Lake Michigan Credit Union Grand Haven MI | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Lake Michigan at our Grand Haven - Robbins Road branch, located at 16916 Robbins Rd, Grand Haven, MI 49417. Since our establishment in 1933, we have been dedicated to serving our members with trust and reliability. With a strong community focus, we are proud to support over 496,820 members who rely on us for their financial needs. At Lake Michigan, we understand that your financial journey is important. That's why we offer a wide range of services including personal banking, auto loans, mortgage loans, and business banking solutions. Our total assets stand at an impressive $14,380,227,851, backed by total deposits of $1,216,867,746 and a net worth of $1,637,578,402. We maintain a healthy cash reserve of $72,514,751, ensuring that we can meet your needs promptly. Our team is led by CEO Julie Leonard and Board President Gretchen Tellman, both committed to fostering a member-first culture. With a dedicated staff of 1,678 employees, we are here to provide personalized service that makes banking easier for you. While you can visit us at our Grand Haven location for all your banking needs, please direct any official correspondence to our mailing address: PO Box 2848, Grand Rapids, MI 49501. We invite you to explore the many benefits of membership and discover how we can assist you in achieving your financial goals. For questions or assistance, feel free to reach out at (616) 242-9790 or visit our website at www.lmcu.org. Your financial success is our priority!

Branch History & Mission

Welcome to Lake Michigan Credit Union, a cornerstone of the Grand Haven community since 1933. Over the years, our branch at 16916 Robbins Rd, Grand Haven, MI 49417, has grown significantly, now serving nearly 500,000 members and managing total assets of over $14.3 billion. Our journey began with a simple mission: to provide financial services that empower our members and strengthen our community. From our humble beginnings, we have evolved into a modern financial institution that remains deeply rooted in local values. We understand the importance of being there for our members during life's milestones whether it's purchasing a first home, financing a vehicle, or planning for retirement. Each year, we celebrate numerous achievements alongside our members, helping them reach their financial goals while supporting local initiatives. Our mission is clear: to deliver exceptional financial services while fostering community support and development. We believe that when our members succeed, so does the community. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact in Grand Haven and beyond. At Lake Michigan Credit Union, we are committed to providing accessible banking solutions tailored to your needs. Our operating hours are designed with you in mind: 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. We also offer convenient ATM access and drive-thru banking for quick transactions. As we move forward into a digital world, we're proud to integrate advanced technology while ensuring ADA compliance for all members. Our online and mobile banking services make managing your finances easier than ever. While you can visit us at our main branch location for all your banking needs, please note that official correspondence should be sent to our mailing address at PO Box 2848, Grand Rapids, MI 49501. Join us at Lake Michigan Credit Union today! Experience firsthand how we can help you achieve your financial dreams while being an active part of this vibrant community. We invite you to become part of something greater where every member matters and every dream counts! If you have any questions or need assistance, don't hesitate to reach out at (616) 242-9790. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Lake Michigan Credit Union branch at 16916 Robbins Rd, Grand Haven, MI! Located conveniently near local hotspots, our branch is easily accessible for all your banking needs. Whether you're stopping by after a day at the beautiful Grand Haven State Park or on your way to enjoy a meal at one of the nearby restaurants, we're here to help you with friendly service. While members can visit us at our physical location, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49501. Our branch is designed with your convenience in mind. We offer ample parking and have features that ensure accessibility for everyone, including ADA-compliant ramps. We're open Monday through Thursday from 9:00 AM to 5:30 PM and on Fridays until 6:00 PM. For those who prefer weekend banking, join us on Saturdays when our drive-thru is open from 9:00 AM to 1:00 PM. With our drive-thru services, you can easily make deposits or withdrawals without leaving your vehicle. At our Grand Haven branch, we provide a variety of banking services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. Plus, with ATM access available, managing your finances has never been easier. Feel free to give us a call at 616-242-9790 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Member Eligibility

At Lake Michigan, we believe in creating a welcoming community where everyone feels valued and supported. Becoming a member is an easy and rewarding journey! If you live, work, or attend school in the areas we serve, you're likely already eligible to join us. We invite individuals from various backgrounds to experience the benefits of membership, which includes access to personalized banking services tailored just for you. Whether you're looking for checking and savings accounts, loans, or financial guidance, being part of our family means you're never alone on your financial journey. For more specific details about eligibility, feel free to check out the information available at . If you're ready to take the next step towards opening an account with us, it's as simple as reaching out at (616) 242-9790 or visiting our branch located at 16916 Robbins Rd Grand Haven Mi 49417. We can't wait to welcome you into the Lake Michigan community!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine a local café using our merchant services to streamline payments. This means faster transactions for customers and fewer headaches for the owner. Our services help you manage payments easily so you can focus on what really matters growing your business. Whether you're starting a new venture or looking to expand, Lake Michigan at 16916 Robbins Rd Grand Haven Mi 49417, Grand Haven, MI is here to help you succeed. Let us be your partner in achieving your business goals!

