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LMCU Lake Michigan Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
LMCU Lake Michigan Credit Union's 60 Month CD - VIP Bonus rates are at 4.00%, 9 Month CD - VIP Bonus rates are at 3.90%, 48 Month CD - VIP Bonus rates are at 3.75%, 60 Month CD rates are at 3.75%, 9 Month CD rates are at 3.65%. LMCU Lake Michigan Credit Union's savings rates are at 3.90%. LMCU Lake Michigan Credit Union's money market rates are at 3.90%. LMCU Lake Michigan Credit Union's checking rates are as high as 4.00%. LMCU Lake Michigan Credit Union's Personal Loan Rates are as low as 9.99%. LMCU Lake Michigan Credit Union's Credit Card Rates are at 10.00%. LMCU Lake Michigan Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of LMCU Lake Michigan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.31%. Rates last updated and verified on 10/29/2026.
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 LMCU Lake Michigan Credit Union by leaving a review below, or read customer reviews before you decide to use LMCU Lake Michigan Credit Union.
LMCU Lake Michigan Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
LMCU Lake Michigan Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.31%
ExcellentLower than avg
LMCU Lake Michigan Credit Union Texas Ratio
LMCU Lake Michigan Credit Union's Texas Ratio is 2.31%, which is considered excellent and is lower than the national average of 6.13%.
LMCU Lake Michigan Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.24% to 2.31% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
LMCU Lake Michigan Credit Union CD Rates
Product
Rate
APY
Term
View More
60 Month IRA/HSA CD - VIP Bonus
4.07%
4.15%
60 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
9 Month IRA/HSA CD - VIP Bonus
3.98%
4.05%
9 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
60 Month CD - VIP Bonus
3.93%
4.00%
60 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
48 Month IRA/HSA CD - VIP Bonus
3.83%
3.90%
48 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
60 Mo. IRA CD VIP
-
3.90%
60 months
DetailsIRA certificate; VIP bonus rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
60 Month IRA/HSA CD
3.83%
3.90%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
9 Month CD - VIP Bonus
3.83%
3.90%
9 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
9 Month IRA/HSA CD
3.74%
3.80%
9 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
36 Month IRA/HSA CD - VIP Bonus
3.69%
3.75%
36 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
48 Month CD - VIP Bonus
3.69%
3.75%
48 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
60 Month CD
3.69%
3.75%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
30 Month IRA/HSA CD - VIP Bonus
3.64%
3.70%
30 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
18 Month IRA/HSA CD - VIP Bonus
3.59%
3.65%
18 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
24 Month IRA/HSA CD - VIP Bonus
3.59%
3.65%
24 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
25 Month IRA/HSA CD - VIP Bonus
3.59%
3.65%
25 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
48 Month IRA/HSA CD
3.59%
3.65%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
9 Month CD
3.59%
3.65%
9 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
12 Month IRA/HSA CD - VIP Bonus
3.54%
3.60%
12 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
13 Month IRA/HSA CD - VIP Bonus
3.54%
3.60%
13 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
14 Month IRA/HSA CD - VIP Bonus
3.54%
3.60%
14 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
15 Month IRA/HSA CD - VIP Bonus
3.54%
3.60%
15 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
17 Month IRA/HSA CD - VIP Bonus
3.54%
3.60%
17 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
36 Month CD - VIP Bonus
3.54%
3.60%
36 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
10 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
10 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
11 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
11 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
3 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
30 Month CD - VIP Bonus
3.49%
3.55%
30 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
5 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
5 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
6 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
6 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
7 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
7 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
8 Month IRA/HSA CD - VIP Bonus
3.49%
3.55%
8 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
18 Month CD - VIP Bonus
3.45%
3.50%
18 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
24 Month CD - VIP Bonus
3.45%
3.50%
24 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
25 Month CD - VIP Bonus
3.45%
3.50%
25 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
36 Month IRA/HSA CD
3.45%
3.50%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
48 Month CD
3.45%
3.50%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
12 Month CD - VIP Bonus
3.40%
3.45%
12 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
13 Month CD - VIP Bonus
3.40%
3.45%
13 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
14 Month CD - VIP Bonus
3.40%
3.45%
