We offer many services to our members and hope you will find them helpful to you. To become a member of the Linkage Credit Union (LCU), you must meet eligibility requirements in the field of membership. Open a share account with a $25 deposit and pay a non-refundable $5 membership fee. Your $25 must stay in the account as long as you are a member. Should you have any questions, please contact a LCU employee. The following is a listing of some of our services.
Share Accounts – $25 to open. Dividends are paid quarterly based on a minimum balance of $100.00 and the average daily balance. Dividend rates are determined by the Board of Directors.
Checking Accounts – $25 to open. A share account is required. No monthly service charge. Interest is paid monthly on all accounts with an average daily balance of $500 or more.
Christmas Club – No minimum balance required to open. A share account is required. Dividends are paid on the same rate as a share account. A check for the balance of the account is sent to you on November 1st of each year. No other withdrawals are permitted without closing the account.
Certificate of Deposit – Time deposits are available in terms of 6, 12, 18, 24 and 36 months with a $500 minimum balance. Penalty for early withdrawal. Call for rates and specials.
Consumer Loans – Available at competitive rates. Credit Life/Disability Insurance, GAP Protection and Extended Warranties available.
Business Checking – $250 to open. Monthly service charge $19. Owner of account must be existing member.
Credit Card – We offer a VISA GOLD card at 9.99%-14.99% APR(Annual Percentage Rate) with no annual fee.
Notary Public – Available to our members free of charge.
Cashier Checks – Available to our members for a $4.00 fee.
ATM & VISA Check Cards – Have 24-hour access to your money.
ATM Machine – (on location) Accessible 24-hours a day.
Home Banking- www.realtimehomebanking.com
Automated Teller – We call her “Penny”. Have 24-hour access to your account history and your account balances by phone.
Mobile Banking– available on your smart phone
Bill Pay– It is easy to set up payment of your bills. Monthly you get 6 FREE & $.50 for each thereafter.
For direct deposit, our routing # is 311989933.
Serving persons who live, work, worship or go to school in McLennan County, Texas along with active or retired U.S. Postal Service workers and their families.