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Overview / Commentary
2182 Lakeshore Dr
Muskegon, MI 49441-1414

Lakeshore Federal Credit Union is headquartered in Muskegon and is the 174th largest credit union in the state of Michigan. It is also the 2,958th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 5 employees and 2,794 members at 1 location. Lakeshore Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school, or work in, and businesses and legal entities located in Muskegon County, Michigan.
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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. Lakeshore Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8709
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD2.98%
Annual Interest Income$744.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$28.7MM$27.1MM
LoansQ4 2017vs Q4 2016$11.4MM$10.4MM
DepositsQ4 2017vs Q4 2016$24.3MM$22.9MM
Equity CapitalQ4 2017vs Q4 2016$4.2MM$4.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$51.00K$50.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$43.00K$16.00K
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.

Lakeshore Federal Credit Union Savings Account Rates

0.10%--Savings Account
0.10%--Christmas Club Account
0.10%--Vacation Savings Account

Lakeshore Federal Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.35% $2k - $20k | 0.45% $20k - $50k

Lakeshore Federal Credit Union CD Rates

2.02%$500-60 Month CD
1.71%$500-48 Month CD
1.51%$500-36 Month CD
1.21%$500-24 Month CD
1.21%$500-30 Month CD
0.85%$500-12 Month CD
0.85%$500-18 Month CD
0.70%$500-6 Month CD

Lakeshore Federal Credit Union Locations
Branch Office2182 Lakeshore DrMuskegon, MI 49441-1414