14 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
15 Month CD - VIP Bonus
3.40%
3.45%
15 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
17 Month CD - VIP Bonus
3.40%
3.45%
17 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
30 Month IRA/HSA CD
3.40%
3.45%
30 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
10 Month CD - VIP Bonus
3.35%
3.40%
10 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
11 Month CD - VIP Bonus
3.35%
3.40%
11 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
18 Month IRA/HSA CD
3.35%
3.40%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
24 Month IRA/HSA CD
3.35%
3.40%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
25 Month IRA/HSA CD
3.35%
3.40%
25 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
3 Month CD - VIP Bonus
3.35%
3.40%
3 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
5 Month CD - VIP Bonus
3.35%
3.40%
5 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
6 Month CD - VIP Bonus
3.35%
3.40%
6 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
7 Month CD - VIP Bonus
3.35%
3.40%
7 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
8 Month CD - VIP Bonus
3.35%
3.40%
8 months
Min Deposit$500
DetailsVIP Relationship Reward Bonus rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
12 Month IRA/HSA CD
3.30%
3.35%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
13 Month IRA/HSA CD
3.30%
3.35%
13 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
14 Month IRA/HSA CD
3.30%
3.35%
14 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
15 Month IRA/HSA CD
3.30%
3.35%
15 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
17 Month IRA/HSA CD
3.30%
3.35%
17 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
36 Month CD
3.30%
3.35%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
10 Month IRA/HSA CD
3.25%
3.30%
10 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
11 Month IRA/HSA CD
3.25%
3.30%
11 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
3 Month IRA/HSA CD
3.25%
3.30%
3 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
30 Month CD
3.25%
3.30%
30 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
5 Month IRA/HSA CD
3.25%
3.30%
5 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
6 Month IRA/HSA CD
3.25%
3.30%
6 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
7 Month IRA/HSA CD
3.25%
3.30%
7 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
8 Month IRA/HSA CD
3.25%
3.30%
8 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
18 Month CD
3.20%
3.25%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
24 Month CD
3.20%
3.25%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
25 Month CD
3.20%
3.25%
25 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
12 Month CD
3.15%
3.20%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
13 Month CD
3.15%
3.20%
13 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
14 Month CD
3.15%
3.20%
14 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
15 Month CD
3.15%
3.20%
15 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
17 Month CD
3.15%
3.20%
17 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
10 Month CD
3.11%
3.15%
10 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
11 Month CD
3.11%
3.15%
11 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
3 Month CD
3.11%
3.15%
3 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
5 Month CD
3.11%
3.15%
5 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
6 Month CD
3.11%
3.15%
6 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
7 Month CD
3.11%
3.15%
7 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
8 Month CD
3.11%
3.15%
8 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Savings Rates
Product
Rate
APY
View More
Max Savings
3.84%
3.90%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Savings
3.11%
3.15%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Savings
3.11%
3.15%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Kids Club Savings
2.97%
3.00%
Min Balance$0
DetailsBalance: $0 - $1,000
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Teen Club Savings
2.97%
3.00%
Min Balance$0
DetailsBalance: $0 - $1,000
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Savings
2.87%
2.90%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Savings
1.74%
1.75%
Min Balance$100
DetailsBalance: $100 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Health Savings Account (HSAs)
-
1.00%
DetailsUp to 1.00% APY; Tax-advantaged savings for qualified medical expenses; No opening, maintenance or transaction fees; No minimum balance; Eligibility and contribution limits apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
IRA Money Market Savings
0.60%
0.60%
DetailsDividend Rate (Interest) 0.60%; APY 0.60%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Roth IRA Shares
0.60%
0.60%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Health Savings Account
0.50%
0.50%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Health Savings Account
0.25%
0.25%
Min Balance$0
DetailsBalance: $0 - $999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Health Savings Account
0.25%
0.25%
Min Balance$1,000
DetailsBalance: $1,000 - $4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Holiday Club
0.25%
0.25%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Kids Club Savings
0.25%
0.25%
Min Balance$1,001
DetailsBalance: $1,001 +
