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

Introduction

Welcome to Lake Michigan, your trusted partner in financial wellness since 1933. Located at 8630 E Main Ave, Zeeland, MI 49464, we are dedicated to providing exceptional service and support to our members. With a robust membership of 496,820 and total assets exceeding $14.38 billion, we pride ourselves on being a pillar of the community. At Lake Michigan, we understand that financial needs can vary widely. That's why we offer a diverse range of services, from personal banking including checking and savings accounts to auto loans, mortgages, and business banking solutions. Our commitment to helping you achieve your financial goals is reflected in our impressive portfolio, which includes over $1.21 billion in total deposits and nearly 269,299 loans and leases. While members can visit us at our Zeeland branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2848, Grand Rapids, MI 49501. Led by our experienced CEO, Julie Leonard, and Board President, Gretchen Tellman, our team of dedicated professionals is here to assist you every step of the way. We believe in building lasting relationships with our members, ensuring that you feel valued and supported throughout your financial journey. Whether you're looking to save for the future or finance your next big purchase, Lake Michigan is here for you. Visit us today or give us a call at 616-242-9790. Together, let's make your financial dreams a reality!

Branch History & Mission

A Modern Approach

We understand the importance of adapting to the needs of our members in today's fast-paced world. That's why we offer convenient services such as online banking and mobile payments, allowing you to manage your finances anytime, anywhere. Our ATM availability and drive-thru banking ensure that accessing your funds is quick and hassle-free.

Join Us

As we look forward to continuing our legacy of service and support, we invite you to become part of the Lake Michigan family. Experience firsthand how our commitment to member satisfaction makes us stand out in the financial landscape. Whether you're new to banking or looking for better options, we're here for you every step of the way. For any inquiries or assistance, don't hesitate to call us at (616) 242-9790 during our operating hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Together, let's build a brighter financial future!

Our Commitment to Community

Over the years, Lake Michigan has been committed not only to providing excellent financial services but also to uplifting the communities we serve. We actively engage in outreach programs and partnerships aimed at fostering growth and development within Zeeland and beyond. Our team is dedicated to creating positive change through various initiatives that support education, health, and welfare in our neighborhoods.

Branch Location & Accessibility

Call to Action

We invite you to come by the Lake Michigan Zeeland branch today! If you have questions or need assistance before your visit, feel free to give us a call at 616-242-9790. We're excited to help you achieve your financial goals!

Nearby Landmarks and Accessibility

Situated near popular local spots, our branch is close to many attractions that make it easy for you to visit us while you're out and about. We take pride in making our location accessible for everyone. Our branch complies with ADA standards, ensuring that all members can navigate comfortably with features like ramps and designated parking.

Operating Hours and Services

We want you to have the best experience possible when you visit us. That's why we offer flexible hours to fit your busy schedule. You can stop by Monday through Friday from 9:00 AM to 5:30 PM and on Saturday from 9:00 AM to 1:00 PM. Need a quick transaction? Our drive-thru service is available for simple banking needs like deposits and withdrawals. In addition to traditional banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards, we also offer online and mobile banking options for your convenience. Whether you prefer visiting us in person or managing your accounts digitally, we've got you covered.

Member Eligibility

At Lake Michigan, we believe that joining our community is a step towards financial empowerment and support. If you're looking to become a member, you'll be pleased to know that eligibility is quite inclusive! Anyone who lives, works, worships, or attends school in the areas we serve can easily join us. This means that if you're part of our vibrant Zeeland community or surrounding areas, you're already on your way to enjoying the benefits we offer. Becoming a member at Lake Michigan not only gives you access to personalized banking services like checking and savings accounts, auto loans, and credit cards but also connects you with a network that truly cares about your financial well-being. To get started with your membership journey, simply visit us at 8630 E Main Ave Zeeland Mi 49464 or give us a call at (616) 242-9790 for more information. We're here to make the process smooth and welcoming! For detailed eligibility criteria, feel free to check out our website at . We look forward to welcoming you into our family!

