Direct Deposit

Direct deposit can be used for Social Security checks or any regular recurring government, pension or payroll check. With direct deposit there's no waiting in line or need for a special trip to the credit union to cash your check. If your check is directly deposited into an LCU statement savings, checking, or money market account, you can withdraw money instantly at any ATM with your Quick Cash Plus Card. Direct deposit is a terrific time-saver allowing you more time to do the things you like best.

IdentitySecure

Enjoy the security and peace of mind of IdentitySecure's comprehensive identity protection. And we do mean comprehensive. IdentitySecure provides the advanced protection of fraud alerts and more, so you can lock down your identity and maintain control of your life. Click here for more details and to sign up.

Combined Statement

For streamlined record keeping, consider having your savings account and checking account statements combined. Both savings and checking statements will arrive together in the same envelope. You'll be able to balance your accounts at once instead of receiving statements at different intervals. And best of all, there's no charge to LCU members for this convenience.

Check Imaging

Members receive reduced size copies of their previous month's canceled checks along with a statement. These checks fit 18 images per page for easy record-keeping.

Overdraft Protection

LCU offers two alternatives with no annual fees.

  1. Your savings account will automatically advance funds into your checking account for a daily transaction fee of $15.00.
  2. An overdraft line of credit will automatically advance funds into your checking account in the exact amount you are overdrawn. Monthly repayment is 5% of the balance or $20.00, whichever is greater.

Click here for more information on Overdraft Protection

Safe Deposit Boxes

Safe deposit boxes are available at the following branches:

  • 20 Adams Street, Leominster
  • 159 Mechanic Street, Clinton
  • 715 Main Street, Holden.

Use these boxes to protect your valuables and important papers. Boxes are subject to availability. Sizes and annual rental fees are:

  • 3x5" ..... $25
  • 5x5" ..... $35
  • 3x10" .... $45
  • 5x10" .... $65
  • 7x10" .... $90
  • 10x10" ... $120

U.S. Savings Bonds

A popular way to save for college or retirement. Savings bonds offer safety and competitive yields. They are federally tax deferred and are exempt from state and local taxes until they are redeemed. For a conservative growth approach, Series EE bonds come in denominations from $50 to $10,000 and are purchased at half their face value. For a more aggressive approach, Series I bonds come in denominations of $50 to $10,000, are purchased at their full face value.

Member Express Line

Obtain current balances, transfer funds between accounts, check deposits or withdrawals and more. Available twenty-four hours a day, seven days a week. Call 800-649-4646 and select option 1.

Discount Prescription Cards

LCU is pleased to help you and your family lower your prescription drug costs with our free discount prescription cards. Simply stop by any one of our branch locations to pick up a free Discount Prescription Drug Card or click here to print your own. Recieve savings of up to 75% (discounts average roughly 30%) at more than 54,000 national and regional pharmacies!