Lake Michigan Credit Union Byron Center MI | Quick Personal Loans & Top Checking

Introduction

Welcome to Lake Michigan at our 84th Street branch, where we believe in building strong financial futures for our community. Located conveniently at 904 84Th St Sw, Byron Center, MI 49315, we have been serving our members since 1933, nurturing trust and reliability for over nine decades. As a proud member of the Lake Michigan Credit Union family, you join a thriving community of nearly 496,820 members who benefit from our commitment to exceptional service and financial empowerment. Our total assets stand at an impressive $14,380,227,851, reflecting our stability and dedication to helping you achieve your financial goals. While you can visit us directly at our branch, please note that official correspondence should be sent to our mailing address: PO Box 2848, Grand Rapids, MI 49546. At Lake Michigan, we offer a variety of services including personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. With a total loan portfolio of 269,299, we are here to support your needs whether you're purchasing a new vehicle or looking to grow your business. Under the guidance of our dedicated CEO Julie Leonard and Board President Gretchen Tellman, our team of 1,678 employees is passionate about making banking easy and accessible for everyone. We invite you to take advantage of our online and mobile banking options for added convenience in managing your finances. If you have any questions or need assistance, feel free to reach out at 616-242-9790 during our lobby hours: Monday to Thursday from 9:00 AM to 5:30 PM; Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 1:00 PM. Join us today at Lake Michigan Credit Union where your financial journey begins! For more information about our offerings and community initiatives, visit us online at http://www.lmcu.org .

Branch History & Mission

Community and Innovation

We recognize that times are changing, which is why we've embraced modern technology to enhance your banking experience. With online banking, mobile payments, and e-statements available, managing your finances has never been easier. Our branch is also ADA compliant, ensuring that everyone can access our services comfortably. For those who prefer face-to-face interactions, we offer convenient drive-thru banking and ATM availability for quick transactions. While members can visit us at our branch location for all their needs, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49546.

Join Us Today!

As we look forward to the future at Lake Michigan Credit Union's Byron Center branch, we invite you to be part of this journey with us. Experience the difference that comes from being a member of a credit union that genuinely cares about your success and well-being. Call us today at 616-242-9790 or visit us during our operating hours Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM and discover how we can help you achieve your financial dreams!

Our Mission

The mission of Lake Michigan Credit Union is simple yet profound: we aim to empower our members by offering competitive financial products and outstanding service while fostering a sense of belonging within the community. We believe that every member deserves the opportunity to achieve their financial goals, whether that's through personal banking options like checking and savings accounts, auto loans, mortgage financing, or business banking services. In addition to providing essential financial services, we are committed to supporting local initiatives and partnerships that uplift our community. From educational programs to charitable events, we strive to make a positive impact beyond banking.

Branch Location & Accessibility

A Convenient Visit Awaits

When you visit us, you'll find ample parking available right outside the branch, making it easy for you to stop in. Our facility is designed with accessibility in mind, featuring ramps and other accommodations to ensure everyone can access our services comfortably.

Comprehensive Services Right at Your Fingertips

At Lake Michigan Credit Union, we offer a wide range of personal banking services. From checking and savings accounts to auto loans and mortgages, we are dedicated to supporting your financial journey. Need quick cash? Our ATM is readily available for withdrawals and balance checks. Plus, take advantage of our drive-thru banking for simple transactions without leaving your car. If you ever need assistance or have questions about our services, don't hesitate to give us a call at 616-242-9790. We're here for you! We invite you to stop by soon and see how we can assist you with all your banking needs. Your financial success is our priority!

Friendly Hours for Busy Lives

We understand that life can be hectic, which is why we offer flexible operating hours to suit your schedule. Stop by Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Whether you're looking to open an account, apply for a loan, or simply have questions about your finances, our friendly staff is here to help during these hours.

Member Eligibility

At Lake Michigan, we're excited to welcome you into our family! Becoming a member is like joining a supportive community that truly cares about your financial well-being. To qualify for membership, you generally need to live, work, worship, or attend school in the areas we serve. Our aim is to be inclusive, so if you have questions about your eligibility, feel free to reach out! You can find more specific details about who can join us by visiting this link: . Opening an account with us is straightforward and designed to make your banking experience enjoyable. Once you're ready to join, just stop by our branch at 904 84Th St Sw Byron Center Mi 49315, or give us a call at (616) 242-9790 for assistance. We can't wait to help you start your journey with Lake Michigan and provide you with personalized services like checking and savings accounts, loans, and much more! Join us today and discover the benefits of being part of a credit union that puts its members first.

