At Lake Trust, your health, safety, and wellbeing are our top priorities. As we monitor news about COVID-19 (coronavirus), we are committed to taking precautions that will safeguard the health of our members and team members. This includes modifying branch and video teller hours. Our Contact Center is also available Monday - Friday from 10 AM to 3 PM and Saturday from 10 AM to 1 PM by calling 888.267.7200.
There are nearly 30,000 CO-OP ATMs nationwide where you can withdraw cash from your Lake Trust savings or checking account free of charge. The drive-thru lanes at most of our branches are still open during our updated business hours, and you can withdraw cash at any Lake Trust ATM or video teller machine. Don’t forget you can also transfer funds between your accounts in Online Banking and Mobile Banking. You can also handle many transactions by using a Lake Trust debit card or credit card to reduce the need to withdraw cash.
You can request specific denominations at the drive-thru, or if you're near one of our video teller machines, you can use the video teller option to request specific denominations. Video teller services are available Monday - Friday from 10 AM to 3 PM and on Saturday from 10 AM to 1 PM. Learn more about our new video tellers.
You can deposit cash or checks through any of our ATMs or video teller machines. And you can still use the drive-thru during our normal business hours as well. If you're depositing a check, check out the mobile deposit option within our Mobile Banking app.
If you don’t need a new card right away, we can issue you one over the phone and it will arrive in approximately 7 to 10 days. If you have a more urgent need, we can overnight it or we can issue you a new card at our drive-thru at our available local branches.
This limitation has been in place to comply with a federal regulatory requirement (also known as Regulation D). Every bank or credit union is required to restrict electronic transfers from savings or money market accounts to six each month. However, during this unprecedented time which may impact your financial needs, we have removed the limit on electronic transfers from saving and money market accounts until further notice. This change went into effect on Monday, March 16.
You can make your loan payment online. You can also click on the loan from your accounts page in Online Banking and transfer funds from your Lake Trust checking or savings account. If you’re not able to make a payment online, please give us a call during business hours at 888.267.7200 and we’ll be happy to help.
There are nearly 30,000 CO-OP ATMs and shared branches nationwide where you can withdraw cash from your Lake Trust savings or checking account free of charge. If you visit a shared branch, make sure you bring a valid ID and your account number.
Effective March 24, our Contact Center is available Monday thru Friday from 10 AM-3 PM and Saturday from 10 AM-1 PM. We will resume our normal hours at a later date.
Lake Trust branches will operate with the following schedule until further notice. Appointments at open branches can be made for critical needs only by calling 888.267.7200. Drive-thru and video teller service will also remain open as indicated below.
Outside ATMs at all locations, including closed branches, will still be available 24/7.
|Ann Arbor – Packard||2222 Packard St., Ann Arbor||N/A||CLOSED|
|Ann Arbor – Stadium||2180 W. Stadium Blvd, Ann Arbor||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Auburn Hills||2550 N Squirrel Rd, Auburn Hills||N/A||CLOSED|
|Brighton||8661 W Grand River Ave, Brighton||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Brighton – Charrington Square||5715 Borderline, Brighton||N/A||Standalone drive-thru video teller*|
|Center Line||7350 Bernice, Center Line||Mon - Fri 10 AM - 3 PM||By appointment|
|Chelsea||1170 S. Main St., Chelsea||N/A||CLOSED|
|Detroit – DTE||One Energy Plaza, Suite 230, Detroit||N/A||CLOSED|
|Detroit – Woodward||6505 Woodward Avenue, Detroit||N/A||Branch CLOSED
Walk-up video teller*
|DeWitt||12750 Escanaba Dr, DeWitt||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Dimondale||8420 Billwood Highway, Dimondale||N/A||CLOSED|
|East Lansing||1300 W. Lake Lansing Rd, East Lansing||N/A||CLOSED|
|Grand Haven||17350 Robbins Rd, Grand Haven||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Hastings||209 N. Church Rd, Hastings||Mon - Fri 10 AM - 3 PM||By appointment|
|Holland||3370 West Shore Drive, Holland||N/A||Branch CLOSED
Drive-thru video teller*
|Howell – Grand River||4465 E. Grand River Ave., Howell||N/A||Branch CLOSED
Drive-thru video teller*
|Howell – Highland||228 W. Highland Road, Howell||Mon - Fri 10 AM - 3 PM||By appointment
Drive-thru video teller*
|Lansing – Capitol||501 S. Capitol Ave., Lansing||N/A||CLOSED|
|Lansing – South Lansing||6440 S. Pennsylvania Ave, Lansing||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Lansing – W. Saginaw||7007 W Saginaw Hwy, Lansing||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Mt. Pleasant||1011 N. Harris St, Mt Pleasant||Mon - Fri 10 AM - 3 PM||By appointment|
|Okemos||1821 Newman Rd, Okemos||Mon - Fri 10 AM - 3 PM||Drive-thru or by appointment|
|Plymouth||190 W. Ann Arbor Road, Plymouth||N/A||Branch CLOSED
Drive-thru video teller*
*Video teller service is available Monday thru Friday from 10 AM – 3 PM and Saturday from 10 AM – 1 PM.
