Savings
Savings Accounts

The minimum balance to open this account is the purchase of a $5 share in the credit union.  You must maintain a minimum average daily balance of $100 to receive the disclosed annual percentage yield (APY)

Checking Accounts

Our Checking Account is not subject to any monthly fee.  This account does not pay any dividends.  Debit cards are available upon request and subject to approval.  Overdrafting may be available to cover checks when funds are not available.  Please refer to the fee schedule regarding overdrafting and Non-sufficient funds (NSF) fees.

Build your checks online. To reorder checks, please click here.

Certificates

A Share Certificate is the highest paying saving vehicle offered by the credit union.  Terms available include a six month, one year, and two year certificate.  The minimum balance required is $1000 and there are substantial penalties for early withdrawals.  All certificates have a ten-day grace period in which you can decide to renew your certificate or redeem it.

Club Accounts

These are unique accounts established to save for holiday shopping or vacations. Club accounts feature higher earnings than other savings accounts. They also payout at specific times during the year, providing the funds to you when you need them most.

Individual Retirement Accounts (IRA)

IRA accounts can provide tax benefits while you save for your retirement. Traditional and Roth IRA accounts are available.

MasterMoney Debit Cards

This unique card allows you to access your Share Savings or Checking at any ATM terminal. Additionally, instead of writing checks, simply present your MasterMoney debit card at any store that accepts MasterCard.

MasterCard -SecureCode

Presenting extra online security that's quick, simple, 
and seamless.  To choose your own SecureCode, follow
the simple steps at www.mastercard.com/securecode

Signature Based Transactions
  1. There is no fee to you when using the Debit/Check card feature of your MasterMoney Debit Card from Ladish Community Credit Union.
  2. Select the word credit on the POS machine or let the merchant know that you want to run this as a Credit transaction. This will require you to sign a transaction slip. Do not use your PIN number.
  3. Not all merchants will allow you to use your Debit/Check card in this way. Certain merchants will require you to enter your PIN number.
  4. You will only be able to do the exact amount of the purchase. You can not get money back unless you enter your PIN number.

Bottom Line: When you enter your PIN number you could pay for the transaction. However, there is no cost to you if you sign your name. Always remember to make sure you have the funds available to avoid fees.

ATM Cards

A Ladish Community Credit Union ATM card allows you instant 24-hour access to your Share Savings or checking account at thousands of ATM terminals nationwide.

ATM Card Tips
Personal Identification Number (PIN) Transactions
  1. Any time you enter your PIN into an ATM or a Point of Sale (POS) machine, such as grocery
    or retail stores, gas stations, etc. it is considered an ATM Transaction. Only ATM transactions
    use a PIN number.
  2. You are allowed 4 free ATM transactions per month. There after you will be charged $1.50 per transaction by Ladish Community Credit Union. (Note: This does not include any surcharge you may be charged by the owner of that machine).
  3. Ladish Community Credit Union will not charge you for using the drive thru ATM machine … they are FREE for LCCU ATM and Debit card holders .
  4. If you have a MasterMoney Debit card, only use your PIN number at a POS machine if you want money back.
  5. All POS machine purchases are taken out of your Checking Account.
  6. Withdrawals from an ATM machine can be made from either your Share Savings or Checking Account.