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Overview / Commentary
350 N Park Blvd
Lake Orion, MI 48362-3150

Lakes Community Credit Union is headquartered in Lake Orion and is the 108th largest credit union in the state of Michigan. It is also the 1,636th largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 22 employees and 10,174 members at 3 locations. Lakes Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Macomb, Oakland, St. Clair, Lapeer, or Genesee Counties in Michigan.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lakes Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #62170
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$94.8MM$90.5MM
LoansQ4 2017vs Q4 2016$66.7MM$55.2MM
DepositsQ4 2017vs Q4 2016$83.9MM$79.7MM
Equity CapitalQ4 2017vs Q4 2016$10.2MM$10.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$381.00K$334.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$654.00K$1.1MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lakes Community Credit Union Savings Account Rates

0.05%--Regular Share
0.05%--Special Savings
0.05%--Christmas Club

Lakes Community Credit Union Money Market Rates

0.25%*$25k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k

Lakes Community Credit Union CD Rates

0.75%$1k-36 Month CD
0.50%$1k-24 Month CD
0.25%$1k-12 Month CD
0.10%$1k-6 Month CD
0.05%$1k-3 Month CD

Lakes Community Credit Union Locations
Branch Office13643 23 Mile RdShelby Township, MI 48315-2906
Branch Office350 N Park BlvdLake Orion, MI 48362-3150
Branch Office4770 Dixie HwyWaterford, MI 48329