Making an appointment will allow a team member to assist you during branch hours. We'd appreciate as much notice as possible. Right now, we aren't limiting the length of appointments, as we want to make sure we take care of all of your needs. Give us a call at 888.267.7200 if you need to make an appointment.
Our video teller machines are located in Brighton, Detroit, Howell, Holland, and Plymouth. You can find all branch locations, ATMs, and video teller machines on the Locations page on our website. At this time, video teller service is available Monday thru Friday from 10 AM to 3 PM and Saturday from 10 AM to 1 PM.
With rapid changes due to coronavirus across the country, we cannot ensure that specific shared branch locations will remain open or available. We recommend contacting individual locations before going there in-person. You can search for a shared branch on our Locations page, which also provides a phone number to contact the branch.
For many of our loans, you can apply online. Please visit the ‘Lending’ section of our website to learn more about each loan type. You can also apply for most loans over the phone by calling us at 888.267.7200.
Head over to our Online Banking enrollment page to create a new Online Banking account. You’ll need your account number (found on your statement) and the last four digits of your Social Security number to sign up. If you need help, give us a call at 888.267.7200.
University Accounting Service (UAS) is the loan servicer for your account. Visit the UAS website for 24/7 access to view your student loan account information or to make payments. If making a payment by mail, please send your check to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.
The U.S. Small Business Administration (SBA) is now offering low-interest, fixed-rate Economic Injury Disaster Loans (EIDL). Learn more1 about how you can apply for this assistance. We recommend you apply early. The SBA has also provided a summary for additional understanding. If you would like to talk to someone to help you determine if this loan is right for your business, you can connect for free with a Michigan Small Business Development Center (SBDC) Business Consultant1.
Another resource you should consider is your local Chamber of Commerce. Many Chambers are setting up COVID-19 web pages for small businesses, and may have additional information regarding other tools, services and financial opportunities that might be available to you.
More resources and information for small businesses are available from Score’s website1. Score is the nation’s largest network of volunteer, expert business mentors.
Additional resources and tips on managing your business during this time can be found from these websites: Michigan Economic Development Corporation1 (MEDC) and the Michigan COVID-19 Business Response Center1.
You can use the “Forgot Password” link if you know your login but forgot your password. If you’re locked out or still need help logging in, give us a call at 888.267.7200.
For questions regarding your business account, please contact us at the following:
Our video teller machines handle deposits, withdrawals, and most typical transactions. The only things video teller machines cannot process are coin orders and cashier’s checks.
In order to protect our team members and our members during this outbreak, our branch lobbies are closed for general transactions. Our Contact Center is able to process wires; please call them at 888.267.7200. If you have a critical need that cannot be completed through Mobile Banking, ATM, video teller machines, Online Banking, or the Contact Center, please make an appointment by calling our Contact Center at 888.267.7200.
You may be eligible to apply for Michigan's Work Share program. The program allows you to keep your employees working with reduced hours, while employees collect partial unemployment benefits to make up a portion of the lost wages. For more information and to apply visit michigan.gov/leo.
If you have a mortgage with us and are experiencing a financial hardship during this crisis, our partner, Mortgage Center, is ready to help you. You can get in touch with one of their Solutions Specialists by calling 800.353.4449.
If you or your business have been financially impacted by coronavirus, please know that we’re here to help. You may be eligible to skip your loan payment. Choose the ‘Skip A Pay’ option in Online Banking or give us a call at 888.267.7200 to see if you qualify. There is no fee for you to skip your payment at this time. For other ways that we can help, give us a call or send us a secure chat message in Online Banking and we can explore different options on an individual basis.
We can also work with you to explore options that may help to ease the financial impact of an unexpected income disruption. Please call us or send us a secure chat message in Online Banking if you need assistance.
Yes. Effective March 30, if you have either a savings account or line of credit set up as overdraft protection for your consumer checking account, we are currently waiving the $5.00 processing fee for any transfers.
Effective March 31, the following monthly low balance fees for consumer accounts will be temporarily suspended:
Our partner, GreenPath Financial Wellness, can provide counseling free of cost. GreenPath is a national nonprofit organization that provides financial advice, education, and products to empower people to lead financially healthy lives. Their counselors can assess your financial picture and identify options that may relieve stress.
