Hurricane Ian Resource Center

We're here to help.

Hurricane Ian’s impact on the lives of many of our members is ongoing. While we may wish to return to business as usual in Florida, there is nothing usual about our present circumstances. LMCU is taking measures to ensure each and every member has the financial support necessary in the aftermath of this unprecedented event.

The health and well-being of our members and the LMCU team remain our highest priority. All of our Florida branches have reopened. You can find branch details on the Florida locations page.

  • Branch Service Information

    All LMCU branches in Florida have reopened. You can find branch information on the Florida locations page. Our team is ready to serve you at any of our branches, and we are always there for our members via our mobile app, here at LMCU.org, and across our network of more than 55,000 ATMs. You can also schedule an in-person or virtual appointment at Scheduling.LMCU.org.

    • Our branches are open and ready to serve you. Find a location.
    • Our call center is open Monday - Friday 8:00 a.m. to 9:00 p.m. ET and Saturday from 9:00 a.m. to 1:00 p.m. ET. Please call (800) 242-9790.
    • LMCU’s Online Banking lets you bank anywhere, anytime 24/7. Sign up or log in via the Online Banking button at the top of the site.
    • LMCU’s mobile app lets you do almost anything you can do in a branch, including deposit checks. Download the app free from Google Play or the App Store.
    • Our members have access to LMCU ATMs across Michigan and Florida and 55,000 Allpoint ATMs in places like Target, Walgreens and CVS. Find your nearest ATM.
    • You can also schedule an in-person or virtual appointment at Scheduling.LMCU.org.

    Because we’re a member of the NCUA, deposits of up to $250,000 are insured by the federal government. So your money will be here waiting for you whenever you need it.

  • Mortgage

    Mortgage assistance. If you are experiencing financial hardship due to Hurricane Ian and are in need of mortgage assistance, we are here to help you determine what options may be available to you. To speak to one of our Mortgage Loan Counselors, please contact us at (844) 754-6280 ext. 9931. Our team can be reached Monday - Thursday 9:00 a.m. – 5:30 p.m. ET, Friday 9:00 a.m. – 6:00 p.m. ET, and Saturday 9:00 a.m. – 1:00 p.m. ET.

    Hazard loss claim. If your home has sustained damage, contact your insurance agent immediately to file a claim.

    After your claim has been filed, please contact our Construction Administration Team at (844) 754-6280 ext. 6492 with your claim information so we can help you determine next steps.

    Claims over $40,000.00 will be administered by LMCU.

    Upon review of the Claim Report, any claim funds received for contents, personal property, or living expenses will be released to you without delay.

    Loan currently in process. If you currently have a new mortgage in process and have questions about how Hurricane Ian may affect the processing of your loan or the timing of your closing, your loan officer will be able to assist in answering these questions.

    The following counties have been declared disaster areas by FEMA:

    • Brevard
    • Charlotte
    • Collier
    • DeSoto
    • Flagler
    • Glades
    • Hardee
    • Hendry
    • Highlands
    • Hillsborough
    • Lake
    • Lee
    • Manatee
    • Monroe
    • Okeechobee
    • Orange
    • Osceola
    • Palm Beach
    • Pasco
    • Pinellas
    • Polk
    • Putnam
    • Sarasota
    • Seminole
    • St. Johns
    • Volusia

    What if my property is located in one of these counties? If you had an appraisal completed prior to 9/30/2022, we will need to order a Catastrophic Disaster Area Property Inspection Report to verify that the home/condo/project did not suffer interior or exterior damage due to Hurricane Ian, prior to being able to close. This also holds true for a construction or vacant land loan; while a house may not yet be there, we want to ensure that the buildability of the land has not been impacted. Applications with an appraisal waiver will also need to have a Catastrophic Disaster Area Property Inspection Report completed prior to close.

    What are the additional costs of this inspection? LMCU is presently covering the cost(s) of these required inspections.

    What if my rate lock is coming due and we cannot close in time? LMCU is covering the cost(s) of rate extensions for a period of 15 additional days at no cost to our members for properties in the declared disaster areas. We will work with you on an individual case by case basis should additional extensions be necessary.

    Are there any additional documentation requirements? Not at this time. Credit, income and asset verification requirements have not changed for those located in impacted areas.

