Lakeshore Credit Union Muskegon MI | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Lakeshore Federal Credit Union, your trusted financial partner since 1953! Located at 2182 Lakeshore Dr, Muskegon, MI 49441, we are dedicated to serving our community with a personal touch. With over 2,540 members and total assets of $41,495,853, we are proud to provide tailored financial solutions that meet the needs of individuals and families alike. At Lakeshore, we believe in the power of community. Our team is here to help you achieve your financial goals, whether it's through auto loans, mortgages, or personal banking services. As of now, we have issued a total of 957 loans while maintaining deposits totaling $1,570,838. Our commitment to our members is further reflected in our strong net worth of $4,994,378 and cash in hand amounting to $248,670. Led by our CEO, Jackie Knowlton, and Board President Faisel Abdelkader, our experienced team is dedicated to ensuring you receive the best service possible. Whether you're visiting us in person or reaching out via phone at 231-755-1202, we're here for you during our operating hours from 8:30 am to 5:00 pm on weekdays and from 9:00 am to 12:00 noon on Saturdays for drive-thru services only. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2182 Lakeshore Dr, Muskegon, MI 49441-1414. We invite you to explore our wide range of services including online and mobile banking options for your convenience. Visit us today or check out our website at Lakeshore FCU for more information about how we can assist you in your financial journey. Join us in building a stronger community together!

Branch History & Mission

At Lakeshore Federal Credit Union, our story began in 1953, rooted in a commitment to serve the financial needs of our community in Muskegon, MI. Over the years, we have grown from a small group of members to a thriving community of over 2,540 individuals who trust us with their financial well-being. Our journey reflects not only our dedication to financial services but also our deep connection to the people we serve. Located at 2182 Lakeshore Dr, Muskegon, MI 49441, our branch stands as a beacon of support for our members. We are proud to offer a wide range of services tailored to meet diverse financial needs from personal banking and auto loans to mortgage refinancing and credit cards with rewards. Our proximity to local landmarks makes it easy for members to visit us and experience our friendly service firsthand. Our mission is clear: we strive to empower our members by providing accessible and affordable financial solutions while fostering a sense of community and belonging. We are dedicated to enhancing the quality of life for those we serve by offering personalized service and engaging in meaningful outreach efforts throughout Muskegon County. As part of this commitment, we ensure that our facilities are ADA compliant and equipped with modern technology for digital banking making it easier than ever for members to manage their finances online or via mobile apps. While members can visit us at 2182 Lakeshore Dr, official correspondence should be sent to 2182 Lakeshore Dr, Muskegon, MI 49441-1414. Our operating hours are convenient: Monday through Friday from 8:30 am to 5:00 pm, and Saturday from 9:00 am to 12:00 noon (Drive-Thru Only). For any inquiries, feel free to reach out at 231-755-1202. As we look ahead, we remain committed to building strong partnerships within the community. Whether it's through educational workshops or local sponsorships, we believe in giving back and making a positive impact on Muskegon's future. Join us at Lakeshore Federal Credit Union and discover how we can help you achieve your financial goals while being part of a caring community. Experience the benefits of membership today! Visit us online at lakeshorefcu.com or stop by our branch we're here for you every step of the way!

Branch Location & Accessibility

Welcome to Lakeshore, your friendly local credit union located at 2182 Lakeshore Dr, Muskegon, MI 49441. Our branch is conveniently situated near beautiful Lake Michigan, making it easy for you to stop by after enjoying a day at the beach or visiting nearby landmarks like the Muskegon State Park. We are dedicated to providing our members with accessible and helpful financial services right in your neighborhood. Our branch is designed with convenience in mind. We offer ample parking and features that comply with ADA standards, ensuring that everyone can easily access our facilities. Whether you need to make a quick deposit or inquire about loan options, our staff is here to assist you during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 noon drive-thru service only on Saturdays. At Lakeshore, we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car, while our ATM availability ensures that you have access to cash whenever you need it. While members can visit us at 2182 Lakeshore Dr, official correspondence should be sent to the same address: 2182 Lakeshore Dr, Muskegon, MI 49441-1414. If you have any questions or need assistance, feel free to call us at 231-755-1202. We invite you to come by and see how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Lakeshore is like stepping into a warm, welcoming community where your financial needs are prioritized. If you live, work, or worship in the Muskegon area or have family members who do, you're likely eligible to join us! We believe that everyone deserves access to friendly and helpful banking services. Joining is easy just visit us at our branch located at 2182 Lakeshore Dr Muskegon Mi 49441, or give us a call at (231) 755-1202 for more information. You can also check out the eligibility criteria in detail at . Once you're ready to open an account, simply head over to this link: http://www.lakeshorefcu.com/borrow/loan-application , and you'll be on your way to enjoying all the benefits of being part of our family at Lakeshore. We can't wait to welcome you!

