Home of one of the
Best High-Yield Checking Accounts
in the nation

—MagnifyMoney by Lending Tree, May 2021

Bringing our MaxAdvantage to You

Lake Michigan Credit Union has partnered with your organization to provide VIP service and exclusive offers just for you!
Get started by filling out the form below or call us at (844) 301-8898.

You'll love banking here.

We didn't become number one by trying to become number one. Doing what's best for our members drives everything we do. And as it turns out, a lot of people really like earning more when they save and paying less when they borrow.

LMCU is fundamentally different from a bank. As a member-owned credit union, we don’t have shareholders to impress. We have a mission: to do what’s best for you. That includes lower interest rates when you borrow, higher interest rates when you save, and the kind of friendly service you’d expect from family.

Named one of the best credit unions in Michigan in 2021.*

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.

  • Earn 3.00% APY** with MaxChecking — one of the best high-yield checking accounts in the nation***
  • 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
  • As little as 0-3% down payment Ɨ
  • As an exclusive perk with your employer’s partnership, we’ll take an additional $150 off your mortgage closing costs

Health Savings Account

With one of the highest tiered interest rate yields in the country, LMCU's HSA is free to establish and has no monthly, maintenance or transaction fees and no minimum balance required.

Open an Account



At Lake Michigan Insurance Agency, we’re committed to looking out for you and your family.  Our experts will put their 20+ years of experience to work for you – to make sure you get the highest quality coverage at the lowest possible rate.  We partner with the top providers in the country so that you don’t have a worry in the world.

Financial Education

Make sense out of your dollars with LMCU’s Wallet Wisdom program. Our free financial library is full of interactive learning tools that help translate financial jargon into plain English. Our valuable tools and resources will help you gain financial confidence and make informed financial decisions. All in one place. All for free.

  • Discover how to manage your budget
  • Learn how to use your home’s equity to payoff high-interest debts like credit cards or student loans
  • Learn the difference between adjustable rate mortgages versus fixed rate mortgage
  • Make sense out of planning for retirement or saving for your kid’s college
  • And much more!

Explore Our Library


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

If you are ready to get started now, simply fill out the form or call us at 844-301-8898.

*Forbes, June 2021.
**APY = Annual Percentage Yield. Rate as of 01/03/22 and subject to change after account opening. No minimum balance required. Interest not paid on balances over $15,000. Fees may reduce earnings. Some requirements apply. $5 membership required, if not a member.

***MagnifyMoney by Lending Tree, May 2021.
****3% cash back on gas purchases up to $500 per month, 2% cash back on all grocery purchases (unlimited), 2% cash back on restaurants (Max Rewards Signature Visa card only, unlimited), and 1% cash back on all other purchases.
Ɨ For well-qualified borrowers.

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.