{"id":15978,"date":"2023-03-14T14:45:25","date_gmt":"2023-03-14T18:45:25","guid":{"rendered":"https:\/\/latinoccu.org\/?p=15978"},"modified":"2023-06-26T16:01:03","modified_gmt":"2023-06-26T16:01:03","slug":"your-deposits-are-safe-with-lccu","status":"publish","type":"post","link":"https:\/\/latinoccu.org\/es\/your-deposits-are-safe-with-lccu\/","title":{"rendered":"Sus dep\u00f3sitos est\u00e1n seguros con LCCU"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15978\" class=\"elementor elementor-15978\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ff877f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ff877f6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-13550b92\" data-id=\"13550b92\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-470b7a9a elementor-widget elementor-widget-text-editor\" data-id=\"470b7a9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Despu\u00e9s de las noticias de la quiebra bancaria en California la semana pasada, puede ser que usted se est\u00e9 preguntando c\u00f3mo es que LCCU es diferente y mantiene sus dep\u00f3sitos seguros. En LCCU, administramos cuidadosamente nuestros fondos de dep\u00f3sito para garantizar las mejores tasas, acceso y uso de fondos para nuestros socios.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-207a091 elementor-widget elementor-widget-text-editor\" data-id=\"207a091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><strong>Como una cooperativa financiera que es propiedad de nuestros socios-due\u00f1os y est\u00e1 enfocada en el desarrollo comunitario, nuestra prioridad principal es el bienestar financiero de nuestros socios. <\/strong>LCCU es fundamentalmente diferente de los bancos impulsados por las ganancias y que cuyos clientes est\u00e1n concentrados principalmente en una sola industria, como la de la tecnolog\u00eda.<\/p><p style=\"font-weight: 400;\"><strong>Insured Deposits<\/strong>:\u00a0 All deposits in LCCU are automatically insured up to $250,000 by the National Credit Union Administration (NCUA). \u00a0The NCUA is the Federal insurer of credit unions, equivalent to the Federal Deposit Insurance Corporation (FDIC) for banks. Since the creation of NCUA in 1970, no credit union members have lost any insured deposits.<\/p><p style=\"font-weight: 400;\"><strong>Diversification<\/strong>: LCCU has over 120,000 members which means that loans and deposits are not concentrated in just a few members.\u00a0 Unlike single-industry banks, our members work across a range of industries that are not as significantly impacted by changes in the economy.<\/p><p style=\"font-weight: 400;\"><strong>Financial Strength<\/strong>:\u00a0 Since 2000, LCCU has been carefully growing, with an exceptionally strong financial base and conservative financial management.<\/p><ul><li style=\"font-weight: 400;\"><strong>Capital Ratio<\/strong> \u2013 LCCU has over 2 times the required capital base for credit unions to be considered well capitalized. \u00a0This is the reserve that financial institutions maintain to cover potential losses.\u00a0 Due to our great membership who repay loans diligently, LCCU has an extremely low loss ratio of only 0.13%, which is nearly half that of our peers.<\/li><li style=\"font-weight: 400;\"><strong>Liquidity<\/strong> \u2013 LCCU maintains strict liquidity ratios, well over the required amounts, to ensure we always have the liquidity to provide members their deposits on demand, even if withdrawal demand rises unexpectedly. LCCU is conservative with its excess cash and never ties up its funds in risky or long-term investments. LCCU\u2019s current cash to deposits ratio is 17%, well over the industry average of 7%. We also maintain access to multiple liquidity sources. Unlike most profit-driven banks, LCCU&#8217;s largest depositors are primarily mission-oriented and committed to LCCU\u2019s long-term success.<\/li><li style=\"font-weight: 400;\"><strong>Income<\/strong> \u2013 \u00a0Unlike some banks that depend on investments to generate revenue, LCCU\u2019s income comes from its lending which has increased 25% annually over the past five years. This helps to ensure the financial strength and stable growth of your credit union.<\/li><li style=\"font-weight: 400;\"><strong>Regulation<\/strong> \u2013 LCCU is regulated by the NC Credit Union Division and undergoes annual examinations as well as multiple independent audits each year.<\/li><\/ul><p style=\"font-weight: 400;\">Because of this exceptional financial strength, LCCU can always accept additional deposits from our members, at our consistently competitive rates.