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Lakes Area Credit Union
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Stop!  Don't drive cross-country for a loan - Lakes Area Credit Union offers the best rates and terms on most loans in the area!  Let us finance your new or gently used ATV or motorcycle today!  Give us a call at 218-326-1251.  Ask for Dan or Jenny in the loan department.

A Mortgage Option with 0% Down...
US Department of Agriculture (USDA) loans are a great option for homebuyers looking to purchase a rural property without the large down payment. USDA loan amounts can be borrowed up to 100% loan-to-value, meaning no down payment required.  They also offer low rates and lower mortgage insurance- all adding up to a fantastic solution for homebuyers and families with low to moderate incomes.

At Lakes Area Credit Union, we’re proud to partner with First Class Mortgage to offer our members a great home financing experience. First Class Mortgage offers a variety of loan programs, competitive rates, expert guidance and First Class service. One of the great loan programs they offer our members is a USDA mortgage loan.

USDA loans do have income and property limitations. Income restrictions vary by county. To see if your income falls within the maximum income guidelines, click here. The home must be in an eligible rural area to qualify. To see if a property is eligible for a USDA loan, click here. In addition, a property cannot be income-producing, so it cannot have tilled land that is used for farming, it cannot have grain bins that are used for storing crops and the property must be residential in nature.

For more information on UDSA loans and other loan programs, get in touch with Lakes Area Credit Union today by calling 218-326-1251 or apply online at

First Class Mortgage, a local team of mortgage experts, is here to help you with your home financing needs, whether you’re looking to purchase a home or refinance your mortgage.

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Let Lakes Area Credit Union finance your dream RV or boat today so you can ride into the WiLd tomorrow!  Give us a call at 218-326-1251.  Ask for Dan or Jenny in the loan department.

Lakes Area Credit Union will help you buy the things that make you move! If you’re looking for a new or used boat, camper or RV, we’ll float you a loan. And right now, well qualified buyers will receive financing as low as 3.99%!  At Lakes Area Credit Union, all of our lending decisions are made locally within 24 hours so get pre-approved today!

Lakes Area Credit Union has recently formed an indirect lending relationship with Ray’s Sport & Marine which means you can receive on-the-spot financing right at their dealership!  Ray’s Sport & Marine is a premier marine dealership in Grand Rapids, MN that service the entire Itasca and Range area.

Ray's Sport & Marine
At Ray’s Sport & Marine, you can find boats by Lund Boats, Crestliner, Ranger and KYMCO as well as pontoons by Bennington.  Choose an outboard motor by the makers of Yamaha, Honda Marine, Evinrude, Johnson, and Mercury.  Ray’s Sport and Marine also carries generators by Honda Power Equipment; and accessories by all the top brands, including Vexilar, Otter Outdoors, Wild Outdoors, Lowrance, and Costa Del Mar sunglasses.

Ray’s Sport & Marine offers a complete customer service experience that includes experience, fair prices, and a friendly no-hassle atmosphere.  They offer a first-class parts department, and a superb service department for all your equipment needs.

Visit Ray’s Sport & Marine today at 710 4th St. NE in Grand Rapids, MN.  For a virtual experience go to: or reach them by phone or email at 218-326-0353 /

And, remember Lakes Area Credit Union for all your financing needs!   Lakes Area Credit Union offers the best rates and terms on most loans in Grand Rapids, MN.  Click here to check out our awesome rates! For more information, please contact our office at 218-326-1251 or

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Who doesn't love second chance?

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