Lake Michigan Credit UnionReviews of lmcu.org

When you think of a credit union you usually think of a local bank that cares about you. Not LMCU! I would not recommend ever getting a mortgage loan with them.

I'm contemplating switching banks. The support is AWFUL! LONG HOLD TIMES and nobody knows how anything works there! It's probably one of the most frustrating credit unions around. I went with them 20 years ago because they were small and local. Now they're just awful!

Awful experience. A complete waste of a month.Ups and downs and no then at the last minute denied the auto loan. Save yourself the headache.

I do not recommend using this bank at all! It has been HELL trying to get my mom access to her account. We moved from MI to TX and unfortunately my mom is an elder who is transitioning through dementia and is losing her memory. She can’t remember her log in credentials and every time we try getting help they are getting smart and saying I can’t talk in the background even though she’s giving permission for me to help her! I am working on getting power of attorney so I can handle everything for her but there’s a wait period for anything that has to do with helping seniors! We did the virtual meeting with this bank to help her get access to her online banking and because her drivers license didn’t have my new Tx address on it they wouldn’t help her. Mind you I’m steady telling them I can’t just switch her Id over! I have to get mail sent here and prove she has residence here before she can get a Texas id. Lastly I just found out because she doesn’t have a vehicle we have to get proof of that first too. Again it’s a process no matter what I have talked to different reps and each one acts like they hate their job and can’t help a senior citizen out who isn’t tech savvy! I can’t wait until she is able to completely be done with this credit union. Soon as her loan is paid off we are done!!!!!!!! I almost opened my business account with them because my mom has been with them for over 30yrs but I’m glad they showed how they do business! I have never ever had this much issues with navy federal. And trust me I have had to go through a lot when it comes to my business accounts, but nothing like this! If you are a senior citizen do not bank with them because they talk to you crazy when you can’t hear or understand correctly and you try telling them you have assistance and now they wanna catch attitudes as if you aren’t the one calling for help. If yall don’t like your job just find another one please!!!!!!!!!

Do not trust LMCU to know what they are doing when qualifying buyers for loan products. They are dishonest and unprofessional! When a lender approves a buyer for conventional loan then week of close date switch to MSHDA without seller being notified, then ask for extension #3, then 3 weeks later says The buyer doesn't qualify for MSHDA ? Like what the actual *****. What a scam! Buyers do not walk, run far from LMCU.

Poor app functionality, and horrible customer service. Honestly, it's a nice little company if you're local, but if you're going to heavily rely on the app or online support, do yourself a favor, and bank elsewhere!

Absolutely HORRIBLE, gave me a CPI charge even though I’m insured and have changed my policy to meet their requirements and they want ME to jump through all these hoops just to fix their mistake.

I have been a member for over 25 years and am having trouble with withdrawing $9,500.00 from my account, which has never happened before. Shawn Gallagher, the Alpine branch manager, has questioned me as to what I want to do with the money and consulted with the fraud department who are requiring documentation of the bills I want to pay with the money. Total BS! Since when is it their business what I do with MY money? Got some line about protecting members from fraud. Who appointed them judge and jury? This whole ordeal has cost been a waste of time, a violation of my rights and an invasion of my privacy. If this is how people who have been members for 25+ years are treated, BEWARE! Consider banking elsewhere.