Lake Trust Credit Union Mount Pleasant MI | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Lake Trust, your trusted financial partner right here in the heart of Mount Pleasant, MI. Established in 1944, our credit union has proudly served our community for decades, growing alongside our members and adapting to their needs. We invite you to visit us at 1011 N Harris St, Mount Pleasant, MI 48858 where we are committed to providing exceptional service and a wide range of financial products tailored just for you. At Lake Trust, we believe that every member deserves personalized attention. With a total membership of 178,606, we strive to create a welcoming environment that fosters financial growth and security. Our assets amount to an impressive $2,639,209,943, reflecting our commitment to stability and trustworthiness. We understand that managing your finances can be overwhelming. That's why we offer diverse services including checking and savings accounts, auto loans, mortgages, personal loans, and even business banking solutions. Whether you're looking to consolidate debt or finance a new vehicle, we have options designed with your best interests in mind. Our dedicated team is led by CEO David Snodgrass and Board President Michael Solo, who are both passionate about the well-being of our members. With a workforce of 477 employees, we ensure that you receive prompt and friendly assistance whenever you need it. While you can reach out to us via phone at 989-772-4055, we also encourage you to explore our website at Lake Trust for more information about our offerings. We're here for you whether it's through online banking or in-person visits. Remember, while members can visit us at our branch location, all official correspondence should be sent to the same address: 1011 N Harris St, Mount Pleasant, MI 48858. Join us today and experience firsthand how Lake Trust makes banking personal!

Branch History & Mission

At Lake Trust, we take pride in our rich history and unwavering commitment to serving the community of Mount Pleasant, MI. Established in 1944, our branch has grown from humble beginnings to a thriving financial institution with over 178,000 members. Our journey has been marked by dedication to member service and community involvement, making us an integral part of the lives of those we serve. Located at 1011 N Harris St, Mount Pleasant, MI 48858, our branch is easily accessible and close to key local landmarks. As we reflect on our history, we celebrate significant milestones that have shaped who we are today. From expanding our services to include auto loans, mortgages, and personal banking solutions to embracing technology for online and mobile banking, we've continually evolved to meet the needs of our members. Our mission at Lake Trust is simple yet profound: we aim to provide exceptional financial services while fostering community support. We understand that banking is about more than just transactions; it's about building relationships and empowering individuals to achieve their financial goals. Whether it's offering personalized loan options or providing resources for financial education, we're dedicated to making a positive impact in Mount Pleasant. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1011 N Harris St, Mount Pleasant, MI 48858. We're proud to offer convenient 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 along with a 24/7 ATM available for cash withdrawals and deposits. Lake Trust is not just a bank; we are a part of this community. Through partnerships with local organizations and various outreach efforts, we strive to give back and support initiatives that enhance the quality of life for residents. Our focus on accessibility ensures that everyone can benefit from our services. We invite you to join the Lake Trust family today. Experience firsthand how we can help you with everything from checking accounts and savings plans to vehicle financing and business banking solutions. Become part of a community-oriented credit union that truly cares about your financial well-being. Visit us online or call us at (989) 772-4055 for more information on how you can become a member!

Branch Location & Accessibility

Convenient Accessibility

At Lake Trust, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can visit us comfortably. Parking is readily available for our members, making it convenient for you to stop by whenever you need assistance. Although we do not have a drive-thru service, our friendly staff is always on hand to help you inside the branch.

Operating Hours

We know your time is valuable, which is why we offer flexible operating hours. You can 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. Plus, with our ATM available 24/7, you can access cash and perform basic transactions any time of the day or night.

Services Tailored for You

At Lake Trust, we offer a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to support your financial journey. Our online and mobile banking options make managing your finances even easier. If you have any questions or want more information about our services, feel free to call us at 989-772-4055. We invite you to come visit us at our Mount Pleasant branch! Your financial well-being is important to us, and we're excited to help you achieve your goals.

