Lake Trust Credit Union Howell MI | Top Checking & Auto Loans

Introduction

Welcome to Lake Trust in Howell, Michigan! Located at 228 W Highland Rd, our branch has been a cornerstone of the community since 1944. With a commitment to serving our 178,606 members, we pride ourselves on providing personalized financial services tailored to meet your unique needs. Our credit union is built on trust and reliability, focusing on member satisfaction and community impact. As of now, our total assets stand at an impressive $2,639,209,943, reflecting our strength and stability in the financial landscape. We also have $165,763,797 in total deposits, ensuring that your savings are safe and secure with us. At Lake Trust, we understand that every financial journey is different. Whether you're looking for auto loans of which we currently manage over 73,602 loans or you need help with mortgages or personal loans, our knowledgeable staff is here to guide you every step of the way. Our CEO, David Snodgrass, and Board President, Michael Solo, lead a dedicated team of 477 employees, all committed to enhancing your banking experience. While members can visit us at 228 W Highland Rd, official correspondence should be sent to the same address as it serves both purposes. You can reach us easily at 888-267-7200 during our business 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. We invite you to explore how Lake Trust can help you achieve your financial goals. Visit our website at Lake Trust or come see us in person we're excited to assist you!

Branch History & Mission

Welcome to Lake Trust in Howell, Michigan! Since opening our doors in 1944, we have proudly served our community and watched our membership grow to an impressive total of 178,606 members. Our journey began with a simple yet powerful vision: to provide our community with accessible financial services that empower individuals and families to achieve their goals. Located at 228 W Highland Rd, Howell, MI 48843, our branch is not just a place for transactions; it's a hub for connection and support. Whether you are visiting us for personal banking needs or seeking advice on loans, our dedicated team is here to assist you every step of the way. We invite you to stop by during our operating 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 to experience the warmth of our service firsthand. For those on the go, we also offer drive-thru banking and ATM services available 24/7. Our mission at Lake Trust goes beyond providing financial products; we strive to be a positive force in our community. We believe in building strong relationships with our members and supporting local initiatives that uplift everyone in Howell and surrounding areas. With total assets amounting to $2,639,209,943, we are committed to maintaining financial strength while investing in the needs of our members. As part of our commitment to innovation and accessibility, we offer online banking and mobile payment options that make managing your finances easier than ever. We understand that everyone's financial journey is unique, which is why we provide personalized services like auto loans, mortgages, and business banking solutions tailored just for you. While members can visit us at 228 W Highland Rd Howell Mi 48843, official correspondence should be sent to 228 W Highland Rd, Howell, MI 48843-1162. Our leadership team, including CEO David Snodgrass and Board President Michael Solo, is dedicated to ensuring that Lake Trust remains a trusted partner for all your financial needs. Join us as we continue this journey together! Experience the benefits of being part of a credit union that truly cares about its members and their communities. Visit us today or explore more about membership options at Lake Trust's website. We look forward to welcoming you into the Lake Trust family!

Branch Location & Accessibility

Accessibility and Features

At Lake Trust, we prioritize your convenience and comfort. Our branch features ample parking, including accessible spots for those who need them. Inside, we are fully ADA compliant, ensuring that everyone can easily navigate our space. We offer a drive-thru for quick transactions and an ATM that is available 24/7, allowing you to manage your finances on your own schedule.

Banking Services Tailored for You

At Lake Trust, we offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our online and mobile banking services make it easy for you to manage your accounts anytime, anywhere. While members can visit us at 228 W Highland Rd Howell Mi 48843, official correspondence should be sent to 228 W Highland Rd, Howell, MI 48843-1162. We invite you to drop by or give us a call at (888) 267-7200 if you have any questions or need assistance. Come experience the friendly service at Lake Trust your financial well-being is our priority!

Operating Hours

We understand that life can be busy. That's why our operating hours are designed to fit your needs: we're open 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. If you're in a hurry during the week, our drive-thru service operates from 7 AM to 7 PM on weekdays and until 1 PM on Saturdays.

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, worship, or attend school in the areas we serve, you're already on the path to membership! We also welcome immediate family members of current members, which opens up even more opportunities for those looking to benefit from our community-focused services. At Lake Trust, located at 228 W Highland Rd Howell Mi 48843, we offer a range of financial products designed to support your goals, whether it's saving for a dream vacation or financing a new vehicle. Getting started is simple and welcoming. To explore detailed eligibility criteria, feel free to visit our website at https://laketrust.org/personal/banking/become-a-member?hslang=en. And when you're ready to open an account, check out the easy process outlined at https://laketrust.org/apply-for-a-loan?hslang=en or give us a call at (888) 267-7200. Join us today and experience the advantages of being part of a credit union that puts people before profits!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

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 Simplify Transactions

In today's fast-paced market, having reliable merchant services is essential. Imagine being able to process payments quickly and efficiently, keeping your customers happy while you focus on what you do best running your business. Our merchant services provide seamless transaction solutions that empower you to serve your clientele without interruption. Located at 228 W Highland Rd Howell Mi 48843 in Howell, MI, we invite you to explore how our dedicated team can support your business goals. Reach out to us at (888) 267-7200 or visit us online at Lake Trust to learn more!

