Lake Trust Credit Union

How $5 Makes a Difference

Your one-time $5 membership share makes you a part owner of Lake Trust. As a credit union member, you’ll have access to lower auto loan and credit card rates, fewer ATM fees, and higher rates on CDs1. That’s great news for you, right? Well, your membership here is also good for other people in Michigan, giving them the opportunity to enjoy the same perks. The more people who join us, the bigger the impact we can make in our communities together.

Extra Perks
  • Be Rewarded

    We’ve given back over $876,000 in Lake Trust Rewards in 2018. This monthly cash back is just one of the many ways we thank our members for using our products and services.

  • 30,000 fee free ATMs

    Our members have saved over $700,000 in ATM fees this year by using CO-OP Network ATMs across the country. Look for the CO-OP logo next time you withdraw cash to save a little more of what’s yours.

  • Bundle Your Savings

    Just for being a member, you could save up to $600 per year2 by combining auto and home insurance through one of our trusted community partners. That’s a lot of savings to, well, add to your savings.

  • Making a Plan

    From creating a college savings plan to getting ready for retirement, you’re not alone in these big decisions when you’re a Lake Trust member. Navigate every stage in life with confidence with our Financial Life Planning services.

  • In Good Health

    You have options, we have answers. With so many health insurance plans out there, it’s hard to pick the right one. We’re here to help you review your plans to find one that’s right for you and your family.

  • Bringing Business Alive

    Play a role in your community story. Our Commercial Team can help you manage your business with Treasury Services, like mobile banking and wire services. Or expand your legacy with a commercial loan.

  • Showing Support

    We support 3,790 local businesses in Michigan through loans, Treasury products, and account assistance. Being active in the local business community was one of the many reasons we were selected for the 2017 SBA Michigan District Credit Union Lender of the Year.

  • Sharing the Fun

    So far this year, we’ve given $146,619 in sponsorship contributions to help local causes. We support everything from educational programs at Impression 5 Science Center in Lansing to empowering individuals in need through Humble Design in Pontiac.

  • Time to Help

    We’re not afraid to lend a hand when we see a need. Team Lake Trust has already donated 2,985 volunteer hours to our communities in 2018. You might see us helping out at Gleaner’s Community Food Bank or volunteering with Big Brothers Big Sisters.

Invite your friends.

Share your code. Earn cash.

You’ll get $20 for each buddy who opens an account before November 30 and uses your referral code. Since you’re such a great friend, your buddy will also be entered into a drawing for $500 in cash3!

Get your code.

Fill out the form below to receive your code.

Share your code.

Invite your friends and family.

Copy and share your referral code.


Let's be friends.

There's always room for one more.

We love to see new faces and we think you’d really like it here. Open your account online or at any Lake Trust branch to start enjoying the benefits of being a member.

Join Us Now

1 National Credit Union Association. (2018, June 29). Comparison of Average Savings, Deposits and Loan Rates at Credit Unions (CUs) and Banks. Retrieved from

2Average annual car insurance savings by new policyholders surveyed.  Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage.

3No purchase necessary. Must be a Lake Trust Credit Union member to participate. Promotion and drawing restricted to Michigan residents 18 and older. Members referring a person who joins Lake Trust by November 30, 2018, receive a $20 deposit into their Membership Savings account after each new membership is approved and opened. Deposit to the existing member will be made within three (3) business days of new membership opening. Limit of five $20 deposits. From October 1 through November 30, 2018, members opening their membership with a promo code are automatically entered into a drawing where two (2) members will be randomly selected and each receive a $500 cash deposit to their account. For one free entry into the drawing: print name, address, age, telephone number, email address, and “Member Referral Program” on a 3”x5” index card. Send the card to contest sponsor Lake Trust Credit Union, Attn: Brand Development, 4605 South Old US Highway 23, Brighton, MI 48114. Drawing held December 14, 2018. Form available at and all branch locations. Chances of winning based upon the total number of entries received. For example, if 100 entries are eligible, chances are 1 in 100. Winners must complete a release form before $500 cash is awarded. For tax purposes, deposits and winnings reported as legally required. Member responsible for all applicable taxes. Lake Trust employees, Board/Committee members, and immediate family not eligible. To obtain a list of winners, write to above address. Subject to Michigan and federal laws. Void where prohibited by law.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.

© 2018 All rights reserved - Lake Trust Credit Union

Routing Number: 272078268

We’re going to be really close friends. Sign up today to become a member.