Everyone is so nice to me at the bank! They say that it's important to manage your money for retirement and have some extra for emergencies, but what they don't tell you is the amazing friends you'll make when you go banking! Don't tell anyone, but sometimes, I even visit this bank to do things I could much more easily do online. And the nice thing is I'm sure they know I could do those things online but they don't tell me I could do it online instead. They are just welcoming and happy that I stopped by to see my friends at the bank. God, I f*cking LOVE banking. It's just, they are just so friendly and helpful, it's hard to pass up an opportunity to visit my new good friends at the bank.

Predatory and deceptive. Lake Trust quietly reverses policy to extract money from poorer members. Foreign ATM Transaction Fee Refunds were silently reversed, turning refunds into added fees of their own, double-dipping into an ATM policy they had lulled members into using for free. My experience: When I signed up for a checking/savings account with Lake Trust around five or six years ago, I was motivated in large part by Foreign ATM Transaction Fee Refunds. Lake Trust offered four per month, which enabled me to have access to ATMs and cash without proximity to physical banking locations. I used ATMs freely with the comfort that these fees would be refunded to me at the end of the month, and they consistently were, for years. As someone with very low yearly income, I valued this feature dearly, and found it instrumental to my ability to use banking services effectively, as well as a primary motivator of my decision to bank with Lake Trust Credit Union. I regularly told others how happy I was banking with Lake Trust, how I finally felt empowered by a financial institution, how I could (at last) have access to my own money without endless fees. I was a deeply satisfied, loyal and evangelistic customer. So when I discovered "Foreign ATM Transaction Fees" in my transaction history, I was confused... what happened to the refunds? I had never used four or more foreign ATMs in a single month, and saw nothing from Lake Trust about a change in this policy. When I saw that not only had Lake Trust stopped providing refunds for Foreign ATM Transaction Fees, but had introduced fees for these transactions of their own, I was livid at this quiet bait-and-switch, a deceptive betrayal of trust. I have no idea how long this reversal of policy had been going on, as Lake Trust doesn't allow me to view my own transaction history beyond a year and a half (or so, when I last checked). The banking institution I had trusted and supported with my money had, without notifying me, chosen to upend its policy to profit by double-dipping on fees that they, previously, had promised to refund. The financial loss that this represents to me personally comprises a significant portion of my monthly income—and has me financially pinched, misled and taken advantage of by an institution I used to trust. If you work for a living, avoid Lake Trust at all costs.

The credit union is very good with great services. The mortgage department fails miserably. I'm a long term member and after a week on non-returned calls I used Huntington Bank for my mortgage.

JJ was extremely efficient and helpful at the local branch closing my auto loan. I was in an out and able to get back to my office without having to disrupt my day. On the corporate side, Craig was very helpful dotting the I's and crossing the T's to make sure we had everything in place. The rate was excellent. I'd definitely use them again.

There check cashing policy is never consistent. Predatory practices geared towards low income individuals requiring two forms of Id to cash a payroll check. Manager in photo is rude. I said good morning and he just ignored me to my face. Over this branch is bad.

I've had only positive experiences, both here at the branch and anytime I've had to call the main LTCU number. Good credit union.

Brandon at Lake Trust was amazing. He was so helpful and had such a positive attitude. Exemplary employee! He did not have to go the extra mile but he did! We are grateful he was there to help us.

I just spent 30 minutes trying to deposit checks into my business account. This wasn't an anomaly, but how this app works half the time I use it. It times out/logs you out randomly and all you can do is keeping logging in order and over again. Each of my 6 checks required me to log in twice for it to actually register and deposit them. My small business has many older customers who prefer to write a check. There has to be a better solution for your business customers. I have a personal account with you too and your banking app seems to deposit checks much more easily.

I love my credit union. I have used other local banks, but the only one I have stayed with is Lake Trust. Savings, checking, CDs, loans - they have everything I need.

PLEASE PLEASE PLEASE DO NOT USE LAKE TRUST CREDIT UNION. Many main aspects of the credit union require INTENSE member time and effort just for seemingly basic functionality. Please save yourself the headaches, the draining interactions, the call transfers, the "I'm sorry we cannot help you over the phone, you must go to a branch in person" ALL THE HOURS you will save going to some other financial institution. Please go somewhere else. Please I'm begging you

I received information today that lake trust closed my credit card, Without notification. This impacted my credit by twenty points. After calling I was told that this is standard practice. I discussed this with them and said.this was standard practice. I felt that this was big bank, not credit Union. A credit union is supposed look out for it's members, I will be closing my accounts after 22 years.

Lake Trust Credit Union has been faithfully serving me for many years. The tellers are helpful, considerate, and kind. Thank you to each of the employees there.

Been a member here for 22 years . Very close to switching banks and canceling my account . I try to buy something on a website, and my card gets declined . No text asking if it’s fraud or not . I then proceed to call customer service line after several minutes answering the bots questions and wait another 10 minutes to speak to representative they unlock my card. This has happened one too many times . Very inconvenient and bad practices . I understand if they suspect fraud and send a text alert which I would answer yes or no , but 80% of the time no text . I have to call . Getting someone on the phone is a long process. Fix your glitches and step up your game . I do not recommend banking here.

Absolutely outstanding. Fast, efficient and friendly. We have been with this Credit Union for over 40 years.

Long time member and the current staff is outstanding. I always get a friendly greeting when I walk through the door. I’m in once a week, same routine with my check and every teller knows where I want it deposited and how much cash back without asking. Everyone calls me by name and are friendly, courteous, professional and helpful. Wouldn’t go anywhere else.

Always helpful and friendly my card has had 3 fraudulent activities over the years and they caught them rite away and corrected it . Thank you so much for looking out for your members . They always greet you with a smile and are helpful with all questions or issues. Highly recommend this bank for all your financial needs .

Opened a new account with them today and Ellaina was amazing! Definitely excited about banking with them in the future!