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

Introduction

Welcome to Lake Michigan, your trusted credit union located at 12471 W Linebaugh Ave, Tampa, FL 33626. Since our establishment in 1933, we have been dedicated to serving our community with a commitment to providing financial solutions that meet the needs of our members. With over 496,820 members and total assets reaching an impressive $14,380,227,851, we pride ourselves on being a pillar of support in the Tampa area. At Lake Michigan, we understand that managing your finances can be challenging. That's why we offer a wide range of services, including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our goal is to make banking simple and accessible for everyone. Whether you're looking to open a checking account or secure a loan for your dream car, we're here to help you every step of the way. While you can visit us at our branch location for personalized service, please note that any official correspondence should be directed to our mailing address: 12471 West Linebaugh Ave, Tampa, FL 33626. Under the leadership of our CEO Julie Leonard and Board President Gretchen Tellman, we have built a team of over 1,678 employees who are ready to assist you with friendly and knowledgeable service. Our commitment to member satisfaction is reflected in our robust financial standing our total deposits amount to $1,216,867,746, showcasing the trust our members place in us. Ready to take the next step? Give us a call at 813-496-2600 or visit our website at www.lmcu.org for more information on how we can help you achieve your financial goals. At Lake Michigan, your success is our mission!

Branch History & Mission

Commitment to Accessibility

Understanding the importance of accessibility for all members of our community is crucial. Our branch is ADA compliant and provides essential services such as drive-thru banking for convenience. While members can visit us at our physical location on Linebaugh Avenue, official correspondence should be sent to our mailing address at 12471 West Linebaugh Ave, Tampa, FL 33626.

Join Us!

We invite you to experience the benefits of being part of Lake Michigan Credit Union. With operating hours designed for your convenience Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 5:30 PM we're here when you need us most. For any inquiries or assistance, feel free to reach out at 813-496-2600. Become part of a community that prioritizes your financial well-being. Join us today at Lake Michigan Credit Union in Tampa and discover how we can help you achieve your dreams!

Our Mission

At the heart of Lake Michigan is our mission: to empower individuals and families through accessible financial solutions while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals. This mission drives us to offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. We are also committed to making a positive impact in Tampa by engaging in community outreach efforts and forming partnerships that uplift those around us. Whether it's through financial education programs or supporting local initiatives, we strive to be more than just a credit union; we want to be a trusted partner in your financial journey.

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with accessibility in mind. You'll find ample parking available right outside our doors, and we are proud to offer ADA-compliant features to ensure everyone can visit us comfortably. If you're on the go, enjoy our drive-thru service where you can handle quick transactions without leaving your car. We understand that your time is valuable, which is why our lobby hours are set up to fit into your busy schedule. Join us Monday through Thursday from 9 AM to 4 PM and on Friday from 9 AM to 5:30 PM. Our drive-thru opens a bit earlier at 8:30 AM on weekdays, so feel free to stop by when it's convenient for you!

Services Tailored for You

At Lake Michigan Credit Union, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Whether you're looking for assistance with debt consolidation or business banking solutions, our knowledgeable staff is here to guide you through every step. While members can visit us at 12471 W Linebaugh Ave, official correspondence should be sent to our mailing address at the same location. If you have any questions or need assistance, don't hesitate to give us a call at 813-496-2600. We invite you to come experience the welcoming atmosphere of Lake Michigan Credit Union and see how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Lake Michigan is like stepping into a friendly community that genuinely cares about your financial well-being. If you're located in the Tampa area or have ties to it, you could easily qualify for membership. Whether you're a resident, an employee of certain organizations, or even a family member of an existing member, there are many paths to joining us. Our goal is to make membership accessible and beneficial for everyone. At Lake Michigan, we pride ourselves on offering personalized banking solutions tailored to your needs, from checking and savings accounts to auto loans and mortgages. You can find more detailed information about eligibility by visiting our resource page at . Once you're ready to take the next step toward joining our community, opening an account is straightforward just give us a call at (813) 496-2600 or visit us at 12471 W Linebaugh Ave Tampa Fl 33626. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options That Empower 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 Tailored for You

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: a customer walks into your store and makes a purchase. With our payment processing solutions, you can accept various forms of payment quickly and securely. This not only enhances customer satisfaction but also helps streamline your operations. Located at 12471 W Linebaugh Ave Tampa Fl 33626 in Tampa, FL, we are dedicated to helping local businesses thrive. Let us be your partner in success! For more information, contact us at (813) 496-2600.