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. Imagine having the financial backing to invest in new equipment, hire more staff, or launch a marketing campaign. Our loans are designed to empower you to take those next steps confidently.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: you're serving customers on a busy Saturday, and with our seamless payment solutions, they can pay easily whether it's through card swipes or mobile payments. This not only enhances customer satisfaction but also helps streamline your operations. Located at 8630 E Main Ave Zeeland Mi 49464, Zeeland, MI, we're here to provide personalized support and guidance. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick cash or want to make a deposit? Our ATM & Cash Withdrawal Services are available around the clock for your convenience. Additionally, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without ever leaving your car a perfect solution for busy days! At Lake Michigan, we're dedicated not just to meeting but exceeding your expectations with exceptional service tailored just for you. If you have any questions or would like more information about any of these services, don't hesitate to reach out! Call us at (616) 242-9790 or visit us today at 8630 E Main Ave Zeeland Mi 49464 in Zeeland. Let's work together towards achieving your financial goals!

Borrowing Options

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation options come into play. We provide flexible borrowing solutions that allow you to consolidate debt or cover those unforeseen costs without added stress. Plus, our Credit Cards with Rewards give you the chance to earn while you spend, adding value to your everyday purchases.

Business Banking

For our business members, we offer specialized services such as Merchant Services and Business Loans that empower entrepreneurs to thrive. We know how important it is for local businesses to have access to funds and support, so we work closely with each member to find the right solutions for their unique challenges.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your finances anytime, anywhere. With easy access to your accounts, mobile payments, and person-to-person transfer capabilities, taking control of your money has never been simpler.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services guide you through the home-buying process smoothly. With expert advice and tailored solutions, we ensure that securing your dream home is both affordable and straightforward.

Personal Banking

Whether you're opening your first checking account or looking for a reliable savings option, our personal banking services cater to all your needs. We offer various Checking & Savings Accounts, making it simple to manage your money while earning interest. If you're planning to buy a car, our Auto Loans & Vehicle Financing options can help you get behind the wheel with competitive rates and flexible terms.

Digital & Online Banking

Key Features

Our online banking platform offers a variety of features designed to fit your lifestyle. You can access your account 24/7, making it simple to check balances, make transfers, and pay bills anytime you need. Plus, with our electronic signature authorization, you can complete transactions securely without needing to visit the branch. For those who prefer going paperless, we provide e-statements that let you view your account statements online. This not only helps the environment but also keeps your financial information organized and easily accessible. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. Just a few taps on your mobile device, and the money is on its way! Speaking of mobile devices, be sure to download our mobile application for even greater ease of access. It supports mobile payments too, allowing you to make purchases right from your phone.

Security You Can Trust

Your security is our top priority. We implement advanced measures to protect your personal information so you can bank with peace of mind. Whether you're using our online platform or mobile app, we ensure that your data remains safe and secure. With all these tools at your fingertips, managing your finances has never been easier or more efficient. Explore everything we offer today at http://www.lmcu.org and take control of your banking experience with Lake Michigan!

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 understand the importance of a solid financial foundation, which is why we are committed to maintaining a strong position that benefits all our members. 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. 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. 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 and Deposit 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 8630 E Main Ave Zeeland Mi 49464 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. Whether it's a brand-new model or a reliable pre-owned vehicle, our auto loans make it easy to drive away with confidence.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $1,764,695,201 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges businesses face and tailor our offerings accordingly. At Lake Michigan, we're dedicated to providing transparent and accessible lending solutions. If you're unsure about eligibility or have questions regarding refinancing options, don't hesitate to reach out. Our knowledgeable staff is ready to assist you at (616) 242-9790. 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 take the next step towards reaching your financial aspirations!

Credit Lines and Personal Loans

Our credit lines are designed to give you flexibility when you need it most. With a total of $3,484,836,767 available, you can access funds quickly for emergencies or unexpected expenses. Additionally, we also offer unsecured credit card loans totaling $200,170,787, allowing members to manage their finances effectively without the burden of collateral.

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 work closely with you to navigate the process and find terms that fit your financial situation. Plus, if you're considering refinancing your existing mortgage, our team is here to guide you through that option as well.

Loan Aggregator

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Lake Michigan