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Lakeshore Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
lakeshorefcu.com
800-330-6499
2182 Lakeshore Dr
Muskegon, MI 49441

Lakeshore Federal Credit Union is headquartered in Muskegon and is the 142nd largest credit union in the state of Michigan. It is also the 2,569th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 6 employees and 2,583 members at 1 location. Lakeshore Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Lakeshore Federal Credit Union offers membership to those who live, worship, attend school, or work in, and businesses and legal entities located in Muskegon County, Michigan.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters
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

Overall
NCUA #8709
Year Chartered1953
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2%
Annual Interest Income$423K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$42.9MM$39.8MM
LoansQ1 2025vs Q1 2024$13.6MM$13.6MM
DepositsQ1 2025vs Q1 2024$37.7MM$35MM
Equity CapitalQ1 2025vs Q1 2024$4.9MM$4.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$30K$20K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$10K$4K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Lakeshore Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Savings Account
0.10%$0-Christmas Club Account
0.10%$0-Vacation Savings Account

Lakeshore Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$50k*-Money Market Account
OTHER TIERS: 1.01% → $2k - $20k | 1.26% → $20k - $50k

Lakeshore Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$500-12 Month CD
3.55%$500-18 Month CD
3.09%$500-60 Month CD
3.03%$500-6 Month CD
2.93%$500-48 Month CD
2.88%$500-36 Month CD
2.83%$500-30 Month CD
2.78%$500-24 Month CD

Lakeshore Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$500-12 Month IRA
3.55%$500-18 Month IRA
3.09%$500-60 Month IRA
3.03%$500-6 Month IRA
2.93%$500-48 Month IRA
2.88%$500-36 Month IRA
2.83%$500-30 Month IRA
2.78%$500-24 Month IRA
Locations


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

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