Lake Michigan Credit Union Wyoming MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Lake Michigan in Wyoming, MI! Since our establishment in 1933, we've been committed to serving our community with trust and reliability. Located at 2636 44th St SW, we invite you to discover a credit union that prioritizes your financial well-being and empowers you every step of the way. At Lake Michigan, we're proud to support a vibrant membership base of over 496,820 individuals. With total assets exceeding $14.38 billion, we are equipped to offer you a wide range of financial services tailored to meet your needs. Our portfolio includes everything from checking and savings accounts to auto loans, mortgages, and business banking solutions. While members can visit us at 2636 44th St SW, 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 for excellence in service delivery. Our dedicated team of 1,678 employees is here to assist you with personalized care and expertise. We understand that each member's journey is unique, which is why we focus on building strong relationships within the community. Financial strength is crucial for any institution. With total deposits amounting to $1.22 billion and a net worth of $1.64 billion, we are not only stable but also well-prepared to help you achieve your financial goals. Our commitment extends beyond just numbers; we aim to make a positive impact in the lives of our members and the communities we serve. Ready to experience top-notch service? Whether you're looking for personal banking options or need assistance with business loans, we're here for you! Feel free to reach out at 616-242-9790 or explore our offerings at Lake Michigan Credit Union. Join us today and let's build a brighter financial future together!

Branch History & Mission

Community Focus

Our efforts don't stop at banking. We partner with local organizations to support various community programs, emphasizing financial literacy, youth education, and economic development. We believe in giving back because when our community thrives, we all benefit. With modern conveniences like online banking, mobile payments, and an accessible ATM located on-site, managing your finances has never been easier. We also offer drive-thru banking for quick transactions without leaving your vehicle.

Join Us!

As we look ahead, we remain committed to enhancing the member experience through continued improvements in service delivery and technology adoption. If you're not already part of our family, consider joining us at Lake Michigan. Experience firsthand how we can help you achieve your financial goals while also making a positive impact in your community. For more information or if you have any questions, feel free to reach out at (616) 242-9790 or visit our website at http://www.lmcu.org. Join us today and be part of something great!

Our Journey

Located at 2636 44Th St Sw Wyoming Mi 49519, right in the heart of Wyoming, our branch has become a cornerstone of the community. We are easily accessible, just a short drive from local landmarks like [insert nearby landmark or feature for context]. Our journey began with a simple mission: to provide exceptional financial services while supporting the needs of our members and their families. As we evolved, we embraced innovation and technology, ensuring that our services remain relevant and convenient.

Our Mission

At Lake Michigan, our mission is clear: we aim to empower our members through financial education and tailored services that fit their unique needs. We understand that each member's journey is different, whether they're looking to open their first savings account or seeking assistance with home financing. Our commitment extends beyond transactions; we strive to enhance the lives of those we serve by being actively involved in community outreach initiatives. While members can visit us at 2636 44Th St Sw Wyoming Mi 49519, official correspondence should be sent to PO Box 2848, Grand Rapids, MI 49501. We invite everyone in the area to experience the welcoming environment and personalized service that sets us apart.

Branch Location & Accessibility

Welcome to Lake Michigan's Wyoming branch, where your financial needs meet convenience! Located at 2636 44Th St SW in the vibrant city of Wyoming, MI, our branch is easily accessible for all members. Whether you're stopping by for personal banking services or simply to chat with our friendly staff, we're here to help make your experience smooth and enjoyable. While members can visit us at our Wyoming location, official correspondence should be sent to PO Box 2848 in Grand Rapids, MI. Our branch sits near popular local landmarks, making it a convenient stop during your day. With ample parking available and ADA-compliant features, we strive to ensure that everyone can access our services without hassle. At Lake Michigan, we understand how important your time is. That's why we offer extended operating hours: visit us Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you prefer in-person assistance or need to handle transactions quickly, we've got you covered. For those on the go, our ATM services are available for quick cash withdrawals and balance checks. Plus, if you prefer banking from your car, take advantage of our drive-thru service for simple transactions like deposits and withdrawals. We're proud to offer a range of services tailored just for you: checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Our team is dedicated to helping you find the right solutions that fit your lifestyle. Ready to experience personalized banking? Stop by our Wyoming branch today or give us a call at 616-242-9790. We look forward to welcoming you!