Business Banking & Commercial Services

Practical Merchant Services

Imagine being able to process payments seamlessly while keeping track of sales effortlessly. Our merchant services empower businesses by offering reliable payment processing solutions, ensuring you can focus more on what you do best running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Muskegon, MI. Visit us at 2182 Lakeshore Dr Muskegon Mi 49441 or call us at (231) 755-1202 to learn how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs.

Comprehensive List Of Services

Accessibility & Support

At Lakeshore, we believe in making banking accessible for everyone. With services like basic ATM access for withdrawals and balance checks, along with friendly assistance during lobby hours from 8:30 AM to 5:00 PM Monday through Friday (and 9:00 AM to 12:00 noon on Saturdays), our dedicated staff is always ready to support you. We invite you to explore all that Lakeshore has to offer by visiting us at 2182 Lakeshore Dr Muskegon Mi 49441 or giving us a call at (231) 755-1202. Experience the difference that personalized service can make in your financial life! For more information or to get started with any of our services, check out our website at Lakeshore Federal Credit Union.

Business Banking

For entrepreneurs and small business owners, Lakeshore offers comprehensive business banking solutions. From merchant services to business loans, we are committed to supporting local businesses in their growth journey. Our team understands the challenges of running a business and is ready to assist with tailored financial products.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can easily manage your accounts from anywhere check balances, pay bills, or transfer funds with just a few taps on your phone. Our ATM services allow for easy cash withdrawals whenever you need them, plus basic drive-thru banking options make quick transactions hassle-free.

Loans & Credit Options

Life can throw unexpected expenses your way, but our personal loans and debt consolidation services are here to lend a hand when you need it most. Plus, with our credit cards that come with rewards, you can earn while you spend perfect for those who enjoy benefits like cash back or travel perks.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts tailored for all lifestyles. Whether you're saving for a vacation or need a secure place for your day-to-day funds, we've got options that will work for you. If you're thinking about purchasing a new car, our auto loans and vehicle financing services can help get you on the road quickly and affordably. We also provide mortgage loans and refinancing options that make homeownership more accessible than ever.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our 24/7 online banking services allow you to check your balance, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, real-time account management is right at your fingertips. Plus, if you prefer using your smartphone, our mobile application provides all the features you need for banking on the move. Need to send money to friends or family? With our person-to-person transfers feature, sending cash has never been easier. Just a few taps on your phone, and the money is on its way! We also offer e-statements, which not only help you keep track of your finances but also reduce paper clutter. And while we currently do not support electronic signature authorization, rest assured that your data is safe with us. If you're looking to make purchases more convenient, take advantage of our mobile payments feature. It's a quick way to pay without having to dig for cash or cards. At Lakeshore, we prioritize your security and ease of use in every aspect of our digital banking services. Experience hassle-free banking today by visiting us online at https://www.lakeshorefcu.com/ !

Financial Strength

A Growing Community

Total Share Accounts stand at 5,019, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $70,142, further illustrating our commitment to supporting you every step of the way. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lakeshore is your trusted partner. Visit us at 2182 Lakeshore Dr Muskegon Mi 49441 or call (231) 755-1202 to learn more about how we can help you achieve your financial goals.

A Solid Foundation

With a net worth of $4,994,378, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,204 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $4,994,378 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $213 in used auto loans and $13,916,081 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Your savings are well-protected at Lakeshore. We have $10,610,289 in share certificates and $6,651,639 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members' needs. With non-member deposits currently at $0, we ensure our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 1 part-time employees ready to assist you with their knowledge and commitment.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,237,013 in used vehicle loans and $2,006,070 in new vehicle loans already helping members get on the road. We provide flexible financing options that fit your budget and lifestyle. Don't forget to ask about refinancing options if you're looking to lower your current auto loan payments!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $618,708, make buying or refinancing simple. We aim to guide you through every step of the mortgage process, ensuring you find the right solution for your housing needs.

Other Financing Options

In addition to our primary loan offerings, we also provide various other financial services tailored to meet our members' diverse needs. Whether it's for personal use or business purposes (though our commercial lending options are currently unavailable), we're here to support you on your financial journey. For more details about our loan products or to start an application, feel free to reach out at (231) 755-1202 or visit us at 2182 Lakeshore Dr Muskegon Mi 49441 in Muskegon, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Join us today and take the first step towards securing your financial future!

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $914,833 in loans helping members manage their finances effectively. Enjoy competitive rates and benefits that make it easier for you to keep track of your spending.

Loan Aggregator

Benefits of Using LendMesh

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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 that all offers are fair and transparent. By using verified financial institutions, LendMesh guarantees that the information you receive is accurate and trustworthy.

LAKESHORE FEDERAL CREDIT UNION - Muskegon, MI