Credit union · NCUA insured
Lakeshore Federal Credit Union
A $45.9M credit union headquartered in Muskegon, MI, with 2,628 members and 1 branch in Michigan. Best rates: CDs 3.75% and savings 0.10% APY.
Lakeshore Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#8 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lakeshore Federal Credit Union
Lakeshore Federal Credit Union is headquartered in Muskegon, Michigan.
- Headquarters
- 2182 Lakeshore Dr, Muskegon, MI 49441-1414
- NCUA charter
- 8709
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located within Muskegon County are eligible for membership.
- Individuals who live in Muskegon County are eligible for membership.
- Individuals who work in Muskegon County are eligible for membership.
- Individuals who worship in Muskegon County are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
- Organizations associated with eligible individuals are eligible for membership.
3 more ways to join
Military, government and schools
- Individuals who attend school in Muskegon County are eligible for membership.
Family and household
- Immediate family members or household members of a current or eligible member are eligible for membership.
- Spouses of persons who were within the field of membership at the time of their passing are eligible for membership.
Cost to join
- A $5.00 deposit is required to purchase a share in the credit union to open a savings account, and must remain in the account until it is closed out.
Branches
1 branch in Michigan
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Michigan
1 branch
- Lakeshore Federal Credit UnionMain office2182 Lakeshore Dr, Muskegon, MI 49441Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.87% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.51% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $33 | $59 | — |
- CapitalNet worth ratio11.87%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$33Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Lakeshore Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.