Member speaking with a LMCU representative at a desk in a modern branch office.
Member speaking with a LMCU representative at a desk in a modern branch office.
Checking & Savings

Your bank should be rooting for you. Ours is.

Most banks are built for banks. LMCU checking and savings accounts are built for the people who use them.

Checking Accounts Savings Accounts
Two people standing outside a house, holding a small dog, with the home exterior and greenery in the background.

93 years of being in your corner.

Banks answer to shareholders. LMCU answers to you. What we'd otherwise pay out in dividends to shareholders comes back to members in the form of better rates and lower fees on our checking and saving accounts. We've been doing it that way for nearly a century. Not because we have to, but because we want to. It's why we do what we do.

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This is member-first banking

It's checking and savings accounts that earn you more. It's terms and conditions that cost you less. It's a financial institution that actually remembers whose money it is.

Checking Accounts Savings Accounts

Free & No-Fee Options

No monthly fees on most accounts. Free checking that's genuinely free.1

Earn More Interest

From 4.00% high yield checking to tiered savings, your balance works a lot harder here.2

Digital Tools

Mobile deposits, balance alerts, full account management — 24/7, right from your phone.3

Branches & ATMs

Dozens of branches in Michigan and Florida, plus 55,000+ surcharge-free Allpoint ATMs.

Protección contra fraude

Our security team watches your accounts around the clock, so you don't have to.

Community

Every LMCU membership supports the communities we call home in Michigan and Florida.

Discover what 665,000+ members already know.

Your LMCU checking and savings accounts are already working for you - earning interest, skipping fees, and doing their job whether you're paying attention or not. Here's what our members think.

5-star rating for financial stability.

—Bauer Financial, 12/10/2025
Awards
Disclosures

Es posible que se apliquen cargos por sobregiros/ítem rechazados.

Rates may change after account opening. This APY is accurate as of 9/17/2026. Los cargos pueden reducir las ganancias. Sin requisito de saldo mínimo. To earn interest some requirements apply. Los requisitos mensuales deben cumplirse antes de las 8:00 p.m. ET del último día del mes. Las compras no incluyen transacciones en ATM Los requisitos de compra con tarjeta de crédito o débito se basan en la preferencia de compra. No se pagan intereses sobre saldos de más de $15,000. No se pagan intereses si no se cumplen los requisitos. Casi $600 se gana en 4.00% APY sobre saldos de $15,000.00.

Es posible que se apliquen tarifas de Internet/móvil/datos de terceros.