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Experience More !

At Latino Community Credit Union, we’re committed to enhancing your EXPERIENCE. That’s why we’re excited to bring you MORE this September 2024.

Over the next few months, we will elevate our credit union to provide you with even more convenience, services, and control over your accounts. This new experience isn’t just about change; it’s about empowerment. We’re dedicated to delivering improved security measures, enhanced services, and greater account management convenience. Every aspect of Experience More is geared towards equipping you with the tools you need to achieve your financial goals.

Keep reading and explore how your financial well-being is our top priority. We also invite you to experience more with us by visiting this page regularly. Here you will find all the latest updates before, during, and after this innovative period we are thrilled to share together.

Online Access

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ATMs

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Lending

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My Account

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Experience More

Experience More is the period of growth and empowerment at Latino Community Credit Union. During this period, members will experience a series of upgrades, changes, and software enhancement aimed at providing you with new and improved products and services.

Effective September 2024, members will be able to manage their accounts with more ease and enjoy better products and services. 

Yes, as a top priority for us, your accounts and funds will remain safe and secure throughout all upgrades.

Yes, we will continue to maintain industry best practices to safeguard members’ sensitive information throughout the upgrades.

Upgrades will enable LCCU to operate more efficiently and provide new functionality and benefits but expect some service interruptions.

Expect more benefits and new features. Our ATMs, Cards, Statements, and Mobile App will also have a new look.

We invite you to update your personal details like email, phone number, and home address to keep your accounts active with the most up-to-date contact information. If not already signed up, we also recommend enrolling in e-statements to download and archive your statements for records.

Yes, to keep you informed every step of the way, we'll be sending key information about any changes via email, social media, and mail. We also recommend visiting this webpage often before, during, and after September to get the latest updates.

Yes, access to your accounts at our branches and through your member access will remain the same.

Online Access

Online Access upgrades will benefit members with a fresh updated new app, management tools, account alerts, loan application capabilities, Spanish language integration, top-notch security, and more convenient features at your fingertips. 

Member Login will be available in September through our website and our mobile app.

Your user ID and password for Online Access will not change. However, if your current password does not meet our new criteria, you will be prompted to create a new one that does during your login session.

No, the LCCU mobile app will automatically update with a new look and features in September.

Yes, members will have account opening possibilities using our Online Access or mobile app.

A delay in viewing your account history may occur after September. We recommend downloading your statement history prior to September. To download your statements now, simply sign in to Online Access and click on the Statements tab located under Accounts. You may also call us at (919) 595-1800 to request your current statements via phone or visit one of our branches for printed statements.

Existing account nicknames will not be available after September. You will have the option to re-name your accounts with a new nickname of your choice.

Yes, video tutorials and a written guide will be available on our website after September for members wanting to enroll in e-statements using our new online access.

ATMs

After September, LCCU members will no longer be able to make deposits at CashPoints ATMs. However, members can still use them for free cash withdrawals. 

We are extending our ATM Network nationwide! A new network of ATMs is coming this fall that will allow members free cash withdrawals, cash deposits, check deposits, and account balance inquiries.

Yes, members can continue using CashPoints as usual until September. After September, you will only be able to perform cash withdrawals for free.

New ATMs will be available at our branches, statewide and nationwide.

New ATMs will first be sporadically available at all of our branch locations starting in May for withdrawals and inquiries only. Most full-service ATMs will become available statewide and nationwide after September 9th, but not all ATMs will be able to accept deposits.

New ATMs at LCCU branches can perform cash withdrawals and account balance inquiries. Cash deposits, and check deposits will also be available later this fall. Many ATMs in the new network statewide and nationwide will also have these services available starting this fall.

Yes, our new ATMs will be available for use before September for cash dispensers and balance inquiries only.

Yes, new ATMs will also be available in Spanish.

All ATM/cash-only cards will be reissued as a new debit card. They can be activated starting September 6th. Please note that your new card can be used free of charge on CashPoints ATMs for withdrawals and inquiries only.

Yes, Members will have the opportunity to choose their new PIN# when activating your new card on or after September 6th.

No, you can activate your new card on or after September 6th by calling the number listed on the sticker label of your new card.

Starting in September, you will still be able to check your account balances through our ATM network, but please note that loan balances will not be available.

Yes, funds transfers will still be available when using the new ATMs with the exception of transferring to a loan or making a loan payment.

 

Yes, cash and check deposits will be possible later this fall using our new ATMs at our branches and some locations nationwide.

Currently, members can use CashPoints ATMs for free, while any other non-LCCU related ATMs may charge a fee. After September, non-LCCU related ATMs may apply additional charges or fees.

Lending

Consumer Lending

We will introduce Credit Life and Disability Insurance for Credit Cards. This new addition will provide an extra layer of security and support for our members. We will announce additional details soon and any other product upgrades.

No, there won’t be any changes to your loan agreement.

Your loan or credit rate will not change.

No, you will not be reissued a new credit card. Credit cards will remain active and replaced with the same number until their expiration date or a new one is requested.

Yes, your credit card statement will be sent as a separate statement.

Yes, loan payments will remain as scheduled.

No, loan requirements will not change.

You will be able to apply in-person through our branches, by phone with our contact center, via our Online Access, or mobile app.

You will be able to complete an application via our Online Access, or our new mobile app.

Yes, you will be able to view your loans via Online Access, or our mobile app.

Members will continue to make payments through Member Access. 

Yes. Please note that a delay in viewing your loan history may occur after September. We recommend downloading your loan history prior to September. To obtain your loan history, simply sign in to Online Access, call us at (919) 595-1800 or request your loan history at one of our branches.

If you are only a joint owner on an account and do not have an individual account, you will need to open an individual general membership account to apply for an individual loan.

Real Estate Lending

There will be no new mortgage loan products after September.

Yes, there will be no change in payments. We will announce if there may be a delay in payments posting in September due to the upgrade, however it will be back-dated accordingly.

No, there will not be any changes to your loan agreement.

The same options you have today will be the same available options after September.  There is a form to complete in your member access that you can submit, and a loan officer will contact you to take the application via email or phone. 

Yes, but a delay in viewing your loan history may occur after September. We recommend downloading your loan history prior to September. To download your loan now, simply sign in to Online Access, call us at (919) 595-1800 to request your current history via phone or visit one of our branches. 

The rates can change based on your loan product and Loan Agreement, which is not affected by our upcoming systems upgrade.

Loan requirements should be the same since the lending policy is not changing at this time for mortgages.

My Account

All accounts will remain the same, with the exception of CashPoint Global accounts, which will now be labeled as ‘Cash Account’ after September.

LCCU’s ACH Routing Number will remain the same: 053185503

Account numbers will not change.  

Some fees and account disclosure changes are expected. Members will be notified in advance of the effective date for any fee or disclosure changes. Up-to-date information is also always available on our legal page, located in the website footer.  

No, for enhanced security measures, members will need to authenticate via different methods starting in September.

A message from the LCCU staff: 
While much of the work will happen behind the scenes, we understand that there may be brief disruptions. Rest assured; we’re working diligently to ensure these upgrades are as seamless as possible for you. We apologize in advance for any inconveniences this may cause and sincerely appreciate your patience throughout this process.  
Wait times for our Contact Center and at our branches may be longer than normal as we assist members with our new and improved services. Be sure to check back frequently, as we’ll be updating this page regularly. 
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