--- title: "Lakeshore Credit Union Rates - Michigan" description: "Current vehicle loan, heloc, and personal loan rates from Lakeshore Credit Union in Michigan. Updated daily with source verification. See who can join Lakeshore Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/lakeshore" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lakeshore Credit Union Rates - Michigan ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Autos, Motorcycles, RV's 24 MTHS** motorcycle_any_24mo | — APR | 3.990% | 24 mo | Standard | | **Autos, Motorcycles, RV's 36 MTHS** motorcycle_any_36mo | — APR | 4.240% | 36 mo | Standard | | **Autos, Motorcycles, RV's 48 MTHS** motorcycle_any_48mo | — APR | 4.490% | 48 mo | Standard | | **Autos, Motorcycles, RV's 60 MTHS** motorcycle_any_60mo | — APR | 4.740% | 60 mo | Standard | | **Large RV's - Over $50,000 72 MT** rv_any_72mo | — APR | 4.990% | 72 mo | Standard | | **Autos, Motorcycles, RV's 72 MTHS** motorcycle_any_72mo | — APR | 4.990% | 72 mo | Standard | | **Large RV's - Over $50,000 84 MT** rv_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Autos, Motorcycles, RV's 84 MTHS** motorcycle_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Large RV's - Over $50,000 120 MT** rv_any_120mo | — APR | 5.740% | 120 mo | Standard | | **Large RV's - Over $50,000 180 MT** rv_any_180mo | — APR | 6.240% | 180 mo | Standard | Lakeshore Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.880% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.140% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.390% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.640% | — | Standard | Lakeshore Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 7.990% | 36 mo | Standard | | **24-Month Signature Loan** personal_unsecured_24mo | — APR | 7.990% | 24 mo | Standard | | **12-Month Signature Loan** personal_unsecured_12mo | — APR | 7.990% | 12 mo | Standard | | **48-Month Signature Loan** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 14.990% | — | Standard | | **Checking Overdraft Protection** personal | — APR | 18.000% | — | Standard | Lakeshore Credit Union personal loan rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Featured Rates** other | — % | 1.510% | — | Standard | Lakeshore Credit Union other rates as of November 12, 2026 Lakeshore Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/lakeshore) , verified from [Lakeshore Credit Union's official website](https://www.lakeshorefcu.com/) Loading branch locator… ## About Lakeshore Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $45.9M Founded 1953 Locations reported 1 NCUA charter 8709 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Family Financial** Main Office · Norton Shores · MI · 49441 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/family-financial) [**Consumers** Roosevelt Park · Muskegon · MI · 49441-4197 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/consumers) [**Service 1** Service 1 FCU/SB Branch · Muskegon · MI · 49441 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/service-1) [**Lake Michigan** Muskegon · Muskegon · MI · 49441 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Muskegon ST Joseph** Main Office · Muskegon · MI · 49441 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/muskegon-st-joseph) [**Port City** Port City Federal Credit Union · Muskegon · MI · 49441-2632 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/port-city) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Lakeshore Credit Union Membership eligibility from Lakeshore Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lakeshore Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Lakeshore Credit Union's membership page](https://www.lakeshorefcu.com/about-us/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Lakeshore Credit Union Geography 1 county · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from Lakeshore Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Muskegon County, MI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Muskegon County, MI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member, household member “An immediate family member or household member of a current or eligible member” > [source ↗](https://www.lakeshorefcu.com/about-us/how-to-join) - Family member (immediate family member, household member) of a member - Family of a member spouse “A spouse of a person who was within the field for membership at the time of their passing” > [source ↗](https://www.lakeshorefcu.com/about-us/how-to-join) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Lakeshore Credit Union? Yes No ## Work at Lakeshore Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Lakeshore Credit Union ranks against Michigan peers. - See which AI assistants fetched Lakeshore Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=lakeshore&state=michigan&code=MI&name=Lakeshore%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lakeshore Credit Union offer? Lakeshore Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Lakeshore Credit Union rates updated? RateAPI verifies Lakeshore Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Lakeshore Credit Union's rate data? Rate data is collected directly from Lakeshore Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Lakeshore Credit Union? Lakeshore Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county for Lakeshore Credit Union, each quoted from Lakeshore Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Lakeshore Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.lakeshorefcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Lakeshore Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Lakeshore Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /lakeshore " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lakeshore Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/lakeshore Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp