Whether it's the cost of school books or clothes for work - both
require significant dollars.
Young members are at a point in life when a
credit history1 is being established that will influence
their ability to borrow for a considerable time.
The New Beginnings Program offers
members [18-24 years old] with the financial tools needed to
establish, and maintain, a strong credit history.
Active Beginnings Checking Account
No minimum balance required
$2.00 monthly fee WAIVED
First Order of Checks FREE [50 ct.]
FREE Visa Check Card
4 ATM withdrawals per month FREE
FREE Home Banking
Bill Payment Available
Overdraft Line of Credit2
$500 Credit Limit
Advance funds to protect checking from being overdrawn
$500 Credit Limit [higher limit possible]
New/Used Auto Loans3
Rate Reduction for recent Graduates
Convenient Repayment Options
No early repayment penalties
Up to $2,000.00
24 month Repayment
The only eligibility for membership in the Beginnings Program is joining when 18 - 21
years old and maintaining an active LCU Beginnings Checking Account
[in addition to Regular Savings required of all LCU members].
NOTE: Those wishing to join LCU must meet the eligibility requirement of living, working
or worshipping in one of the following townships: Leyden, Addison, Elk Grove, Maine,
Proviso, Lisle or York.