APY, up to
0.20%
As of Nov 8, 2026. The bank states it as “up to” and doesn’t say what a balance earns.
Lake Michigan · Checking account
Lake Michigan Investor Checking
−$120 a year for an everyday customer. $10 a month.
- A year, everyday customer
- −$120
- APY, up to
- Receipt · APYChecked Nov 8, 2026
Issuer's page · lmcu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · lmcu.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Not stated
Against the market
How it ranks
#877of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Debit card
- Interest bearing
- No minimum balance
- Online opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
Who can open it
- Where
- Michigan, Floridalmcu.org, checked Nov 8, 2026
- Membership
- Open to anyone who qualifies through one of these:
- People who live, work, worship or attend school anywhere in Michigan's lower peninsula or Florida
- Family members of existing LMCU members are also eligible. The page lists father, mother, brother, sister, son, daughter, grandmother, grandfather, or spouse as immediate family.
- Join from anywhere if you contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees