Advantage 50 Checking

Checking with a few more perks. You’ve earned it.

No fees.1  No minimums. Up to 0.25% earned interest.2  Plus two free boxes of checks a year. For LMCU members 50 and over.

Open an Account Schedule an Appointment
Two adults standing together in front of a suburban home with an open garage. The pair stands close side by side in the driveway, with the house exterior and garage interior softly blurred in the background.
Earn as much as
0.25
%
APY
Open an Account

Advantage 50 Checking at-a-Glance

Live long enough, and you get a pretty good sense of what you want from a bank. Advantage 50 Checking is built around exactly that: 

  • Earned interest on your balance — no minimum required 
  • Two free boxes of standard checks per year 
  • Free Visa debit card 
  • No monthly maintenance fee 
  • No minimum to open or earn interest 
  • No transaction limits 
  • Free online bill pay 
  • Access via debit card, ATM, mobile app,3 online, or by phone
Open an Account Schedule an Appointment

FAQs

Any LMCU member 50 and over can open an Advantage 50 Checking Account. 

Advantage 50 Checking Accounts are free with benefits like free checks, a free VISA debit card, no transaction limits, and free bill pay.

There is no fee to open the account, no monthly maintenance fee, and no minimum balance.

There are no transaction limits.

No, Advantage 50 Checking Accounts are only available for individuals.

Why LMCU?

Sometimes our members say it best.

Family of five people seated together on chairs in a living room, with a kitchen, refrigerator, and fireplace visible behind them.

“We've been with Lake Michigan Credit Union for over 10 years.”4 

The Garcia Family, LMCU Members 

“Branches are all over the place, they're easy to access, and it's easy to transfer money back and forth to one another when we go out.”4

Doug B., LMCU Member
Newsweek logo

  One of America's Best Regional Banks & Credit Unions for 2026.

Newsweek, January 2026
Disclosures

Overdraft/returned item fees may apply.

Rates may change after account opening. This APY is accurate as of 9/10/2026. Fees may reduce earnings. No minimum balance required.

Third party internet/mobile/data fees may apply.

All featured LMCU members were compensated for their time.