Lake Michigan Credit Union strive to do what’s right for their members and this commitment drives everything they do. To serve their communities, LMCU operates 67 branch locations across Michigan and Florida, and digital banking to provide easier access to their banking products remotely from anywhere. The Lake Michigan Credit Union login portal gives you infinite access to all of their products and services with just a few taps on your gadget.
LMCU provides a wide range of both personal and business banking products with high rates in savings, fewer fees, and low rates when customers borrow LMCU lending products. All these products are accessible on LMCU online banking. To help you learn more about Lake Michigan Credit Union online banking, this article will give you a step-by-step guide on how to access the LMCU online banking login portal easily and securely.
| Website | https://www.lmcu.org/ |
| Branch/ATM Locator | Locations |
| Routing Number | 272480678 |
| Swift Code | LMCNUS33 |
| Contact | 800-242-9790 |
| Lake Michigan Mobile Banking | App Store | Google Play |
How to Login to the Lake Michigan Credit Union Login Portal
To access all of the Lake Michigan Credit Union online banking services, first, you need to log in to your account. Follow this step-by-step procedure below to log in.
Step 1: Go to the Lake Michigan Credit Union login portal through this link.
Step 2: Locate the login box on the right side of the homepage. Select Personal Account.
Step 3: Enter your Username and Password/Passcode then Log In.
Now you’ve successfully logged into the Lake Michigan Credit Union login portal. Make sure you enter the credentials correctly to prevent login failure.
How to Reset Your Password on the Lake Michigan Credit Union Login Portal
You may have problems recalling your password when you have multiple financial online accounts. If you forget your Lake Michigan Credit Union login password, you need to reset it first to regain access to your account. To do so, follow the steps below.
Step 1: Go to the Lake Michigan Credit Union login portal through this link.
Step 2: Locate the login box on the right side of the homepage. Click password.
Step 3: Enter your Username, First Name, Last Name, and Last 4 of SSN or EIN then Submit.
Continue to complete all the steps to reset your lost password. When you’re done, you’ll be able to access LMCU online banking.
How to Recover Your Username on LMCU Online Banking Login Portal
The steps you need to recover your username are simple. You only need less than five minutes to do it. Keep reading to learn about how to recover your Lake Michigan Credit Union online banking login username.
Step 1: Go to the LMCU online banking login portal through this link.
Step 2: Click Forgot Username.
Step 3: Enter your Account Number, First Name, Last Name, and Last 4 of SSN or EIN then Submit.
Finish all the next steps given on the screen very carefully. Once you’re done, you can use it to log in to LMCU online banking login portal and access your account.
How to Enroll in Lake Michigan Credit Union Online Banking
If you don’t have an LMCU online banking account yet, follow these simple guidelines to enroll in Lake Michigan Credit Union online banking.
Step 1: Go to the Lake Michigan Credit Union login portal through this link.
Step 2: Locate the login box on the right side of the homepage. Click Sign Up.
Step 3: Select an account type. This guide will show you how to enroll in Personal Banking.
Step 4: Read and accept the Lake Michigan Credit Union Online and Mobile Banking Agreement and Disclosure. Then, click Continue.
Step 5: Enter your First Name, Last Name, Account Number, Social Security Number, and Home Phone in the respective fields. Then, click Submit.
Please provide and submit all the necessary information given by the system. When you’ve finished all the steps, you can access the Lake Michigan Credit Union login portal using the login credentials you created during the enrollment.
Mobile Banking Capabilities of Lake Michigan Credit Union
Today, transferring money is no longer a hard thing to do. Thanks to the great features of Lake Michigan Mobile Banking, your banking needs have become more accessible. See here what you can do with Lake Michigan CU Mobile:
- Check your account balances,
- Deposit checks using your phone camera,
- Transfer funds between eligible accounts,
- Pay your bills with Bill Pay,
- Set travel notices for your LMCU card, and
- Set up account alerts or notifications.
Get the convenience of any transaction at the palm of your hand with Lake Michigan Mobile Banking. Available in App Store and Google Play.
How to Contact Lake Michigan Credit Union
If you need help accessing Lake Michigan Credit Union online banking or need information about their banking products, don’t hesitate to contact Customer Service. Here we give you the LMCU contact details.
