Lake Trust Credit Union Hastings MI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Lake Trust, your trusted financial partner in Hastings, MI! Located at 1500 West M43 Highway, our branch has been serving the community since 1944. With a strong commitment to our members, we have grown into a vibrant credit union with 178,606 members and total assets of an impressive $2,639,209,943. At Lake Trust, we pride ourselves on being more than just a financial institution. We are dedicated to empowering our members through a wide array of services tailored to meet your personal and business banking needs. Whether you're looking for auto loans or mortgage refinancing, we have options that fit every stage of life. Our total deposits stand at $165,763,797, showcasing the trust our community places in us. With a robust team of 477 employees, led by our CEO David Snodgrass and Board President Michael Solo, we ensure that you receive the highest level of service every time you walk through our doors or reach out to us by phone at 888-267-7200. While members can visit us at our Hastings location, official correspondence should be sent to the same address: 1500 W M-43 Highway, Hastings, MI 49058. We invite you to experience the Lake Trust difference where you're not just a member; you're part of a family that cares. Explore our offerings today by visiting us online at Lake Trust or stop by during our convenient hours: 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. Join us as we continue to grow together in financial wellness!

Branch History & Mission

Commitment to Innovation

As times have changed, so have we. Lake Trust is dedicated to embracing technology that improves convenience and accessibility for our members. From online banking and mobile payments to 24/7 ATM access, we strive to offer modern solutions while ensuring compliance with ADA standards for all our facilities. Our drive-thru service further enhances your banking experience, allowing for quick transactions without leaving your vehicle. With extended hours during weekdays and weekends, we make it easy for you to manage your finances on your schedule. While members can visit us at 1500 West M43 Highway Hastings Mi 49058, official correspondence should be sent to 1500 W M-43 Highway, Hastings, MI 49058 if it differs from our branch address.

Join Us Today

We invite you to become part of the Lake Trust family! Experience firsthand the benefits of membership personalized service, competitive rates on loans and savings accounts, and a community-focused approach that truly makes a difference. Call us today at (888) 267-7200 or visit our website at Lake Trust for more information about how you can join us in building a brighter financial future together.

Our Mission

At Lake Trust, our mission is clear: we aim to empower our members through personalized banking solutions that foster financial wellness and support community growth. We believe that everyone deserves access to quality financial services that enable them to achieve their goals. Whether it's opening a savings account, financing a vehicle, or applying for a mortgage, our team is here to help every step of the way. We are more than just a financial institution; we are an active participant in the Hastings community. Our outreach efforts include partnerships with local organizations and programs aimed at enhancing financial literacy and supporting those in need. We take pride in being involved and making a positive impact on the lives of those around us.

Branch Location & Accessibility

Accessibility Features

At Lake Trust, we believe that everyone should have access to our services. Our branch is ADA compliant, featuring ramps and other accessibility options to ensure all members can easily navigate our space.

Call to Action

Ready to experience personalized service with a community touch? We invite you to stop by the Lake Trust Hastings Branch or give us a call at (888) 267-7200 today! Your financial journey starts here, and we can't wait to help you along the way!

Nearby Landmarks

Just a short drive from popular local spots like the Hastings City Park and the Barry County Historical Society, our location makes it simple to combine your banking needs with errands or leisure activities. Plus, with ample parking available right outside, visiting us is hassle-free.

Operating Hours

We know that your time is valuable! That's why we offer extended hours for your convenience. Our lobby hours are Monday through Thursday from 9 AM to 5:30 PM, Friday until 6 PM, and Saturday from 9 AM to 1 PM. If you're looking for more flexibility, our Drive-Thru VTM (Video Teller Machine) is available Monday through Friday from 7 AM to 7 PM and on Saturdays from 9 AM to 1 PM. And for those late-night transactions? Our ATM is open 24/7.

Services Offered

Our Hastings Branch provides a variety of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. If you're interested in business banking solutions or simply need assistance with online banking, our knowledgeable staff are always ready to assist. While members can visit us at 1500 West M43 Highway Hastings Mi 49058, official correspondence should be sent to 1500 W M-43 Highway, Hastings, MI 49058 if different.

