Skip to main content

Welcome to Lake Trust.

New Branch Member Webpage-Header-1200x630

Everyone has a powerful story.

Each of us has a powerful story. Our goals. Our dreams. Together, the story becomes even more powerful. As a new member of the Lake Trust community, we can’t wait to watch your story unfold.

Meet Lake Trust.

Meet Lake Trust.

For nearly 80 years, Lake Trust has been a purpose-driven credit union with a widespread presence in Michigan. We help our members achieve financial wellbeing. We create a positive impact in our communities through the Lake Trust Foundation, philanthropic efforts, volunteerism, and more. But we can’t do it alone. Thank you for joining our mission to unleash the power in all of us.
New Branch Member Webpage-Meet LT Switchback- 515x376

Meet members like you.

Lake Trust members can be found across the state of Michigan. Meet a couple of them.

Laura Website Cross Sell

Meet Laura.

Laura is a popular content creator known for her cozy, calming videos inspired by daily life in her hometown.

watch her story
Website Jeremy Cross Sell

Meet Jeremy.

Jeremy is an artist and business owner in Ann Arbor who is helping people discover their creativity.

watch his story

What is available to you?

Start exploring the tools and benefits available to you as a Lake Trust member.

Sign up for Online Banking.

Visit the Online Banking page

Enter your membership and personal information

Enjoy simple access to your funds

Download the Lake Trust mobile app.

Navigate to the App Store or Google Play Store

Download the app

Easily manage your account, transfer funds, make payments, or deposit checks from your device

Set up E-Statements.

Sign in to Online Banking

Click the “E-Statements” option under Account Management at the top of the menu.

Choose “Stop paper statements” and fill out a short form

Save time and prevent paper waste

Find a loan that meets your goals.

Find a loan that meets your goals.

Powerful loans are available for all of your goals — and many help support our community giveback initiatives. As a member, it’s easy to see options and apply directly online.

•  See vehicle loans

•  See home loans

• See personal loans

• See student loans

New Branch Member Webpage-Loan Switchback- 515x376

Add your card to a digital wallet.

Add your card to a digital wallet.

Use your Lake Trust debit or credit card right from your mobile device. Learn about the security features of using a digital wallet.

Make sure to add your Lake Trust card as your preferred payment for any subscriptions or automatic payments, like:

  • Netflix/Hulu/Other streaming services
  • Utility payments
  • Instacart/Shipt/Grocery store pick-up
  • Chewy
  • Amazon
  • Hello Fresh/Blue Apron/DoorDash 
digital-wallet-570x470

Find an ATM or video teller.

Find an ATM or video teller.

You can access over 30,000 surcharge-free ATMs across the country to get cash, check your balances, or transfer funds. See a full map of ATMs or learn more about video teller machines and locate a video teller near you.

New Branch Member Webpage-ATMVideoTeller Switchback- 515x376

Make an impact with the Lake Trust Foundation.

Make an impact with the Lake Trust Foundation.

Through partnerships, outreach programs, grants, and support for underserved individuals, the Lake Trust Foundation builds and sustains stronger communities.

learn more
Lake Trust Foundation-1

Meet Lake Trust Financial Life Planning.

Meet Lake Trust Financial Life Planning.

All of us have the power to create a better future for ourselves and our loved ones. Lake Trust Financial Life Planning can customize your path forward and develop investment strategies that support your long-term goals.

learn more
New Branch Member Webpage-FLP Switchback-515x376

Frequently asked questions about being a member.

How does a credit union work?

At a credit union, every member is an owner. When you opened your Lake Trust account, you made a $5 deposit to your Membership Savings account. This deposit acts as your “share” of the credit union. You have voting rights on issues that impact our organization. And you’re welcome to attend our annual meeting to learn more about how Lake Trust is making a positive impact in Michigan. Unlike shareholder-owned banks, a credit union reinvests its income each year to improve the member experience. 

What does it mean to be a Lake Trust member?

Your Lake Trust membership makes you a part owner of Lake Trust. As a Lake Trust member, you have access to competitive loan and savings rates, retirement assistance through Financial Life Planning, small business support, and so much more. Reach your next milestone by working with a team focused on your financial wellbeing who is excited to see you succeed.

When will I receive my debit card?

Your debit card will typically arrive in 7–10 business days at the address provided in your membership application. After you get your card and activate it, don’t forget to update any subscriptions or automatic payments that may have been associated with an old card.

Will I receive paper statements?

Yes, you will receive paper statements unless you specifically choose paperless/electronic statements. You can sign up for E-Statements in Online Banking by choosing the “E-Statements” option under Account Management at the top of the menu. Note: there is a $2/month fee if you choose to continue receiving paper statements.

Where can I find current fees and rates?

Visit our personal account rates page or business account rates page for our most current rates. Our personal fee schedule page and business fee schedule page list our fees.

Does Lake Trust offer resources to support my financial wellbeing?

We have several resources to help you on your financial wellbeing journey, like:

  • Financial Wellbeing Library: Browse articles about popular financial topics and answers to questions we often hear.
  • Calculators: Set your plan in motion with calculators that can help you align your budget and goals.
  • Knowledge Hub: Find the answers to frequently asked questions.

Where can I go if I have questions or need help?

For any additional questions, feel free to check our FAQ page. Or connect directly with our team:

Contact us or find a relationship center.

Contact us or find a relationship center.

To speak with a Lake Trust team member, please visit a relationship center near you or access our contact form. 

FIND A LOCATION
contact-us-570x470

Read stories from members like you.

see stories

Make the most of your account at Lake Trust.

How to switch your direct deposit.

Starting or switching your direct deposit is easy to do and only takes a few minutes.

SEE HOW

How to switch your financial institution.

View a step-by-step guide on how to move your funds to Lake Trust.

GET THE GUIDE
Forbes 2025 Best-In-State Credit Unions

Lake Trust is honored to be a Forbes Best-In-State Credit Union.

You are now leaving the Lake Trust 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.

Stay on laketrust.org