Lake Michigan Credit Union is a Federally Insured State Chartered Credit Union with 39 branches, assets of $4,390,391,710 that is headquartered in Grand Rapids, MI. Lake Michigan Credit Union is the largest credit union in West Michigan. Lake Michigan Credit Union offers a full range of financial services. From savings and checking programs, to... show more
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Lake Michigan Credit Union Reviews
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46%
4
28%
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4.0
253 reviews
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Lake Michigan Credit Union
dhamilton2201 @dhamilton2201
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I started my re-fi with LMCU on December. I was told by my bank not to make a payment because it was in the payoff quote. I sent everything requested twice because they gave me a second loan officer. The worst combination I have ever seen. I called and emailed weekly because they never call back. When they did call back they told me the underwriters were way behind and not to worry. After five months of stringing me along they sent a denial. My credit score is 787. ( Started out at 814). I owe 900 dollars on my car otherwise O debt. 134-month perfect payment history. WHY was I denied? Now after living in my home 20 years I may lose it. I was doing re-fi to lower payment. I have all the delinquent payment money to get current, but now no one will take me because of delinquent payments. LCMU destroyed my life. Never even had the decency to call me in person?
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
dthird @dthird
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Horrible company.. when they started out, they were great.. really for the members.. now they are just another bank looking for your money.. screwed my family out of the $400 deposit to refi my home.. 6 months later.. still no refi.. 2 months later they contact us and state they cannot go forward, but since they did “so much work” they kept my deposit.. with no refi.. my current credit union took it on and actually gave me a better rate.. LMCU is a joke..
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
cperle1 @cperle1
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I would never give a recommendation for this bank / credit union. WIth COVID they were not willing to work with us, very unhappy. Will re-finance and get out ASAP from this unrealistic credit union
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
ramonojason @ramonojason
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Barbara Ball was the loan officer in charge of our Mortgage at LMCU. I must say lack of communication is an understatement she seemed to not care as anyone else at the office we begged to speak to a manager to no avail.. Please read the reviews and beware its almost like they don't want to give out loans to even qualified candidates such as myself. Needless to say we had to change lenders to get the job done after 65 days of dealing with them we changed lenders and closed 26 days later.
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
lady_equus @lady_equus
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Horrible mortgage experience! My realtor and I were convinced that they didn't actually want me to get a mortgage. It took 76 days to close on a piece of vacant land and I started pre-approved. They were rude and only responded when I bugged them every day. When I stopped contacting them they got silent and did nothing. I have an email thread of 46 messages and I am NOT one of those annoying customers normally. I worked with Travis Hunt (he was okay) and finished with Emma Page. She was horrible, but Travis at least tried. I begged him to transfer me to someone else, but she's the Sr Loan Officer so you get screwed at that point.
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
Andrew Koehn @akoehn58
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Very poor customer service and lack of competency. I do not recommend using Lake Michigan for your mortgage needs. Dealt with Travis Hunt and it has been a miserable experience.
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Product: Lake Michigan Credit Union Mortgages
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Lake Michigan Credit Union
Celeste @celestenorvell3
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Verified Customer
A great app
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Product: Lake Michigan Credit Union Credit Cards
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Lake Michigan Credit Union
Erin Kloostra @EK2021
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It's unfortunate that you can't leave negative stars. I learned last week of my husband's passing. Without notice, LMCU took $20,000 out of our joint account to satisfy his credit card debt. They didn't so much as place a phone call, they just took the funds. I am only 36 and have 3 children depending on me. I begged them to allow me to make minimum payments and they said no. My husband has been their customer for over a decade and secured many, many, many auto loans for them.
Run!
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Product: Lake Michigan Credit Union Checking
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Lake Michigan Credit Union
marcus_kzootko @marcus_kzootko
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Verified Customer
These people are frauds. Go somewhere else. They have policies intended to make it as hard as possible to update information so they can collect late fees and deny promised benefits. Not to mention they lie right to your face.
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Product: Lake Michigan Credit Union Car Loans
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Lake Michigan Credit Union
Liz Oppewal @eoppewal
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Super unhelpful-incompetence-inability to communicate clearly or effectively. Find another place for your money if you have a choice.
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Product: Lake Michigan Credit Union Checking
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+197 users submitted a rating without writing a full review
In order to open an account with Lake Michigan Credit Union, you first need to become a member. You can find the membership requirement here: https://accountopening.lmcu.org/. The 3% rate is available for balances up to $15,000. However, other requirements are not mentioned on the website. Please find more details here: https://lmcu.org/banking/checking/checking_max.aspx.
