Lake Michigan Credit Union, You'll Love Banking Here

You'll love banking here.
LMCU has partnered with your organization to bring you exclusive benefits.


Proudly serving members throughout Michigan and Florida.


We’re all in this together.

LMCU has been helping members achieve their financial goals for over 90 years. Despite being one of the nation's largest credit unions, our top priority remains doing what is best for our members and the communities we serve. This is why we partner with companies and organizations like yours to provide banking, mortgage services, financial education, and other benefits, all delivered with personalized VIP service.


Named one of the top credit unions in the nation by S&P Global (2023)

Member Stories Pierre & Lilian Mitombos
“We went with LMCU because our loan officer took the time to listen and really connect with us.”
— Lilian & Pierre, LMCU members
“We earn nearly $450 extra a year with Max Checking. When you add it up, it’s put thousands in our pockets.”
— Sandra & Brune, LMCU members

Financial Education

Make sense out of your dollars with LMCU’s Wallet Wisdom program. Our free tools and resources will help you gain financial confidence and make informed decisions.

  • Get tips on how to manage your budget
  • Discover how your home’s equity can help pay off high-interest debt
  • Learn about the different types of mortgages
  • And much more!

Explore Our Library


Personal Banking

Make your money do more when you bank with LMCU. Our award winning products are just one of the reasons our members love banking here.

  • 3.00 APY* Max Checking, the nations #1 high-yield checking account –, 2023
  • Two credit cards to cover it all: Get one of the lowest rates in the country with our Prime Platinum Visa or earn up to 3%** cash back with our MaxRewards Visa.
  • Bank your way with 24/7 mobile banking*** and branches across Michigan and Florida.



Whether you're purchasing, building, or refinancing, we have the loan that's right for you. We offer lower fees, lower rates, and lower closing costs.

  • Special loan programs for first-time home buyers, healthcare providers, doctors, educators, military, first responders, and more.
  • Down payments as little as 0-3% down****
  • As an exclusive perk with your employer’s partnership, we’ll take an additional $150 off your mortgage closing costs


Health Savings Account

Save more while preparing for medical expenses. With one of the highest tiered interest rate yields in the country, LMCU’s HSA is free to establish, has no monthly maintenance or transaction fees, and no minimum balance requirement. Learn More




Our experts will work for you to shop our 10+ insurance carriers, making sure  you get the highest quality coverage at the lowest rate possible.

Note: Personal Insurance available only to Michigan residents.

Contact Us

To learn more about what LMCU can do for you, contact us today at (844) 301-8898 or

Liliane, Pierre, Sandra, and Brune are LMCU members and were compensated for their time.
*APY = Annual Percentage Yield. Rate as of 11/28/23 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. 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 restaurants is unlimited (Max Rewards Visa Signature card only); 1% on everything else is unlimited.
***Standard data rates may apply.
****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.