    Construction loans currently in process. If your project has sustained damage, contact your builder and insurance agent immediately to file a claim.

    For additional information please contact your draw specialist or the Construction Administration Team at (844) 754-6280 ext. 6492 to discuss extending the construction term, payment relief options as well as the insurance claim process.

    • Natural Disaster Relief Plan

      If Hurricane Ian has affected your ability to pay your mortgage, we're here to help. We've compiled a list of common questions and answers about the Natural Disaster Relief Plan.

      I’m unable to pay my mortgage due to a Natural Disaster, can LMCU help? Yes. As a mortgage servicer, we’re continuing to follow the investor guidelines, and we’ll work with you one-on-one to find a solution.

      What help is available? If you qualify, you would be eligible to participate with protection via a Natural Disaster Relief Plan. This would allow you put mortgage payments on pause for a period of 3 months at a time. At the end of this period, all payments will need to be repaid. However, you may have options if you can’t repay it all at once.

      How do I apply for the Natural Disaster Relief Plan? Contact our team at (800) 242-9790, ext. 9931 and we’ll work with you one-on-one to find the best solution. Our hours are Monday - Thursday 9:00 a.m. – 5:30 p.m., Friday 9:00 a.m. – 6:00 p.m., and Saturday 9:00 a.m. – 1:00 p.m.

      Will additional interest and/or late fees be charged on my loan during the Natural Disaster Relief Plan period? No, for the forbearance period granted, all late fees are waived, and no additional interest is charged.

      Will my credit be affected by going on the Natural Disaster Relief Plan? We will continue to report the status of your mortgage as well as entry into a forbearance plan in accordance with applicable law.

      If I can’t pay the full amount of my missed payments at the end of the Natural Disaster Relief Plan period, what are my options? You may have a few options, including:

      • Enter a repayment plan. Over a set number of months (usually two to six), an extra amount will be added to your regular mortgage payment to cover the amount owed from the National Disaster Relief Plan period
      • Modify your loan. If you qualify, your loan’s terms (which could include interest rate and term length) may be adjusted to provide an affordable payment and cover the amount owed. This may include an extension at the end of the loan, giving you additional months to pay.

      Will the Natural Disaster Relief Plan affect my mortgage insurance? Yes. If you have private mortgage insurance (PMI) or FHA mortgage insurance premium (MIP), a National Disaster Relief Plan plan may extend the number of months you must pay on time in order to cancel your PMI or MIP.

      If I was delinquent on my mortgage prior to the natural disaster, can I still qualify for the Natural Disaster Relief Plan? No. Your mortgage would have to be no more than 30 days past due at the time of the disaster to be eligible.

      Will I continue to receive a billing statement while on the Natural Disaster Relief Plan? Yes. We are legally required to send you a billing statement showing the amount due every 30 days.

      If I decide later on that I don’t want the Natural Disaster Relief Plan, can I cancel it? Yes. You have the option to cancel the Natural Disaster Relief Plan plan at any time. Just remember that all missed payments during the plan period will be due when the plan ends or cancellation date – whichever date is earliest.

      What if my financial situation changes during my Natural Disaster Relief Plan? Contact our team at (800) 242-9790, ext. 9331 to immediately reassess your circumstances and discuss alternatives. Our hours are Monday - Thursday 9:00 a.m. – 5:30 p.m. ET, Friday 9:00 a.m. – 6:00 p.m. ET, and Saturday 9:00 a.m. – 1:00 p.m. ET.

    • Other Steps You Can Take Now

      Consider applying for aid through FEMA. For those affected by Hurricane Ian, FEMA may be able to support your recovery. For more information about FEMA’s disaster assistance and support services, visit fema.gov/assistance.

      Sign up for eStatements eStatements are a convenient way to see all of your mortgage statements in one place, but it is also a valuable service to ensure you continue to receive your monthly statements should postal service become unavailable at your property. Signing up is easy. Simply log into your Online Banking account at LMCU.org, click your mortgage loan, and then navigate to Account Management. Select Document Center and under Delivery Preferences, choose paperless statements and click “Let’s do this!”

      Payment methods. Be prepared during a disaster by making payment arrangements. In addition to sending a check or making a payment by phone, we have convenient payment options available right on our website. To set up automatic payments or make a one-time payment, simply log into your Online Banking account at LMCU.org, click your mortgage loan, and navigate to the Payments menu.