Member Eligibility

At Lake Michigan, we believe that joining our community is not just about banking it's about becoming part of a family that cares for your financial well-being. To become a member, you'll find that eligibility is straightforward and welcoming. We invite individuals who live, work, worship, or attend school in the areas we serve to join us. This means if you're part of our local community in Wyoming, MI, you're likely eligible! Plus, being a member comes with fantastic benefits like lower fees and better rates on loans and savings accounts. Opening an account is easy! Just swing by our branch located at 2636 44Th St Sw Wyoming Mi 49519 or give us a call at (616) 242-9790 for more information. You can also check out the detailed eligibility criteria at to see if you qualify. We can't wait to help you take this step towards financial empowerment and support you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services allow you to accept payments easily, whether online or in-store. Picture this: a customer walks into your shop, and with just a tap on their card or mobile device, the transaction is complete. This ease not only enhances customer satisfaction but also helps your cash flow stay healthy. Explore how Lake Michigan can be your partner in success by visiting us at 2636 44Th St Sw Wyoming Mi 49519 or giving us a call at (616) 242-9790. Together, we'll pave the way for your business's future!

Tailored 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.

Comprehensive List Of Services

Business Banking

If you're an entrepreneur or small business owner, our business banking services, including merchant services and business loans, are tailored to help your venture thrive. We understand the challenges businesses face, and we're here to support you every step of the way.

Credit Cards and Rewards

With our credit cards featuring rewards, you can earn points on everyday purchases perfect for turning your spending into savings! Imagine enjoying cash back or travel rewards while managing your expenses comfortably.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why at Lake Michigan, we provide robust online and mobile banking features. You can easily manage your accounts anytime, anywhere check balances, transfer funds, or pay bills all from the palm of your hand! Our ATM services ensure that cash withdrawals are accessible whenever you need them.

Drive-Thru and Basic Services

For quick transactions, take advantage of our basic drive-thru banking, where you can make deposits and withdrawals without leaving your car. Our ATMs also allow for balance checks and easy cash access. At Lake Michigan, we strive to make banking simple and accessible for everyone. Whether you're visiting us in person at 2636 44Th St Sw Wyoming Mi 49519 or accessing our services online via http://www.lmcu.org, we're committed to providing exceptional member service. Ready to explore how we can assist with your financial journey? Call us today at (616) 242-9790 or stop by during our operating hours: Monday-Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We look forward to welcoming you!

Personal Banking

We offer various personal banking options to help you manage your finances effortlessly. Our checking and savings accounts come with competitive rates and no hidden fees, making it easy to save for those important milestones. If you're looking to purchase a vehicle, our auto loans and vehicle financing options can help get you on the road with flexible terms that fit your budget. For those considering homeownership, our mortgage loans and refinancing services are designed to guide you through the process, ensuring you find the right fit for your unique situation. Additionally, if you're facing unexpected expenses, our personal loans and debt consolidation solutions can provide relief when you need it most.

Digital & Online Banking

E-Statements and Mobile Access

Say goodbye to cluttered mailboxes! With e-statements available at Yes, you can receive your account statements electronically. Not only does this save trees, but it also allows for quick access to your financial information whenever you need it. For those who love banking on their smartphones, our mobile application brings the bank right into your pocket. Easily make payments using our mobile payments feature and enjoy the convenience of person-to-person transfers with just a tap. You'll never miss a beat with real-time updates on your accounts.

Security You Can Trust

Your safety is our top priority. Our online banking services are equipped with advanced security measures to keep your information protected. We want you to feel confident when managing your finances online. At Lake Michigan, we're committed to providing tools that enhance your banking experience while ensuring ease of use. Explore all these features and more at http://www.lmcu.org because modern banking should be simple and secure!

Financial Strength

Committed Workforce

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. This dedication translates into operational efficiency reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Together

Our strength is evident as we proudly manage total share accounts of 1,286,000, showcasing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $119,129,434, further enhancing our ability to support your needs. In conclusion, 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 2636 44Th St Sw Wyoming Mi 49519 or call (616) 242-9790 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 Position

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.

Reinvesting in Our Community

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. Additionally, our lending capacity supports your financial goals across various sectors with $56,155 in used auto loans and $11,981,389,651 in total loans and leases.

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 interest rates to make your car-buying experience as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support you with financing solutions that work for you.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our expert staff can guide you through the process.

Refinancing and Eligibility Options

If you're considering refinancing any of your existing loans or would like to learn more about eligibility options for our various loan products, don't hesitate to reach out. Our team is ready to discuss how we can assist you in optimizing your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. You can contact us at (616) 242-9790 for more information or visit our website at http://www.lmcu.org to explore all that we offer. Let's work together towards your financial success!

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. With features such as rewards programs and low interest rates, our credit cards are designed to fit your lifestyle.

Loan Aggregator

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Lake Michigan