\u00a0 Our term certificates continue to be a safe and attractive choice, with <a href=\"https:\/\/latinoccu.org\/es\/rates\/\">rates<\/a> above the industry average.\u00a0 Your deposits are insured up to the NCUA limits of $250,000 for an individual account and $500,000 for joint accounts.<\/p><p style=\"font-weight: 400;\">We thank you for your membership!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>After the news of a large bank failure in California last week, you may be wondering how LCCU is different and keeps your deposits secure.\u00a0 At LCCU, we carefully manage our deposit funds to ensure the best rates, access, and use of funds for our members. As a member-owned, community development credit union, our top [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-15978","post","type-post","status-publish","format-standard","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your deposits are safe with LCCU - latinoccu.org<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latinoccu.org\/es\/your-deposits-are-safe-with-lccu\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your deposits are safe with LCCU - latinoccu.org\" \/>\n<meta property=\"og:description\" content=\"After the news of a large bank failure in California last week, you may be wondering how LCCU is different and keeps your deposits secure.\u00a0 At LCCU, we carefully manage our deposit funds to ensure the best rates, access, and use of funds for our members. As a member-owned, community development credit union, our top [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/latinoccu.org\/es\/your-deposits-are-safe-with-lccu\/\" \/>\n<meta property=\"og:site_name\" content=\"latinoccu.org\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-14T18:45:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-26T16:01:03+00:00\" \/>\n<meta name=\"author\" content=\"Chelsea Contreras\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chelsea Contreras\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/\"},\"author\":{\"name\":\"Chelsea Contreras\",\"@id\":\"https:\/\/latinoccu.org\/#\/schema\/person\/5f9f92ab9cf81baeb40912be4ec3c7e8\"},\"headline\":\"Your deposits are safe with LCCU\",\"datePublished\":\"2023-03-14T18:45:25+00:00\",\"dateModified\":\"2023-06-26T16:01:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/\"},\"wordCount\":458,\"articleSection\":[\"News\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/\",\"url\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/\",\"name\":\"Your deposits are safe with LCCU - latinoccu.org\",\"isPartOf\":{\"@id\":\"https:\/\/latinoccu.org\/#website\"},\"datePublished\":\"2023-03-14T18:45:25+00:00\",\"dateModified\":\"2023-06-26T16:01:03+00:00\",\"author\":{\"@id\":\"https:\/\/latinoccu.org\/#\/schema\/person\/5f9f92ab9cf81baeb40912be4ec3c7e8\"},\"breadcrumb\":{\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/latinoccu.org\/your-deposits-are-safe-with-lccu\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/latinoccu.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Your deposits are safe with LCCU\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/latinoccu.org\/#website\",\"url\":\"https:\/\/latinoccu.org\/\",\"name\":\"latinoccu.org\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/latinoccu.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/latinoccu.org\/#\/schema\/person\/5f9f92ab9cf81baeb40912be4ec3c7e8\",\"name\":\"Chelsea Contreras\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/7e296557d6dc50337b6cdb78214dbc46778d43d3df88bf9a5a90bf7025682073?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7e296557d6dc50337b6cdb78214dbc46778d43d3df88bf9a5a90bf7025682073?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7e296557d6dc50337b6cdb78214dbc46778d43d3df88bf9a5a90bf7025682073?s=96&d=mm&r=g\",\"caption\":\"Chelsea Contreras\"},\"url\":\"https:\/\/latinoccu.org\/es\/author\/ccontreras\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Your deposits are safe with LCCU - latinoccu.org","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/latinoccu.org\/es\/your-deposits-are-safe-with-lccu\/","og_locale":"es_MX","og_type":"article","og_title":"Your deposits are safe with LCCU - latinoccu.org","og_description":"After the news of a large bank failure in California last week, you may be wondering how LCCU is different and keeps your deposits secure.\u00a0 At LCCU, we carefully manage our deposit funds to ensure the best rates, access, and use of funds for our members. 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