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

Introduction

At Lake Michigan Credit Union, we believe in building a strong financial future for our members and the communities we serve. Located at 5986 Metro Way SW, Wyoming, MI 49519, our branch stands as a beacon of trust and reliability since its establishment in 1933. With a total membership of 496,820, we are dedicated to providing personalized banking solutions that fit your needs. While you can easily visit us at our branch, please send any official correspondence to our mailing address: PO Box 2848, Grand Rapids, MI 49546. Our branch is not just about numbers; it's about relationships and community impact. With total assets amounting to an impressive $14,380,227,851 and total deposits reaching $1,216,867,746, we take pride in being financially strong and capable of supporting our members' dreams. Under the leadership of CEO Julie Leonard and Board President Gretchen Tellman, our team of 1,678 employees is committed to ensuring you receive exceptional service every time you interact with us. Whether you're looking for auto loans, mortgages, or personal banking services, we have tailored options designed to help you thrive financially. Our commitment doesn't stop there; we also focus on transparency and accessibility. We invite you to explore more about our offerings by visiting our website at www.lmcu.org or calling us at 616-242-9790 for any inquiries. Join us today and experience the difference that comes with being part of the Lake Michigan family!

Branch History & Mission

Community Focus

As a member-focused institution, we actively engage with local organizations and initiatives that foster growth within our community. We understand the importance of building lasting relationships and being present during times of need. Through partnerships and community outreach efforts, we work hard to support those around us. While you can visit us at our branch location for all your banking needs including ATM access and drive-thru services official correspondence should be directed to our mailing address at PO Box 2848, Grand Rapids, MI 49546 if it differs from your visit. Join us at Lake Michigan today! Experience the difference that comes with being part of a credit union that truly cares about its members and the community. Visit our website at www.lmcu.org or call us at 616-242-9790 for more information on how we can help you achieve your financial goals.

Our Mission

At Lake Michigan, our mission goes beyond just providing financial services. We strive to empower individuals and families by offering a range of products such as checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. We aim to be a reliable partner in your financial journey while also giving back to our community through various outreach programs. We believe in making banking accessible for everyone. That's why we have made advancements in digital banking options like online banking and mobile payments to ensure you can manage your finances anytime and anywhere. Our commitment to customer service is reflected in our operating 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.

Branch Location & Accessibility

Welcome to Lake Michigan, your friendly credit union located at 5986 Metro Way SW in beautiful Wyoming, MI! Our branch is not just a place to handle your banking needs; it's a community hub designed for your convenience. Whether you're stopping by for personal banking, auto loans, or simply to ask a question, we're here to help. Our branch sits conveniently close to major landmarks, making it easy for you to find us. If you're near the Metro Health Hospital or the bustling shopping areas of Wyoming, you can easily swing by. We also offer ample parking right at our location, ensuring that your visit is hassle-free. At Lake Michigan, we believe that everyone should have access to banking services without barriers. Our facility is ADA-compliant and features ramps and accessible entrances, making it easy for all our members to enjoy our services. Plus, with our drive-thru banking available, you can conduct simple transactions from the comfort of your vehicle perfect for those busy days! We know your time is valuable, which is why we've structured our operating hours to fit into your schedule. You can visit us Monday through Thursday from 9:00 AM to 5:30 PM, Friday until 6:00 PM, and even Saturday mornings from 9:00 AM to 1:00 PM. We are dedicated to being here when you need us most. And if you prefer the convenience of ATMs, you'll be pleased to know that we offer ATM services as well. Whether it's checking your balance or making withdrawals, you can count on us. While members can visit us at 5986 Metro Way Sw Wyoming Mi 49519, official correspondence should be sent to PO Box 2848 in Grand Rapids if needed. If you have any questions or would like more information about what we offer from checking and savings accounts to auto loans and credit cards don't hesitate to give us a call at 616-242-9790. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Lake Michigan is like joining a family that truly cares about your financial well-being. If you're a resident of Michigan or work for one of our partner organizations, you're already on your way to enjoying the benefits we offer. We believe that everyone deserves access to quality financial services, and we welcome individuals from all walks of life. For more detailed eligibility criteria, feel free to check out our website at . Joining us is simple and straightforward! You can start the process by visiting us at our branch located at 5986 Metro Way Sw Wyoming Mi 49519 or give us a call at (616) 242-9790. Our friendly team is here to help you open an account and guide you through every step of becoming part of our community. We can't wait to have you with us at Lake Michigan, where your financial journey matters.

