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

Introduction

Welcome to Lake Michigan at our Temple Terrace branch, located conveniently at 5140 E Fowler Ave, Tampa, FL 33617. Since our establishment in 1933, we have been committed to serving our community and providing reliable financial solutions tailored to your needs. With a growing membership of over 496,820, we take pride in being a trusted partner for individuals and families throughout the region. At Lake Michigan, we understand that your financial journey is unique. Our branch stands strong with total assets exceeding $14.38 billion and total deposits reaching an impressive $1.22 billion. We offer a wide array of services, including personal banking accounts, auto loans, mortgage options, and credit cards with rewards all designed with you in mind. Our dedicated team of 1,678 employees, led by CEO Julie Leonard and Board President Gretchen Tellman, is here to ensure you receive the support you deserve. We are not just about numbers; we focus on building lasting relationships with our members. Our commitment to excellence is evident in our net worth of $1.64 billion, showcasing our stability and reliability as your financial institution. For your convenience, we invite you to visit us during our lobby hours from Monday to Thursday 9 AM to 4 PM, Friday 9 AM to 5:30 PM, and Saturday from 9 AM to 12 PM. You can also reach us at 863-513-1200 for any inquiries or assistance. While members can visit us at 5140 E Fowler Ave, official correspondence should be sent to the same address for your convenience. We invite you to explore how Lake Michigan can help enhance your financial well-being. Whether you're looking for a loan or need advice on saving for the future, we're here for you every step of the way! Visit our website at www.lmcu.org or call us today!

Branch History & Mission

Community Engagement

Lake Michigan is more than just a credit union; we actively engage in community outreach efforts. We partner with local organizations to support various initiatives aimed at improving financial literacy and offering assistance to those in need. Our commitment extends beyond transactions; it's about fostering relationships and creating opportunities for growth within our community.

Join Us

As we look toward the future, we invite you to become part of the Lake Michigan family. Experience firsthand the benefits of membership with us whether it's through competitive rates on loans or exceptional customer service. Together, let's build a stronger financial future for you and our beloved Tampa community. Feel free to reach out to us at 863-513-1200 or visit our website for more information on how you can join us today!

Our Mission

Our mission is clear: to empower our members by providing exceptional financial services while supporting the communities we serve. At Lake Michigan, we believe that when our members succeed financially, so does our community. This belief drives us to create impactful programs and partnerships aimed at enhancing the quality of life in Tampa. We are dedicated to ensuring that all members have access to essential financial resources. From online and mobile banking features to personalized loan options, we strive to meet the diverse needs of our members while maintaining high standards of service. While you can visit us at 5140 E Fowler Ave for your banking needs, please note that official correspondence should be sent to the same mailing address: 5140 E Fowler Ave, Tampa, FL 33617.

Branch Location & Accessibility

Call to Action

Ready to experience exceptional service? We invite you to stop by Lake Michigan Credit Union today or give us a call at 863-513-1200. Let us help you achieve your financial goals!

Nearby Landmarks and Accessibility

Situated in the heart of Hillsborough County, our branch is easily accessible and close to local landmarks such as the beautiful Lettuce Lake Park and the bustling University of South Florida. We have ample parking available for all our visitors, ensuring that your visit is hassle-free. For those who may need assistance, our branch is ADA compliant with ramps and other accessibility features to make banking easy for everyone.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 5:30 PM. On Saturdays, we welcome you from 9 AM to 12 PM. If you're in need of drive-thru services, we've got you covered! Our drive-thru is open Monday through Thursday from 8:30 AM to 5 PM and on Fridays until 5:30 PM, making it convenient for quick transactions.

Services Offered

At Lake Michigan Credit Union, we pride ourselves on offering a wide array of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we have everything under one roof. Plus, with ATM availability on-site, withdrawing cash or checking your balance is just a step away. While members can visit us at our branch location, official correspondence should be sent to the same address at 5140 E Fowler Ave, Tampa, FL 33617.

Member Eligibility

At Lake Michigan, we believe that becoming a member means joining a close-knit community where everyone is valued and supported. If you're looking to enjoy the benefits of being part of our family, you'll be pleased to know that eligibility is open to a wide range of individuals. Generally, those who live, work, worship, or attend school in the areas we serve can join us. We also welcome family members of existing members, making it easier for you to bring your loved ones into this supportive environment. To ensure you have the most accurate and up-to-date information on membership criteria, feel free to visit our eligibility page at . Getting started is simple! Once you find out that you're eligible, opening an account at Lake Michigan is just a few steps away. With services like personal banking, auto loans, and online banking available, you'll quickly see how being a member can enhance your financial journey. If you have any questions or need assistance, don't hesitate to reach out to us at (863) 513-1200. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services designed to simplify your payment processing. Imagine being able to accept payments seamlessly whether you're at a storefront or on-the-go. Our solutions help you streamline transactions, manage cash flow, and focus more on what you do best running your business. At Lake Michigan, we're dedicated to providing the financial resources that empower you to reach your goals. Visit us today at 5140 E Fowler Ave Tampa Fl 33617 or call us at (863) 513-1200 to learn more about how we can assist you!

