Lake Michigan Credit Union Tampa FL | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Lake Michigan, your trusted partner in financial services located at 408 S Macdill Ave, Tampa, FL 33609. Established in 1933, we have proudly served our community for decades, growing alongside our members and adapting to their needs. With a strong commitment to excellence, we are honored to support 496,820 members with a diverse range of financial solutions. At Lake Michigan, we understand that your financial journey is unique. That's why we offer an array of services tailored just for you from checking and savings accounts to auto loans and mortgages. Our total assets stand at an impressive $14,380,227,851, ensuring that we have the resources to help you achieve your goals. We also maintain total deposits of $1,216,867,746, reflecting the trust our members place in us every day. Under the leadership of our CEO, Julie Leonard, and Board President, Gretchen Tellman, we strive to create a welcoming environment where your voice matters. Our dedicated team of 1,678 employees is here to assist you with personalized service that makes banking easier and more accessible. Whether you're looking to purchase a new vehicle or need assistance with business banking solutions, we're here to guide you every step of the way. For those who prefer managing their finances online or on-the-go, our website at www.lmcu.org offers convenient digital banking options. While members can visit us at our branch location, official correspondence should be sent to 408 S Macdill Ave, Tampa, FL 33609. If you have any questions or need assistance, feel free to call us at 813-342-4780 during our lobby hours: Monday - Thursday from 9 AM - 4 PM and Friday from 9 AM - 5:30 PM. Join us today and experience the Lake Michigan difference where community comes first!

Branch History & Mission

At Lake Michigan, we are proud to share our journey that began in 1933. Since our inception, we have grown into a trusted financial partner for the community of Tampa, FL. Located at 408 S Macdill Ave, our branch is not just a place for banking; it's a hub where relationships flourish and dreams take flight. Over the years, we have proudly served 496,820 members, offering services tailored to their needs while fostering a spirit of collaboration and support. Our mission is simple yet powerful: to provide exceptional financial services that enhance the lives of our members while making a positive impact in the communities we serve. We believe that by empowering individuals with the tools and resources they need, we can help them achieve their financial goals. This commitment drives us every day and is reflected in our total assets of over $14.38 billion. As we evolved through the decades, we embraced technology and innovation while keeping our focus on personal service. We understand that banking today means more than just transactions; it's about accessibility and convenience. That's why we offer online and mobile banking options, ensuring you can manage your finances anytime, anywhere. Our lobby hours are designed for your convenience: Monday to Thursday from 9 AM to 4 PM and Friday from 9 AM to 5:30 PM. For those who prefer drive-thru services, we are here for you Monday to Thursday from 8:30 AM to 5 PM and Friday until 5:30 PM. Community support has always been at the heart of what we do. We actively engage in partnerships with local organizations, contributing to various outreach efforts aimed at uplifting our neighborhoods. Whether it's sponsoring events or providing financial literacy workshops, we strive to make a meaningful difference in Tampa. While members can visit us at 408 S Macdill Ave, official correspondence should be sent to 408 S Macdill Ave, Tampa, FL 33609 if necessary. If you ever have questions or need assistance, feel free to reach out at 813-342-4780. Join us on this journey as we continue to build a brighter future together. Experience the benefits of becoming a member at Lake Michigan where your success is our mission!

Branch Location & Accessibility

Welcome to the Lake Michigan Credit Union branch at 408 S Macdill Ave in sunny Tampa, Florida! Our location is designed for your convenience, making it easy for you to access all of our banking services. Whether you're running errands near the vibrant Hyde Park Village or taking a stroll along Bayshore Boulevard, stopping by our branch is a breeze. At Lake Michigan, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. Plus, with ample parking available, you won't have to worry about finding a spot during your visit. Our lobby hours are friendly and accommodating open Monday through Thursday from 9 AM to 4 PM, and Friday from 9 AM to 5:30 PM. For those who prefer quick transactions, our drive-thru service operates Monday through Thursday from 8:30 AM to 5 PM and on Fridays until 5:30 PM. You can also find an ATM on-site for your cash withdrawal needs. While members can visit us at our physical address, any official correspondence should be sent to the same address at 408 S Macdill Ave, Tampa, FL 33609. If you have any questions or need assistance, feel free to reach out at 813-342-4780. We invite you to experience the welcoming atmosphere of our branch and explore a variety of services tailored just for you from personal banking solutions like checking accounts and auto loans to business services that help your company thrive. We look forward to seeing you soon!

Member Eligibility

At Lake Michigan, we believe that becoming a member is like joining a close-knit family where everyone supports each other. To be eligible for membership, you simply need to live, work, worship, or attend school in the communities we serve, or have a family member who is already a member. It's truly about creating connections and building relationships that matter. Joining us means you'll gain access to a variety of financial services tailored to meet your needs from checking and savings accounts to auto loans and mortgages all designed with your best interests in mind. Getting started is easy! You can find detailed eligibility criteria on our website at . If you're ready to take the next step toward membership, just visit us at our branch located at 408 S Macdill Ave Tampa Fl 33609 or give us a call at (813) 342-4780. Our friendly team is here to help guide you through the account opening process and answer any questions you may have. Welcome to the community we can't wait to serve you!

