Pay Less with Lake Michigan Credit Union

As a credit union, LMCU’s goal isn’t to generate profits for shareholders. It’s to improve the lives of their members. That’s why LMCU is rated #1 in the nation for Return of Member according to Callahan & Associates in December 2020.

Get started today by finding an authorized Michigan Saves contractor before you apply for financing.

Gray triangle
Gray triangle
Gray triangle
Gray parallelogram

Home Energy Loan Offerings*

Amounts Fixed Rate (as low as) Terms (months)
$1,000—$60,000 7.75% APR** Up to 180

*Rate, term, and loan amount vary based on market conditions and credit approval. Term includes monthly payments of principal and interest. There is no penalty for early repayment.
**APR = Annual Percentage Rate

Lake Michigan Credit Union Financing Features

Counties Served: All Lower Peninsula counties
Minimum Credit Score: 600+ (Experian–VantageScore V4)
Credit Approval: 120 days
Membership: $5 if not already a member
View FAQ


Phone: 616-900-1440
Email: [email protected]
Website: LMCU.org

  • Contacts applicants at time of approval to complete membership and sign loan documents
  • Contractor payment via ACH or mail

Real People, Real Stories, Real Results

Read how homeowners have found success using Michigan Saves financing for energy improvements.