If you have questions regarding your student loan account, or have been impacted financially due to coronavirus and need to discuss repayment options to keep your account in good standing, please call Student Choice at 800.723.2210 to speak with a servicing agent.
See the most up-to-date information on the spread of the virus here:
The state of Michigan has a coronavirus hotline for questions: 888.535.6136. It is open seven days a week from 8 AM to 5 PM.
Many school districts across the state are offering free breakfast and lunch pick-up for children in need. Please contact your local school district via social media or their website for more information. Comcast and AT&T are offering free access to public Wi-Fi hotspots. Both companies are also providing 60 days of free basic internet service to low income families.
We all need to do our part to not to overwhelm hospitals. You can take small actions to make a big difference, like:
To reduce the number of visits to the ATM or drive-thru, please consider using your Lake Trust debit card for purchases.
The American Red Cross is currently experiencing a critical blood shortage. If you are able and interested, please consider making an appointment to donate.
Remember to continue supporting local businesses and restaurants by ordering take-out or by purchasing gift cards. Many businesses are also asking customers to pay with a debit or credit card to minimize cash handling. Above all, stay safe and healthy!
Keeping our members and team safe during the COVID-19 pandemic remains a top priority. As you know, we’ve made tough (but necessary) decisions to adjust to our daily operations over the past few weeks. One easy decision, however, was the choice to temporarily suspend some of our most common fees in an effort to financially help you and your family.
We’re Here to Help
If you have been financially impacted by coronavirus, please know that we’re here for you. We’ve suspended a few of our fees to help reduce any financial stress you may be feeling:
We understand that a sudden change in employment status may bring feelings of stress or confusion. Our low-rate Life Impact Loan was created to help you out if you’re unexpectedly out of work. If you think this option is right for you or for other ways that we can help, give us a call or send us a secure chat message in Online Banking. We’re happy to explore different options on an individual basis.
Making the Most of a Stimulus Check
At the end of March, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This Act will hopefully provide financial relief to individuals, families, and businesses who have been impacted by the coronavirus pandemic. As a result of this Act, you may see a stimulus check in the mail or direct deposited to your account in the coming weeks (depending on eligibility).
If you think you’re eligible for this payment, how do you plan to make the most of this money? We have a few tips in our simple step-by-step guide if you need ideas.
Ongoing Branch and Account Access
To limit in-person exposure, we modified our branch accessibility and hours. At this time, over half of our branches across Michigan remain open.
If you need cash, remember that you can always visit 30,000 fee-free CO-OP ATMs, our Video Teller Machines, or our drive-thru. We have plenty of digital options for your daily financial transactions too:
Our Contact Center is available Monday thru Friday from 10 AM to 3 PM and Saturday from 10 AM to 1 PM. Give us a call at 888.267.7200 if you have any questions or concerns. For the most up-to-date information and answers to frequently asked questions, please visit this page regularly.
Stay safe and healthy,
President & CEO
As you are probably aware, Governor Whitmer announced a “Stay at Home, Stay Safe” Executive Order this morning in response to the rising number of COVID-19 (coronavirus) cases in our state. Under this order, residents are to stay home and work remotely and businesses are to refrain from in-person services unless they are designated as an “essential” business.
Lake Trust is considered an essential business for our communities, and we will continue to remain open to help you and other members navigate this uncertain environment. For the ongoing safety and wellbeing of our members and team members, we continue to evaluate our operations throughout this time; and have made additional adjustments.
Effective Tuesday, March 24, the following branches will have reduced hours with drive-thrus open Monday thru Friday from 10 AM-3 PM and closed on Saturday. Branch lobbies at these locations are still available during these hours by appointment-only for critical needs.
The remainder of our branches will temporarily close, though outdoor video teller machines and ATMs will still be available.
Our Contact Center and video teller service at our video teller machines will also be available during reduced hours: Monday thru Friday from 10 AM-3 PM and Saturday from 10 AM-1 PM.
We also want to address some of the concerns that you’ve shared with us. You can find additional answers to your frequently asked questions above.
Your Money Is Safe
You may have other worries right now, but you don’t need to worry about the safety of your money. Your deposits at Lake Trust are federally insured for a minimum of $250,000 by the National Credit Union Association (NCUA). And, Lake Trust is considered well-capitalized by our regulators. We undergo regular exams every year and report our strong financial condition quarterly, with our most recent report showing our December 31, 2019 results.
You Always Have Access To Your Accounts
Remember that you can access your accounts anytime with these options.
Choose Plastic Over Paper
Please use your digital wallet, debit, or credit card when making purchases. This can reduce the need for cash and also provides additional purchase protection. If you want to add your Lake Trust cards to your digital wallet, now would be a great time to do so.
