Lake Trust Credit Union Grand Haven MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lake Trust, your trusted financial partner in the heart of Grand Haven, MI! Located at 17350 Robbins Rd, our credit union has been serving the community since 1944, with a strong commitment to supporting our members' financial goals. With over 178,000 members and total assets exceeding $2.6 billion, we pride ourselves on providing personalized services tailored to your needs. At Lake Trust, we understand that banking is more than just numbers; it's about building relationships and empowering our members. That's why our dedicated team, led by CEO David Snodgrass and Board President Michael Solo, works tirelessly to create a welcoming environment where you can feel confident in your financial decisions. We offer a range of services from checking and savings accounts to auto loans, mortgages, and business banking solutions. While you can visit us at our Grand Haven branch for all your banking needs, please note that official correspondence should be sent to the same address: 17350 Robbins Rd, Grand Haven, MI 49417. With total loans amounting to 73,602 and deposits reaching $165 million, we strive to ensure that your money is not only safe but also working hard for you. Our net worth stands at an impressive $285 million, reflecting our solid position and commitment to responsible financial management. Ready to take the next step? Whether you're looking to open a new account or apply for a loan, we're here for you! Call us today at (616) 842-3410 or explore our website at Lake Trust for more information. Join us in making your financial dreams a reality!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the Lake Trust family. Experience firsthand the benefits of being a member of a credit union that values relationships over transactions. Together, let's build a brighter financial future for you and your loved ones. For more information about membership or to explore our services further, please call us at 616-842-3410 or visit our website. Join us today!

Our Evolution

Since opening our doors nearly eight decades ago, Lake Trust has continually evolved to meet the changing needs of our members. From our initial focus on providing basic savings accounts to expanding our services to include auto loans, mortgages, and business banking solutions, we have always placed our members first. Today, with total assets exceeding $2.6 billion, we remain dedicated to ensuring financial wellness for everyone in our community. Throughout the years, we have embraced technology to enhance member experience. Our online and mobile banking platforms provide easy access to your accounts anytime and anywhere. We also offer an ATM with deposit capabilities available 24/7 and drive-thru banking for added convenience.

Our Mission

At Lake Trust, our mission is simple yet profound: to empower individuals and families through personalized financial services while fostering a spirit of community support. We believe that everyone deserves access to quality financial resources that promote growth and stability. This commitment extends beyond traditional banking; we actively engage in community outreach efforts and partnerships aimed at making a positive impact in Grand Haven and surrounding areas. While members can visit us at 17350 Robbins Rd, official correspondence should be sent to the same address as our mailing address for ease of communication. We understand that every member's journey is unique. That's why we strive to offer tailored solutions whether it's helping you finance your first car or providing guidance on home ownership. With a dedicated team of professionals ready to assist you, we ensure that your financial goals are not just met but exceeded.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and accessible parking spaces so everyone can access our services without hassle.

Call to Action

We invite you to stop by or call us at 616-842-3410 if you have any questions or would like more information about how we can assist you with your banking needs. We look forward to welcoming you at Lake Trust in Grand Haven!

Operating Hours

Our friendly team is available during convenient hours to serve you better. Visit us Monday through Thursday from 9 AM to 5:30 PM, Fridays until 6 PM, and Saturdays from 9 AM to 1 PM. If you prefer drive-thru banking, we have extended hours for that too! Enjoy our drive-thru service available Monday through Friday from 7 AM to 7 PM and Saturday from 9 AM to 1 PM. Plus, our ATM is available around the clock for your convenience.

Parking and Services

Parking is ample and conveniently located right outside our entrance, ensuring you have easy access when you arrive. At Lake Trust, we offer a range of services tailored to meet your financial needs including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions.

Member Eligibility

Becoming a member of Lake Trust is like joining a close-knit family that truly cares about your financial well-being. If you're looking for a supportive community, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. We also welcome immediate family members of existing members! This means that if you're part of our community, you can enjoy all the benefits we offer, including personalized services and competitive rates. To get started, simply visit us at our branch located at 17350 Robbins Rd Grand Haven Mi 49417, or check out the details on our eligibility criteria at https://laketrust.org/personal/banking/become-a-member?hslang=en. If you have any questions or need assistance, feel free to give us a call at (616) 842-3410. We can't wait to welcome you into the Lake Trust family!

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $392 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $96 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $383,124,035, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make Sense

Beyond loans, our merchant services help streamline your operations. Imagine easily accepting payments from customers whether they're shopping online or in-store. With tailored payment processing solutions, you can focus on what you do best running your business. Our team is here to ensure you have the tools necessary to thrive. Visit us at 17350 Robbins Rd Grand Haven Mi 49417 or call us at (616) 842-3410 to discover how we can help your business achieve its goals today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options offer competitive rates and flexible terms. We understand how important reliable transportation is for your daily life, so we strive to make the financing process straightforward and accessible.