Tailored 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.

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive Business Banking solutions. From merchant services that help streamline transactions to business loans designed to fuel growth, we are here to assist local businesses in thriving.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards, designed to help you earn while you spend. With various rewards programs available, you can benefit from cashback on everyday purchases or earn points toward travel and other exciting opportunities.

Digital Banking Convenience

At Lake Michigan, we embrace technology to enhance your banking experience. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even pay bills all from the convenience of your mobile device. Our features include ATM & Cash Withdrawal Services, ensuring you have access to cash whenever needed.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but are short on time, our Basic Drive-Thru Banking offers quick transactions such as deposits and withdrawals without leaving your vehicle. Additionally, with our Basic ATM Access, you can withdraw cash or check balances quickly and conveniently. We invite you to explore all that we have to offer at Lake Michigan. Whether you're looking for personal banking solutions or business support, we're here for you every step of the way. Feel free to reach us at (863) 513-1200 for any questions or visit us during our lobby hours: Monday - Thursday from 9 AM - 4 PM, Friday from 9 AM - 5:30 PM, and Saturday from 9 AM - 12 PM. Join us at Temple Terrace, where your financial well-being is our top priority!

Personal Banking Solutions

We understand that managing your day-to-day finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. For those moments when you need extra funds for a new car or unexpected expenses, our Auto Loans & Vehicle Financing make it easier than ever to drive away in the vehicle of your dreams. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized guidance every step of the way. For those looking to consolidate debt or finance personal projects, our Personal Loans & Debt Consolidation options give you the flexibility and support you need.

Digital & Online Banking

Key Features

Our mobile application brings banking right to your fingertips. Whether you're at home or on the go, you can take advantage of features like mobile payments, which allow you to make quick and secure transactions with just a tap. Plus, our person-to-person transfer service makes it simple to send money to friends or family without needing cash. For those who prefer paperless banking, we offer electronic statements that keep your records organized and accessible from any device. You can also sign documents electronically, making it quicker to get things done without the hassle of printing or mailing.

Security and Accessibility

We prioritize your security with robust measures in place, ensuring that your personal information stays safe while you enjoy easy access to your accounts. Our user-friendly interface makes navigating through your account straightforward, allowing you to manage your finances in real-time. Whether you need to check your balance before making a purchase or want to review past transactions, our online services give you the control you need over your financial life. Experience the ease of digital banking with Lake Michigan today! Visit us at http://www.lmcu.org for more information about our online banking options.

Financial Strength

Growing Together

Total Share Accounts stand at 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 5140 E Fowler Ave Tampa Fl 33617 or call (863) 513-1200 to learn more about how we can help you achieve your financial goals.

Member 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.

Our 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.

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 robust lending capacity includes $56,155 in used auto loans and $11,981,389,651 in total loans and leases, supporting members' financial goals across various sectors.

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 provide flexible terms and quick processing to make your vehicle financing experience smooth and straightforward.

Credit Lines and Business Loans

For those who need additional financial flexibility, our credit lines provide easy access to funds when you need them most. With a total of $3,484,836,767 available, these lines are perfect for managing cash flow or unexpected expenses. Additionally, for business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. If you're interested in any of our loan products or would like to explore refinancing options, don't hesitate to contact us at (863) 513-1200. Our dedicated team is here to assist you and answer any questions you may have about eligibility and application processes. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 5140 E Fowler Ave Tampa Fl 33617, Tampa, FL, or check out our website at http://www.lmcu.org for more information on how we can help you with your financial needs!

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 interest rates and personalized service to guide you through every step of the process.

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. Our credit cards come with rewards and benefits that can enhance your spending power while keeping your budget in check.

Loan Aggregator

How LendMesh Ensures 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 ensures that all offers are not only legitimate but also adhere to strict guidelines for fairness and transparency. LendMesh prioritizes user trust through several key features: - Verified Data: All loan offers are sourced from reputable financial institutions, ensuring that users receive accurate and trustworthy information. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect current market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, allowing them to make well-informed choices. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the platform's effectiveness and commitment to its users. 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