Lake Michigan Credit Union Holland MI | Low Mortgage Rates & Auto Loans

Introduction

At Lake Michigan, we believe that banking should be more than just transactions; it should be a trusted relationship built on community and support. Located at 3493 W Shore Dr, Holland, MI 49424, our Holland - West Shore branch has been proudly serving our members since 1933. With nearly 500,000 members and over $14.38 billion in assets, we are dedicated to providing exceptional financial services tailored to your needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 2848, Grand Rapids, MI 49501. Under the leadership of our CEO, Julie Leonard, and Board President, Gretchen Tellman, we strive to create an inclusive environment where you can feel valued and secure. As a member-focused credit union, we manage over $1.21 billion in deposits and have approved loans amounting to 269,299 across various categories including personal loans, auto financing, and mortgage solutions. Our commitment to your financial well-being is evident in our robust offerings and personalized service. With a team of 1,678 employees, we're here for you during convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you're stopping by for a quick transaction or seeking comprehensive financial advice, we're ready to assist you. Join us today at Lake Michigan Credit Union where your financial dreams become reality! For more information or inquiries, please reach out at (616) 464-7720 or visit us online at www.lmcu.org. We look forward to being part of your journey toward financial success!

Branch History & Mission

Community Impact

We recognize the importance of giving back. Through various partnerships and outreach initiatives, we actively engage with local organizations to support those in need. Our commitment extends beyond transactions; we aim to make a meaningful difference in the lives of those around us.

Join Us

We invite you to experience the benefits of membership with Lake Michigan. Whether you're looking for basic banking services or comprehensive financial guidance, we're here for you! Visit us during our operating hours Monday through Thursday from 9 am to 5 pm, Friday from 9 am to 6 pm, and Saturday from 9 am to 1 pm or give us a call at 616-464-7720. Join us today and become part of a growing family that puts its members first!

Mission Statement

At Lake Michigan, our mission is clear: to provide accessible financial services while supporting the growth and well-being of our community. We strive to be a trusted partner in your financial journey, whether you're saving for your first home, managing debt, or planning for retirement. We're dedicated to fostering financial literacy and empowering our members through education and resources. While members can visit us at 3493 W Shore Dr, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49501 if needed.

Our Journey

From day one, Lake Michigan has focused on fostering strong relationships with our members and the community. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards, and business banking solutions. We've adapted to meet changing needs while remaining committed to delivering exceptional service. Our branch is not just about numbers; it's about people. We believe that every member deserves personalized attention and support. Our team works tirelessly to ensure that each visit is welcoming and fulfilling.

Technology and Accessibility

To better serve you, we embrace digital advancements. Our online and mobile banking platforms offer convenience at your fingertips, allowing you to manage your finances from anywhere. Additionally, we ensure that our facilities are ADA compliant so that everyone can access our services without barriers.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated close to popular local spots, including scenic parks and shopping centers, you can easily find us while exploring the area. Whether you're grabbing coffee at a nearby café or enjoying a stroll by the lake, stopping by our branch is a breeze. We have ample parking available for your convenience, and our facilities are designed with accessibility in mind, featuring ADA-compliant ramps for those who need them.

Operating Hours and Services

Our friendly team is here to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need help with personal banking services like checking and savings accounts or are interested in loans and credit cards, we offer a wide range of services tailored just for you. Plus, we have an ATM on-site for quick cash withdrawals and balance checks. For those who prefer not to enter the building, our drive-thru service makes banking even more convenient. You can handle deposits, withdrawals, and simple transactions from your vehicle. If you ever need to reach out to us directly, don't hesitate to call at 616-464-7720. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49501. We invite you to come in and experience the warm welcome of Lake Michigan Credit Union. Our team is eager to assist you with all your financial needs!

Member Eligibility

At Lake Michigan, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family. If you live, work, worship, or attend school in the area, you're likely already eligible to become a member! We welcome individuals from various backgrounds and financial needs, making it easy for everyone to join us. Being a member at Lake Michigan means gaining access to personalized services, competitive rates, and a friendly team dedicated to helping you achieve your financial goals. To get started with your membership journey, simply visit us at our branch located at 3493 W Shore Dr Holland Mi 49424, or give us a call at (616) 464-7720. For detailed eligibility criteria and the latest updates, check out our website at . We're excited to have you with us!