Business Banking

For our business members, we offer merchant services and business loans to support your entrepreneurial journey. We know how vital it is to have reliable banking solutions when running a business, so we aim to provide the support you need every step of the way.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn points on everyday purchases. Think about using your card for groceries or gas and then redeeming those points for travel or cash back it's a win-win!

Digital Banking Features

Convenience is key in today's fast-paced world. That's why Lake Trust offers online and mobile banking services that allow you to manage your accounts anytime, anywhere. You can easily access ATM services for cash withdrawals or check balances without stepping foot in a branch.

Drive-Thru & ATM Services

We also provide basic drive-thru banking for deposits and withdrawals along with ATM access available 24/7 for added convenience. Whether you're rushing to work or out running errands, handling your banking needs has never been easier. At Lake Trust, we believe in building lasting relationships with our members by offering comprehensive services tailored to fit their lives. For more information about how we can assist you or if you're ready to open an account, give us a call at 616-842-3410 or visit our website at Lake Trust. We look forward to serving you!

Mortgage Loans & Refinancing

Homeownership is a dream for many, and our mortgage loans can help turn that dream into reality. If you're already a homeowner, consider our refinancing options to secure better rates or adjust your loan terms. This can ease your monthly payments and free up funds for other important expenses.

Personal Banking

Our personal banking services include checking and savings accounts that make managing your daily finances easy. Imagine having a checking account that allows for hassle-free transactions while also earning interest on your savings. At Lake Trust, we ensure your money works as hard as you do.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes you may need extra support financially. Our personal loans are designed to help you through those times, whether it's consolidating debt or covering unexpected expenses. We're here to help you manage those financial bumps in the road.

Digital & Online Banking

Key Services

Our online banking service provides a user-friendly experience that allows you to check your balances, transfer money, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 access, you're never more than a few moments away from your financial information. For those who prefer mobile banking, our mobile application makes it simple to manage your accounts right from your smartphone. You can even make mobile payments, so you can pay for purchases without needing cash or cards. And if you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it easy to do just that.

Security and Convenience

We take your security seriously. While we do not currently offer electronic signature authorization, all our digital services are designed with safety in mind. You can rest assured that your personal information is protected as you manage your finances online. Additionally, many members appreciate the option of e-statements, which help reduce paper clutter while providing instant access to your account statements whenever you need them. This means less time searching for documents and more time focusing on what really matters. In summary, whether you're checking in on your savings or making a quick payment, Lake Trust offers modern solutions tailored to fit your lifestyle. Experience the ease of digital banking today by visiting us online at https://laketrust.org/!

Financial Strength

Commitment to Growth

With $191,939,705 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This commitment enhances security measures to serve you better and keeps our offerings competitive.

Efficient Operations

Our operational efficiency is reflected in our net income of $0, allowing us to focus resources on providing exceptional products without compromising quality or service. Additionally, we take pride in having 474 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to meeting your needs.

Growing Community Trust

With 347,904 total share accounts, we have built a strong and growing member base that trusts us with their finances. This trust is what drives us to keep improving every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lake Trust is your trusted partner. Visit us at 17350 Robbins Rd Grand Haven MI 49417 or call 616-842-3410 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

We prioritize our members' needs. With $544,882,520 in share certificates and $416,960,753 in money market shares, your savings are secured while offering stable and rewarding financial growth opportunities. Unlike traditional banks that may focus on profits first, our model puts you our member at the center of everything we do.

Solid Capital Foundation

Our net worth ratio of 10.82% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of capital helps us safeguard your deposits and ensures our operations remain robust.

Strong Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $26,023 in used auto loans and over $1.96 billion in total loans and leases. Whether you're looking to purchase a vehicle or need financing for other important life events, we're here to help make those dreams come true.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $410,972,000 in used vehicle loans and $92,290,479 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $383,124,035 provide the capital needed to grow and expand. We are committed to supporting local businesses with tailored solutions that cater to their unique needs. At Lake Trust, we prioritize transparency and accessibility in all our loan offerings. For more information about refinancing options or eligibility requirements for any of our loan products, feel free to give us a call at 616-842-3410 or visit our website at laketrust.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward better financial health starts here!

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $34,292,642 in loans helping members manage their finances effectively. This means you can take control of your spending while enjoying rewards that enhance your everyday purchases. Additionally, our personal loan options can assist you with debt consolidation or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $51,534,254, ensuring you have access to the financing needed for your new home. If you're looking to refinance an existing mortgage, we can help you explore eligibility options that may reduce your monthly payments or provide cash for other expenses.

Loan Aggregator

Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means you can trust that the information you receive is based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions. This transparency helps users feel secure in their choices. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so that users can choose what's best for them. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, aiding them in making informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your financial future today. Compare real-time loan offers 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.

Lake Trust