Lake Trust Credit Union Lansing MI | Quick Personal Loans & Business Banking

Introduction

At Lake Trust, we believe that your financial journey is more than just numbers it's about community, trust, and support. Located at 624 S Washington Ave, Lansing, MI 48933, our Downtown Lansing branch has been a cornerstone of the community since 1944. With over 178,606 members and counting, we're dedicated to helping you achieve your financial goals, whether you're looking for a new home, financing for your vehicle, or simply managing your day-to-day banking needs. While members can visit us at our branch location, official correspondence should be sent to the same address: 624 S Washington Ave, Lansing, MI 48933. Our commitment to providing exceptional service is reflected in our impressive financial standing; we currently hold total assets of $2,639,209,943, with total deposits reaching $165,763,797. Under the leadership of our CEO, David Snodgrass, and Board President Michael Solo, we strive to create a supportive environment where every member feels valued. With a dedicated team of 477 employees, we are here to assist you with a range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. As a member-focused credit union with a net worth of $285,804,845 and cash in hand totaling $32,552,396, we take pride in our ability to serve our community effectively. Whether you're navigating life's challenges or planning for future dreams, Lake Trust is ready to support you every step of the way. Ready to explore what we can offer? Don't hesitate to reach out! Call us at 888-267-7200 or visit our website at Lake Trust today. Your financial future starts here!

Branch History & Mission

Lake Trust has a rich legacy that dates back to 1944 when it first opened its doors in Lansing, MI. Over the decades, it has grown from a small credit union into a trusted financial partner for over 178,000 members. Located at 624 S Washington Ave, Lansing, MI 48933, our branch is not just a place for banking; it's a community hub where individuals and families come to achieve their financial goals. As we celebrate our history, we also reflect on our mission: to provide exceptional financial services while enhancing the well-being of our community. Our commitment goes beyond traditional banking; we strive to empower our members through education, support, and resources tailored to their needs. Whether it's helping someone secure an auto loan or guiding families through home financing, we are dedicated to making a positive impact in their lives. At Lake Trust, we understand the importance of accessibility. That's why we offer convenient services like drive-thru banking and 24/7 ATM availability, allowing our members to manage their finances on their terms. Our operating hours are designed with your busy schedule in mind: 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 take pride in being ADA compliant and continually seek ways to improve our digital services. From online banking and mobile payments to person-to-person transfers, we ensure that managing your finances is simple and efficient. Our dedication extends into the community through various outreach programs and partnerships. We believe that by working together with local organizations, we can foster growth and prosperity for all residents in Lansing and beyond. If you haven't yet experienced the benefits of membership at Lake Trust, we invite you to join us today. Discover how we can support your financial journey while enriching our community together. For more information or assistance, feel free to contact us at 888-267-7200 or visit us at [Lake Trust's website](https://laketrust.org/). Your future starts here!

Branch Location & Accessibility

Accessibility Features

At Lake Trust, we believe in providing a welcoming environment for everyone. Our branch is ADA compliant with features such as ramps and accessible parking spaces. You can easily navigate our facilities whether you're visiting us on foot or in a wheelchair.

Operating Hours

Our doors are open during convenient hours to fit your schedule. Visit us 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 who prefer drive-thru service, we offer VTM hours Monday through Friday from 7 AM to 7 PM and Saturday from 9 AM to 1 PM. Plus, our ATM with deposit capabilities is available 24/7 for your convenience.

Services Offered

At Lake Trust, we provide a range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer credit cards with rewards and business banking solutions. With both online and mobile banking options available, managing your finances has never been easier. If you have questions or need assistance, feel free to call us at 888-267-7200. We look forward to seeing you at Lake Trust! Come visit us today and discover how we can help you achieve your financial goals.

Member Eligibility

At Lake Trust, we believe that everyone deserves to be part of a community that supports their financial journey. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We welcome individuals and families from all walks of life, ensuring that our community is as diverse as it is vibrant. Plus, when you become a member at Lake Trust, you gain access to a range of benefits, including personalized service and competitive rates on loans and savings accounts. Ready to take the next step? You can find more details about our eligibility criteria by visiting https://laketrust.org/personal/banking/become-a-member?hslang=en. Once you're ready, opening an account is just a click away; simply check out our account opening process here: https://laketrust.org/apply-for-a-loan?hslang=en. If you have any questions or need assistance, don't hesitate to give us a call at (888) 267-7200. We can't wait to welcome you into the Lake Trust family at 624 S Washington Ave Lansing Mi 48933!

