General Questions
Lead Community Credit Union is a member-owned financial cooperative that has been serving our community since 1986. Unlike traditional banks, we're a not-for-profit credit union, which means we offer better rates, lower fees, and personalized service. Every account holder is a part-owner with voting rights.
Becoming a member is easy! You need to:
- Be at least 18 years old
- Live, work, or worship in our service area
- Open a share savings account with a minimum deposit of $25
- Provide valid identification and proof of address
Yes! Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the United States government. This is equivalent to NCUA share insurance for banks.
Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed
Our online and mobile banking services are available 24/7, and our ATM network provides round-the-clock access to your funds.
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed
Our online and mobile banking services are available 24/7, and our ATM network provides round-the-clock access to your funds.
Accounts & Services
We offer a full range of personal and business accounts:
- Checking Accounts: Free checking with no monthly fees
- Savings Accounts: High-yield savings with competitive APY
- Money Market Accounts: Higher rates with check-writing privileges
- Certificates of Deposit (CDs): Fixed rates for fixed terms
- IRA Accounts: Traditional and Roth retirement options
- Business Accounts: Complete business banking solutions
Minimum balance requirements vary by account type:
- Checking: No minimum balance required
- Savings: $25 minimum to open
- Money Market: $1,000 minimum balance
- CDs: $500 minimum deposit
You have multiple ways to access your accounts:
- Online Banking: 24/7 access from any device
- Mobile App: Available for iOS and Android
- ATM Network: 30,000+ surcharge-free ATMs nationwide
- Branch Locations: In-person service during business hours
- Phone Banking: Automated and representative assistance
Loans & Mortgages
We offer competitive rates on various loan products:
- Home Loans: Fixed-rate and adjustable-rate mortgages
- Auto Loans: New and used vehicle financing
- Personal Loans: Unsecured loans for any purpose
- Student Loans: Education financing options
- Home Equity Loans: HELOCs and fixed-rate options
- Credit Cards: Low-rate Visa and Mastercard options
You can apply for a loan:
- Online: Complete our secure online application
- In Person: Visit any branch location
- By Phone: Call our loan department at +19735444317
Credit score requirements vary by loan type:
- Mortgages: Generally 620+ (some programs accept lower)
- Auto Loans: 600+ preferred
- Personal Loans: 580+ considered
Online Banking
Enrolling is quick and easy:
- Visit our online banking portal
- Click "Enroll Now" or "Register"
- Enter your account number and personal information
- Create a username and strong password
- Set up security questions and multi-factor authentication
Absolutely! We use multiple layers of security:
- 256-bit SSL encryption
- Multi-factor authentication
- Automatic timeout after inactivity
- Real-time fraud monitoring
- Secure login with username and password
- Optional biometric login on mobile devices
Yes! Our mobile app includes remote deposit capture. Simply:
- Endorse the back of your check
- Open the mobile app and select "Deposit Check"
- Take photos of the front and back of the check
- Enter the deposit amount
- Submit for processing
Fees & Rates
We pride ourselves on low, transparent fees:
- Monthly Checking Fee: $0 (Free checking!)
- Overdraft Fee: $25 (with overdraft protection available)
- ATM Fee (out-of-network): $2.50
- Wire Transfer (domestic): $15
- Wire Transfer (international): $35
- Stop Payment: $20
- Cashier's Check: $10
Our rates are competitive and subject to change. Current rates as of this month:
- Savings Account: Up to 4.25% APY
- Money Market: Up to 4.50% APY
- 12-Month CD: 4.75% APY
- Auto Loans: From 5.49% APR
- 30-Year Fixed Mortgage: From 6.75% APR
- Personal Loans: From 8.99% APR
Security & Privacy
We employ industry-leading security measures:
- 256-bit encryption for all data transmission
- Multi-factor authentication for online access
- 24/7 fraud monitoring and alerts
- Regular security audits and penetration testing
- Employee background checks and security training
- Secure physical facilities with access controls
If you suspect fraudulent activity on your account:
- Call us immediately: +19735444317 (24/7 fraud hotline)
- Lock your card: Use our mobile app to temporarily disable your card
- Change passwords: Update your online banking credentials
- Monitor statements: Review recent transactions carefully
- File a report: We'll help you complete a fraud affidavit
We take your privacy seriously. We may share information only in these circumstances:
- With your explicit consent
- To process transactions you request
- With service providers who assist us (under strict confidentiality agreements)
- When required by law or regulatory authorities
- To protect against fraud or illegal activity
Still have questions? We're here to help!
Call us at +19735444317 or send us a message. Our team is ready to assist you.
Call us at +19735444317 or send us a message. Our team is ready to assist you.