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movement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU SAVINGS ACCOUNTS FOR ALL YOUR SAVING GOALS Whatever your individual savings goal is, remember it will take time to reach it. If your overall savings goal seems like a lot all at once, consider saving in steps — a little at a time. For example, if you have a total savings goal of $1,000, first focus on saving $400. Once you reach $400, continue until you reach $750. BUILD, BUY OR REMODEL: LGFCU HOME LOANS Build, buy or remodel: LGFCU home loans. No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CONSTRUCTION LOAN
Flexible for your needs. At LGFCU we make it easy for you to manage the cost of major construction projects on your home. You can use the loan to build your primary home or a vacation or second home. Financing can include the cost of your land purchase. Subject to approval. Mortgages are available for properties located in NC, SC,TN, VA and GA.
YEARS ENDED JUNE 30, 2020 AND 2019 CONSOLIDATED … LOCAL GOVERNMENT FEDERAL CREDIT UNION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED JUNE 30, 2020 AND 2019 Seeaccompanying Notes
TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSORED What can I bring? For shred events, typically each attendee can bring up to three boxes or 75 pounds of paper documents for shredding. Bring your confidential and personal documents containing Social Security numbers, account numbers, birthdates, passwords or LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU SAVINGS ACCOUNTS FOR ALL YOUR SAVING GOALS Whatever your individual savings goal is, remember it will take time to reach it. If your overall savings goal seems like a lot all at once, consider saving in steps — a little at a time. For example, if you have a total savings goal of $1,000, first focus on saving $400. Once you reach $400, continue until you reach $750. BUILD, BUY OR REMODEL: LGFCU HOME LOANS Build, buy or remodel: LGFCU home loans. No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CONSTRUCTION LOAN
Flexible for your needs. At LGFCU we make it easy for you to manage the cost of major construction projects on your home. You can use the loan to build your primary home or a vacation or second home. Financing can include the cost of your land purchase. Subject to approval. Mortgages are available for properties located in NC, SC,TN, VA and GA.
YEARS ENDED JUNE 30, 2020 AND 2019 CONSOLIDATED … LOCAL GOVERNMENT FEDERAL CREDIT UNION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED JUNE 30, 2020 AND 2019 Seeaccompanying Notes
TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSORED What can I bring? For shred events, typically each attendee can bring up to three boxes or 75 pounds of paper documents for shredding. Bring your confidential and personal documents containing Social Security numbers, account numbers, birthdates, passwords orHOW TO JOIN
Fill out the LGFCU Membership Form. Call 888.732.8562 to submit your application through 24/7 Member Services. Or bring your application toa branch near you.
CALCULATORS
The situations described in this video are for informational purposes only and meant to provide examples of the products and services LGFCU offers to its members, which may be subject to approval. 24-HOUR VOICE RESPONSE SERVICE 24-Hour Voice Response Service. If you just need to quickly check your accounts and only have access to a phone, try the automated 24-Hour Voice Response Service. Access your accounts day and night, 365 days a year from any location in the continental United States. Just call 800.328.4543. Using a touch-tone telephone, you can call the 24-Hour YEARS ENDED JUNE 30, 2020 AND 2019 CONSOLIDATED … LOCAL GOVERNMENT FEDERAL CREDIT UNION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED JUNE 30, 2020 AND 2019 Seeaccompanying Notes
CREDIT AND LOANS
Credit and Loans. Here's information you need to know about loans, credit reports, credit scores, credit history and credit cards. SECOND AND VACATION HOME LOAN Loan features. LGFCU offers a loan specifically for a vacation home or other second home. Loan options and features include: 5-year Adjustable Rate Mortgage (ARM), a 10- or 15-year Fixed-Rate Loan or a Construction Loan.; For second homes, you can apply for financing up FAT CAT CHILDREN’S SAVINGS ACCOUNT FAT CAT ® Accounts are LGFCU Share Accounts, built for kids from birth through age 12 and designed to help you teach them how to save and spend wisely. With a $5 minimum deposit and no withdrawals allowed until the account reaches a $25 balance, your kids or RETIREMENT | LGFCU PERSONAL FINANCE Prepare for a better retirement with tax-advantaged accounts. December 21, 2018. Contribute to a retirement savings account to help prepare for the life you want later. Saving for Retirement. Article. DIRECT DEPOSIT AUTHORIZATION FORM LG fCU® LOCAL GOVERNMENT FEDERAL CREDIT UNION Direct Deposit Authorization Form Complete this form and take it to your Human Resources/Payroll office BUSINESS CASE FOR DIVERSITY, EQUITY & INCLUSION A business’s success is defined by the value it provides to its stakeholders. Such value can be created by insisting your talent resources are equipped to face various business LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. BUILD, BUY OR REMODEL: LGFCU HOME LOANS Build, buy or remodel: LGFCU home loans. No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you.HOW TO JOIN
Fill out the LGFCU Membership Form. Call 888.732.8562 to submit your application through 24/7 Member Services. Or bring your application toa branch near you.