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Member Savings
0.25%
0.25%
Min Balance$100
DetailsBalance: $100 +
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Teen Club Savings
0.25%
0.25%
Min Balance$1,001
DetailsBalance: $1,001 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Savings
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $99.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.87% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Money Market Rates
Product
Rate
APY
View More
Max Money Market
3.83%
3.90%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
3.11%
3.15%
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
2.86%
2.90%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
1.98%
2.00%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
1.98%
2.00%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
1.00%
1.00%
Min Balance$0
DetailsBalance: $0 - $2,500
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
1.00%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Money Market
1.00%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
IRA Money Market Savings
0.60%
0.60%
DetailsDividend Rate (Interest) 0.60%; APY 0.60%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Checking Rates
Product
Rate
APY
View More
Max Checking
-
4.00%
DetailsUp to 4.00% APY on all balances up to $15,000; No monthly fee; Requirements apply to earn maximum interest
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Advantage 50 Checking
0.25%
0.25%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Investors Checking Account
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Investors Checking Account
0.15%
0.15%
Min Balance$2,500
DetailsBalance: $2,500 - $4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Investors Checking Account
0.15%
0.15%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Free Checking Account
0.00%
0.00%
No additional details.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking Account
0.20%
0.20%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Business Interest Checking Account
0.20%
0.20%
Min Balance$500,000
DetailsBalance: $500,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Business Interest Checking Account
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Business Interest Checking Account
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Business Interest Checking Account
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Business Interest Checking Account
0.00%
0.00%
No additional details.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15%
Sep 18, 20260.20%▲ from 0.15%
Sep 14, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Autos - New
-
-
5.74%
DetailsAs Low As; Includes motorcycles.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Autos - Used
-
-
5.74%
DetailsAs Low As; Includes motorcycles.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Marine - New Loan
-
7.49%
DetailsAs Low As; Boat Loans - Marine category includes new boats, used boats, pontoons, inflatables, and jet boats
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Sep 18, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Marine - Used Loan
-
7.49%
DetailsAs Low As; Boat Loans - Marine category includes new boats, used boats, pontoons, inflatables, and jet boats
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Sep 18, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
RV's - New Loan
-
7.49%
DetailsAs Low As; RV Loans
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Sep 18, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
RV's - Used Loan
-
7.49%
DetailsAs Low As; RV Loans
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Sep 18, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Other Recreational Loans - 4 Wheelers-Snowmobiles
-
8.49%
DetailsAs Low As; The Other Recreational category includes 4-Wheelers, ATVs, dirt bikes, personal watercraft, and snowmobiles.
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Credit Card Rates
Product
Rate
APR
View More
Prime Platinum Visa Credit Card
-
10.00%
DetailsAs Low As; Rates as of 10/25/26 and subject to change; Credit card rates are variable
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Oct 5, 202610.00%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Max Rewards Visa Credit Card
-
13.75%
DetailsAs Low As; Rates as of 10/25/26 and subject to change; Credit card rates are variable
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 13.50% → 13.75% ▲ 0.25 pts · high 13.75% / low 13.50%
Oct 5, 202613.75%▲ from 13.50%
Sep 14, 202613.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
My Biz Visa
-
17.00%
DetailsRates as of 10/25/26 and subject to change; Credit card rates are variable
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 16.75% → 17.00% ▲ 0.25 pts · high 17.00% / low 16.75%
Oct 5, 202617.00%▲ from 16.75%
Sep 14, 202616.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
DetailsAs Low As; APR (as low as)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
LMCU Lake Michigan Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Coverdell ESA Money Market
0.60%
-
0.60%
DetailsDividend Rate (Interest) 0.60%; APY 0.60%; Learn More
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Education (ESA)
-
-
0.60%
DetailsUp to 0.60% APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Youth Accounts
-
-