Comprehensive List Of Services

Convenient Access Points

For those who prefer face-to-face interactions, our branch provides basic drive-thru banking services for deposits, withdrawals, and simple transactions. We also have ATM access available for quick cash withdrawals and balance checks around the clock. At Lake Trust in Howell (228 W Highland Rd), we strive to create a welcoming environment where all members feel valued and supported. Our friendly staff is always ready to assist with any questions or needs you might have. If you're interested in exploring these services further or want to become a member of our community-focused credit union, please call us at 888-267-7200 or visit us online at Lake Trust. Join us today and take control of your financial future!

Digital Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. You can check balances, make payments, or transfer money anytime right from your phone or computer.

Personal Banking Solutions

Our personal banking services make managing your money straightforward and accessible. With options like checking and savings accounts, you can easily handle your everyday transactions while earning interest on your savings. If you're dreaming of a new car or need to finance an important purchase, our auto loans and vehicle financing options provide competitive rates and flexible terms to help you hit the road with confidence. For those considering homeownership, we offer mortgage loans and refinancing solutions designed to fit various budgets and lifestyles. Our team is dedicated to guiding you through the process, making it as smooth as possible. Additionally, if you're looking for a quick cash solution or want to consolidate debt, our personal loans and debt consolidation services can provide the financial relief you need.

Rewards and Business Banking

Don't forget about our credit cards with rewards! Enjoy benefits that can enhance your purchasing power while providing perks for every dollar spent. For business owners, we have tailored solutions in our business banking section, including merchant services and business loans that can help you grow your venture.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts whenever it suits you. Whether you're at home, at work, or on the go, managing your finances has never been easier. Just visit us at https://laketrust.org/ to get started. You can check balances, pay bills, transfer funds, and much more with just a few clicks.

Easy Mobile Application

Stay connected with our mobile application, available for download now! It allows you to manage your accounts right from your phone. Want to make payments? You can easily do that through our mobile payments feature. Plus, if you ever need to send money quickly to friends or family, our person-to-person transfers make it simple.

Paperless E-Statements

In this digital age, we are committed to sustainability and convenience. Our e-statements provide an easy way to keep track of your transactions without the clutter of paper statements. You can view them anytime online no more waiting for the mail!

Secure Transactions

Your security is our top priority. While we do not currently offer electronic signature authorization for transactions, rest assured that all our digital services are built with top-notch security measures to protect your information. At Lake Trust, we aim to make banking straightforward and accessible for everyone. With user-friendly features and real-time account management at your fingertips, you'll have peace of mind knowing that your finances are always within reach. Experience the ease of digital banking today!

Financial Strength

Conclusion

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 228 W Highland Rd Howell Mi 48843 or call (888) 267-7200 to learn more about how we can help you achieve your financial goals.

Member-Centric Resources

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' interests. With non-member deposits at $0, we ensure that our resources focus 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. We understand that your financial goals are unique, which is why our lending capacity supports members with $26,023 in used auto loans and $1,959,922,656 in total loans and leases across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our $0, which allows us to keep providing competitive loan rates and solid financial products for our members. The commitment of our team is another factor contributing to our stability; we proudly employ 474 full-time employees and 3 part-time employees who are always ready to assist you. We also have an impressive total of 347,904, showing a strong and growing member base that trusts us with their finances.

Our Financial Health

With a net worth of $285,804,845, we maintain robust financial strength, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is vital for ensuring you receive the best possible banking experience. Our net worth ratio of $1,082 demonstrates a strong capital position. This means 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 $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 brand-new model or a reliable used vehicle, we have options that can accommodate your budget.

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing expenses, we also offer total credit lines amounting to $497,547,000. This can be an excellent way to cover unexpected costs or consolidate debt. Additionally, our unsecured credit card loans total $34,292,642, allowing members to manage their finances effectively without the need for collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $51,534,254, make buying or refinancing simple. We provide flexible terms and competitive rates that can help make your dream home a reality.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, be sure to talk with us about eligibility options available for all our products. We want to ensure that you have access to the best possible financial tools tailored just for you. Our dedicated team is available to discuss all these offerings and help you find the right solution. Feel free to reach out at 888-267-7200 during our operating 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at Lake Trust! Explore how we can support your financial journey with our comprehensive loan offerings tailored just for you.

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Lake Trust