Lake Michigan Credit Union Muskegon MI | Affordable Auto Loans & Checking

Introduction

Welcome to Lake Michigan Credit Union, your trusted financial partner right here in Muskegon, MI! Established in 1933, we have been proudly serving our community for over 90 years. Located at 925 W Sherman Blvd, Muskegon, MI 49441, we are dedicated to providing personalized banking solutions tailored to your needs. With a strong membership of 496,820 individuals and total assets exceeding $14.38 billion, Lake Michigan Credit Union stands out as a pillar of stability and trustworthiness. Our commitment to you is reflected not only in our impressive financial health but also in the diverse range of services we offer from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our CEO, Julie Leonard, along with Board President Gretchen Tellman, lead a team of 1,678 employees who are passionate about helping you achieve your financial goals. As a member-focused institution, we prioritize your needs and strive to build lasting relationships within the community. While members can visit us at our Muskegon branch, official correspondence should be sent to our mailing address: PO Box 2848, Grand Rapids, MI 49501. At Lake Michigan Credit Union, we believe in making banking accessible and convenient for everyone. That's why we offer online and mobile banking services that allow you to manage your finances anytime, anywhere. Plus, with over $1.21 billion in deposits and a net worth of around $1.64 billion, you can rest assured that your money is safe with us. We invite you to reach out! Whether you have questions about our services or need assistance with your account, feel free to call us at 616-242-9790. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members. Visit our website at www.lmcu.org for more information or to explore how we can help you on your financial journey!

Branch History & Mission

Looking Ahead

In addition to traditional services like ATM access and drive-thru banking available at our location, we embrace modern conveniences such as online and mobile banking options. With features like electronic signatures and e-statements, we aim to make your banking experience as smooth as possible while ensuring compliance with ADA standards. As we look toward the future, our focus remains on innovation while keeping our members' needs at heart. Join us at Lake Michigan Credit Union where your journey toward financial empowerment begins. Together, let's build a brighter future for you and your community! For more information or assistance, feel free to reach out at (616) 242-9790 or visit us online at www.lmcu.org.

Our Journey

Located at 925 W Sherman Blvd, Muskegon, MI 49441, our branch has played a pivotal role in the local community for many years. From the very beginning, we aimed to provide accessible financial services to individuals and families in Muskegon and beyond. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards with rewards, and business banking services. This evolution aligns with our mission to empower our members through better financial solutions. While members can visit us at our branch location, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49501. We are here for you during convenient 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.

Our Mission

At Lake Michigan Credit Union, we believe that every member deserves a chance at financial success. Our mission is simple yet profound: to help our members achieve their financial goals while supporting the communities we serve. We strive to provide not just banking services but also valuable resources that promote financial literacy and well-being. Our commitment goes beyond traditional banking; we actively engage in community outreach initiatives and partnerships designed to uplift those around us. Whether it's through financial education programs or local sponsorships, we are dedicated to making a positive impact in Muskegon and the surrounding areas.

Branch Location & Accessibility

Accessibility Features

At Lake Michigan Credit Union, we prioritize accessibility. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services without hassle. Plus, ample parking is available right outside, making it easy to stop by whether you're running errands or just passing through.

Call to Action

Ready to experience exceptional service? We invite you to visit us at the Muskegon branch of Lake Michigan Credit Union or give us a call at 616-242-9790. Our dedicated staff is excited to assist you with all your banking needs!

Operating Hours

We know your time is valuable. That's why our lobby hours are designed for your convenience: Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. On Saturdays, our drive-thru service is open from 9:00 AM until 1:00 PM. Whether you need to make a quick deposit or discuss your financial goals with one of our friendly team members, we're here when you need us.

Services Offered

At our Muskegon branch, we offer a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we have everything you require under one roof. Our drive-thru banking allows for quick transactions like deposits and withdrawals without having to leave your vehicle. And don't forget about our ATM availability get cash or check your balance any time!

Member Eligibility

Joining the Lake Michigan community means stepping into a world of support and opportunity. At our Muskegon branch, located at 925 W Sherman Blvd, we welcome anyone who lives, works, worships, or attends school in the area. Membership is designed to be inclusive and straightforward, so you can easily become part of our family. Here at Lake Michigan, we believe in building strong relationships with our members, providing financial services tailored to your needs. For more detailed eligibility criteria, feel free to check out this link: . Getting started is simple! You can open an account with us by visiting our branch or giving us a call at (616) 242-9790. We're here to help guide you through the process and answer any questions you may have. Together, we'll embark on a journey towards achieving your financial goals!