3.00%
DetailsUp to 3.00% APY; up to $1,000 balance; Kids Club for children 12 and under, Teen Club for ages 13-17
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.31%
Financial Health History
LMCU Lake Michigan Credit Union’s Texas Ratio rose from 1.24% in Q3 2023 to 2.31% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$17.3B
2.31%
5.0
A+
March 31, 2026
$16.9B
2.85%
5.0
A+
December 31, 2025
$16.0B
3.21%
5.0
A+
September 30, 2025
$15.2B
2.33%
5.0
A+
June 30, 2025
$14.9B
2.40%
5.0
A+
March 31, 2025
$14.8B
2.26%
5.0
A+
December 31, 2024
$14.5B
2.34%
5.0
A+
September 30, 2024
$14.4B
2.61%
5.0
A+
June 30, 2024
$14.3B
1.90%
5.0
A+
March 31, 2024
$13.9B
1.69%
5.0
A+
December 31, 2023
$13.4B
1.71%
5.0
A+
September 30, 2023
$12.9B
1.24%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Address
5664 Prairie Creek Dr SE,
Caledonia, MI 49316
Phone616-242-9790
Fax
PresidentGretchen Tellman
CEOJulie Leonard
Full-Time Employees1,789
Part-Time Employees83
Branch Locations75
ATM Locations72
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.31%
Return on Assets (ROA)
0.5899%
Return on Equity (ROE)
5.2352%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
17,260,743,113
Total Amount of Shares and Deposits
14,736,458,016
Total Shares and Deposits < 1 Year
14,564,679,712
Total Shares and Deposits 1 3 Years
141,570,288
Total Shares and Deposits > 3 Years
30,208,016
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,727,723,520
Total Uninsured Shares and Deposits > $250K (F+J)
2,727,723,520
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,008,734,496
Total Interest Expense (Sum of items 6 8)
194,486,650
Share Certificates
92,035
Number of Accounts for Share Drafts
448,837
IRA KEOGH Accounts
24,512
Number of Accounts for Regular Shares
710,111
All other shares
48,580
Non Member Deposits
1
Money Market Shares
89,754
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,293,909,923
Total Liabilities
15,386,580,668
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
LMCU Lake Michigan Credit Union earned the Verified Healthy badge
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Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About LMCU Lake Michigan Credit Union
Does LMCU Lake Michigan Credit Union offer CDs?
Yes. LMCU Lake Michigan Credit Union current CD rates include its 60 Month CD - VIP Bonus at 4.00% APY, its 9 Month CD - VIP Bonus at 3.90% APY and its 48 Month CD - VIP Bonus at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from LMCU Lake Michigan Credit Union NCUA insured?
Yes. LMCU Lake Michigan Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at LMCU Lake Michigan Credit Union?
The highest LMCU Lake Michigan Credit Union CD rate is its 60 Month IRA/HSA CD - VIP Bonus at 4.15% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does LMCU Lake Michigan Credit Union offer?
LMCU Lake Michigan Credit Union CD rates are 3.90% APY for a 9 month CD, 3.15% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.75% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with LMCU Lake Michigan Credit Union for its full lineup.
What is the highest savings rate at LMCU Lake Michigan Credit Union?
The highest LMCU Lake Michigan Credit Union savings rate is its Max Savings at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at LMCU Lake Michigan Credit Union?
The highest LMCU Lake Michigan Credit Union money market rate is its Max Money Market at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at LMCU Lake Michigan Credit Union?
The highest LMCU Lake Michigan Credit Union checking rate is its Max Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at LMCU Lake Michigan Credit Union?
The lowest LMCU Lake Michigan Credit Union auto loan rate is its Autos - New at 5.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at LMCU Lake Michigan Credit Union?
The lowest LMCU Lake Michigan Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at LMCU Lake Michigan Credit Union?
The lowest LMCU Lake Michigan Credit Union credit card APR is its Prime Platinum Visa Credit Card at 10.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does LMCU Lake Michigan Credit Union operate?
LMCU Lake Michigan Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is 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. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, LMCU Lake Michigan Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, LMCU Lake Michigan Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does LMCU Lake Michigan Credit Union offer online and mobile banking?
Most modern institutions like LMCU Lake Michigan Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lmcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do LMCU Lake Michigan Credit Union rates compare?
LMCU Lake Michigan Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. LMCU Lake Michigan Credit Union's top rates are its 60 Month IRA/HSA CD - VIP Bonus at 4.15% APY, its Max Savings at 3.90% APY, its Max Money Market at 3.90% APY, its Max Checking at 4.00% APY, its Personal Loan at 9.99% APR and its Prime Platinum Visa Credit Card at 10.00% APR, verified by MonitorBankRates on October 29, 2026.
Current LMCU Lake Michigan Credit Union Rates
12-Month CD3.15%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.75%
Savings3.90%
MMA3.90%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
