Home Loans

¹ Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site’s privacy policies may differ from those of Lake Trust.

² $1,500 Closing Cost promotion is on purchase and refinance transactions and saves you $1,500 on the closing costs for your home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between September 1, 2025 and December 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 08/26/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.375% and an APR of 6.56% has a payment of $1,403.71 with 0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/laketrust/rates/. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes government loans, investment properties, home equity loans and HELOCs. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.

³ APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective October 13, 2025 and subject to change.

⁴ The HELOC annual percentage rate (APR) can change quarterly based on the value of an index. The maximum APR that can apply during the plan is 18% and the minimum APR that can apply during the plan is 4%.

⁵ The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

⁶ Members Home and Auto is an independent insurance agency and resident agency of the State of Michigan. Policies offered by Members Home and Auto are underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-112-21A0.

   Mortgage Center is an Equal Housing Lender, NMLS# 282701.