Earn more and pay less with LMCU

Checking & Savings

Opportunity to earn nearly $450 every year with 3.00% APY^*** Max Checking
High-yield Max Money Market savings account
55,000+ surcharge-free ATMs worldwide

Credit Cards

Max Rewards Visa with up to 3% cash back^****
Prime Platinum Visa, featuring one of the lowest rates in the country
24/7 zero-liability fraud protection

Mortgages

MaxAdvantage Exclusive: $150 off your closing costs
Down payment options as low as 0-3%^†
Specialty programs for healthcare providers, first-time homebuyers, and more

Health Savings Accounts (HSAs)

Save for qualifying medical expenses using tax-exempt funds
Grow your funds with some of the top HSA rates in the nation
Pay zero opening, monthly maintenance, or minimum balance fees

Get started with an HSA today

Insurance

Let us shop the top insurance providers for you, getting you the right coverage at the best price
Insure your home, auto, business, and more
Receive unbiased insurance advice from experienced professionals

Financial Wellness Resources

Gain financial confidence and achieve your goals with the LMCU Financial Wellness Center. From creating a budget to calculating your monthly mortgage payment, our free tools and resources will help you take the next step in your financial journey.

Learn at your own pace with over a dozen courses designed to suit your schedule
Create a budget, track your progress each month, and set financial goals
Measure your financial health, assess your risk of identity theft, project retirement savings, and more

Explore Financial Wellness

Serving 600,000+ Michigan and Florida members

With over 70 branches across Michigan, Southwest Florida, and the Tampa Bay area, Lake Michigan Credit Union is the largest credit union in Michigan and one of the largest in the country. We are proud to offer exceptional banking, mortgage, and lending solutions that make it easier to achieve your financial goals.

Questions? Contact us at (844) 301-8898 or MaxAdvantage@LMCU.org.

Liliane, Pierre, Sandra, and Brune are LMCU members and were compensated for their time. *See Official Debt Reduction Sweepstakes Rules here. **Return of the Member for credit unions above $10 billion in assets. Callahan & Associates, June 2024. ***APY = Annual Percentage Yield. Rate as of 10/23/2024 and subject to change after account opening. 3.00% APY is earned on balances $15,000 and below, some requirements apply. Interest not paid on balances over $15,000. Nearly $450 is earned at 3.00% APY on balances of $15,000. Fees may reduce earnings. $5 membership required if not a member. ****Percentage cash back based on per dollar spent. 3% on gas capped at $500 per month and then 1% after maximum is reached. 2% on groceries is unlimited; 2% on dining is unlimited (Max Rewards Visa Signature card only); 1% on everything else is unlimited. †For well-qualified borrowers. The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible. Please consult your tax advisor.

Insurance: Lake Michigan Insurance Agency is owned by Lake Michigan Credit Union. The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described.

Contact Us

You'll love banking here.