BEST MORTGAGE, LOAN AND DEPOSIT RATES AT LGFCU The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or afterthe 15th
COMPASS, FREE MONEY MANAGEMENT FROM LGFCU Compass creates vivid, easy-to-understand charts and graphs of your finances. Since it keeps everything up-to-date automatically, making comparisons or seeing your goals progress over time is simple. You'll easily find what you need to know. View accounts - From all financial institutions. Review transactions - In one place, from all youraccounts.
CONTACT LGFCU FOR YOUR MEMBER AND ACCOUNT SERVICE NEEDS Call 888.732.8562. To report a lost or stolen card. To report fraud. For all account and member service needs. Calls are toll-free for members anywhere in the United States. Our member service support staff are in North Carolina to handle your needs 24 hours a day, 7 days a week. Your calls with the Credit Union may be recorded forquality
HELOC | HOME EQUITY LINE OF CREDIT | LGFCU A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years SHARE TERM CERTIFICATES Prior to your share term certificate’s maturity date, a notice is sent to you. You can choose to have the dividend and/or principal transferred to a deposit account of your choice. Or when the term ends, simply let the certificate renew automatically. For 6- and 12-month certificates, you can request, at maturity, that earnedinterest be
LGFCU PRODUCTS AND SERVICES LGFCU is the only statewide credit union exclusively serving municipal and county employees, elected/appointed officials, local government volunteers and their families. SIMPLIFY YOUR LIFE WITH APPS AND ONLINE TOOLS Check with the IRS for income limits for using this program for free. FreeFile is available for use at the end of January 2019. No matter your income level, you can also use TurboTax online to file both your state and federal returns. It’s available year-round, 24/7. TurboTax also allows you to have your refund deposited into an LGFCU account. TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle. LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. BUILD, BUY OR REMODEL: LGFCU HOME LOANS Build, buy or remodel: LGFCU home loans. No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you.HOW TO JOIN
Fill out the LGFCU Membership Form. Call 888.732.8562 to submit your application through 24/7 Member Services. Or bring your application toa branch near you.
BEST MORTGAGE, LOAN AND DEPOSIT RATES AT LGFCU The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or afterthe 15th
COMPASS, FREE MONEY MANAGEMENT FROM LGFCU Compass creates vivid, easy-to-understand charts and graphs of your finances. Since it keeps everything up-to-date automatically, making comparisons or seeing your goals progress over time is simple. You'll easily find what you need to know. View accounts - From all financial institutions. Review transactions - In one place, from all youraccounts.
CONTACT LGFCU FOR YOUR MEMBER AND ACCOUNT SERVICE NEEDS Call 888.732.8562. To report a lost or stolen card. To report fraud. For all account and member service needs. Calls are toll-free for members anywhere in the United States. Our member service support staff are in North Carolina to handle your needs 24 hours a day, 7 days a week. Your calls with the Credit Union may be recorded forquality
HELOC | HOME EQUITY LINE OF CREDIT | LGFCU A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years SHARE TERM CERTIFICATES Prior to your share term certificate’s maturity date, a notice is sent to you. You can choose to have the dividend and/or principal transferred to a deposit account of your choice. Or when the term ends, simply let the certificate renew automatically. For 6- and 12-month certificates, you can request, at maturity, that earnedinterest be
LGFCU PRODUCTS AND SERVICES LGFCU is the only statewide credit union exclusively serving municipal and county employees, elected/appointed officials, local government volunteers and their families. SIMPLIFY YOUR LIFE WITH APPS AND ONLINE TOOLS Check with the IRS for income limits for using this program for free. FreeFile is available for use at the end of January 2019. No matter your income level, you can also use TurboTax online to file both your state and federal returns. It’s available year-round, 24/7. TurboTax also allows you to have your refund deposited into an LGFCU account. TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle. LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. LOCAL GOVERNMENT FEDERAL CREDIT UNION Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. LGFCU is a part of an international movement that puts people first. While our focus is North Carolina, we’re also a part of the worldwide credit unionmovement!