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. - With an outstanding commercial loan portfolio of $1,764,695,201, we continue to drive economic growth by financing new and expanding businesses. Imagine the possibilities when you have access to flexible financing tailored to your needs. From purchasing equipment to managing cash flow, our loans can provide the boost your business needs at any stage.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Picture this: you're running a busy café, and with our payment processing solutions, your customers can pay quickly and securely keeping lines moving and satisfaction high. Our services help streamline operations so you can focus on what really matters: growing your business. Visit us at 408 S Macdill Ave Tampa Fl 33609 in Tampa, FL, or call us at (813) 342-4780 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Accessibility

Our branch offers basic drive-thru banking for quick transactions such as deposits and withdrawals, making it easy for you to handle your banking needs without leaving your car. For those who prefer automated transactions, our ATMs provide convenient access for cash withdrawals and balance checks. At Lake Michigan, we're here to simplify your financial life while providing the support you deserve. We invite you to explore all our services at South Tampa in Tampa, FL. Visit us today or contact us at (813) 342-4780 let's work together towards achieving your financial goals!

Business Banking

For our business members, we offer comprehensive solutions that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools to support your financial needs.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking services allow you to manage your accounts from anywhere at any time. You can make deposits, check balances, and even transfer money with just a few taps on your phone. Additionally, our ATM & cash withdrawal services ensure you have access to your funds whenever you need them.

Loans and Credit Solutions

Life can be unpredictable, and sometimes you need extra financial support. That's where our personal loans and debt consolidation services come into play, helping you manage expenses or consolidate existing debts into a single payment. Plus, with our credit cards with rewards, you can earn points on everyday purchases while enjoying the flexibility that comes with credit.

Personal Banking

We understand that managing money is a personal journey, which is why our personal banking services are designed with you in mind. With options like checking and savings accounts, you can easily manage your day-to-day finances while saving for future goals. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options provide competitive rates to help get you on the road faster. For those looking to buy a home, our mortgage loans and refinancing services offer flexible terms tailored to fit your budget.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which offers all the functionalities of online banking right in your pocket. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments enabled, you can make purchases directly from your phone without worrying about carrying cash or cards. For those who prefer a paperless approach, we offer e-statements that not only help you keep track of your finances but also contribute to a more sustainable environment. And with electronic signature authorization available, signing documents has never been easier or more secure.

Security and Support

Your security is our top priority. We use advanced encryption technologies to protect your information while making sure our services remain user-friendly. If you ever have questions or need assistance, our dedicated team is just a phone call away at (813) 342-4780. In today's fast-paced world, managing your finances should be straightforward and hassle-free. At Lake Michigan, we're committed to providing you with the tools you need for effective account management at your fingertips. Explore all our digital banking services today and experience financial freedom like never before!

Financial Strength

Commitment to Growth

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. With net shares amounting to $119,129,434, we have funds available for lending and investments. The trust from our community is evident as shown by our total share accounts reaching 1,286,000, indicating a strong and growing member base that believes in us.

Conclusion

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 408 S Macdill Ave Tampa Fl 33609 or call (813) 342-4780 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Reinvestment for Better Services

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.

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

Additional Financing Options

For those looking for credit lines or personal loans, our offerings include $3,484,836,767 in total credit lines available to meet various needs. Whether it's for home improvements, debt consolidation, or unexpected expenses, our dedicated staff can help tailor a solution just for you.

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 model or a reliable used vehicle, our team is here to assist you every step of the way.

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 unique challenges businesses face and are committed to offering solutions that support your success.

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 are dedicated to helping you navigate the mortgage process smoothly, ensuring you find the right fit for your budget and lifestyle.

Refinancing Opportunities

If you're looking at refinancing options, we encourage you to reach out. Our team can guide you through potential savings on existing loans and help determine eligibility based on your situation. At Lake Michigan, we believe that everyone deserves access to affordable financing options. For any questions or assistance with applications, feel free to contact us at (813) 342-4780 or visit us at our branch located at 408 S Macdill Ave Tampa Fl 33609, Tampa, 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. Let us help you take the next step toward achieving your financial aspirations!

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. These cards come with rewards and benefits designed to make your spending work for you.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing offers that reflect current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every lender listed is treated equally in our comparisons. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This means you can access the latest information whenever you need it. 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 kind of feedback illustrates how effective our tool can be in finding the right loans. 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.

How LendMesh Ensures Accurate 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 users receive fair and transparent offers without hidden fees or surprises.

Lake Michigan