LMCU Lake Michigan Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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LMCU Lake Michigan Credit Union's 7 month 07 Month CD rates are at 4.30%, 07 Month CD rates are at 4.05%, 07 Month IRA/HSA CD rates are at 4.05%, 60 Month CD rates are at 3.35%, 60 Month IRA/HSA CD rates are at 3.35%. LMCU Lake Michigan Credit Union's savings rates are at 1.00%. LMCU Lake Michigan Credit Union's money market rates are at 1.00%.
LMCU Lake Michigan Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at LMCU Lake Michigan Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . LMCU Lake Michigan Credit Union Texas RatioLMCU Lake Michigan Credit Union's Texas Ratio is at 2.47%, which is considered excellent. The Texas Ratio for LMCU Lake Michigan Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that LMCU Lake Michigan Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
LMCU Lake Michigan Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, LMCU Lake Michigan Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
LMCU Lake Michigan Credit Union
Prairie Creek 5664 Prairie Creek Dr SE
Caledonia, MI 49316 
LMCU Lake Michigan Credit Union CD Rates
LMCU Lake Michigan Credit Union Savings Rates
LMCU Lake Michigan Credit Union Money Market Rates
LMCU Lake Michigan Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for LMCU Lake Michigan Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather LMCU Lake Michigan Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with LMCU Lake Michigan Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: LMCU Lake Michigan Credit Union
Website: https://www.lmcu.org
Full Time Employees: 1692Part Time Employees: 97 President: Gretchen Tellman CEO: Julie Leonard Branch Locations: 73 ATM Locations: 71 Corporate Office Address:
5664 Prairie Creek Dr SE
Caledonia, MI 49316 Phone Number: 616-242-9790 Fax Number: FinancialsTotal Assets:
15,210,402,425
Total Amount of Shares and Deposits:
12,870,775,137
Total Shares and Deposits < 1 Year:
12,097,030,275
Total Shares and Deposits 1 3 Years:
740,954,965
Total Shares and Deposits > 3 Years:
32,789,897
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,287,819,616
Total Uninsured Shares and Deposits > $250K (F+J):
2,287,819,616
Total Insured Shares and Deposits > $250K (item 17 less item K):
10,582,955,521
Total Interest Expense (Sum of items 6 8):
239,847,536
Share Certificates:
80,712
Number of Accounts for Share Drafts:
430,140
IRA KEOGH Accounts:
23,628
Number of Accounts for Regular Shares:
680,339
All other shares:
47,212
Non Member Deposits:
1
Money Market Shares:
81,758
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
965,367,309
Total Liabilities:
13,492,387,204
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About LMCU Lake Michigan Credit UnionIs a member application needed to join LMCU Lake Michigan Credit Union?Yes, to access services at LMCU Lake Michigan Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, LMCU Lake Michigan Credit Union provides a range of mortgage and home equity products. Is LMCU Lake Michigan Credit Union a safe place to deposit money?Yes, LMCU Lake Michigan Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does LMCU Lake Michigan Credit Union offer online and mobile banking?Most modern institutions like LMCU Lake Michigan Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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