Comprehensive List Of Services

Business Banking Services

For our business members, we understand the unique challenges you face. That's why we offer business banking solutions including merchant services and business loans to help your company thrive. Our team is dedicated to working closely with you, understanding your specific needs, and providing tailored solutions.

Convenient Digital Banking

In today's fast-paced world, convenience matters. At Lake Michigan, we have embraced technology to ensure that banking is easy and accessible. With our online and mobile banking platforms, you can check balances, transfer funds, and pay bills from anywhere at any time. Plus, features like person-to-person payments make it simple to send money to friends or family without hassle.

Drive-Thru Services

We also recognize that some transactions are best done in person. Our drive-thru service allows for quick deposits, withdrawals, and simple transactions without having to leave your vehicle. This option provides added convenience for busy members who want a fast way to handle their banking needs.

Get Started Today!

Your financial journey starts here at Lake Michigan. With our comprehensive suite of services ranging from personal banking to business solutions we're ready to help you reach your financial goals. Don't hesitate; give us a call at 813-496-2600 or visit us in person during our lobby hours Monday through Friday. Join us today and experience the difference of community-focused banking!

Personal Banking Solutions

Our personal banking services are designed with you in mind. You can open checking and savings accounts that fit your lifestyle and financial goals. For those considering a new car or needing to finance an existing one, we offer competitive auto loans and vehicle financing options. If homeownership is on your horizon, our mortgage loans and refinancing services can guide you through the process, ensuring you find the right fit for your budget. Perhaps you're looking to consolidate debt or make a significant purchase; our personal loans provide flexibility and support to help you achieve these objectives. And don't forget about our credit cards with rewards perfect for everyday purchases while earning points for future rewards.

Digital & Online Banking

Key Features

Our online banking offers a variety of features that put you in control. You can view your account balances, transfer money between accounts, and pay bills with just a few clicks. Plus, if you're looking to send money to friends or family, our person-to-person transfers make it quick and simple. For those who prefer to bank on the go, our mobile application is available for download. With this app, you can access all your accounts right from your smartphone. Need to deposit a check? Just snap a picture using the app! It's that easy.

Security and Convenience

We prioritize your security with electronic signature authorization, ensuring that your transactions are safe and verified. You can also opt for e-statements to keep track of your finances without the clutter of paper statements. This not only helps the environment but gives you immediate access to important documents whenever you need them. Whether you're using a computer or a mobile device, our platforms are user-friendly and designed with you in mind. Our mobile payments feature allows you to make purchases directly from your phone, adding another layer of convenience to your banking experience. With all these services at your fingertips, managing your money has never been easier or more secure. Join us at Lake Michigan today and take advantage of all the ways we can help simplify your banking needs!

Financial Strength

At Lake Michigan, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want to assure you that our financial health is robust and reliable, enabling us to provide the best services possible. 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. 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. 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. Additionally, with $56,155 in used auto loans and $11,981,389,651 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $119,129,434. Total Share and Deposit Accounts: 1,286,000, showing a strong and growing member base that trusts us with their finances. 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 12471 W Linebaugh Ave Tampa Fl 33626 or call (813) 496-2600 to learn more about how we can help you achieve your financial goals. *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 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 looking for financing for a new vehicle or a reliable used option, we have flexible terms that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and helping them thrive through tailored lending solutions. At Lake Michigan, we prioritize transparency and ease of access when it comes to our loan offerings. If you're considering refinancing options or want to learn more about eligibility requirements, don't hesitate to reach out. Our team is here to assist you every step of the way. For inquiries or more information about our loan products, feel free to contact us at (813) 496-2600 or visit us at our branch located at 12471 W Linebaugh Ave Tampa Fl 33626, 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.

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 provide support throughout the process, ensuring that you find the right solution for your home financing needs.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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. This option allows you to handle unexpected costs without adding stress to your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 approach guarantees that the offers displayed are both fair and transparent.

Lake Michigan