  • Business Members

    Low-interest disaster loans from the U.S. Small Business Administration (“SBA”) may be available to business and residents in Florida following the President’s announcement and disaster declaration: sba.gov/funding-programs/disaster-assistance.

    Current business members impacted by Hurricane Ian should contact their LMCU relationship manager to review their needs and work with our team to identify potential solutions.

  • Fraud and Security

    Protect your money and your sensitive information.

    Phishing and other scams continue to increase and even during times like these, when everyone is pulling together, there are bad actors out there who are looking to take advantage. Some examples are noted below:

    • Charity scams: Scammers solicit donations for individuals, groups, and areas affected by Hurricane Ian. Please visit the Better Business Bureau (“BBB”) to confirm an organization’s status or to report suspected fraud.
    • Phishing scams: Scammers pose as national and global aid organizations and send phishing emails designed to trick recipients into downloading malware or providing personal identifying and financial information.
    • Contractor scams: Construction companies or contractors may be requiring cash up front. Take steps to confirm the company’s legitimacy (especially those out-of-state) or contact the BBB to protect your money.

    To report fraud related to Hurricane Ian and its aftermath, please contact the Florida Department of Agriculture.

    As an important reminder, LMCU takes every available precaution to protect your money and secure your personal information. One of our top priorities is to protect our members, which includes preparing you to protect yourself.

    Four tips for keeping your money safe.

    1. Never click on email links that look like they connect you directly to Online Banking. Always visit LMCU.org from your browser and access Online Banking through our homepage. Or, you can use your mobile device to access our secure mobile banking app.
    2. LMCU will never call, email, or text you to verify your Online Banking username, password, PIN number, multi-factor authentication codes, or routing information. If you are contacted by phone, email, or via text, and are asked for this information or asked to sign into your LMCU account, please do not share any information and contact us directly at (800) 242-9790 or at [email protected]
    3. Sign up for text alerts in Online Banking, and get notified every time a transaction occurs. To sign up, log into your Online Banking account at LMCU.org, select Services, then click eAlert Settings.
    4. Use a strong password that is unique for LMCU Online Banking and includes a combination of numbers, letters, uppercase and lowercase, and special characters. We recommend 14 characters or more. As an alternative for even greater security, turn on the mobile authenticator to send a unique passcode to your mobile app which takes the place of your regular Online Banking password during login. To set it up, log into your Online Banking account at LMCU.org, select Services, then under Account Services, select Mobile Authenticator.
  • LMCU in the Community

    Besides our ongoing financial support to our many non-profit partners Florida, LMCU is finding ways to support the immediate needs in our communities impacted by Hurricane Ian.

    Currently, LMCU is involved in a campaign to raise support dollars from our members, offering a $20,000 matching donation. The campaign can be found here.

    We are working closely with several other local charitable partners and will provide updates as those plans and programs come together.

  • Additional Resources

    For more information about FEMA’s disaster assistance and support services, visit fema.gov/assistance.

    Low-interest disaster loans from the U.S. Small Business Administration (“SBA”) may be available to business and residents in Florida following the President’s announcement and disaster declaration: sba.gov/funding-programs/disaster-assistance.

    Where you can lend financial support:

    Collaboratory: SWFL Emergency Relief Fund, in partnership with United Way of Lee, Hendry, and Glades Counties; funds will support SWFL nonprofits helping people affected by Hurricane Ian.

    Collier Community Foundation: Collier Comes Together Hurricane Relief Fund; donations are distributed to nonprofits serving victims and their families.

    Charlotte Community Foundation: Charlotte County Disaster Relief Fund; funds will be used to provide financial assistance and resources to Charlotte County residents impacted by Hurricane Ian.

    The Florida Disaster Relief Fund is the State of Florida’s official private fund established to assist Florida’s communities as they respond to and recover during times of emergency or disaster. In partnership with the public sector, private sector and other non-governmental organizations, the Florida Disaster Fund supports response and recovery activities.

    Where you can volunteer your time and talents:

    Volunteer Florida

    If you’re struggling to pay your bills, other businesses may be able to help. Check online with specific companies or service providers you use, such as cell phone carriers or utility companies, to see what options may be available to assist, because every business is different.