MEMBER CONNECT LOGIN Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. Share your feedback. Routing Number: 253184537. Wire Transfer ABA Routing Number: 253177049. . LGFCU.org Feedback -Formstack. Please
MEMBER CONNECT ONLINE ACCOUNT ACCESS Enroll in Member Connect. Step 1: Before you get started, make sure you have your 16-digit ATM/Debit Card number and three-digit 24-Hour Voice Response Service PIN handy. If you don’t have or are unsure of either of those, call 888.732.8562. Step 2: Complete the Member Connect online form. Enter your 16-digit ATM/Debit Card number. LGFCU MOBILE MEMBER CONNECT OPTIONS Mortgage Credit Certificates. Rental Property Loan. Second / Vacation Home Loan. Payroll Deduction. Personal Loans. Share Secured Loans. Signature Loan. Term Notes. Salary Advance Loan.CHECKING ACCOUNT
An LGFCU Checking Account is convenient and affordable. Make the move today and enjoy the benefits of membership. Terms accurate as of 5/5/21. $1,500 average balance per statement period, or qualifying direct deposits of $500. Otherwise, pay $12 monthly fee. FREE PAPER SHREDDING EVENTS AND E-WASTE EVENTS SPONSOREDFREE SHREDDING ASHEVILLE NCPAPER SHREDDING ASHEVILLE NCAMERICAN SHREDDING ASHEVILLENC
Randolph County Shred Event. Saturday, June 5, 2021. 9 a.m. - 12 p.m. Trinity City Hall. 5978 NC Highway 62. Trinity NC 27370. This event is in conjunction with the city of Trinity. Currituck County Shred Event. Thursday, June 10, 2021.PAYROLL DEDUCTION
How it works. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. LGFCU Visa® Credit Cards are not eligible for Payroll Deduction payments. You also can have deductions deposited into Share, Money Market, IRA, Holiday Cash Club and Checking accounts. Deductions can be divided among as many eligibleLGFCU
HELOC | HOME EQUITY LINE OF CREDIT | LGFCUHOME EQUITY LINE OF CREDIT RATESUNDERSTANDING HOME EQUITY LINE OF CREDITWHAT IS HOME EQUITY LINE OF CREDITNO COST HOME EQUITY LINE OF CREDITREQUIREMENTS FOR HOME EQUITY LINE OF CREDITTERMS OF HOME EQUITY LINE OF CREDIT A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle.MOBILE CONNECT
If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. BUILD, BUY OR REMODEL: LGFCU HOME LOANS Build, buy or remodel: LGFCU home loans. No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you.HOW TO JOIN
Fill out the LGFCU Membership Form. Call 888.732.8562 to submit your application through 24/7 Member Services. Or bring your application toa branch near you.
BEST MORTGAGE, LOAN AND DEPOSIT RATES AT LGFCU The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or afterthe 15th
COMPASS, FREE MONEY MANAGEMENT FROM LGFCU Compass creates vivid, easy-to-understand charts and graphs of your finances. Since it keeps everything up-to-date automatically, making comparisons or seeing your goals progress over time is simple. You'll easily find what you need to know. View accounts - From all financial institutions. Review transactions - In one place, from all youraccounts.
