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Overview / Commentary
106 N Marketplace Blvd
Lansing, MI 48917-7753

LAFCU is headquartered in Lansing and is the 20th largest credit union in the state of Michigan. It is also the 415th largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 116 employees and 59,686 members at 9 locations. LAFCU has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Barry, Clinton, Calhoun, Gratiot, Eaton, Ingham, Jackson, Ionia, Livingston, Montcalm, or Shiawassee counties.
See current membership details

Reviews (1)

LAFCU is My Credit Union for my life!

Posted by: snabdul | Apr 7, 2015

I have been banking with LAFCU for 15 years, almost half my lifetime. I enjoy banking with them, I have financed three cars through LAFCU, I have taken out numerous personal loans too. I love walking in and after more than a decade people remember me and call me by name.
There was a time in my life when I paid for my car with a jar of change, I has two jobs and struggled. The employees saw my struggle ad knew how hard I was trying in life. They never gave me a hard time about the change I used to pay my bill.
I am so thankful for them.
LAFCU has made it possible for me to raise my credit score and I even started an account for my oldest daughter, soon enough my baby will have an account there too.
I appreciate being appreciated and being treated like a person and not an account.
My older daughter already has plans to finance her first car with LAFCU in order to build her credit too.
I do not plan on leaving LAFCU . I am very happy with my treatment there and the service I have received for the past 15 years.


Health Grade Components

NCUA #68632
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3.63%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$628.6MM$593.1MM
LoansQ2 2016vs Q2 2015$377.1MM$375.7MM
DepositsQ2 2016vs Q2 2015$548.1MM$511.6MM
Equity CapitalQ2 2016vs Q2 2015$72.3MM$68.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$3.4MM$3.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$3.8MM$5.3MM
Real Estate OwnedQ2 2016vs Q2 2015$690.00K$168.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

LAFCU Savings Account Rates

OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $20k | 0.15% $20k - $100k
0.20%*$100k*-Youth Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $20k | 0.15% $20k - $100k
0.05%--Holiday Club
0.05%--Bill Pay Plus
0.05%--Loan Transfer
0.05%--Special Purpose

LAFCU Money Market Rates

0.30%*$20k*-IRA Money Market Account
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $20k
0.30%*$20k*-HSA Money Market Account
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $20k
0.30%*$100k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $20k | 0.20% $20k - $100k

LAFCU Checking Account Rates

OTHER TIERS: 0.05% $2,500 - $10k


2.00%$10k-60 Month Jumbo Term Share Certificate
2.00%$10k-60 Month Jumbo HSA Certificate
1.90%$500-60 Month Term Share Certificate
1.90%$500-60 Month HSA Certificate
1.55%$10k-48 Month Jumbo Term Share Certificate
1.55%$10k-48 Month Jumbo HSA Certificate
1.45%$500-48 Month Term Share Certificate
1.45%$500-48 Month HSA Certificate
1.35%$10k-36 Month Jumbo Term Share Certificate
1.35%$10k-36 Month Jumbo HSA Certificate
1.25%$500-36 Month Term Share Certificate
1.25%$500-36 Month HSA Certificate
0.90%$10k-24 Month Jumbo Term Share Certificate
0.90%$10k-24 Month Jumbo HSA Certificate
0.80%$500-24 Month Term Share Certificate
0.80%$500-24 Month HSA Certificate
0.60%$10k-12 Month Jumbo Term Share Certificate
0.60%$10k-12 Month Jumbo HSA Certificate
0.55%$500-12 Month Term Share Certificate
0.55%$500-12 Month HSA Certificate
0.55%$50-12 Month Youth Share Certificate
0.30%$500-6 Month Term Share Certificate
0.30%$500-6 Month HSA Certificate
0.20%$500-3 Month Term Share Certificate
0.20%$500-3 Month HSA Certificate


2.00%$10k-60 Month Jumbo IRA
1.90%$500-60 Month IRA
1.55%$10k-48 Month Jumbo IRA
1.45%$500-48 Month IRA
1.35%$10k-36 Month Jumbo IRA
1.25%$500-36 Month IRA
0.90%$10k-24 Month Jumbo IRA
0.80%$500-24 Month IRA
0.60%$10k-12 Month Jumbo IRA
0.55%$500-12 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA

LAFCU Locations
Branch Office1720 W M 21Owosso, MI 48867
Branch Office1553 Lansing RdCharlotte, MI 48813
Branch Office12850 S US HIGHWAY 27Dewitt, MI 48820-8387
Branch Office750 N Cedar StMason, MI 48854
Branch Office1505 Kyle StEaton Rapids, MI 48827
Branch Office2665 E M 21Corunna, MI 48817
Branch Office106 N Marketplace BlvdLansing, MI 48917-7753
Branch Office1121 Keystone AveLansing, MI 48911
Branch Office2317 S US Highway 27Saint Johns, MI 48879