Credit union · NCUA insured
Lake Michigan Credit Union
Top CarrotA $16.9B credit union, the 14th largest of 4,329, headquartered in Caledonia, MI, with 530,662 members and 76 branches in 2 states. Best rates: savings 1.75% APY.
Lake Michigan Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#9 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lake Michigan Credit Union
- Headquarters
- 5664 Prairie Creek Dr SE, Caledonia, MI 49316
- NCUA charter
- 62514
Branches
76 branches in 2 states
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Michigan
53 branches
Grand Rapids area · 32
- Ada496 Ada Dr SE STE 103, Ada, MI 49301Directions
- Allendale5023 Lake Michigan Dr, Allendale, MI 49401Directions
- 68th St675 68th St SW, Byron Center, MI 49315Directions
- 84th Street904 84th St SW, Byron Center, MI 49315Directions
- Broadmoor7175 Broadmoor Ave SE, Caledonia, MI 49316Directions
- Alpine4866 Alpine Ave NW, Comstock Park, MI 49321Directions
- Grand Haven951 Jackson Ave, Grand Haven, MI 49417Directions
- Grand Haven - Robbins Road16916 Robbins Rd, Grand Haven, MI 49417Directions
- 28th St5701 28th St SE, Grand Rapids, MI 49546Directions
- Cascade1210 Spaulding Ave SE, Grand Rapids, MI 49546Directions
- East Paris4050 Lake Dr SE, Grand Rapids, MI 49546Directions
- Knapp2024 Celebration Dr NE, Grand Rapids, MI 49525Directions
- Lake Dr Corporate4027 Lake Dr SE, Grand Rapids, MI 49546Directions
- Lake Michigan Drive2720 Lake Michigan Dr NW, Grand Rapids, MI 49504Directions
- Leonard1820 Leonard St NE, Grand Rapids, MI 49505Directions
- Medical Mile342 Michigan St NE, Grand Rapids, MI 49503Directions
- Northland5453 Northland Dr NE, Grand Rapids, MI 49525Directions
- Plainfield2209 Plainfield Ave NE, Grand Rapids, MI 49505Directions
- Saint Mary's260 Jefferson Ave. SE, Grand Rapids, MI 49503Directions
- South Division3870 Division Ave S, Grand Rapids, MI 49548Directions
- Sparks Dr3810 Sparks Dr SE, Grand Rapids, MI 49546Directions
- Greenville2001 W Washington St, Greenville, MI 48838Directions
- Holland - West Shore3493 W Shore Dr, Holland, MI 49424Directions
- Holland 8th677 E 8th St, Holland, MI 49423Directions
- Hudsonville4100 32nd Ave, Hudsonville, MI 49426Directions
- Jenison7409 Cottonwood Dr, Jenison, MI 49428Directions
- Kentwood6206 Kalamazoo Ave SE, Kentwood, MI 49508Directions
- Lowell2350 W Main St, Lowell, MI 49331Directions
- Rockford2335 10 mile Rd NE, Rockford, MI 49341Directions
- Metro5986 Metro Way SW, Wyoming, MI 49519Directions
- Wyoming2636 44th St SW, Wyoming, MI 49519Directions
- Zeeland8630 E Main Ave, Zeeland, MI 49464Directions
Detroit area · 8
- Brighton332 W Main St, Brighton, MI 48116Directions
- Downtown Detroit - Woodward Avenue2715 Woodward Ave, Suite A, Detroit, MI 48201Directions
- Farmington Hills34391 W 12 Mile Rd, Farmington Hills, MI 48331Directions
- Livonia19025 Newburgh Rd, Livonia, MI 48152Directions
- Rochester Hills310 W Tienken Rd, Rochester Hills, MI 48306Directions
- Sterling Heights35653 Dodge Park Rd, Sterling Heights, MI 48312Directions
- Troy734 W Long Lake Rd, Troy, MI 48098Directions
- White Lake6615 Highland Rd, White Lake, MI 48383Directions
Kalamazoo area · 5
- Gull3326 Gull Rd, Kalamazoo, MI 49048Directions
- West Main6170 W Main St, Kalamazoo, MI 49009Directions
- Westnedge435 S Westnedge Ave, Kalamazoo, MI 49007Directions
- Portage4084 W Centre Ave, Portage, MI 49024Directions
- Schoolcraft106 N Grand St, Ste B, Schoolcraft, MI 49087Directions
Muskegon area · 4
- Muskegon925 W Sherman Blvd, Muskegon, MI 49441Directions
- North Muskegon1606 Holton Rd, Muskegon, MI 49445Directions
- Norton Shores1619 E Mount Garfield Rd, Muskegon, MI 49444Directions
- Ravenna12409 Stafford Rd, Ravenna, MI 49451Directions
Traverse City area · 2
- Traverse City310 W Front St, Traverse City, MI 49684Directions
- Traverse City US 313650 N US Highway 31 S, Traverse City, MI 49684Directions
Ann Arbor area · 1
- Ann Arbor3201 S State ST, Ann Arbor, MI 48108Directions
Saginaw area · 1
- Saginaw5430 State St, Saginaw, MI 48603Directions
Florida
23 branches
Cape Coral area · 7
- Bonita Beach Rd3987 Bonita Beach Rd, Bonita Springs, FL 34134Directions
- Del Prado Blvd521 Del Prado Blvd S, Cape Coral, FL 33990Directions
- Bonita Springs24201 Walden Center Dr, Estero, FL 34134Directions
- Estero21910 S Tamiami Trl, Estero, FL 33928Directions
- Fort Myers - Encore7920 Summerlin Lakes Dr, Fort Myers, FL 33907Directions
- Gulf Coast17830 Ben Hill Griffin Pkwy, Fort Myers, FL 33913Directions
- Summerlin Crossings7580 Winkler Rd, Fort Myers, FL 33908Directions
Tampa area · 7
- St. Petersburg2180 4th St N, St. Petersburg, FL 33704Directions
- Sun City Center - Encore1653 Sun City Center Plz, Ste 101, Sun City Center, FL 33573Directions
- New Tampa17635 Bruce B Downs Blvd, Tampa, FL 33647Directions
- South Tampa408 S Macdill Ave, Tampa, FL 33609Directions
- Temple Terrace5140 E Fowler Ave, Tampa, FL 33617Directions
- Upper Tampa Bay12471 W Linebaugh Ave, Tampa, FL 33626Directions
- Valrico3467 Lithia Pinecrest Rd, Valrico, FL 33596Directions
Naples area · 5
- Berkshire Common7405 Devonshire Blvd, Naples, FL 34104Directions
- Collier8635 Collier Blvd, Naples, FL 34114Directions
- Immokalee2470 Immokalee Rd, Naples, FL 34110Directions
- Naples Main - Encore3003 Tamiami Trl N, Ste 100, Naples, FL 34103Directions
- North Naples - Encore2370 Vanderbilt Beach Rd, Naples, FL 34109Directions
North Port area · 2
- Bradenton - Lakewood Ranch8704 State Road 70 E, Bradenton, FL 34202Directions
- Sarasota - Downtown1790 Main St, Sarasota, FL 34236Directions
Lakeland area · 1
- Lakeland439 S Florida Ave, Lakeland, FL 33801Directions
Punta Gorda area · 1
- Port Charlotte - Encore2120 Kings Hwy, Port Charlotte, FL 33980Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.27% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.35% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.23% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio11.27%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.35%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.23%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lake Michigan Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.