CONTACT LGFCU FOR YOUR MEMBER AND ACCOUNT SERVICE NEEDS Call 888.732.8562. To report a lost or stolen card. To report fraud. For all account and member service needs. Calls are toll-free for members anywhere in the United States. Our member service support staff are in North Carolina to handle your needs 24 hours a day, 7 days a week. Your calls with the Credit Union may be recorded forquality
HELOC | HOME EQUITY LINE OF CREDIT | LGFCU A HELOC is a line of credit that allows you to borrow against the value, or equity, built up in your primary, vacation or second home, or a rental property. A HELOC is open-ended, so you can withdraw only the money you need, as you need it, within a specific time period. Borrow any amount up to your credit line at any time within 15 years SHARE TERM CERTIFICATES Prior to your share term certificate’s maturity date, a notice is sent to you. You can choose to have the dividend and/or principal transferred to a deposit account of your choice. Or when the term ends, simply let the certificate renew automatically. For 6- and 12-month certificates, you can request, at maturity, that earnedinterest be
LGFCU PRODUCTS AND SERVICES LGFCU is the only statewide credit union exclusively serving municipal and county employees, elected/appointed officials, local government volunteers and their families. SIMPLIFY YOUR LIFE WITH APPS AND ONLINE TOOLS Check with the IRS for income limits for using this program for free. FreeFile is available for use at the end of January 2019. No matter your income level, you can also use TurboTax online to file both your state and federal returns. It’s available year-round, 24/7. TurboTax also allows you to have your refund deposited into an LGFCU account. TEST YOUR TAX KNOWLEDGE WITH THIS QUIZ Test your tax knowledge. Think you’ve got the tax facts? Take this tax quiz and see! You don't need to be a tax ninja to ace our quiz, but some basic knowledge about taxes and IRS regulations can help you earn a perfect score! Quiz Maker - powered by Riddle. Skip to main content* __Member Connect
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IN THE SPOTLIGHT
A loan for your second homeSave on summer fun
Prepare in advance of a weather emergencyDID YOU KNOW?
REVIEW BENEFICIARY DESIGNATIONS. Don’t accidentally disinherit your children! If your will names beneficiaries different from those designated on bank accounts or insurance policies, those bank accounts and insurance designations trump those in your will. Review your beneficiary designations and will together to make sure your assets go to the people you reallywant.
MAKE SAVING AUTOMATIC. Pay yourself first! Use automatic deductionsfrom your
payroll or checking accounts to make deposits in IRAs, mutual funds, or other savings and investment accounts. IF YOU’RE AN LGFCU MEMBER, YOUR FAMILY MEMBERS CAN JOIN, TOO! Invite your spouse, children, grandchildren, parents, siblings, grandparents, and other family members to join the Credit Union focused on you! See a complete listof who’s
eligible to be a member. REVIEW YOUR WILL REGULARLY. If you created a Last Will and Testament several years ago, it might need updating. Try to review your will at least every three years. LGFCU can help you get it done with the Estate Planning EssentialsProgram
.
BIG LIFE CHANGES? REVIEW YOUR INSURANCE. Have you recently gotten married or had a child? If so, you should review your insurance needs. Consider purchasing a Life Insurancepolicy or
adding to what you may already have.Enroll in BillPay
YOU DON'T HAVE TO PAY FOR YOUR CREDIT SCORE If you have a loan with LGFCU, log in to Member Connect where you can see your FICO credit score for free. Your score isupdated quarterly.
MAKE YOUR ESTATE PLAN TODAY! Don’t wait until your hair begins to gray to plan for your estate.
Secure your wishes and intents in the present by completing your will, your health care directive, and a durable power of attorney. LGFCU IS A PART OF AN INTERNATIONAL MOVEMENT THAT PUTS PEOPLE FIRST While our focus is North Carolina, we’re also a part of the worldwide credit union movement! That’s why in October we celebrate International Credit Union Day. This day is dedicated to member appreciation and the seven basic principles that make credit unions unique. See how LGFCU lives those valueseveryday.
START EARLY FOR TAX TIME. Don’t wait until the last minute to get organized for tax time. Set aside an hour or two each month to gather and properly store receipts, cancelled checks, and other documents necessary to prepare your taxes. Take it one step farther by scanning your information. MAKE YOUR WISHES KNOWN. Leave clear instructions about medical decisions that need to be made on your behalf if you can't make them. Aliving
will and a Healthcare Power of Attorney help make it easier for your loved ones to make tough decisions. Find out more about these important documents at Estate Planning Essentials.