Customer Service
Local: 616-242-9790
Toll-Free: 800-242-9790
E-Support for Online Issues
Support: 844-754-6281
Online applications: 844-754-6281
Mortgage: 844-754-6280
Automated Phone Banking
Local: 616-942-3360
Toll-Free: 800-796-3360
Automated Funds Verification
Free 24/7 funds verification is available by dialing 616-301-8026
Contact Center Hours
Monday-Friday 8:00 AM – 9:00 PM
Saturday 9:00 AM – 1:00 PM
Or visit your local branch if you prefer to meet the bank’s representative in person. Click here to find the location, contact information, and working hours.
Credit Unions of Similar Capacity in Michigan
As a not-for-profit financial organization, Credit Union is the best option for you to establish your financial needs or goals, either savings or lending. Lake Michigan Credit Union is one of the best Credit Unions in Michigan that offers a low rate on their lending products, including Home Equity Line of Credit (HELOC). If you currently live in Michigan and looking for HELOC, you may want to consider Lake Michigan Credit Union as the place to start your plan.
LMCU Home Equity Line of Credit has a 15-year repayment term with the payout of revolving credit. An APR is as low as 5.99% that qualified borrowers with under 80% Combined Loan to Value (CLTV). This is a variable rate that will not exceed 12% APR. This account is best for intermittent cash needs over several years.
In case you’re still looking around for other credit unions that may match your qualifications, check the listed credit unions below.
Let’s take a look at them one by one!
DFCU Financial
Founded in 1950, Forbes has ranked DFCU as one of Michigan’s best credit unions. DFCU Financial is a state-chartered credit union headquartered in Dearborn, Michigan with 28 branches in Metro Detroit, Ann Arbor, Lansing, and Grand Rapids. As of December 2021, DFCU Financial had approximately $6.4 billion in total assets. DFCU members have access to 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, through the CO-OP Network.
Home Equity Line of Credit by DFCU Financial has a maximum loan amount of up to $250,000 or up to 90% of your home’s equity. The payoff period is ranging from 60 to 180 months. There is no application fee or pre-payment penalty, but an appraisal fee and an annual fee of $50 will apply. The APR is as low as 7.5% with maximum CLTV ranging from >80% to <=90%.
Genisys Credit Union
Genisys Credit Union is a credit union based in Auburn Hills, Michigan. It is one of the largest credit unions in Michigan with over 250,000 members and assets of $4 billion as of December 31, 2021. Genisys Credit Union operates 28 branches in Michigan, 3 in Minnesota, and 1 in Pennsylvania. Genisys members have access to 5,000 shared credit union branch locations in the country.
Flex Home Equity Line of Credit by Genisys Credit Union has a Loan to Value up to 80% with an APR as low as 6.25% and the maximum APR is 18%. The minimum line of credit is $5,000 and the minimum draw amount is $100. Home Equity Loans will not exceed a Loan to Value of 80%. The closing fees start at $275 to $1,5000. During the Draw Period, your minimum payment will equal the greater of $50 or the periodic charges and other fees.
Advia Credit Union
Advia Credit Union is serving the Michigan area with both personal and business banking options, home mortgages, loans, investments, and insurance. The credit union is headquartered in Kalamazoo, Michigan, and operates 28 full-service branch locations and over 35,000 CO-OP and Alliance One fee-free ATM & Video Teller Machines. In 2021, Advia exceeded $2.6 Billion in total assets held.
Advia Credit Union’s HELOC has no annual fee, pre-payment penalty, and no closing costs unless an appraisal is required for HELOC. This HELOC is accessible for a 10-year draw period. The APR is as low as 7.25% with CLTV ranging from 81%-90%. There is a promotional 1.39% APR on Advia’s Interest-Only Variable HELOC for the first 12 billing cycles after closing.
To conclude, DFCU Financial has the highest APR, which is up to 7.5%. Genisys Credit Union has a higher closing fee range, from $275 to $1,5000, while Advia has no closing costs. DFCU Financial has higher maximum loan amount, which is up to $25,000. Lake Michigan has the lowest rate, which is as low as 5.99%. The maximum APR is only 12%, which is the lowest one.
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Hope this article was useful and gives you all details about Lake Michigan Credit Union login portal. Feel free to contact us with any questions you may have.