Help With Loan Payments
If you’re unable to make your loan payment this month, you may be eligible for Skip-A-Pay. Log in to Online Banking or call us at 888.267.7200 to see if you qualify. For mortgage assistance, please call Mortgage Center at 800.353.4449.
We understand that the unprecedented financial and public health changes over the past two weeks are stressful. If you’ve been financially impacted, please don’t hesitate to reach out to us. We’re committed to supporting our team, you, and your family during this difficult time.
If you have any questions, concerns, or need to make an appointment to visit a branch lobby, please give us a call. For the most up-to-date information and answers to frequently asked questions, please visit this page regularly.
Stay safe and healthy,
President & CEO
As we monitor news about the coronavirus outbreak, we’re taking further precautions to safeguard the health and wellbeing of our members and team members. In response to the pandemic, we’ve made the difficult decision to temporarily close our Dimondale, Packard, and DTE branches starting Monday, March 23. All of our other branch locations will continue to be available by appointment-only for your critical needs. Our drive-thrus will remain open during our normal business hours as well.
As we move through these unprecedented times together, we’ll be continually evaluating how to keep members and team members safe and healthy, while ensuring we’re meeting your needs. You can find additional updates and answers to your most pressing questions above.
If you frequently visit our Dimondale, Packard, or DTE branches, here are nearby branches that you can visit to use drive-thru or video teller machine services. If you have a critical need and would like to make an appointment at one of these branches, please call 888.267.7200.
Dimondale: Please visit our branches at 6440 S. Pennsylvania Ave. or 7007 W. Saginaw Highway
Packard: Please visit our other Ann Arbor branch at 2180 W. Stadium Blvd
DTE: Please visit our Detroit Woodward branch at 6505 Woodward Ave
We’d also like to encourage you to consider these additional convenient ways to conduct your day-to-day financial transactions:
If you or your business have been financially affected by recent events stemming from coronavirus, remember that we’re here to help. Please reach out to us or send us a secure chat message in Online Banking if you need assistance. We can explore options that may help to ease the financial impact of an unexpected income disruption.
The health and safety of our team and our members remain our top priority. If you have any questions, concerns, or need to make an appointment to visit a branch lobby, please give us a call at 888.267.7200. For the most up-to-date information and answers to frequently asked questions, please visit this page regularly.
Stay safe and healthy,
President & CEO
The wellbeing and safety of our members and team members are our top priorities and will be at the heart of every decision we make. As the COVID-19 (coronavirus) situation in Michigan is quickly changing, we have decided to make our branches accessible by appointment only for critical needs until further notice. You can make an appointment by calling our Contact Center at 888.267.7200 from 7 AM to 7 PM Monday – Friday and 9 AM to 1 PM on Saturday.
At this time, your cash needs can be handled by using our ATMs, Video Teller Machines, or drive-thru lanes. We also encourage you to use our online services to continue your day-to-day financial transactions:
We sincerely apologize for any inconvenience this may cause and we will continue to provide updates as needed.
Stay safe and healthy,
President & CEO
At Lake Trust, your health, safety, and wellbeing are our top priorities. Just like you, we are closely monitoring the news about COVID-19 (coronavirus). We are committed to taking the necessary steps to ensure the safety and health of our members, team members, and communities.
With the news yesterday of confirmed cases in Michigan and the World Health Organization announcement of the global pandemic status, we are enacting additional sanitation procedures in all high-touch areas. We are also limiting visitor access to our Headquarters building and monitoring our team members’ travel. In addition, we continue to evaluate other actions to safeguard the health and safety of our members and team members.
At this time, our branches are fully operational and continue to maintain regular business hours to help you. We’d like to encourage you to consider these additional convenient ways to conduct your day-to-day financial transactions:
If you have been financially affected by recent events stemming from coronavirus, remember that we’re here to help. Please reach out to us or send us a secure chat message in Online Banking if you need assistance. We can explore options that may help to ease the financial impact of an unexpected income disruption.
Your security remains a top priority for us as well. Please remember that we will never ask you to provide confidential information, such as Social Security numbers or account numbers, by phone or email. Please visit our blog for security tips and financial safety information. If you suspect that you’re a victim of fraud or if you receive suspicious communications, please contact us at 888.267.7200.
For additional information relating to coronavirus, please see these resources:
We will continue to diligently monitor the situation and review the guidance from our local, state, and national authorities to assure we’re following best practices. If any changes to our operations are necessary, we’ll communicate via email and our social media channels on Facebook, Twitter, and LinkedIn.
Stay safe and healthy,
President & CEO