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LAKE MICHIGAN CREDIT UNION - 20 Reviews - Banks & Credit Unions - 3809 Lk Eastbrook Blvd SE, Grand Rapids, MI - Phone Number
I have been using LMCU for about 15 years, and I've never been happier with a bank or creditunion. I was fed up with constant fees and bad customer service, which is why I switched to them. In 15 + years, I've had 2 issues with them, and they actually worked with me to fix the problem - and even refunded fees I had been charged in the process! I'd say that about as good as it gets :)
I usually don't post reviews, but I was a little shocked by all of the negative ones on here - I've been super happy with them. I recently used them for a car loan, even though I found a rate that was a tiny bit lower - I feel their customer service is worth it.
(On a side-note, a lot of the negative reviews I read were because people aren't very good at managing their own money, so they blame the CU...geesh. Don't spend money you don't have, and you won't have to pay overdraft/courtesy fees - which you are made aware of from the very beginning! Remember all the info you received when you opened your account? You know, all that stuff you didn't read....)
We've made a huge mistake to apply and try to get a mortgage loan from them. Don't be fooled by their lower rates, that's only because they cant provide you with anything they're supposed to. We had to constantly run after them (David Rodriguez to be exact) to get updates (that's only if they respond to you) and after 60 days, we still can't close because the numbers are not correct. What a mess!
Warning to those considering LMCU for financing a mortgage: reconsider! LMCU has singlehandedly and carelessly destroyed our carefully coordinated plans for moving & closing. When we started the mortgage process, we had a closing date of 5/13. This did not change, until LMCU dropped the ball. We coordinated a number of services on day of close to be done prior to our movers bringing our belongings: cable and internet hookup, someone to run a gas line for gas stove, delivery and installation of 3 appliances, and someone to drill a hole for water filtration system in our granite countertops. The morning after close, we coordinated our movers. 36 hours before our appointment to close, LMCU informed our realtor that we'd have to push back the date of closing, by one day. To add insult to injury, our LMCU loan officer didn't even notify us, our realtor had to. LMCU then had the audacity to expect us to pay $175 for a notary to meet us to finalize the closing in another location since they changed the closing date 36 hours before our appointment. My husband and I have been members at LMCU for 5 years, and this is our second mortgage with them. We expected more. We will NEVER entrust our stability and plans with LMCU again, nor will we trust LMCU with our money or our livelihood moving forward. Their core philosophy: "It has always been about doing what's best and right for our members. It guides everything we do." It is evident on upon our recent interaction, that this is on no way, the philosophy by which they do business; and if I'd known how little they would care about the impact his has on our situation, the lack of respect to even communicate it to us directly, and the refusal to assume any responsibility for the cost of the notary, we would have looked elsewhere. Consider yourselves warned.
Customer service is horrible with online bill pay. Would not recommend LMCU. I have been with them since 2015 and am ready to change banks. I've had enough of poor customer service. I have been on hold for 30 minutes. Tried a chat, but my banking session timed out before I could get my answer since they spent 15 minutes verifying my identity. Crazy.
DO NOT USE THEM ! I wish I would of looked up reviews on them before getting the mortgage process started with them, they leave you in the dark and never respond to you emails, calls, texts. They take FOREVER with thete closing process, before we started they said 30 days and its been almost 50! I still haven't closed and its driving me insane. Seriously I NEVER write reviews but this bothered me so much I have to keep everyone away!
My mother wanted a low interest rate card from here and applied with a 826 credit score. However, after the underwriter received her DL all of a sudden she was denied. We are talking about someone with excellent credit across all three credit bureaus and has higher limit credit cards. I'm writing this review because now it seems as if the credit unions are arbitrarily denying people with great credit histories. I would not dare go through a creditunion nowadays, who runs your credit and still requests several personal documents only for the underwriter to pick and choose. Never been denied with big credit card companies! I just think it sucks because back in the day the credit unions were the ones to go to but now they are worst than the big banks. No thank youLakeMichiganCreditUnion!!!
We'd found their high-rate Money Market account and since they bought a bank in Lee County FL, we qualified as members. We wanted the account to simply be a savings account and planned no meaningful activity or withdrawals. I'd planned to deposit two checks 'on them' from a family friend who is a customer of the bank they bought.
I initially phoned the branch on Bonita Beach and spoke to someone who had poor English skills and couldn't answer a single question. So I then phoned Michigan to get info and was told they'd love to have us. I explained there was an old bankruptcy and was told as long as it has been discharged, it isn't a problem. (Remember - this is for a deposit account, NOT a loan.) I went through the lengthy application process. Two weeks later, still nothing from them. I phoned and they requested photos of our ID, SS cards front and back, which I sent. They said they'd have everything done in a few days. Then nothing AGAIN. I finally phoned and they said they'd "give me a decision" the next day. Decision? It's a DEPOSIT ACCOUNT. BTW, we've NEVER EVER bounced a check.
They dinged my credit report. Then they declined opening the account. Then I found that their advertised rate isn't really as it seems. It is only on the first $15,000 and I was going to put $30,000 in the bank.
Now? I'd never ever do business with these people. They lost $30,000 in deposits when I deposited the two checks 'on them' into the Capital One 360 account I opened in 5 minutes!!! AND Capital One was paying a cash bonus of $200 on top of their interest rate which is really good.
Don't waste your time with these no-service people.
If you overdraft your account, they offer"courtesy fees" where they charge you 30$ each time you make a transaction regardless of the amount. They charged 60$ in fees for overdrafting 11$.
They take forever to process personal checks. I deposited a large personal check and they made me wait a week and a half to clear it. I spoke with customer service to ask for it to be expedited and the customer service was horrible. They act like a creditunion is better than a bank, but they aren't.
Loaners beware, I am very dissatisfied with the treatment I have received from lmcu. I called and was told that because I was dealing with a dealership that was affiliated with them that I could do my loan through them and that was a bunch of bull,found out that the dealership came back to tell me that my would be treated like I was a green horn new car buyer. I told them I was a member of this c.u for over 40 years My loan would be charged 13.5% . The thing that pisses me off the most is I always have made all my bills on time and to get treated like this is bulls#@t.Ok I go to the lmcu Corp office to seek a answer , they come up some one will call you . I get some crap about you kept your nose clean paid your bills off but they go 3 credit bureau's and you've had no loans for a couple of years and they see that you have to be charged extra percentage because of this crock of*&^%. What happened to knowing your customers and checking your history of your past loans that had with for the past 40 years. Well I went to one of the mill of banks out there and got a loan for a 4.2% and this bulls%^@ paid off before they could get a dime extra that they had not did anything to get it. Really makes me think if I should keep my other money's there. I have to tell you I very dissatisfied the way the have fallen into kind of business tactics. So just beware!!!!!!!!