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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

In today's fast-paced market, efficient payment processing can make a significant difference. Our merchant services simplify transactions, allowing you to focus on what really matters serving your customers. Imagine being able to accept payments anytime and anywhere, enhancing customer satisfaction while boosting your sales. Discover how Lake Michigan, located at 3493 W Shore Dr Holland Mi 49424 in Holland, MI, can partner with you for all your business banking needs. Let us help you pave the way for success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners in Holland, we have specialized services just for you! Our business banking solutions include merchant services and business loans tailored to help you grow. Whether you're starting a new venture or expanding an existing one, we're here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've made sure our digital banking features are top-notch. With online and mobile banking capabilities, accessing your accounts anytime, anywhere is simple. You can easily transfer funds, pay bills, and even make person-to-person payments directly from your smartphone.

Easy Access and Support

We also recognize the importance of accessibility when it comes to managing cash flow. Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Additionally, our drive-thru service offers quick access for deposits and simple transactions on the go. At Lake Michigan, we strive to be more than just a financial institution; we aim to be a trusted partner in all aspects of your financial life. If you have questions or need assistance with any of our services, feel free to call us at 616-464-7720 or visit us during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Don't wait come discover how Lake Michigan can help you achieve your financial goals today!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that help you manage your everyday finances effortlessly. Imagine having easy access to your funds while also earning interest on your savings. With our competitive rates and user-friendly online banking platform, monitoring your accounts is just a few clicks away. When it comes to financing your next vehicle, our auto loans provide flexible options to fit any budget. You can drive away in your dream car without the stress of complicated paperwork. Plus, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans are designed to help you achieve that goal without hassle.

Support for Your Financial Goals

We understand that life can come with unexpected expenses. That's why we offer personal loans and debt consolidation services. These options allow you to streamline payments and tackle debts more effectively. For those who prefer using credit for their purchases, our credit cards come with rewards that make every swipe worthwhile.

Digital & Online Banking

Accessibility and Ease-of-Use

Every feature we provide is designed with ease of use in mind. You can quickly navigate through our services and find what you need without any hassle. Our goal is to empower you with real-time account management so that you're always in control of your finances. In today's fast-paced world, having the ability to bank online or via mobile not only saves time but also gives you peace of mind knowing that your financial information is secure. Experience the freedom of banking on your terms at Lake Michigan.

Key Features

With our online banking platform available at http://www.lmcu.org, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer funds whenever it suits you. You'll also appreciate the added security of electronic signature authorization, allowing you to complete transactions safely without needing to visit a branch. If you prefer to manage your finances from your smartphone, our mobile application is here for you! With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases is just a tap away. Plus, if you choose to receive e-statements, you'll get instant access to your account statements without the clutter of paper.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

Growing Together

Total Share Accounts stand at 1,286,000, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $119,129,434, we are well-equipped to meet your needs. 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 3493 W Shore Dr Holland Mi 49424 or call (616) 464-7720 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.

Investing in Our Members

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 your financial goals with $56,155 in used auto loans and $11,981,389,651 in total loans and leases.

Secure Savings Opportunities

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.

Strong Financial Health

With a net worth of $1,637,578,402, we maintain robust 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

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 a brand-new model or a reliable used vehicle, we have financing options tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team is here to assist you every step of the way. We want to ensure that everyone has access to the funds they need when they need them. If you're considering refinancing your current loan or are curious about eligibility options for any of our products, don't hesitate to reach out. Our dedicated team at Lake Michigan is here to help you navigate through your loan options. You can contact us at (616) 464-7720, or visit us at our location: 3493 W Shore Dr Holland Mi 49424, Holland, MI. 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 be part of your financial journey!

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 competitive rates and flexible terms to make your journey to owning a home as smooth as possible.

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 features that allow you to build credit while enjoying perks and rewards.

Loan Aggregator

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 loan offers are fair and transparent.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, helping them make informed decisions. 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!" 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