Supporting Your Business 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? With our network of ATMs available around Grand Haven and beyond, withdrawing cash or checking balances is simple and accessible whenever you need it. At Lake Michigan, we pride ourselves on offering these essential financial services along with basic drive-thru banking for deposits, withdrawals, and simple transactions all designed with your convenience in mind. If you're ready to explore how we can assist you further, don't hesitate to call us at 616-242-9790 or visit our website at http://www.lmcu.org. Join us today and experience banking that truly works for you!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing solutions make it easier for you to drive home in the car of your dreams. We offer competitive rates and flexible terms that fit within your budget, ensuring that purchasing your next vehicle is both affordable and straightforward.

Business Banking

For our entrepreneurial members, we offer tailored business banking services including merchant services and business loans. Whether you're starting a new venture or looking to grow an existing business, we're here to support your financial journey every step of the way.

Credit Cards with Rewards

Enjoy shopping? Our credit cards with rewards allow you to earn points on every purchase. Whether you're planning a vacation or simply want to earn cashback on daily spending, our credit card options make every dollar work harder for you.

Mortgage Loans & Refinancing

Homeownership is one of life's biggest milestones. At Lake Michigan, we provide comprehensive mortgage loans and refinancing options to help you secure the perfect home or refinance your current mortgage for better terms. Our friendly staff will guide you through each step of the process, making it as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms give you 24/7 access to manage your accounts from anywhere. With features like mobile payments, e-statements, and person-to-person transfers, handling your finances has never been easier.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer a variety of personal banking options tailored just for you. Whether you're looking to open a checking or savings account, our accounts come with features designed to help you save and manage your money effectively.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. If you need extra cash for emergencies or want to consolidate high-interest debt, our personal loans are here to help. We aim to provide you with flexible repayment plans that align with your financial situation.

Digital & Online Banking

Key Features of Our Digital Banking Services

With 24/7 online banking, you can check your balance, transfer funds, and pay bills without stepping foot in a branch. Whether you're at home or on the go, managing your money is just a few clicks away. Need to send money to a friend? Our person-to-person transfers make it quick and simple. Security is always a priority for us. With electronic signature authorization available, you can complete transactions confidently knowing that your information is protected. Plus, if you prefer going paperless, we offer e-statements that allow you to view your account statements securely online.

Mobile Banking Made Easy

Our mobile application brings banking right to your fingertips. Check balances, deposit checks, and even make mobile payments all from the convenience of your smartphone. No more waiting in line or rushing to the bank before closing time; everything you need is accessible whenever you need it. At Lake Michigan, we strive to make banking straightforward and efficient. Our user-friendly digital services empower you to take control of your financial journey with ease and peace of mind. Join us today and experience the convenience of modern banking!

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 are committed to maintaining a strong financial foundation that allows us to provide the best services to our community. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. Our commitment extends to supporting your needs with $56,155 in used auto loans and $11,981,389,651 in total loans and leases, helping you reach your financial goals across various sectors. Despite challenges posed by the economy, our operational efficiency is reflected in 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 dedicated to providing exceptional service. Our net shares available for lending and investments stand at $119,129,434, showcasing our ability to support member initiatives effectively. With a growing member base demonstrated by 1,286,000 total share accounts, trust is at the core of what we do. 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 16916 Robbins Rd Grand Haven Mi 49417 or call (616) 242-9790 to learn more about how we can help you achieve your financial goals.

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 that fit your budget, making it easier than ever to drive away in a vehicle you love.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We're dedicated to supporting local businesses by offering financing solutions that can help turn your vision into reality.

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 guidance throughout the entire process so you can feel confident as you take this important step towards securing your future.

Refinancing Options

If you're looking for better rates or want to consolidate existing debt, we also have refinancing options available across all our loan products. Our team will work closely with you to explore eligibility and find the right solution for your financial situation. At Lake Michigan, we're here to help every step of the way. For more information about our loan offerings or if you'd like to explore eligibility options, visit us online at http://www.lmcu.org or stop by our branch today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

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 designed to help you save while enjoying the convenience of cashless transactions.

Loan Aggregator

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Lake Michigan