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Lafayette Federal Credit Union

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Lafayette Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lafayette Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Lafayette Federal Credit Union's Personal Loan Rates are as low as 8.99%. MonitorBankRates evaluates the financial stability of Lafayette Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.80%. Rates last updated and verified on 09/23/2026.

Lafayette Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lafayette Federal Credit Union? Share your experience about Lafayette Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lafayette Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.80%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Lafayette Federal Credit Union
Norman Cohen Financial Service Center

2701 Tower Oaks Blvd
Rockville, MD 20852

https://www.lfcu.org

Lafayette Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.00%	36 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Auto Loan	-	-	5.00%	48 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Used Auto Loan	-	-	5.00%	36 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Used Auto Loan	-	-	5.00%	48 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic Vehicle Loans - 60 Months	-	-	5.50%	60 Months
Details The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Auto Loan	-	-	5.50%	60 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Auto Loan	-	-	5.50%	72 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Used Auto Loan	-	-	5.50%	60 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Used Auto Loan	-	-	5.50%	72 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic Vehicle Loans - 72 Months	-	-	5.75%	72 Months
Details The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic Vehicle Loans - 84 Months	-	-	6.00%	84 Months
Details The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic Vehicle Loans - 120 Months	-	-	6.25%	120 Months
Details The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Auto Loan	-	-	6.25%	84 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Used Auto Loan	-	-	6.25%	84 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic or Restoration Vehicles Loan	-	-	8.00%	60 Months
Details APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic or Restoration Vehicles Loan	-	-	8.25%	72 Months
Details APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Classic or Restoration Vehicles Loan	-	-	8.50%	84 Months
Details APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%

Lafayette Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loans	-	7.25%	36 Months
Details APR=Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Motorcycle Loans	-	7.50%	48 Months
Details APR=Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
New Motorcycle Loans	-	7.75%	60 Months
Details APR=Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Boat Loans - Up to 12 years	-	9.00%	Up to 12 years
Details Amount: $20,001 to $75,000; As Low As; Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Boat Loans - Up to 15 years	-	9.00%	Up to 15 years
Details Amount: $75,001 to $150,000; As Low As; Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
Boat Loans - Up to 5 years	-	9.00%	Up to 5 years
Details Amount: $5,000 to $20,000; As Low As; Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
RV Loans	-	9.00%	Up to 5 years
Details Amount: $5,000 to $20,000; As Low As; Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. APR reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
RV Loans	-	9.00%	Up to 12 years
Details Amount: $20,001 to $75,000; As Low As; Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. APR reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%
RV Loans	-	9.00%	Up to 15 years
Details Amount: $75,001 to $150,000; As Low As; Actual rate may be higher based on income, credit worthiness, and loan to value. Loan amount up to 90% of value, up to $150,000. Vehicles for personal, non-business use and houseboats used as primary residences as defined by the IRS and NCUA only. APR reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%

Lafayette Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.99%	Up to 7 years
Details $500 - $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%

Lafayette Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Line of Credit	-	-	9.99%	Revolving
Details $500- $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lafayette Federal Credit Union’s Texas Ratio rose from 7.36% in Q2 2023 to 9.80% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.1B	9.80%	5.0	A
December 31, 2025	$2.2B	13.33%	5.0	A
September 30, 2025	$2.2B	9.10%	5.0	A
June 30, 2025	$2.0B	9.03%	5.0	A
March 31, 2025	$2.0B	7.78%	5.0	A
December 31, 2024	$2.0B	7.95%	5.0	A
September 30, 2024	$2.0B	7.52%	5.0	A
June 30, 2024	$2.0B	7.19%	5.0	A
March 31, 2024	$2.0B	8.01%	5.0	A
December 31, 2023	$2.0B	8.70%	5.0	A
September 30, 2023	$1.8B	8.91%	5.0	A
June 30, 2023	$1.9B	7.36%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lafayette Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lafayette Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lafayette Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lafayette Federal Credit Union

Website https://www.lfcu.org

Address 2701 Tower Oaks Blvd, Rockville, MD 20852

Phone 301-929-7990

Fax

President Mary Jo Morris

CEO John Farmakides

Full-Time Employees 243

Part-Time Employees 1

Branch Locations 12

ATM Locations 12

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.80%

Return on Assets (ROA)

0.0319%

Return on Equity (ROE)

0.2625%

Non-Performing Loans Ratio (NPL)

3.07%

Total Assets

2,135,201,492

Total Amount of Shares and Deposits

1,853,285,140

Total Shares and Deposits < 1 Year

1,006,638,616

Total Shares and Deposits 1 3 Years

657,578,837

Total Shares and Deposits > 3 Years

189,067,687

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

518,649,588

Total Uninsured Shares and Deposits > $250K (F+J)

518,649,588

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,334,635,552

Total Interest Expense (Sum of items 6 8)

16,737,415

Share Certificates

27,485

Number of Accounts for Share Drafts

26,298

IRA KEOGH Accounts

717

Number of Accounts for Regular Shares

80,152

All other shares

8,642

Non Member Deposits

Money Market Shares

296

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

877,738,596

Total Liabilities

1,888,758,537

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Lafayette Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Lafayette Federal Credit Union

How many branches does Lafayette Federal Credit Union operate?

Lafayette Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lafayette Federal Credit Union?

Yes, to access services at Lafayette Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lafayette Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lafayette Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lafayette Federal Credit Union offer online and mobile banking?

Most modern institutions like Lafayette Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lfcu.org.