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

Introduction

A Community-Focused Approach

While you can always visit us at our branch location for personalized service, official correspondence should be sent to the same address: 4465 E Grand River Ave, Howell, MI 48843. Our robust offerings include business loans with a net member business loan balance of $389,960,293, catering to local businesses as well. We understand that your financial health is essential not just for individuals but also for the broader community. That's why we emphasize responsible lending practices and focus on enhancing the well-being of those around us.

Let's Connect!

Ready to take the next step? Whether you have questions or want assistance with your accounts or loans, don't hesitate to reach out! Call us at 888-267-7200 or visit our website at Lake Trust for more information. We look forward to serving you and being part of your financial success story!

Our Commitment to You

As a credit union, we prioritize our members' needs above all. Whether you're looking for personal banking options like checking and savings accounts or seeking financing through auto loans and mortgages, we've got you covered. In addition to traditional banking services, we offer innovative solutions such as online and mobile banking for your convenience. With total deposits amounting to $165,763,797 and a net worth of $285,804,845, Lake Trust is not just financially stable; we are here to help you navigate your financial journey with confidence. Our dedicated team of 477 employees, led by CEO David Snodgrass and Board President Michael Solo, works tirelessly to ensure that you receive the best service possible.

Branch History & Mission

Welcome to Lake Trust, a cornerstone of community banking in Howell, Michigan. Established in 1944, our branch has been a trusted partner for generations, dedicated to fostering financial well-being and supporting our local community. Since the very beginning, we have aimed to make banking accessible and beneficial for everyone in our area. Over the years, Lake Trust has grown significantly. Today, we proudly serve over 178,000 members and manage total assets of approximately $2.64 billion. Our commitment to providing exceptional service has allowed us to expand our offerings while maintaining the personal touch that our members appreciate. You can find us at 4465 E Grand River Ave, Howell, MI 48843, conveniently located near popular local landmarks. Our branch is designed with your needs in mind and features both ATM services available 24/7 and drive-thru banking options for quick transactions. If you need to reach us by mail, please send your correspondence to the same address: 4465 E Grand River Ave, Howell, MI 48843. At Lake Trust, our mission is clear: we strive to empower individuals and families through personalized financial solutions while actively engaging in community support initiatives. We believe that when our members thrive, so does our community. This philosophy guides us as we provide a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. As we look to the future, we embrace digital advancements to enhance member experiences. With online banking and mobile payment options available, managing your finances is easier than ever. We are also committed to accessibility; our facilities meet ADA standards ensuring everyone can benefit from our services. Our outreach efforts extend beyond banking. We partner with local organizations to support education programs and community events that uplift those around us. By investing in initiatives that matter most to our members and neighbors, we strengthen the bonds that make Howell a great place to live. Join us on this journey! At Lake Trust, you are not just a member; you are part of a thriving community focused on growth and support. Experience the benefits of being part of something bigger reach out today at 888-267-7200 or visit Lake Trust to learn more about becoming a member or opening an account. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Lake Trust, your friendly neighborhood credit union located at 4465 E Grand River Ave in Howell, Michigan. Our branch is not just a place for banking; it's a hub where convenience meets community. Situated in the heart of Livingston County, we are easily accessible and close to local landmarks, making it simple for you to drop by whenever you need us. Whether you're coming from downtown Howell or nearby areas, you'll find plenty of parking available right outside our doors. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. At Lake Trust, we understand that life can be busy. That's why we're here for you during flexible 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. For those on the go, our drive-thru service offers extended hours with the VTM (Video Teller Machine) open Monday from 7 AM to 7 PM and Saturday from 9 AM to 1 PM. And if you need access to funds outside of regular hours, our ATM is available 24/7 for cash withdrawals and deposits. While members can visit us at this convenient location for personal banking services like checking accounts, auto loans, and more, official correspondence should be sent to the same address: 4465 E Grand River Ave, Howell, MI 48843. Have questions or need assistance? Feel free to give us a call at 888-267-7200. Our friendly staff is ready and eager to help you with all your banking needs. We look forward to welcoming you at Lake Trust!

Member Eligibility

Becoming a member of Lake Trust is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Howell area, you're already on your way to enjoying the benefits we offer! We believe in making banking accessible and supportive for everyone. Our membership is open to individuals who meet certain eligibility criteria, which you can learn more about by visiting our website at https://laketrust.org/personal/banking/become-a-member?hslang=en. There, you'll find detailed information about how easy it is to become a part of our community. Once you're ready to join us at Lake Trust, opening an account is a breeze! You can start the process online by visiting https://laketrust.org/apply-for-a-loan?hslang=en, or simply give us a call at (888) 267-7200 if you have any questions. We're located at 4465 E Grand River Ave Howell Mi 48843, and our friendly team is always here to help guide you through every step. Join us today and experience the difference of being part of a credit union that puts its members first!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Imagine your customers paying quickly and easily while you focus on what you do best running your business. Our merchant services streamline transactions, making payments hassle-free for both you and your customers. From card processing to online payment solutions, we provide the tools you need to keep your business moving forward. Located at 4465 E Grand River Ave Howell Mi 48843 in Howell, MI, our team is ready to partner with you on your journey toward success. Visit us or call (888) 267-7200 today to learn more about how we can help your business grow!

