The power of $99.
Get a mortgage to purchase with just
$993 in origination fees.

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$99 opens new doors.

Looking for a new home? Dreaming of an upgrade? Look no further. For just $993, you can get a mortgage. That's a savings of $1,1012! And it only takes about 15 minutes to apply.

Plus, you'll be helping your community. When you get a mortgage with Lake Trust and Mortgage Center, we'll donate $994 to a housing nonprofit through our partnership with the Lake Trust Foundation.

Let's get that home. And let's help our community. That's the power of $99. 


Through 2023, our members have helped us donate


to Michigan housing nonprofits. That's the power in all of us.

2023 Giveback recipients:



2022 Giveback recipients:

Giveback 2022 2


2021 Giveback recipients:

Habitat for Humanity of Michigan • Southwest Solutions
Grand Haven Area Community Land Trust • Recovery Advocates in Livingston
AYA Youth Collective • Haven House • Resilience: Advocates for Ending Violence
Community Catalysts • Community Action House • Love in Action Shelter of Flint


2019 Giveback recipients:

Lighthouse • SOS Community Services • Holland Rescue Mission Shelterhouse


2018 Giveback recipients:

Humble Design • The City Rescue Mission of Lansing
Isabella County Restoration House • LACASA
Shelter Association of Washtenaw County • Love in Action

The power in simplicity.

Easy Checking Account5

  • No minimum balance
  • Free online & mobile banking
  • No monthly service fee
Personalized Home Insurance.6

Customize your coverage based on your budget and needs. 


1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site’s privacy policies may differ from those of Lake Trust.

2 $99 origination fee is available when you apply for a new purchase with Mortgage Center from September 5, 2023 through March 31, 2024 and saves you $1,101 off the current administration and underwriting fees on your closed home loan.

3 $99 fee is available for a limited time. Mortgage amount must be between $40,000 and $726,200 to be eligible. Mortgage rates current as of 8/17/2023 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 780. A loan amount of $200,000 at an interest rate of 7% and an APR of 7.129% has a payment of $1,331.23 with 0 point due at closing. The payment does not include property taxes or insurances, the actual payment will be higher. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Offer applies to Residential First Mortgages financed with Mortgage Center and excludes Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, Home Equity Loans and Lines of Credit.

4Apply for a new purchase with Mortgage Center from September 5, 2023 through March 31, 2024, and $99 will be donated by Lake Trust in collaboration with the Lake Trust Foundation after closing to a Michigan non-profit organization focused on housing and shelter. The Lake Trust Foundation is a registered 501(c)(3) organization EIN: 45-5332078

5Lake Trust membership is required and is federally insured by the NCUA.

6The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21AO.