Lake Michigan Credit Union Kalamazoo MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Lake Michigan Credit Union at 3326 Gull Rd, Kalamazoo, MI 49048! Since our establishment in 1933, we have proudly served our community and built lasting relationships with our members. With a commitment to providing exceptional financial services, we are here to help you achieve your financial goals. At Lake Michigan Credit Union, we believe in the power of community. Our membership has grown to an impressive 496,820 members, all enjoying the benefits of a credit union that prioritizes your needs. With total assets exceeding $14.38 billion, and total deposits around $1.22 billion, we ensure that your money is safe and sound. Whether you're looking for personal banking solutions like checking and savings accounts or need support with auto loans, mortgages, or business banking services, we've got you covered. Our team is dedicated to helping you navigate your financial journey with ease and confidence. Led by our CEO Julie Leonard and Board President Gretchen Tellman, our experienced team of 1,678 employees is committed to offering personalized service tailored to you. If you have any questions or need assistance, feel free to reach out at 616-242-9790. While members can visit us at 3326 Gull Rd, official correspondence should be sent to our mailing address at PO Box 2848, Grand Rapids, MI 49501. Join us today and experience the difference of being part of a community-focused credit union. Visit our website at lmcu.org for more information on how we can assist you in achieving your financial dreams!

Branch History & Mission

At Lake Michigan Credit Union, located at 3326 Gull Rd in Kalamazoo, MI, we take pride in our rich history and unwavering commitment to our community. Since opening our doors in 1933, we have grown from a small local credit union into a thriving financial institution that proudly serves over 496,000 members. Our total assets now exceed $14.38 billion, a testament to the trust and loyalty of our members. Throughout the decades, we have remained dedicated to providing exceptional financial services while fostering a sense of community. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we aim to meet the diverse needs of our members. In addition to traditional banking services, we offer online and mobile banking options for convenient access anytime, anywhere. Our mission is simple yet profound: to empower our members by providing financial services that enhance their lives while making a positive impact in the communities we serve. We believe in supporting local initiatives and partnerships that uplift those around us. This commitment drives us to be more than just a financial institution; we strive to be a trusted partner in achieving your financial goals. While members can visit us at our Gull Rd location for all their banking needs, official correspondence should be sent to PO Box 2848 in Grand Rapids, MI. Our operating hours are designed with you in mind open Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. For those who prefer drive-thru services, we're happy to accommodate you during these hours as well. As part of our ongoing efforts toward accessibility and innovation, we ensure ADA compliance throughout our branch. We also provide ATM access for quick cash withdrawals and balance checks for added convenience. Join us on this journey! Experience the benefits of membership at Lake Michigan Credit Union today. Let us help you navigate your financial path while being an integral part of the Kalamazoo community. For more information or assistance, please call us at 616-242-9790 or visit our website at lmcu.org. We look forward to welcoming you!

Branch Location & Accessibility

Accessibility Features

At our Gull branch, we prioritize your convenience and comfort. Our facility is ADA compliant, ensuring that everyone can access our services easily. We offer ample parking space right outside the building, making it simple for you to pop in and out. Plus, if you're looking for quick service, take advantage of our drive-thru banking option!

Call to Action

We invite you to visit us at the Gull branch! Our team is ready to assist you with all your banking needs. Feel free to give us a call at 616-242-9790 if you have any questions or need further assistance. We're excited to serve you!

Operating Hours

We understand that life can get busy. That's why our lobby hours are set to accommodate your schedule: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. The drive-thru is open earlier on weekdays starting at 8:30 AM, providing extra flexibility.

Services Available

At Lake Michigan's Gull branch, we offer a range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we have everything under one roof. You can also enjoy the convenience of ATM access for withdrawals and balance checks whenever you need it.

