---
title: "Lake Michigan Credit Union SWIFT/BIC code LMCNUS33XXX · United States | Elucidate"
description: "SWIFT/BIC code LMCNUS33XXX for Lake Michigan Credit Union, United States. Head-office BIC, LEI 549300YB1H2FRI6JPM51, addresses and Swift connectivity."
url: https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33
---
1. [Directory](https://elucidate.co/directory)
2. [United States](https://elucidate.co/directory/country/us)
3. Lake Michigan Credit Union
United States · Financial institution
# Lake Michigan Credit Union
Lake Michigan Credit Union (LMCU) is a state-chartered, federally insured credit union headquartered in Caledonia, Michigan. It is owned by its members and serves members in Michigan and Florida. It offers personal and business banking, mortgages, consumer and commercial loans, and cards. It also offers investment services and insurance through partner and affiliated firms. Lloyd F. Hutt founded it in 1933 as Grand Rapids Teachers Credit Union, and it adopted its current name in 2002.
BIC **LMCNUS33XXX** LEI **[549300YB1H2FRI6JPM51](https://search.gleif.org/#/record/549300YB1H2FRI6JPM51)** Licence no. **Not on a tracked register** Connected to Swift Head-office BIC only [Claim this profile](https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** LMCNUS33XXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2017-08-12
- **Last updated:** 2024-01-16
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33#overview-sources)
Total assets
USD 17.3bn
This entity · 30 Jun 2026 · [interim report ↗](https://www.lmcu.org/about/company-profile/)
Employees
Not published
Ownership
Member-owned
Institution type
Credit union / building society
Trades as LMCU
- **Ownership:** The credit union is owned by its members and has no shareholders.
- **Head office:** 5664 Prairie Creek Dr SE, 49316 Caledonia, United States
- **Company register:** NCUA charter 62514
- **Former name:** Grand Rapids Teachers Credit Union
### Business lines
- Retail banking
- Mortgage lending
- Consumer finance
- SME banking
- Corporate banking
- Cards
- Transaction banking & payments
According to its 30 June 2026 call report data, residential mortgage loans make up most of its loan book, followed by commercial real-estate and vehicle lending.
### Online
- **Websites & references:** [lmcu.org ↗](https://www.lmcu.org/) [es.lmcu.org ↗](http://es.lmcu.org/) Spanish-language site [blog.lmcu.org ↗](https://blog.lmcu.org/) member news blog [Wikipedia ↗](https://en.wikipedia.org/wiki/Lake_Michigan_Credit_Union) [Wikidata Q6476906 ↗](https://www.wikidata.org/wiki/Q6476906)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/lake-michigan-credit-union) · [X ↗](https://x.com/LMCU) · [Facebook ↗](https://www.facebook.com/LMCUOfficial) · [Instagram ↗](https://www.instagram.com/lakemichigan_cu/) · [YouTube ↗](https://www.youtube.com/@LMCU1933)
Sources · 10 pages consulted
1. [lmcu.org/](https://www.lmcu.org/)
2. [lmcu.org/about/](https://www.lmcu.org/about/)
3. [lmcu.org/business-commercial/treasury-management-services/business-wires/](https://www.lmcu.org/business-commercial/treasury-management-services/business-wires/)
4. [lmcu.org/about/lmcu-in-the-community/news-center/new-page/](https://www.lmcu.org/about/lmcu-in-the-community/news-center/new-page/)
5. [lmcu.org/about/lmcu-in-the-community/news-center/](https://www.lmcu.org/about/lmcu-in-the-community/news-center/)
6. [lmcu.org/about/company-profile/](https://www.lmcu.org/about/company-profile/)
7. [lmcu.org/about/news/84](https://www.lmcu.org/about/news/84)
8. [lmcu.org/about/news/193](https://www.lmcu.org/about/news/193)
9. [ncuso.org/credit-union/62514/financials/](https://ncuso.org/credit-union/62514/financials/)
10. [en.wikipedia.org/wiki/Lake\_Michigan\_Credit\_Union](https://en.wikipedia.org/wiki/Lake_Michigan_Credit_Union)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33#overview-sources)
- **Chief executive:** Julie Leonard President and CEO Confirmed 29 Sep 2026 · [lmcu.org ↗](https://www.lmcu.org/about/lmcu-in-the-community/news-center/new-page/)
- **Executive:** Sara Kemperman EVP and Chief Operating Officer Confirmed 29 Sep 2026 · [lmcu.org ↗](https://www.lmcu.org/about/lmcu-in-the-community/news-center/new-page/)
- **Executive:** Ellen Steinfield Senior Vice President and Chief Lending Officer Confirmed 29 Sep 2026 · [lmcu.org ↗](https://www.lmcu.org/about/news/193)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33#overview-sources)
- **United States:** National Credit Union Administration Prudential supervisor AML supervisor Resolution
- **United States:** Michigan Department of Insurance and Financial Services Prudential supervisor Other
- **United States:** Consumer Financial Protection Bureau Conduct
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lake-michigan-credit-union-lmcnus33#overview-sources)
1. Apr 2026
Leadership
The credit union appointed Ellen Steinfield as Senior Vice President and Chief Lending Officer.
[lmcu.org ↗](https://www.lmcu.org/about/news/193)
2. Mar 2024
Leadership
Julie Leonard became President and CEO on 4 March 2024, succeeding Sandra Jelinski, who retired after 23 years as CEO.
[lmcu.org ↗](https://www.lmcu.org/about/news/84)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** LMCNUS33XXX
- **How the BIC breaks down:** 1. LMCN Bank 2. US Country · United States 3. 33 Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 549300YB1H2FRI6JPM51
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300YB1H2FRI6JPM51)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** United States · North America
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
- **Founded:** 1933
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** 566 PRAIRIE CREEK DR CALEDONIA 49501-2848 UNITED STATES OF AMERICA
- **Operational address:** LAKE MICHIGAN CREDIT UNION 566 PRAIRIE CREEK DR CALEDONIA,MI CALEDONIA,MI 49501-2848 UNITED STATES OF AMERICA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
LMCNUS33XXX
549300YB1H2FRI6JPM51
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
LMCNUS33XXX
549300YB1H2FRI6JPM51
LAKE MICHIGAN CREDIT UNION
CALEDONIA
US
566 PRAIRIE CREEK DR CALEDONIA 49501-2848
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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[See every BIC in United States →](https://elucidate.co/directory/country/us#bics)
Claim this profile
## Work at Lake Michigan Credit Union?
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1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.