VISA®DEBIT CARD
Enjoy access to your funds 24 hours a day, 7 days a week! Our card works like a check but acts like a VISA card. With a network of ATMs, in the Rochester area, you will have surcharge free access to your checking account.

Worried about bounced checks?
Apply for an overdraft line of credit and ease your mind! If you accidentally overdraw your checking account, LFCU will automatically advance the necessary funds from your credit line. Your check will be paid without being returned, and there is no expense to you if you don’t use your line of credit.

If you choose not to apply for an overdraft line of credit, LFCU offers yet another option to cover bounced checks. Our share transfer overdraft allows us to transfer funds from your savings account in the exact amount needed to pay your checks. Ask for details about this convenient option.

DIRECT DEPOSIT
Lyell Federal Credit Union offers Direct Deposit (payroll deduction) from virtually any payroll department or government office. Enjoy the ease and security of having your pension checks or Social Security deposited directly into your account at LFCU. Your LFCU loans can be automatically paid without the hassle of a monthly bill and you will have peace of mind knowing that the payments are made on time each month! The Lyell Federal Credit Union Routing and Transit number is 222382137. Your payroll department will need this number to process the payroll that you would like directed to your account(s).

      LOAN PRODUCTS

At Lyell Federal Credit Union you’ll find competitive rates on a variety of loan products such as auto, recreational vehicle, personal, vacation, holiday, home equity, home improvement, and mortgages! If you arrange to pay your monthly loan payment using our direct deposit/auto-pay option, you will receive an additional .25% off the annual percentage rate! (Offer not valid on home equity lines of credit and overdraft lines of credit)  View our current rates or apply online for a loan.

AUTOMOBILE/RECREATIONAL VEHICLE LOANS

With an auto loan from LFCU, you can finance a new or used car with flexible terms and affordable monthly payments. With our fast approval process, you could be driving a new car sooner than you think! We will also finance motorcycles, boats, and RV’s.

PERSONAL LOANS

A personal loan from LFCU will help you pay for life’s unexpected challenges. Whatever your loan needs, be sure to ask a member service representative about the best way to finance your purchase.

VACATION AND HOLIDAY LOANS

Thinking of taking the trip of a lifetime or buying the perfect gift for that special person? Our vacation and holiday loans are for a term of 12 months with a $2000 limit. The holiday loan is offered from October 1st thru January 31st while the vacation loan is offered throughout the remainder of the year.

SHARE SECURED LOAN

This low interest loan is secured by your savings and is for our members who want to maintain a balance in their savings account yet need money for a variety of reasons. Reap the benefits of a loan while continuing to earn interest on your deposits.

OVERDRAFT LINE OF CREDIT

If you accidentally overdraw your checking account, LFCU will automatically advance the necessary funds from your credit line (up to your available limit) to your checking account. Your check will be paid without being returned. There will be no expense to you if you don't use your line of credit.

HOME IMPROVEMENT LOAN

Home Improvement loans are available to those members who may not have equity built up in their homes and prefer a low interest, fixed rate product for their home inprovement needs.

HOME EQUITY PRODUCTS

HOME EQUITY LINE OF CREDIT

LFCU offers three convenient options for borrowing against your home's equity. With our Home Equity Lines of Credit, you have easy access to your funds with no annual fee and no closing costs (if you keep the line of credit open for a minimum of two years). You can finance home remodeling, pay college tuition, take a vacation, or consolidate your high interest bills into one easy payment. Ask a member service representative about a program that will work best for you.

HOME EQUITY LOAN (Installment Loan, fixed rate)

A Home Equity Loan from LFCU is a great way to use the equity in your home to get the money you want in a lump sum for home improvements, vacations, debt consolidation, college tuition, a new automobile and more! Enjoy the security of a fixed monthly payment.

     SERVICES

AUTOMATIC PAYMENT AND DIRECT DEPOSIT

For your convenience, LFCU offers Direct Deposit (payroll deduction) from virtually any payroll department or government office. Your LFCU loans can be automatically paid from your shares account every month by direct deposit and at the same time you will receive .25% off  the annual percentage rate! (Offer not valid on Home Equity Lines of Credit and Overdraft Lines of Credit)

ONLINE ACCOUNT ACCESS

You can access your accounts 24 hours a day, 7 days a week from the comfort of your home or office. To sign up for this convenience click on the tab at the top of this page called "Online Account Access".

NOTARY SERVICES

Ask at our teller window for a member service representative who can assist you with your  Notary needs.