Lake Michigan Credit Union @

The Lake Michigan Credit Union started in 1933. It is situated in Grand Rapids, Michigan, US.

As of 2018, it has a total number in assets of 435crores USD. Their goal is not to generate profits for shareholders but to improve the lives of their members.

As of 2019 the credit union has 53 locations. It is one of the largest credit unions in the country as well as Michigan’s leading mortgage provider.

From starting the credit union’s emphasis on delivering real value to our members has been jobbed. The Lake Michigan Credit Union says “Earn More. Pay less.”

The Lake Michigan Credit Union provides services in the following areas:

  • Personal loans, Home Equity loans, Auto and RV loans, and Student loan
  • Mortgages and Credit Cards
  • Savings Account and Checking


Lake Michigan Credit Union Rates

The Lake Michigan Credit Union Rates for the services provided by them are described here:

  • Home Equity Loan Rates

Credit Card Rates

Loan Rates

Mortgage Rates

Share Rates

The Balance sheet of Lake Michigan Credit Union

The below given image contain information regarding different attributes of the Lake Michigan Credit Union finance like the total assets, total liabilities, total interest income, total loans, total non-interest income, total expense, and total non-interest expense. The image of the balance sheet is about 24-07-2020.

How to Become a Member of Lake Michigan Credit Union

The criteria to become a member of Lake Michigan Credit Union are mentioned below:

  • You must be living in Michigan’s Lower Peninsula or anywhere in Florida
  • You must worship or working in these areas
  • An immediate family member of the current working member
  • If you don’t have any member family working, then you need to deposit $5 to ALS (Amyotrophic Lateral Sclerosis)

If you satisfy the above mentioned requirements then you can open an account in the LMCU. The requirements for opening an account are listed below:

  • Government issued Driver’s License
  • Social Security Number
  • At least $5 to deposit in the new account
  • And your account will be opened

Lake Michigan Credit Union Online Banking

Once you did the process of opening an account, you can then register yourself for online banking. As a new user, you need to sign up first.

The steps to sign up procedure are as given below:

  • Visit the official website of Lake Michigan Credit Union,

  • On the home page you will get an option of Online Banking
  • Click on that option
  • And then click on Sign up
  • On your screen a page will open where you need to select your account type
  • You can directly visit the sign up link also,

  • Select the type of account you need to open
  • As you select the type of account you want, then a Disclosure page will open
  • Reading all the terms tick the box to agree
  • And press Continue
  • Then a registration form will appear
  • In that form, enter your First name, Last name, Social Security Number, Home phone number, and Account number
  • And click on Submit
  • Once you complete the process for the sign up
  • Then your account for the online banking will be activated

Lake Michigan Credit Union Login

As you complete the SignUp process, then you can login your account with your credentials.

  • Visit the site,

  • On the home page go to the Online Banking Login option
  • Click on it
  • Enter your username
  • Click on Login option

Lake Michigan Credit Union App

Lake Michigan provides a lot more option for mobile banking:

  • By using the Lake Michigan credit Union App
  • By text messaging
  • By phone call

For using the Lake Michigan Credit Union App you need to download the app either from Google play store or App store.

  • Download the app from the given links,

  • As the app get installed, you can Login using your username and password
  • Enter your username and password, and Login

The benefits of using the Lake Michigan Credit Union App are as follows:

  • You can check your account balance whenever you want by using Quick View
  • Deposit checks just by clicking an image of the check
  • You can easily transfer funds to your accounts
  • Set a reminder of the travel notices for your cards
  • Pay the bill using Bill Pay

To use Phone Banking, you can access it by calling on 6169423360 or Toll Free at 8007963360. The requirements for using this facility are a touch tone phone and tone settings.

To access the phone banking, follow the steps listed below:

  • Call on the Phone Banking Number
  • Then you need to enter your account number followed by the # sign
  • Then enter the 4-digit Phone Banking access code followed by the # sign (chosen by you when first time you set the phone banking account)
  • Enter the last 4 digits of the Social Security Code followed by the # sign
  • If you are a new user or forgot the phone banking access code, then call on (616 or 800) 2429790

How to change the phone banking access code?

  • You must be registered for phone banking
  • Dial your base account number
  • And when you go to the Main menu, press 6 for Additional options
  • Then you will hear different options from that prompt to the change your Access Code

You can access text banking also it is simple and cost free. You just need to text a command to 6162025803. And the credit union will respond to you. Steps to sign up for text banking are as follows:

  • Login to your Online Banking
  • Click on Other Services
  • Under Account Services choose Text Banking
  • And follow the prompts to activate your phone number

Lake Michigan Credit Union Routing Number

The Lake Michigan Credit Union routing number is 272480678.

For the ACH (Electronic transactions), you will need this 9-digit routing number. This routing number is the unique identification number given to each credit union. The number is present at the bottom of the check beside the account number.

Lake Michigan Credit Union Locations


Grand Rapids

5550 Cascade Road SE

Grand Rapids, MI 49546

(616) 3649650


5856 Venture Park Dr

Kalamazoo, MI 49009

(269) 3727171

Norton Shores

950 W. Norton Avenue Suite G

Muskegon, MI 49441

(231) 7227281

Traverse City

804 S. Garfield Ave Suite B

Traverse City, MI 49686

(231) 9351799

Walled Lake

347 N Pontiac TrI

Walled Lake, MI 48390

(248) 5925508

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