Back to Grand Rapids credit unions

Lake Michigan

PO Box 2848, Grand Rapids, MI 49501
NCUA Insured3.4 (91 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1933

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 2848

Grand Rapids, MI 49501

Service Area

This credit union is located in Grand Rapids and serves members in the MI area. Currently serving 523,449 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

7.99%

Personal Loan

12.00%

Credit Card APR

13.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(79 total)

Member Reviews

3.4

91 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Gary Meltz

Gary Meltz

3 months ago

I don't have a lot of regrets in life, but working with LMCU is one of them. They take forever to respond. You sit on hold for a long time when you call. They have twice failed to pay my insurance through my mortgage escrow (one time leaving me uninsured), and if you want to skip escrow they charge you a fee to keep your own money. Talk about nerve. Crooks. Avoid at all costs.

Olivia C

Olivia C

5 months ago

Mot understanding how a federally recognized tribal ID doesn’t allow me to access my banking? This is discrimination by policy and as an LMCU member for 10 years, I feel as though I should take my money elsewhere.

jackie

jackie

3 months ago

Love this bank and I don't usually need to ever go to the bank but when I have gone the past couple of times, their system is always down. LMCU either put a note on the window stating that the systems are down or close in the meantime. It's genuinely a waste of time going all the way into the building to be told that the systems are down.

Andrew Ragains

Andrew Ragains

6 months ago

I switched to LMCU as my primary financial institution after getting frustrated with 5/3. Their experience and service has been a huge upgrade and Joey V, who helped me, was swift and professional. In my very limited experience with LMCU I recommend them. I hope this continues.

R

R

6 months ago

Difficult time accessing money due to a hold since the account is new. Will be closing it as soon as the hold clears as the best way to piss someone off is to keep them from their cash.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).