Lake Trust Credit Union Routing Number: Michigan CU Guide

Primary routing number272480678

Find the Lake Trust Credit Union routing number 272480678 for ACH transfers, direct deposits, and wire transfers in Michigan.

What is the Lake Trust Credit Union routing number?

Lake Trust Credit Union's routing number is 272480678. This routing number is used for all Lake Trust accounts across Michigan, including checking, savings, and certificate of deposit accounts.

Lake Trust Credit Union has been serving Michigan communities since 1950, growing to manage over $2 billion in assets. Membership is open to individuals who live, work, worship, or attend school in select Michigan counties.

Where to find your Lake Trust routing number

Routing number 272480678 appears on the bottom-left corner of Lake Trust checks. It is also accessible through the Lake Trust mobile app, online banking portal, or by calling their member contact center.

The 272 prefix identifies Lake Trust within the Federal Reserve's Chicago district, which processes transactions for credit unions and banks headquartered in Michigan.

Direct deposit and ACH payments

To enroll in direct deposit, give your employer routing number 272480678 along with your Lake Trust account number. Direct deposit is available for paychecks, pension payments, Social Security, and government benefit disbursements.

Lake Trust supports outgoing ACH transfers for bill payments and bank-to-bank transfers. Incoming ACH transactions are processed without fees and typically settle within one to two business days.

Wire transfers at Lake Trust

Domestic wire transfers at Lake Trust use routing number 272480678. Members can request outgoing wires through a branch visit or by contacting member services. Incoming wires are credited to accounts on the same business day when received before the cutoff.

For international wire transfers, Lake Trust works with correspondent banks. Contact member services for SWIFT code details and intermediary routing instructions required by the sending institution.

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