Business Banking & Commercial Services

Loan Options Tailored for Your Success

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 That Make a Difference

In addition to our loan offerings, we provide merchant services that streamline payment processing and enhance customer experiences. Whether you're accepting credit cards or managing online payments, our services are designed to simplify your transactions, allowing you to focus on what you do best running your business. Located at 5986 Metro Way Sw Wyoming Mi 49519, Wyoming, MI, our team is ready to partner with you on your journey to success. Reach out today at (616) 242-9790 and discover how we can help your business thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, if you prefer handling transactions in person but are short on time, our basic drive-thru banking service lets you make deposits or withdrawals quickly without leaving your vehicle. We invite you to visit us at 5986 Metro Way Sw Wyoming Mi 49519 or give us a call at (616) 242-9790 to learn more about how we can serve you better. Whether you're opening an account or applying for a loan, our friendly staff is here to assist you with all your financial needs. Join us at Lake Michigan, where we're dedicated to helping you achieve your financial goals!

Business Banking

For entrepreneurs and business owners in our community, we offer robust business banking services. From merchant services to business loans, we provide the tools necessary to help your business thrive. Our team understands the local market and is ready to support your growth ambitions.

Credit Cards

If you're looking for rewards on your spending, our credit cards offer just that! With competitive rates and benefits, you can earn rewards while making everyday purchases because why not get something back for what you spend?

Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize online and mobile banking features at Metro. With easy access to your accounts anytime and anywhere, managing your finances has never been simpler. Utilize features such as mobile payments and person-to-person transfers for quick transactions without the hassle.

Lending Solutions

Sometimes life presents unexpected challenges that require quick financial solutions. That's where our personal loans and debt consolidation services come into play. We understand that everyone's situation is unique; therefore, our team is dedicated to finding a loan option that fits your needs without adding unnecessary stress.

Personal Banking

When it comes to personal banking, we provide various options tailored for you. Open a checking or savings account with us and enjoy features that help you manage your money effortlessly. If you're in the market for a new vehicle, our auto loans and vehicle financing options can get you behind the wheel quickly. For those dreaming of home ownership, our mortgage loans and refinancing services are here to guide you every step of the way.

Digital & Online Banking

Key Services Offered

Our online banking platform at http://www.lmcu.org provides a user-friendly experience that makes managing your money a breeze. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. You can also enjoy the convenience of e-statements, allowing you to receive your account statements electronically no more waiting for paper copies in the mail! For those busy days when you're on the go, our mobile application ensures that all these features are right in your pocket. Plus, with mobile payments, making purchases has never been easier; simply tap and go!

Safety and Security

We prioritize your security with electronic signature authorization for transactions. This feature adds an extra layer of protection, giving you peace of mind while you manage your finances online. And if you need to send money to friends or family quickly, our person-to-person transfer service allows you to do just that with ease. At Lake Michigan, we're committed to making banking accessible and straightforward for our members. Whether you're using a computer or a smartphone, our online banking services empower you with real-time access to your accounts. Join us today and experience the convenience of modern banking at http://www.lmcu.org!

Financial Strength

A Growing Member Base

Total Share Accounts: 1,286,000, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $119,129,434. 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 5986 Metro Way Sw Wyoming Mi 49519 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.*

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 is substantial; we have $56,155 in used auto loans and $11,981,389,651 in total loans and leases available to support your financial goals across various sectors.

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Strong Financial Health

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.

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 also provide options for refinancing your existing auto loan, making it easier for you to save money and manage payments effectively.

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 our financial solutions aim to alleviate some of that burden. At Lake Michigan, we prioritize your financial well-being. Our team is ready to assist you in exploring eligibility options for our various loan products. You can reach us at (616) 242-9790 or visit us at 5986 Metro Way Sw Wyoming Mi 49519 in Wyoming, MI for more information. 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 help you find the right loan solution today!

Credit Cards and Personal 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. If you're looking for additional funding for personal projects or consolidating debt, our personal loan offerings can provide the support you need without breaking the bank.

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 buyer or looking to upgrade your living space, we have tailored solutions to fit your needs.

Loan Aggregator

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Lake Michigan