Business Banking & Commercial Services

Loan Options Tailored for You

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 That Make Transactions Easy

In addition to loans, we offer merchant services that simplify transactions. Picture this: a customer walks into your shop, ready to buy. With our easy payment solutions, you can accept payments swiftly and securely, whether through credit cards or mobile payments. This means happier customers and faster sales for your business. Come visit us at 925 W Sherman Blvd Muskegon Mi 49441, Muskegon, MI or give us a call at (616) 242-9790 to learn how we can partner with you for success!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we offer comprehensive Business Banking services, including merchant services and business loans. We understand that running a business requires financial support tailored specifically for your needs. Let us be your partner in growth.

Cash Withdrawal Services

Need cash quickly? Our ATM & Cash Withdrawal Services ensure that you have access to your money when you need it most. Plus, our drive-thru banking option makes quick transactions even easier just pull up and take care of deposits or withdrawals without leaving your car! At Lake Michigan, we believe that banking should fit seamlessly into your life. With all these services available at our branch located at 925 W Sherman Blvd Muskegon Mi 49441 in Muskegon, MI, there's no better time than now to explore what we can do for you. For more information or if you have any questions, feel free to give us a call at (616) 242-9790. Your financial journey starts here with us!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. From transferring funds between accounts to paying bills on-the-go, our digital banking platform makes it simple and secure.

Get Back on Track Financially

If you're facing challenges with debt, consider our Personal Loans & Debt Consolidation services. We aim to provide solutions that allow you to regain control over your finances. Picture simplifying your payments into one manageable monthly bill our team can help turn that vision into reality.

Home Sweet Home

Looking to buy or refinance your home? Our Mortgage Loans & Refinancing services ensure that you'll find the right plan for your situation. We know how important it is to have a roof over your head, and we're committed to helping you achieve that dream with ease.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to help you save for those special moments in life. Whether you're planning a vacation or saving for a new home, our accounts provide the flexibility and support you need.

Reward Yourself with Credit Cards

Our Credit Cards with Rewards program allows you to earn points while making everyday purchases. It's a great way to get something back from your spending! Whether you're using it for groceries or gas, every transaction brings you closer to exciting rewards.

Vehicle Financing Made Simple

When it's time to hit the road, our Auto Loans & Vehicle Financing options are here to help. With competitive rates and personalized service, securing financing for your dream car has never been easier. Imagine cruising down the highway without the stress of complicated paperwork our team is here to guide you every step of the way.

Digital & Online Banking

Accessing Your Accounts

With our 24/7 online banking services available at http://www.lmcu.org, you can check balances, transfer funds, and pay bills with just a few clicks. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate their accounts with ease. Plus, for added security, we offer electronic signature authorization, so you can complete important transactions without the hassle of paperwork.

Convenience and Security

With enhanced security measures in place, including multi-factor authentication, you can rest assured that your personal information is protected while using our digital services. We prioritize your safety as much as we do convenience. In summary, Lake Michigan offers a comprehensive range of digital banking solutions tailored to fit the lifestyle of every member. Enjoy real-time account management and effortless banking by visiting us online at http://www.lmcu.org today!

Mobile Banking On The Go

Our mobile application is another great tool for members. You can enjoy features like mobile payments, allowing you to make purchases directly from your phone. Plus, with person-to-person transfers, sending money to friends or family is quick and simple. Just download our app and have all your banking needs right at your fingertips!

Stay Updated with E-Statements

Say goodbye to paper clutter! We provide e-statements that let you access your financial statements securely online whenever you need them. This not only saves trees but also helps you keep track of your spending easily.

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 proud to showcase our strong financial foundation, which supports our commitment to providing you with exceptional services and products. 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. Our financial strength is further highlighted by our $1,594,899,679 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $56,155 in used auto loans and $11,981,389,651 in total loans and leases, our lending capacity supports your financial goals across various sectors. 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, 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 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 925 W Sherman Blvd Muskegon Mi 49441 or call (616) 242-9790 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. We provide flexible terms and competitive rates to ensure you can drive away with peace of mind.

Business Loans

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we have tailored solutions to support your business ambitions. At Lake Michigan, we are dedicated to serving our members with personalized lending solutions. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at 616-242-9790 or visit us at our branch located at 925 W Sherman Blvd Muskegon Mi 49441 for more information about how we can assist you in achieving your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Card Loans

Managing finances can be challenging. That's why we 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 card solutions provide not just convenience but also rewards for everyday purchases.

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 cater to first-time buyers as well as seasoned homeowners looking for better rates or terms on their existing mortgages.

Loan Aggregator

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