Member Eligibility

Welcome to the community at Lake Trust! Becoming a member is more than just opening an account; it's about joining a supportive network that values you. If you live, work, or worship in the areas we serve, you're likely eligible for membership. We welcome individuals and their families who share our mission of financial well-being and community support. Whether you're looking to open a checking account, take out a loan, or just want access to personalized banking services, we've got you covered. To learn more about our eligibility criteria and see if you qualify, check out this resource: https://laketrust.org/personal/banking/become-a-member?hslang=en. It's straightforward and friendly just like us! When you're ready to take the next step, opening an account is simple. Visit us at our Hastings branch located at 1500 West M43 Highway Hastings Mi 49058, or give us a call at (888) 267-7200. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, efficient payment solutions are crucial. Our merchant services simplify transactions so you can focus on what you do best running your business. Imagine a busy Saturday at your shop; with our easy-to-use payment systems, you can serve customers quickly and securely, ensuring they leave happy and ready to return. Visit us at 1500 West M43 Highway Hastings Mi 49058 in Hastings, MI, or call us at (888) 267-7200 to learn how we can empower your business journey.

Tailored Business Loans

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.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, we provide robust business banking solutions, including merchant services and business loans. This means you can focus on growing your business while we handle the banking side of things.

Credit Cards and Rewards

Everyone loves rewards! That's why we offer credit cards with rewards, allowing you to earn while you spend on everyday purchases. It's an excellent way to get more value from your transactions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize our online and mobile banking services. You can easily manage your accounts from anywhere at any time whether it's checking balances, making transfers, or paying bills. Our digital platform also supports ATM and cash withdrawal services, so accessing cash is quick and simple whenever you need it.

Drive-Thru & ATM Access

For members who prefer face-to-face service but still want efficiency, our drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, our ATMs are available for basic access like withdrawals and balance checks. At Lake Trust Hastings Branch, we're committed to ensuring that every member has access to the financial tools they need for a successful future. If you're ready to explore what we can do for you or if you have any questions about our services, please feel free to reach out at 888-267-7200 or visit us at Lake Trust. Join us today and experience personalized banking designed just for you!

Personal Banking Solutions

Starting your financial journey with us is easy. We offer a variety of checking and savings accounts tailored to fit your lifestyle. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing options can help you drive away in your dream car without breaking the bank. For those considering homeownership, our mortgage loans and refinancing services provide flexible terms to make your dreams a reality. Additionally, our personal loans and debt consolidation options are here to support you through life's unexpected expenses.

Digital & Online Banking

Key Features

Our mobile application makes banking even easier. You can download it to make transactions with just a few taps on your smartphone. Plus, if you're someone who prefers using digital wallets, our mobile payments feature allows for quick and secure transactions without the hassle of cash or cards. We also provide person-to-person transfers, making it simple to send money to friends and family in seconds. Need to sign documents electronically? We've got you covered with electronic signature authorization, allowing for quick approvals without any paper clutter. For those who prefer going green, our e-statements are available so you can keep track of your finances while reducing paper waste. This feature not only helps the environment but also gives you easy access to your statements whenever you need them. At Lake Trust, we prioritize your security. Our online services are designed with safety in mind so you can bank with peace of mind. We're here to support your financial journey with user-friendly tools that make managing your money straightforward and efficient. Explore all these features today at https://laketrust.org/ and take advantage of what modern banking has to offer!

Financial Strength

At Lake Trust, 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 dedicated to ensuring the financial health of our credit union so that you can feel confident in your choice to bank with us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $285,804,845, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1082 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 $544,882,520 in share certificates and $416,960,753 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $191,939,705 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 members' financial goals across various sectors with $26,023 in used auto loans and a total of $1,959,922,656 in total loans and leases. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also 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, committed team. Total Share and Deposit Accounts stand at 347,904, 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 Trust is your trusted partner. Visit us at 1500 West M43 Highway Hastings Mi 49058 or call 888-267-7200 to learn more about how we can help you achieve your financial goals.

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 financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process and make it as straightforward as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $383,124,035 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are dedicated to supporting local entrepreneurs with tailored financing options. If you're considering refinancing any of these loans or want to learn more about eligibility options available at Lake Trust, don't hesitate to reach out. You can contact us at 888-267-7200 or visit us at 1500 West M43 Highway Hastings MI 49058 for personalized assistance. 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 financial journey starts here; let's work together toward achieving your goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $51,534,254, designed to help you secure your dream home without unnecessary hassle. Our knowledgeable staff will walk you through every step of the mortgage process so you can feel confident in your choice.

Unsecured Credit Card 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. Whether you're looking to consolidate debt or simply need a reliable way to handle everyday purchases, our credit card solutions come with rewards and benefits that cater to your lifestyle.

Loan Aggregator

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Lake Trust