No‑Fee Checking & Savings
Keep more of your paycheck with accounts that don’t nickel‑and‑dime you. No monthly maintenance fees. No surprises.
For CUS Faculty & Staff
Faithful Banking for Your Vocation
No‑fee accounts, competitive loan rates, and digital-first tools—purpose‑built for those who teach, lead, and serve at Concordia universities.
5,000+ Shared Branches
30,000+ ATMs Nationwide
Digital‑First iOS & Android
LCMS‑Focused Member‑Owned
A partner in your life and ministry
Your work shapes students and the Church. We’re here to help you steward resources wisely—with straightforward, no‑nonsense banking that supports your calling.
Benefits made for CUS faculty & staff
Competitive Loan & CD Rates
From autos to personal loans—and CDs that help your savings grow—we work to keep rates member‑friendly.
Digital Tools That Travel
Mobile deposits, bill pay, P2P transfers, and Credit Score & More powered by SavvyMoney—right where you need them.
For the LCMS Community
We’re member‑owned and mission‑driven—serving church workers and families across all 50 states.
“LFCU understands the unique needs of those who serve in Lutheran higher education. It’s banking that shares our values.”
— Concordia Professor, Member since 2025
Your security is our priority. We use industry‑standard safeguards for online and mobile banking.
Insured by NCUA. Equal Housing Lender.
Join in minutes
1
Apply Online
Complete a simple application—no branch visit required.
2
Get Approved
We’ll verify eligibility (CUS/LCMS) and set up your accounts.
3
Bank Anywhere
Download the mobile app and start using your benefits right away.
Have questions? Email Tom or contact our team.
Frequently asked questions
Am I eligible to join?
Yes. If you are current faculty or staff at a Concordia University System institution—or part of the LCMS community—you’re eligible.
Do you have physical branches?
We’re digital‑first. Use our app and online banking anywhere, plus 5,000+ shared branches and 30,000+ surcharge‑free ATMs nationwide.
Are there monthly account fees?
No. Our accounts have no monthly maintenance fees. See account disclosures for details.
How quickly can I start using my account?
Once approved and funded, you can start using online and mobile banking immediately.
Lutheran Federal Credit Union • Serving members in all 50 states • Insured by NCUA • Equal Housing Lender. Rates, terms, and eligibility subject to change. “Credit Score & More” powered by SavvyMoney.