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments from your customers quickly and securely, allowing you to focus on what you do best running your business. Our services include point-of-sale systems tailored for all types of businesses, enabling smooth transactions whether you're in-store or online. Visit us at 904 84Th St Sw Byron Center Mi 49315, Byron Center, MI, or call us at (616) 242-9790 to learn how we can partner with you on your journey to success!

Tailored Loan Options for Every Business

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 expand their operations, purchase new equipment, and hire more staff. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. - 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

ATM & Drive-Thru Services

Need quick access to cash? Our ATM services allow for hassle-free withdrawals and balance checks whenever you need them. Additionally, our basic drive-thru banking is available for deposits, withdrawals, and simple transactions perfect for those busy days when time is tight. At Lake Michigan, we are committed to delivering quality service tailored to fit your life. If you have questions about any of our offerings or would like assistance in choosing the right service for your needs, don't hesitate to reach out! Call us at (616) 242-9790, visit us at our location in Byron Center, MI, or check us out online at 84th Street. Your financial well-being is our priority!

Business Banking Services

For local entrepreneurs and small business owners, we offer comprehensive Business Banking solutions that include Merchant Services and Business Loans. We understand the unique challenges faced by businesses today, and we're here to support your growth every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why at Lake Michigan, we offer robust Online & Mobile Banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts anytime, anywhere. Our capabilities include mobile payments and person-to-person transfers, making it easier than ever to handle transactions without visiting a branch.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We provide various Checking & Savings Accounts that cater to different lifestyles and financial needs. If you're planning to purchase a vehicle, our Auto Loans & Vehicle Financing options ensure that getting behind the wheel is as easy and affordable as possible. For those looking to invest in their future, our Mortgage Loans & Refinancing services can help you find the right home loan or lower your current mortgage payments. In addition, if debt is weighing you down, our Personal Loans & Debt Consolidation solutions can help simplify your finances and put you back on track. Plus, with our Credit Cards with Rewards, every purchase can earn you points towards exciting rewards!

Digital & Online Banking

Easy Transfers and Payments

Need to send money to a friend? Our person-to-person transfers feature lets you do just that with just a few clicks. It's simple and fast no need for cash or checks! At Lake Michigan, we believe that banking should fit seamlessly into your life. Our user-friendly digital tools give you real-time account management so that whether it's paying bills or checking transactions, you're always informed and in control. Join us today and experience the ease of modern banking!

Enhanced Security Features

Your security is a top priority at Lake Michigan. We provide electronic signature authorization for a secure way to sign documents digitally. This means no more printing or mailing forms; everything can be done securely online. Additionally, our system allows for e-statements, giving you instant access to your financial statements while also helping the environment by reducing paper waste.

Key Services Available

With our online banking platform, accessible at http://www.lmcu.org , you can check your balances, pay bills, and transfer funds all from the comfort of your own home. Plus, enjoy the flexibility of 24/7 online banking services, ensuring that you can manage your account whenever it suits you. For those who prefer mobile banking, our mobile application is available for download, providing all the features you need right at your fingertips. You can even make mobile payments, allowing for quick and easy transactions without the hassle of cash or cards.

Financial Strength

Commitment to 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 commitment to lending is reflected in our $56,155 in used auto loans and $11,981,389,651 in total loans and leases; this capacity supports members' financial goals across various sectors.

Growing 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. Our Net Shares (Funds available for lending and investments) amount to $119,129,434, allowing us to efficiently manage resources for your benefit. 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 904 84Th St Sw Byron Center Mi 49315 or call (616) 242-9790 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $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.

Robust 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.

Secure Savings Options

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.

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 model or a reliable used vehicle, our team is here to guide you through the process.

Credit Lines and Unsecured Loans

For those seeking flexibility in managing their expenses, we provide total credit lines amounting to $3,484,836,767. Additionally, our unsecured credit card loans, totaling $200,170,787, help members manage their finances effectively with easy access to funds when needed. Our team at Lake Michigan, located at 904 84Th St Sw Byron Center Mi 49315 in Byron Center, MI, is ready to assist you. If you have any questions or need help with refinancing options or eligibility criteria for our loan products, feel free to reach out at (616) 242-9790. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore how our loan offerings can support your financial journey today!

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 various mortgage products tailored to fit different financial situations and are dedicated to helping you navigate the complexities of home financing.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 commitment to sourcing ensures that users receive fair and transparent offers tailored to their needs.

LAKE MICHIGAN CREDIT UNION - Byron Center, MI