BLOW YOUR BUDGET? DON’T GIVE UP. Okay, so you overspent and now you’re over budget. Don't get frustrated. Start fresh the next month and commit to stay in budget. If you need help with your finances get information here or make an appointment for financial counselingat a branch near
you.
SHOULD YOU HAVE A SPECIAL NEEDS TRUST? If you have a disabled adult child receiving public benefits, aSpecial Needs Trust
might be good to consider. This will help you gift money to your child upon your death while still protecting those public benefits. Talk to an attorney specializing in Special Needs Trusts to determine if thisis right for you.
THE LGFCU ROUTING NUMBER IS 253184537 These nine numbers are always shown at the bottom of all pages on this website and on the Contact Us page. And, if you have checks and deposit slips, the number is printed on the bottom leftcorner.
YOU’RE A MEMBER AND AN OWNER OF LGFCU One member, one voteis how LGFCU
members equally participate in electing the leadership, setting policies and making decisions about the Credit Union. We’re a financial cooperative owned and controlled by members. It’s what makes credit unions different from banks. ROTH IRA: TAX-FREE RETIREMENT MONEY Fund your retirement savings with after-tax dollars now. Then withdraw your earnings tax-free later with a Roth IRA . Discover what an IRAcan do for you.
Tap. Pay. Go. with Apple Pay How to change your mailing address in Member Connect DENIED A LOAN? APPEAL IT! Did you know we have a Loan Review Committeemade
up of member volunteers? Members have the right to ask this committee to reevaluate a loan decision. This is one of the unique benefits our Credit Union offers that banks don't. LOCK DOWN YOUR HOME NETWORK Got guests? Create another wireless network name and password on your home router specifically for visiting devices. You’ll improve the security of your wireless network since it’s separate from the family network. Tap. Pay. Go. with Samsung Pay TURN LUNCH MONEY INTO RETIREMENT MONEY Eat lunch in for a week. If that saves you $25, use it to open a Roth IRA . It’s one small way you can get started saving for retirement. Then, let your money grow tax-free until you need it. STRONG PASSWORDS PROTECT YOUR DEVICES Whether you wear or carry your device, adding a strong password or passphrase can help keep devices secure anytime, anywhere. A strong
password can’t easily be guessed, is longer, and uses a mix of upper and lowercase letters, numbers and symbols. EVERYONE NEEDS AN ESTATE PLAN Even if you don’t think you have a lot of assets or you're too young, you still need an estate plan – especially if you have young children. When you create a will, name a guardian to take care of your children upon your death. You’ll be able to rest in peace, knowing the person you chose is incharge.
USE MEMBER CONNECT TO ORDER CHECKS You can order new checks or reorder your supply just by logging in toMember Connect
.
Choose the Services tab, go to the Order menu and select Checks. HELP FOR A FINANCIAL EMERGENCY In case of an extreme financial emergency, avoid increasing your debt by borrowing against high-interest rate credit cards. And never visit a payday lender! A small, short-term, low-interest loan against future salary  from a trusted lender like LGFCU may be your best bet.Saving for college
TECH SUPPORT SCAMS
If an unknown caller says your computer needs an emergency update, hang up. Tech support scams can steal your money or worse, install a virus or malware on your computer, mobile or electronic devices. Only let people you know and trust access your devices. SOMETIMES A DIY WILL ISN’T ENOUGH While do-it-yourself wills are cheaper, you might overlook something important that ends up costing your family to lose money or assets. An estate planning attorney in our Estate Planning Essentials program will ask you the right questions to make sure nothing ismissed.
SAVE FOR EDUCATION. GET TAX BREAKS! Coverdell Education Savings Accounts and 529 Plans allow tax-deferred growth of investments and experience no taxes when withdrawn for qualified educational purposes. A SAVINGS ACCOUNT FOR MORE THAN JUST HOLIDAYS Save all year and get a payout in late October! Use the money for travel, to start an emergency fund, cover homeowner expenses, or for whatever you may need. That's the flexibility of a Holiday Cash ClubAccount
.
CATCH UP ON RETIREMENT SAVING If you’re age 50+, you may need to save more to fully fund your retirement. You can put extra money into a plan like a Roth IRA.
