Find the most up-to-date Lake Michigan Credit Union promotions, bonuses, and offers here.

Update 10/24/26: There’s currently a $193 bonus (up from $100) per referred member through 11/30/26. If you have a referral link, feel free to post yours in the comment section!

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About Lake Michigan Credit Union Promotions

Eligibility: Membership in Lake Michigan Credit Union is available to anyone by contributing $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation. Membership is also open to those who live, work, or worship anywhere in Michigan’s Lower Peninsula or anywhere in Florida. Immediate family members of current Lake Michigan Credit Union also qualify, no matter where they live. See current membership details.

Lake Michigan Credit Union $193 Referral Bonus

What you’ll get: $193 bonus
Account Type: Checking
Availability: Nationwide, Branches in FL, MI (Bank Locator)
Direct Deposit Requirement: Yes (see what works)
Credit Inquiry: Hard Pull or Soft Pull? Let us know.
ChexSystems: Unknown
Credit Card Funding: Unknown
Monthly Fees: None
Early Account Termination fee: Not listed
Household Limit: Not listed

$193 Offer at Lake Michigan Credit Union

(Expires 11/30/2026)

You can compare this to several great entry level checking account offers:
Chase Total Checking^® ($400 bonus),	Chase Secure Banking^SM ($175 bonus),
KeyBank Key Smart Checking ($300 bonus)	SoFi Checking and Savings ($425 bonus)
Bank of America ($100 bonus offer)	U.S. Bank Smartly^® Checking ($450 bonus)

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT

You share your referral link with friends and loved ones via email, text, or social media.
Your friend opens an LMCU checking account and holds two or more recurring direct deposits totaling $500 or more for 60 days.
LMCU deposits $193 into your account and $193 into your friend’s. Simple!

Both Advocate and Friend must be over the age of 18 and a permanent resident of Michigan or Florida to qualify for the reward.
Advocate must be a primary member of LMCU in good standing with a valid email address on file and refer an eligible prospect (Friend) to LMCU.
Friend must open a qualified LMCU membership with checking account using Advocate’s referral link and meet the program criteria.
The Friend must hold two or more recurring direct deposit(s) totaling $500.00 or more for 60 days.
Following qualification, LMCU will deposit $193 into the Advocate’s primary savings account and $193 into the Friend’s primary savings account within 14 business days.
Total referral rewards may not exceed $1,200 annually.
$193 promotion offer is valid 10/19/26 – 11/30/26 only.
See terms and conditions for full details.

How To Avoid Monthly Fees

Max Checking: No monthly fees
Free Checking: No monthly fees
Investor Checking: There’s no monthly fee if you maintain a balance of $2,500 or more ($10 per month if you don’t).
Advantage 50 Checking: No monthly fees

Bottom Line

Feel free comment below and let us know about how it went and if you could fund your account with credit card or not. We value your feedback and will continue to keep you posted on the latest bank offers nationwide.

*Compare these promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, and more!*

*Check back on this page for updated Lake Michigan Credit Union promotions, bonuses, and offers.