Business Banking & Commercial Services

Financing Options 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 Make Sense

In addition to loans, our merchant services are designed to simplify your payment processing. Whether you're a retail shop or a service provider, having reliable payment options is key. Imagine easily accepting credit cards and mobile payments while keeping track of your transactions all from one place. This convenience helps you focus on what you do best: running your business. Visit us at 624 S Washington Ave Lansing Mi 48933 in Lansing, MI to explore how we can partner with you for success! For more information, call us at (888) 267-7200 or check out our website at Lake Trust.

Comprehensive List Of Services

Accessible Banking Services

We also provide essential ATM and cash withdrawal services, ensuring you can access your funds when you need them most. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car a perfect solution for busy days.

Business Solutions at Your Fingertips

For our business members, we offer comprehensive banking solutions including merchant services and business loans. We recognize how essential it is for businesses to have reliable banking support, which is why we aim to provide tools that simplify transactions and foster growth.

Embracing Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Access your accounts anytime, anywhere! With easy bill payment options and mobile deposits, managing your finances has never been easier.

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking options are designed with simplicity and convenience in mind. From checking and savings accounts that help you keep track of your money effortlessly, to auto loans and vehicle financing that make purchasing your dream car attainable, we've got you covered. If you're planning to buy a home, our mortgage loans and refinancing options provide flexible solutions tailored to your situation. And if unexpected expenses arise, our personal loans and debt consolidation services can assist in keeping your finances on track.

Rewarding Credit Card Options

Our credit cards with rewards make everyday spending even more beneficial. Imagine earning points for every dollar spent that can be redeemed for cash back or travel perks! It's just one more way we strive to add value to your financial journey.

Visit Us Today!

We invite you to visit us at 624 S Washington Ave, Lansing MI 48933, or give us a call at 888-267-7200. Our friendly team is ready to assist you with any questions about our services or how to become a member. Explore all that Lake Trust has to offer today and let us help you achieve your financial goals!

Digital & Online Banking

Accessibility & Ease of Use

Our digital banking features are designed to be accessible for everyone. From setting up alerts to keep you informed about your account activity to managing multiple accounts in one place, we've made sure that everything is easy to navigate. You'll have real-time control over your finances, allowing you to focus on what really matters. At Lake Trust, we're dedicated to providing a secure and convenient banking experience tailored just for you. Explore all that our digital banking has to offer today!

Key Services

With our 24/7 online banking services, you can check balances, pay bills, and transfer money whenever it suits you. Want to send money to a friend? Our person-to-person transfers make it quick and hassle-free. Plus, for those who prefer keeping track of their spending through statements, we offer e-statements, so you can go paperless and save time. If you're always on the move, you'll love our mobile application. It puts everything you need right at your fingertips making mobile payments simple and secure. Just link your bank account and start using your phone to make purchases without any fuss. And while we don't currently support electronic signature authorization, rest assured that all transactions are protected with the latest security measures.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 347,904, showing a strong and growing member base that trusts us with their finances. This trust is the cornerstone of our community-focused approach. 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 624 S Washington Ave Lansing Mi 48933 or call (888) 267-7200 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.

Members First

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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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.

Reinvestment for Improvement

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 commitment to growth is evident with $26,023 in used auto loans and $1,959,922,656 in total loans and leases, supporting members' financial goals across various sectors.

Strong Financial Health

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 $1,082 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

In addition to our primary loan offerings, we also have competitive personal loan options available for debt consolidation and other needs. With a total of $497,547,000 in credit lines available, we ensure that our members have access to the resources they need when they need them most. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in exploring any of these loan products further or want to learn about eligibility criteria and refinancing options, visit our website at Lake Trust or contact us directly. Your journey towards achieving your financial dreams starts here!

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 looking for a brand-new model or a reliable pre-owned vehicle, we have options tailored just for you.

Business Loans

For business owners looking to expand or start new ventures, our outstanding commercial loans totaling $383,124,035 provide the capital needed for growth. We understand the unique challenges businesses face and are committed to supporting your success.

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. Our knowledgeable staff is here to guide you through the process and answer any questions about eligibility or refinancing options.

Unsecured Credit Card Loans

Managing finances can be challenging at times. We also provide flexible terms on unsecured credit card loans, with a total of $34,292,642 in loans helping members manage their finances effectively. These cards are designed for convenience and flexibility to fit your lifestyle.

Loan Aggregator

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Lake Trust