Get caught up by making a contribution over the standard limit.CHANGING JOBS?
Resist the temptation to withdraw funds from your retirement account. Roll your funds into your new employer’s plan or into an IRA to save you from taxes and penalties. TRACK YOUR EXPENSES. Tracking your expenses is key to staying on budget. Make sure you use a checkbook register, a spreadsheet or an online tool to help keep youon track.
LGFCU IS A COOPERATIVE That just means we’re a group of people united to meet our common economic needs. We’re a member-owned, democratically-controlled cooperative, doing business using these credit union values.
SHOPPING FOR A CAR?
Do a little research to get the best deal possible. Visit multiple dealerships and don’t be afraid to walk away if you don’t like what the dealership is offering you. Or use a car buying serviceand
leave the negotiations to a trusted source. DON’T TAKE PHISHING SCAM BAIT If you’ve ever gotten an email saying you won a prize from a contest you didn’t enter or that a foreign prince wants you to cash a check, then it’s probably a phishing scam. Thieves hope to trick you into sharing personal and financial details. Spot the signs of a phishingattack
.
If the message seems weird, don’t click; delete it. CHOOSE YOUR EXECUTOR WISELY. When choosing an executor to handle your estate, choose someone with some financial savvy. Many people choose a relative or close friend simply because of a personal bond. But if that person knows nothing about how to handle your finances – or doesn’t want to – you’re better off naming someone capable and willing to ensure your wishes are carried out. EVERY DOLLAR COUNTS WHEN SAVING FOR RETIREMENT. No amount of money saved toward retirement is too small. Even when money is tight, small, consistent contributions to your retirement accounts will make a big impact over time. Enroll in Member Connect PUT TAX REFUNDS TO WORK. Getting a tax refund? Consider using the funds to pay off debtor put into
savings
to
improve your financial situation. YOU GET A SECOND CHANCE HERE Members have the right to appeal the decision when a branch office denies a loan or credit card application. Discover how the volunteer Loan Review Committeecould
help you.
TAKE ADVANTAGE OF EMPLOYER-BASED RETIREMENT PLANS. Learn as much as you can about the plan. Contribute the maximum possible for you. Then get familiar with your investment options and invest based on your goals. USE SCHOLARSHIPS FIRST TO PAY FOR COLLEGE Look for scholarships before turning to financial aid to pay for college. Learn about the LGFCU Scholarshipand find
other resources at www.cfnc.org . Make a stop payment request SEND MONEY FAST WITH A WIRE TRANSFER A wire transfer is perfect for sending or receiving a large sum of money quickly and safely. Find out more, then contact
your local branch to get started. VOLUNTEERS ARE THE LGFCU SECRET SAUCEOur volunteers
are the
best example of the credit union grassroots philosophy "people helping people!" Contributing time without pay, volunteers are crucial toLGFCU’s success.
LIFE CHANGE? UPDATE YOUR WILL! Remember to update your will each time you have major life changes such as marriage, divorce or starting a family. Get it done with the Estate Planning Essentials Program.
WHERE CAN I FIND THE ROUTING NUMBER? The LGFCU Routing Number is 253184537. These nine numbers are always shown at the bottom of all pages on this website and on the Contact Us page. And, if you have checks and deposit slips, the number is printed on the bottom left corner. FEATURED RATES VIEW MORE 30-Year Fixed 90% or Less LTV3.329% APR*
HELOC
2.75% APR*
* APR: Annual Percentage Rate †APY: Annual Percentage YieldPERSONAL FINANCE
Straightforward financial advice right when you need it! Now it’s even easier to reach your financial goals.Get started
FINANCIAL CALCULATORS Adjustable Rate Mortgage Analyzer How Long Will it Take to Pay off a Debt Should I save this money or pay off my debt?More Calculators
GIVING BACK
LGFCU is paying it forward to our members and to communities acrossNorth Carolina.
See how
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323 West Jones Street, Suite 600Raleigh, NC 27603
© 2021 Local Government Federal Credit Union. All rights reserved. Rate comparisons used throughout the LGFCU site are based on the lowest rate available. Your calls with the Credit Union may be recorded. __ Share your feedback Routing Number: 253184537 Wire Transfer ABA Routing Number: 253177049✖
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