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Begin your secure Lake Michigan Credit Union and step into Michigan's premier member-owned financial institution. Originating in 1933 to serve educators in Grand Rapids and now Michigan's largest credit union with over 500,000 members spanning Michigan and Florida, LMCU empowers you with high-yield savings accounts and certificates that accelerate wealth building, favorably low rates on vehicle, mortgage, and personal financing, genuinely free checking enriched with cash-back rewards, a top-tier mobile platform for remote deposits and instant Zelle payments, seamless automated bill pay, surcharge-free access to thousands of ATMs nationwide via the CO-OP network, and the dedicated, member-centric service that truly helps you maximize every dollar earned.
From humble beginnings in 1933 serving Grand Rapids teachers during challenging times, Lake Michigan Credit Union has grown into Michigan's largest credit union while preserving its core mission of member empowerment. Headquartered in Grand Rapids with an extensive network across Michigan and expanding into Florida, LMCU blends nearly a century of stability with forward-thinking digital solutions to deliver banking that resonates with Great Lakes lifestyles – offering superior dividends, reduced loan rates, minimal fees, intuitive technology, and authentic relationships that help members navigate financial journeys with confidence and achieve greater prosperity.
Your single Lake Michigan Credit Union opens a comprehensive ecosystem built for member success in Michigan and beyond.
We've crafted an effortless onboarding process that gets you banking faster while maintaining top security standards.
LMCU employs sophisticated security measures so members bank with complete confidence.
LMCU remains dedicated to evolving services while staying true to member advantage principles.
Authentic voices from satisfied members across Michigan and Florida.
“Finally found banking that actually maximizes my money – Lake Michigan Credit Union delivers real value!” – Member, Lansing
“Outstanding mobile experience and unbeatable loan rates through my Lake Michigan Credit Union.” – Member, Detroit area
“Personalized help and strong savings growth after my Lake Michigan Credit Union.” – Member, Orlando
LMCU's not-for-profit model means more benefits flow directly to members.
How everyday members are reaching milestones with LMCU support.
Intuitive tools that put you in complete control of your finances.
Curated tools and education specifically for Michigan members.
Link banking with everyday financial tools.
Partnerships that amplify member benefits across Michigan and Florida.
Join a dynamic organization serving Michigan and Florida members.
Expert-led education tailored to Michigan financial realities.
Expert Michigan support team standing by whenever needed.
LMCU proudly invests in the regions we call home.
Celebrated for leadership in Michigan community banking.
Federally chartered with member interests first.
Repeated honors reflecting commitment to members.
Expert help is just a message or call away.
Email: [email protected]
Phone: 800-242-9790
Comprehensive solutions for Michigan enterprises.
Simple steps to keep your accounts protected.
Complete financial control wherever life takes you in Michigan.
Part of something bigger than banking.
Make your money work harder in Michigan's economy.
Financing designed for real Michigan needs.
Empowering Michigan entrepreneurs and companies.
Comprehensive support for every financial milestone.
More than 500,000 members across Michigan and Florida already enjoy the genuine benefits of belonging to LMCU – exceptional rates, cutting-edge digital banking, extensive nationwide access, and unwavering personal support. Your secure Lake Michigan Credit Union is the gateway to banking that truly puts members first.