Member Eligibility

Joining the Lake Trust community means becoming part of a welcoming family that values your financial well-being. To become a member at Lake Trust, you simply need to meet some friendly eligibility requirements. If you live, work, or worship in certain areas or if you're related to an existing member, you're likely eligible! We believe in making banking accessible for everyone, so check out the specific details on our website at this link. Once you know you're eligible, opening an account is a breeze! Our team is here to help guide you through the process and ensure you feel comfortable every step of the way. Feel free to reach out to us at 989-772-4055 if you have any questions. We're located at 1011 N Harris St, Mount Pleasant, MI 48858, ready to assist you in starting your journey with us. Join us today and experience the benefits of being a member of Lake Trust!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, our merchant services simplify transactions so you can focus on what matters running your business. Imagine a busy Saturday at your shop; with our point-of-sale systems, accepting payments is quick and easy. You'll be able to offer your customers a smooth checkout experience while managing your finances effectively. Located at 1011 N Harris St Mount Pleasant Mi 48858 in Mount Pleasant, MI, we invite you to explore how our tailored business banking services can support your journey. For more information, call us at (989) 772-4055 or visit our website at Lake Trust.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive auto loans that make vehicle financing stress-free. Our team will work with you to find a plan that fits your budget and lifestyle. Picture driving away in your dream car without the hassle of complicated loan processes.

Business Banking Solutions

If you're a business owner in need of banking services, Lake Trust offers specialized business banking options including merchant services and business loans. We understand the challenges of running a business and strive to provide financial solutions that support growth and success.

Convenient Access & Support

Need cash? Our ATM services allow for quick withdrawals and balance checks whenever you need them. Plus, with our 24/7 ATM access, managing your money is as easy as it gets! If you have questions or need assistance, don't hesitate to call us at 989-772-4055 during our lobby 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 all the financial possibilities at Lake Trust. Join our community today by visiting us online at laketrust.org or stop by our branch in Mount Pleasant. Your financial well-being is just a visit away!

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that give back every time you swipe. From cash back on everyday purchases to points for travel, you'll be rewarded for spending in ways that matter to you.

Home Financing Options

For those ready to take the leap into homeownership or looking to refinance an existing mortgage, our mortgage loans provide flexible terms and competitive rates. Our experienced staff will guide you through the process, ensuring you understand every step along the way.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Lake Trust has you covered. Our personal banking options make it easy to manage your finances. Imagine having the convenience of accessing your money anytime, anywhere, thanks to our robust online and mobile banking features. With just a few taps on your smartphone, you can check balances, transfer funds, and pay bills without stepping foot in a branch.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Whether it's medical bills or home repairs, our personal loans are here to help. Additionally, if you're juggling multiple debts, consider our debt consolidation options that can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer money with just a few clicks. You can also enjoy the convenience of e-statements, which provide a secure and environmentally-friendly way to manage your account statements. Plus, our mobile application brings all these features right to your fingertips, making it easy to bank on the go. If you're looking for quick and easy ways to send money to friends or family, our person-to-person transfers have you covered. This feature lets you send funds securely without the hassle of cash or checks. And when it comes to making payments, our mobile payments option means you can leave your wallet at home just use your phone!

Security and Accessibility

We take security seriously at Lake Trust. Although we do not currently offer electronic signature authorization, rest assured that our systems are designed with robust safety measures in place to protect your personal information. You can feel confident knowing that your data is secure while enjoying the ease of real-time account management. Whether you're at home or out and about, managing your finances has never been more accessible. With everything from e-statements to person-to-person transfers available through our user-friendly mobile app and online banking services, Lake Trust is here to support you every step of the way. Experience the future of banking today!

Financial Strength

Growing Together

We currently manage 347,904 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. This trust is fundamental to who we are as an organization. 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 1011 N Harris St Mount Pleasant Mi 48858 or call (989) 772-4055 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

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 your financial goals with $26,023 in used auto loans and $1,959,922,656 in total loans and leases.

Member-Centric Savings

Your savings are secure with us. We have $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.

Our Solid Foundation

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

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. We provide financing options for both new and used vehicles to ensure you find the perfect fit for your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $383,124,035 provide the capital needed to grow and expand your business. Whether it's for equipment purchases or operational expenses, we've got you covered. At Lake Trust in Mount Pleasant (1011 N Harris St Mount Pleasant MI 48858), our experienced team is ready to guide you through the loan process. If you're considering refinancing or are unsure about eligibility options, don't hesitate to reach out at 989-772-4055. 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 our offerings today by visiting Lake Trust and take the first step towards achieving your financial goals!

Credit Cards and Personal Loans

Managing everyday expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $34,292,642 in loans helping members manage their finances effectively. In addition to credit cards, we also provide personal loans tailored to help you consolidate debt or cover unexpected costs.

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is ready to assist you every step of the way.

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Lake Trust