Home of the

Best Checking Account in America

Bringing our MaxAdvantage to You

Lake Michigan CU has partnered with your organization to provide VIP service and exclusive offers just for you!

Voted by Gulf Shore Life Magazine as the Best of the Best for Best Banking Facility in Southwest Florida


The best place for your money!

Earns a full 3% APY** on balances up to $15,000! That’s nearly $450 per year direct to you. No monthly fees, no minimum balance, 55,000 free ATMs worldwide, plus free online banking & mobile app. Compare rates now.


We've got the card for you

Two cards cover it all – a low rate card for those who carry a balance, and a rewards card to earn up to 3% back on your purchases in cash or rewards!


Get healthier rates

The LMCU of Florida HSA has been named the #1 HSA in the Nation by Bankrate. Savers can earn up to 1% APY on deposits of at least $5,000, all without any monthly or annual fees!


Lower rates = lower monthly payments

We get it. Owning a new home is one of life’s most exciting milestones and one of the largest purchase decisions you’ll ever make. It’s about drawing on the power to dream and to make that dream a reality.


Exclusive Discount from Your Employer

For any home purchase, refinance or new construction build, we’ll knock an additional $150 off your closing costs. This is on top of our already competitive closing costs, this extra savings is a special, exclusive perk.

Best Checking Account in America!

Everything we do is based on doing right by our members. That includes offering the best checking account in America as rated by Money Magazine. Here's why:

Bank Account APY* Fee
Winner: Best Value!
Lake Michigan CU Max Checking 3.00% $0/mo
5/3 Preferred Checking 0.01% $25/mo
Chase Sapphire Checking 0.01% $25/mo
Comerica Premier Checking 0.01% $0/mo
Huntington Huntington25 0.06% $25/mo
Flagstar SimplyMax 0.03% $0/mo

*APY = Annual Percentage Yield. Rate subject to change after account opening. $5 membership required. No minimum balance required. Interest not paid on balances over $15,000. Fees may reduce earnings. Some requirements apply. Information as of 08/20/2020 and gathered via competitors websites based on zip code 49546. Dollar amount earn based and fee policy based on a $15,000 balance.

Proud To Serve Over 400,000 Members

As a credit union, our goal isn't to generate profits for shareholders. It's to improve the lives of our members. That's why Lake Michigan CU is rated #1 in the nation for Return to Member* - that means we give back more to our members in the form of higher rates when they save and lower rates when they borrow. Our goal has always been to do what is best for our members. This approach guides every decision we make and every service we offer. At LMCU of Florida, the emphasis on delivering real value to our members has been job one, since day one.

Serving Southwest Florida

LMCU Locations

We are very excited to offer the Lake Michigan CU experience not only in Michigan but Florida as well! With over 60 branches and mortgage offices, we're in the right place to offer you our incredible financial services whenever and wherever you may need us.

  • Bonita Springs
  • Bonita Beach Road
  • Immokalee Road
  • Cape Coral
  • Collier Boulevard
  • Gulf Coast
  • Naples Main Branch
  • North Naples Branch
  • Fort Myers 
  • Port Charlotte 
  • Sun City Center

Lake Michigan CU provides a full-range of financial services and product options, from high interest-bearing checking accounts to personal loans, mortgages, investments and commercial banking. Contact us today earn more interest, more returns, and more rewards with Lake Michigan CU.

If you are ready to get started now, simply fill out the form below, or call us at (844) 301-8898 to speak with our concierge desk.

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