Beca Hutt 

A teacher's legacy. A student's future.

Submissions for the 2027 graduating class will open October 1, 2026 and close November 30, 2026.

Read last year's winning essays and explore scholarship details, eligibility, and process information. 

Acerca de la beca Lloyd F. Hutt

Before Lloyd F. Hutt founded Lake Michigan Credit Union, he was a schoolteacher. That's not a footnote. It's the whole story. A teacher who believed that access to knowledge and opportunity could change a person's life went on to build a financial institution around that same idea.  In 1990, LMCU established the Lloyd F. Hutt Scholarship to carry that belief forward. Every year, we invite high school seniors to respond to an essay prompt — not to prove they're exceptional, but to think carefully about what they want to do with their lives and why it matters.  This year, 1,058 seniors answered the question: "What sort of legacy do you want to leave — and how will you make it a reality?" Twenty of them walked away with $2,000 scholarships.  Since the program began, LMCU has awarded over $660,000 in scholarships to 372 deserving students. We're proud of every single one of them — and we're not done yet. 

¿Quién es elegible?

The Hutt Scholarship is open to high school seniors (including homeschooled students) who plan to enroll in an accredited trade school, college, or university in the next academic year. To be eligible, you must meet one of the following:   
• You're a resident of Michigan or Florida.  
• You're a member of LMCU.  
• You're the child of an LMCU member. (Students outside Michigan and Florida must be an LMCU member or the child of an LMCU member to qualify.)   

Formato/pautas

The scholarship essay contest is judged on passion above all else. The committee wants to hear your voice; not a polished version of what you think they want to read. They'll also look at comprehension of the topic, organization, language use, originality, clarity, spelling, and grammar.   
 
A few things to keep in mind:   

  • No incluyas tu nombre, el nombre de la escuela ni ninguna otra información de identificación en tu ensayo. 
  • Each essay will be screened for plagiarism and AI-generated content. Your words only. 
     
    Essay requirements:   
  • Length:750–1,500 words 
  • Typed in an easy-to-read font 
  • Fuente negra sobre fondo blanco 
  • Doble espaciado 
  • Incluir un título 
  • Guardar y enviar como Adobe Acrobat PDF (.pdf) 
     
    Note: Failure to follow the official format guidelines may result in ineligibility. 

¿Cómo se seleccionan los ganadores?

Winners are selected by an independent committee of area professionals appointed by the LMCU Board of Directors. All essays are submitted without any identifying information. The committee never knows whose essay they're reading or what school the student attends. The committee's principal factor: demonstrated passion for the topic. They'll also evaluate comprehension, organization, language use, originality, clarity, spelling, and grammar. Scholarship recipients are selected without regard to race, religion, or gender identity. To ensure originality, each essay will be screened for plagiarism and/or AI-generated content. Questions? Email us at [email protected]. 

Recursos escolares

School counselors and teachers: we've made it easy to share the Lloyd F. Hutt Scholarship with your students.  A complete resource kit is available for download with everything your students need to understand the program, confirm their eligibility, and submit a strong application. Just pass it along. Questions about the program? Email [email protected]. We'll get back to you. 

Download School Resource Kit
Program Terms

The scholarship is not open to LMCU employees, directors, or officers, or their immediate families, or to employees or immediate families of any of LMCU's affiliated companies, licensees, advertising, or promotional agencies. Immediate family includes spouse, child, father, mother, brother, sister, grandparent, stepparent, stepchild, mother-in-law, father-in-law, brother-in-law, sister-in-law, grandchildren, and grandparents-in-law.  Recipients must submit evidence of acceptance and enrollment in an accredited trade school, college, or university before payment will be made. 

El importe de la beca se pagará al beneficiario y a la institución educativa en la que se encuentra inscrito el estudiante. La beca tiene por objeto proporcionar asistencia financiera al beneficiario para que continúe sus estudios a fin de obtener un título en una escuela de oficios, instituto terciario o universidad acreditados. El dinero deberá usarse para la matrícula, los cargos, libros, suministros y equipos del estudiante. El objetivo es que las asignaciones constituyan becas calificadas y exentas del impuesto federal a los ingresos en virtud del artículo 117 del código impositivo (Internal Revenue Code) de 1986, con sus enmiendas. El uso del importe para fines que no sean los indicados anteriormente puede poner en peligro tal exención. En caso de surgir una responsabilidad de carácter impositivo, será exclusiva del beneficiario. 

Lake Michigan Credit Union deberá mantener registros pertinentes, administrar y proporcionar todo el personal necesario para el programa de becas Lloyd F. Hutt (con excepción del comité de becas). Lake Michigan Credit Union le entregará un informe por escrito a la junta directiva en el que se detallarán todas las becas. 

Modificación o eliminación del programa 
Lake Michigan Credit Union se reserva el derecho de modificar o eliminar el programa de becas Lloyd F. Hutt en cualquier momento sin previo aviso. Sin perjuicio de lo anterior, toda beca que deba pagarse en virtud del programa con anterioridad a tal modificación o eliminación seguirá siendo pagadera de acuerdo con los términos del programa vigentes al momento en que Lake Michigan Credit Union creó la beca. Todas las inscripciones pasarán a ser propiedad de Lake Michigan Credit Union.