Member Eligibility

At Lake Michigan, we believe that everyone deserves a supportive financial community, and becoming a member is the first step toward enjoying our wide range of services. If you live, work, worship, or attend school in our local area, you may be eligible to join us! We welcome individuals and families from various backgrounds, making it easy for you to become part of our credit union family. For a detailed look at the specific eligibility requirements, feel free to visit our website at . Opening an account with us is simple and straightforward. Just reach out to us at (616) 242-9790 or stop by our branch located at 3326 Gull Rd Kalamazoo Mi 49048 during our convenient operating hours. Our friendly team is here to guide you through the process and answer any questions you might have. Joining Lake Michigan means gaining access to competitive rates on loans, personalized service, and tools designed to help you achieve your financial goals. We can't wait to welcome you as a member!

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. - 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

But it doesn't stop there. We offer robust merchant services that help streamline your payment processes. Imagine being able to accept payments effortlessly, whether in-person or online, allowing you to focus on what matters most growing your business. Our services are built to make transactions smooth and efficient, giving you more time to serve your customers. Located at 3326 Gull Rd Kalamazoo Mi 49048 in Kalamazoo, MI, we are here to empower your business with flexible financial solutions and personalized service. Reach out today at (616) 242-9790 and discover how we can partner with you for success!

Comprehensive List Of Services

Accessible Banking Anytime

Convenience is key at Lake Michigan. Our ATM and cash withdrawal services are available for quick access to your funds anytime you need them. If you prefer face-to-face interactions for basic transactions, our drive-thru banking offers an easy way to deposit or withdraw cash without leaving your car.

Business Banking Services

For small business owners, we understand the importance of having reliable financial services. Our business banking solutions include merchant services that help streamline payments and business loans designed to support growth. With us by your side, you can focus on what matters most running your business.

Connecting with Us

No matter what financial service you're interested in, we're here to assist you. Have questions? Call us at 616-242-9790 during our operating hours: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We invite you to explore all the ways Lake Michigan can assist you in achieving your financial goals. Your journey starts here visit us today!

Credit Card Rewards and Convenience

We also offer credit cards with rewards that can enhance your purchasing power. Enjoy cash back or points towards future purchases while benefiting from secure transactions through our mobile payment options.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts designed to help you manage your finances efficiently. Imagine easily accessing your funds through our online and mobile banking platforms, allowing you to check balances, make transfers, and pay bills from anywhere. For those planning to purchase a vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options provide competitive rates that can help you save money over time. Additionally, if life throws unexpected expenses your way, our personal loans and debt consolidation services can give you the relief you need to get back on track.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds at your convenience. Whether you're at home or on the go, you can manage your account in real-time. If you prefer using a mobile device, our mobile application is available for download, making it even simpler to handle your banking needs. We also offer person-to-person transfers, so sending money to friends or family is just a few taps away. Plus, with electronic signature authorization, signing documents has never been easier or faster no need to print or fax anything!

Security & Convenience

Security is our top priority. Our digital banking platform incorporates advanced security features to protect your information while ensuring that it remains easy for you to access your accounts. You can also opt for e-statements, which not only save paper but also allow you to view your statements securely online whenever you need them. And if you're looking for quick payment options, our mobile payments feature allows you to make purchases directly from your smartphone. At Lake Michigan, we are committed to providing accessible and efficient banking solutions that fit seamlessly into your lifestyle. Experience the convenience of digital banking today and take control of your finances with ease!

Financial Strength

A Solid Foundation

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.

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 lending capacity supports members' financial goals with $56,155 in used auto loans and a total of $11,981,389,651 in loans and leases available. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

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. As of now, we have a total of 1,286,000 share accounts, showing a strong and growing member base that trusts us with their finances.

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.

Your Trusted Partner

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 3326 Gull Rd Kalamazoo Mi 49048 or call (616) 242-9790 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

In addition to auto and mortgage loans, we have various other lending options available. For business owners looking for growth opportunities, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to expand your business ventures. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, please don't hesitate to ask our friendly staff for more details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Lake Michigan, we're committed to supporting our members' financial journeys with transparency and reliability.

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 competitive rates to make financing your vehicle as smooth as possible.

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 aim to guide you through the process so that you can enjoy the benefits of owning a home sooner rather than later.

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 are designed to fit your lifestyle while providing a reliable source for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and reliability in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. 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.

Ensuring Accurate 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 ensures that users receive fair and transparent offers tailored to their financial needs.

Lake Michigan