Tailored Loan Options

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

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are available 24/7, giving you easy access whenever you need it. Plus, our drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days! Our branch operates Monday through Thursday from 9 AM to 5:30 PM; Fridays until 6 PM; and Saturdays from 9 AM to 1 PM. You can always reach us at 888-267-7200 if you have any questions or need assistance. At Lake Trust, we're more than just a credit union we're part of the Howell community. Let us help you take charge of your financial future today! Visit us in person or check out our services online at Lake Trust!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it simple for you to hit the road without breaking the bank. We offer flexible terms and competitive rates, ensuring that you get behind the wheel with a plan that suits your budget.

Business Banking Services

For local businesses, we offer comprehensive business banking services including merchant services and business loans. We know how important it is for businesses in our community to thrive, so we provide tailored solutions that empower entrepreneurs like you.

Credit Cards with Rewards

Want to earn rewards while you spend? Our credit cards come with fantastic rewards programs designed for everyday purchases. Enjoy cashback on groceries or points for travel whatever fits your lifestyle best!

Mortgage Loans & Refinancing

Owning a home is one of life's biggest achievements, and we are here to help make it happen. Our mortgage loans and refinancing options provide you with affordable solutions tailored to fit your situation. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we've got the expertise to guide you through every step.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Lake Trust offers robust online and mobile banking features. Access your accounts anytime from anywhere using our user-friendly app or website. You can check balances, transfer funds, pay bills, and even send money with ease.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services have you covered. Imagine having easy access to your funds while enjoying competitive interest rates that help your money grow. With Lake Trust, managing your finances is straightforward and stress-free.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and when it does, personal loans can be a lifesaver. If you're considering consolidating debt or funding a major purchase, our team will work with you to find the right loan for your needs. We understand that every situation is unique, which is why we focus on personalized service.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also take advantage of our e-statements feature, which provides quick access to your account statements without the clutter of paper. It's not only eco-friendly but also helps keep your information organized. For those who prefer banking on the go, our mobile application is ready to assist you. It offers all the essential features right at your fingertips, including person-to-person transfers that make sending money to friends and family easy. Plus, with our mobile payments feature, you can pay with just a tap making transactions faster than ever.

Security and Accessibility

Your security is paramount at Lake Trust. While we do not currently offer electronic signature authorization, rest assured that all your transactions are protected by advanced security measures. Our user-friendly interface ensures that even those new to online banking will find it easy to navigate. With the ability to manage your accounts in real-time and access support whenever needed, Lake Trust is committed to providing an accessible banking experience tailored to your lifestyle. Whether you're at home or on the move, we've got your back! Explore all these features today by visiting us at https://laketrust.org/ and experience a new way to bank with confidence!

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. Our commitment to maintaining strong financial health allows us to provide you with the best possible services and rates. 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. With $26,023 in used auto loans and a total of $1,959,922,656 in loans and leases, our lending capacity supports your financial goals across various sectors. Our $0 net income reflects our operational efficiency as we 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 and committed team. Total Share Accounts stand at 347,904, showing a strong and growing member base that trusts us with their finances. Our overall assets amount to $2,639,209,943, demonstrating our robust position within the community. 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 4465 E Grand River Ave Howell Mi 48843 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 interested in financing a new vehicle or a reliable used one, 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 your business. We recognize that businesses require unique solutions and are committed to offering tailored support. If you're considering refinancing any existing loans or want to check your eligibility for our various loan products, visit our website or give us a call. At Lake Trust, we prioritize transparency and work hard to ensure that our services align with your financial aspirations. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore how we can assist you today!

Credit Lines

In addition to traditional loans, we provide credit lines totaling $497,547,000, allowing you access to funds when you need them without the hassle of applying for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $51,534,254, making buying or refinancing simple. We understand that purchasing a home is a significant commitment and are here to guide you through the process with competitive rates and personalized service.

Unsecured Credit Cards

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. Our credit cards come with various benefits designed to make everyday purchases easier while keeping your financial health in mind.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to providing verified data. All loan offers are sourced from established financial institutions, which fosters transparency in the comparison process. Additionally, LendMesh operates without sponsored listings, meaning that lenders are not prioritized based on paid promotions. This approach allows users to receive unbiased results tailored to their needs. LendMesh also provides real-time rate comparisons. Users can view up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their borrowing options. Thousands of users trust LendMesh for 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 by comparing real-time loan offers today 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.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures fair and transparent offers for all users. By relying solely on verified financial institutions, LendMesh guarantees that users are presented with legitimate loan options.

Lake Trust