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How LCCU Protects You

Learn more about what we do to keep you safe

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We employ strategic security controls to keep your personal and account information secure.
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  1. We use a multi-layered approach to protect you
  2. We provide the Intelligent Defense Check (ID Check) security feature to our members for added online protection. ID Check verifies user identity upon sign on to help ensure the privacy and security of our members’ personal and account information. If certain identification criteria (e.g., location, browser, etc.) do not match previous successful login information, members may be prompted to provide additional authentication before gaining access to their online accounts.
  3. Unique, alphanumeric User ID and Password are defined and maintained by you
  4. We store the complex computer or mobile device identifiers that come to us naturally when you access our site. We use this data for additional authentication
  5. All online sessions are encrypted using Secure Socket Layer (SSL) technology
  6. Automated time-out functionality for inactive sessions logs you out if you forget to log off
  7. Limited functionality on our Mobile sites prevents a fraudster from taking your money if you leave your smartphone unattended
  8. Exclusion of account numbers on all Two-Way text messages and Alerts protects account information that is sent to your smartphone
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Fraud detection, or online forensics, plays a critical role in enabling us to protect your assets by allowing us to identify threats. The following are some of the steps we use:

  1. Real-time monitoring of online and card transactions using neural net technology
  2. Multiple firewalls, anti-virus systems, and multiple intrusion detection and prevention systems
  3. Branding protection to guard against spoofing
  4. Anti-Phishing and Anti-Trojan systems
    • Monitoring of over 3.5 bil emails worldwide each day
    • Extensive counter-measures to bring down fraudulent sites
    • Monitoring of fraudulent networks to identify and obtain card and credential information available for sale in the underground markets
  5. Regular independent, external audits and 3rd party vulnerability testing of our systems and network including ‘hack attacks’ to try to break into our systems
  6. External fraud detection services to complement our internal efforts
  7. Daily web log review for attacks, threats, hackers, uploads, downloads, and attempted access from questionable locations
Online security is a joint effort between LCCU and you. To ensure that every measure is taken to keep your information and account access secure, please review some of the additional measures you may take to protect yourself.