Lloyd F. Hutt Scholarship

About the Lloyd F. Hutt Scholarship

Established in 1990, this scholarship program honors the legacy of Lloyd F. Hutt – teacher and founder of LMCU. Each year, we establish a prompt for high school seniors to write about in the form of an essay and award twenty (20) $2,000 scholarships. We are proud to have provided over $500,000 in scholarships to 292 deserving students over the years.

Winning Essays

The Hutt Scholarship entry period is currently closed. Please check back in November and follow us on social media for updates.


Click on the tabs above for further details, or email [email protected] (subject: 2021 Hutt Scholarship).

School resources

Schools in LMCU’s local communities receive a packet of information and resources to inform their students of the Lloyd F. Hutt scholarship program and to help them apply. If your school did not receive a packet and you would like more information for your students, please download the scholarship resources here, and view the social media video here.

If you would like to receive a school packet in the future, please email [email protected]

Who is eligible?

All applicants must be a resident of Michigan or Florida, or a member of Lake Michigan Credit Union (LMCU), or the child of an LMCU member (i.e. a student in Texas must be a member or child of a member to be eligible). The Lloyd F. Hutt Scholarship is not open to LMCU employees, directors, and officers or their immediate families, or to employees or immediate family of any of LMCU’s affiliated companies, licensees, advertising, or promotional agencies. Immediate family includes the following: spouse, child, father, mother, brother, sister, grandparent, step parents, step children, mother-in-law, father-in-law, brother-in-law, sister-in-law, grandchildren, and grandparents-in-law.

All applicants must be high school seniors, including home school students, and plan to enter a trade school, college, or university in the next academic year. Recipients must submit evidence of acceptance and enrollment in an accredited trade school, college, or university before payment will be made.


Note that if the official format guidelines are not followed, it could lead to ineligibility.

  • Length: 750-1500 words
  • Essay must be typed
  • Essay must be double spaced
  • Do not include your name or school name in the essay. Include only the initials of your first, middle, last name on the top right corner of each page of the essay
  • Essay must have a title
  • Essay must be saved as Adobe Acrobat PDF (.pdf)

How are winners selected?

Winners of the Lloyd F. Hutt Scholarship Award will be selected by an independent committee appointed by the Board of Directors of Lake Michigan Credit Union. The judges of this contest are persons who are area professionals.

All essays are submitted to the judges with no identifying marks or symbols so the name of the applicant and the school they attend are not visible.

The scholarship committee’s principal determining factor in selecting award recipients is the applicant’s passion for the topic. Additionally, the committee will use the following criteria in judging responses to the topic: comprehension of subject, organization, language use, originality, clarity, spelling, and grammar. Scholarship recipients will be selected without regard to their race, religion, or gender identity.

Technical questions and issues

Please contact Kaleidoscope for any technical issues with the scholarship application. Contact information can be found at the “Need Help?” or “Contact Us” button on the LMCU Hutt Scholarship application page. It can also be found here. Please note, LMCU staff are unable to make any edits to the student’s application.

Updating or making changes to your application

If you have not officially submitted your application yet, you are still able to make edits to your application by logging in to Kaleidoscope. If you need assistance, please contact Kaleidoscope directly. Contact information can be found at the “Need Help?” or “Contact Us” button on the LMCU Hutt Scholarship application. It can also be found here. Please note, LMCU staff are unable to make any edits to the student’s application. Once the application has been submitted and once the application deadline has passed, we are unable to make any edits to your scholarship application.

Confirming submission of your application

You can review and track the status of your application in Kaleidoscope using your login and password.

The amount of the award will be paid to the recipient and educational institution in which the student is enrolled. The award is intended to provide financial assistance to the recipient in their pursuit of an undergraduate degree at an accredited trade school, college, or university. The money is to be used for the student’s tuition, fees, books, supplies, and equipment. The awards are intended to constitute qualified scholarships, exempt from federal income tax under Section 117 of the Internal Revenue Code of 1986, as amended. Use of the amount for purposes other than those previously noted may jeopardize exempt status. If a tax liability arises, it will be the sole responsibility of the recipient.

Lake Michigan Credit Union shall maintain records and administer and provide all necessary staffing for the Lloyd F. Hutt Scholarship Program (except for the scholarship committee). Lake Michigan Credit Union will provide the Board of Directors with a written report, detailing all awards.

Modification or elimination of program
Lake Michigan Credit Union reserves the right to modify or eliminate the Lloyd F. Hutt Scholarship Program at any time without notice. Not withstanding the foregoing, any award due and payable under the program prior to such modification or elimination shall continue to be payable according to the program’s terms in effect at the time Lake Michigan Credit Union made the grant. All entries shall become the property of Lake Michigan Credit Union.