility criteria, feel free to check out our detailed information at . When you're ready to join, opening an account is a breeze! Just give us a call at (813) 634-8001 or visit us at 1653 Sun City Center Plz Sun City Center Fl 33573. We can't wait to welcome you into the Lake Michigan family!

Business Banking & Commercial Services

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. This funding has empowered local entrepreneurs to hire more staff, upgrade equipment, and enhance their services. - 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

Running a business means handling transactions smoothly. Our merchant services are designed with you in mind, providing convenient payment processing options that make it easy for customers to shop with you. Imagine a busy Saturday at your store having the right tools to accept payments efficiently can keep your lines moving and customers happy. If you're ready to explore how Lake Michigan can partner with you on your business journey, visit us at 1653 Sun City Center Plz Sun City Center Fl 33573, Sun City Center, FL or call us at (813) 634-8001. Together, let's build the future of your business!

Comprehensive List Of Services

Credit Cards and Business Banking

We believe in rewarding our members for their loyalty. Our Credit Cards with Rewards program allows you to earn points on every purchase, making it easier to enjoy the things you love. For small business owners, our Business Banking services include merchant services and business loans tailored to help your enterprise thrive.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why at Lake Michigan, we prioritize easy access to your accounts through our robust Online & Mobile Banking platforms. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with ATM and cash withdrawal services available throughout the area, accessing your money has never been easier.

Member Support

Our commitment extends beyond just banking products; it's about building relationships with our members. If you have questions or need assistance, feel free to reach out at 813-634-8001 during our lobby hours from Monday to Friday, 9 AM - 5 PM. We invite you to visit us at Lake Michigan, where financial solutions are crafted with care just for you. Explore how we can assist you on your financial journey by checking out all our services online at lmcu.org. Let us help make your dreams a reality!

Personal Banking Solutions

We understand that everyone's financial journey is unique. That's why we offer Personal Banking services, including checking and savings accounts designed to help you manage your money efficiently. If you're planning to buy a car or need financing for another vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. For those looking to invest in their dream home, we also offer Mortgage Loans & Refinancing solutions that make homeownership more accessible. Perhaps you're facing unexpected expenses or want to consolidate debt? Our Personal Loans & Debt Consolidation services can help you regain control of your finances without added stress.

Digital & Online Banking

Key Services

With our online banking platform, accessible at http://www.lmcu.org, you can enjoy 24/7 access to your account. This means you can check balances, transfer funds, and pay bills whenever it suits you. Our user-friendly interface ensures that navigating your accounts is a breeze, so you spend less time managing money and more time enjoying life.

Mobile Features

For those who prefer banking on the go, our mobile application brings all these services right to your fingertips. You can make mobile payments with ease and even send money directly to friends or family with our person-to-person transfer feature. It's like having a bank branch in your pocket! At Lake Michigan, we are committed to making banking simple and efficient for you. With a variety of options tailored to meet your needs, managing your finances has never been easier!

Security and Convenience

Your security is our top priority. We use advanced technology to keep your information safe while providing features like electronic signature authorization for secure transactions. Plus, with e-statements available, you can say goodbye to paper clutter and easily track your financial activity in one convenient location.

Financial Strength

Commitment to Service

Our operational efficiency shines through with a 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.

Member Trust

Total Share and Deposit Accounts stand at 1,286,000, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $119,129,434, illustrating our commitment to supporting you financially. 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 1653 Sun City Center Plz Sun City Center Fl 33573 or call (813) 634-8001 to learn more about how we can help you achieve your financial goals.

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 is robust; with $56,155 in used auto loans and $11,981,389,651 in total loans and leases, we support our members' financial goals across various sectors.

Secure 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.

Solid Foundations

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 are purchasing a brand-new vehicle or a reliable used car, our competitive financing options can make it easier for you to drive away happy.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We understand that every business has unique needs, and our team is here to guide you through the process of finding the right loan solution for your enterprise.

Credit Lines and Personal Loans

For those seeking greater flexibility in managing their finances, we offer credit lines totaling $3,484,836,767. This allows you access to funds when you need them without having to apply for multiple loans. Additionally, our unsecured credit card loans amounting to $200,170,787 give members an excellent way to handle everyday expenses while enjoying the benefits of rewards.

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 strive to provide clear terms and flexible options to help you navigate the path to owning your home.

Refinancing Options

If you're considering refinancing any existing loans, we also have options available that could potentially lower your monthly payments or help consolidate debt into one manageable payment. Speak with one of our knowledgeable representatives at Lake Michigan about eligibility options that may benefit you. To learn more about our loan offerings or how we can assist with your specific financial needs, feel free to reach out by calling us at (813) 634-8001, or visit us at our branch located at 1653 Sun City Center Plz Sun City Center Fl 33573 in Sun City Center, FL. We're here Monday through Friday from 9 am to 5 pm, ready to help you take the next step toward financial success. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Aggregator

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Lake Michigan