Lake Michigan Credit Union

The best place for your money, dreams, and community.

Our members are our neighbors. At LMCU, you’ll find banking products & services that help you earn more & pay less, plus a passion for helping our whole neighborhood live better.

Become a Member Learn More About Us

What's your goal?

Earn more Grow your business Buy a house

Our rates

As a credit union, we work for our members, not any shareholders. That’s why, whether you’re saving or borrowing, our rates beat the big banks.

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Max Checking

Earn as much as

4.00

APY

Open an Account Learn more

Mortgages

First home, bigger home, or vacation home: LMCU has a mortgage that'll get you there.

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Auto loans

Rates as low as

5.74

APR

Apply for a loan Learn more

CDs

9 month CD VIP Bonus

3.90

APY

Schedule an Appointment Learn more

Disclosures

Rates as of 9/11/2026 and subject to change. Minimum balance to open a CD is $500. A penalty may be charged for earlier withdrawal of a fixed term certificate or IRA. Fees may reduce earnings. $5 membership required. CD rates include .25% MORE VIP Relationship Reward Bonus.

You’ll love banking, growing, and thriving here.

Buy a car. Own a home. Raise a money-smart family in a happier, healthier community. Beyond banking, we invest our time and money in housing, healthcare, education, and economic inclusion.

Our Values About Us