Perks of Membership
Becoming a member of Lutheran Federal Credit Union means more than just opening an account; it’s joining a community rooted in faith, stewardship, and service. As the only nationwide credit union serving members of the Lutheran Church—Missouri Synod, we’re here to help you live out your financial life with purpose. From no-fee everyday banking and competitive loan rates to faith-aligned financial products and personalized service, membership with LFCU gives you the tools, access, and confidence to manage your money faithfully -- anytime, anywhere.
These perks are available with every membership!
Free Membership
No cost to join and no hidden fees.
Plus we put the first $1 in your account!
No Monthly Account Fee
Keep more of your money with no maintenance fees.
No Minimum Balance
No required minimums for your accounts.
Credit Score & More
Track your credit and get personalized tips—free.
Online Banking
Secure access to your accounts from anywhere, 24/7.
Mobile App
Bank on the go with our free mobile app for iOS and Android.
Mobile Check Deposit
Deposit checks with a quick photo using your phone.
Online Bill Pay
Pay your bills quickly and easily online -- for free.
Shared Branching
Access your money at 5,000+ shared branch locations.
Unlimited ATM Access
Use 30,000+ surcharge-free ATMs nationwide.
Account Alerts
Stay in control with customizable account alerts.
CardNav
Control and protect your debit and credit card with real-time tools.
Relationship Banking Tiers
At Lutheran Federal Credit Union, we believe your financial partnership should grow with you. Our new Relationship Banking Tiers are designed to recognize and reward your deepening connection with LutheranFCU. As your relationship expands — through added accounts, loans, deposits, and active engagement — your benefits increase, too.
Members enjoy progressively greater advantages such as enhanced rates, fee reductions, exclusive offers, and personalized service options. It’s our way of saying thank you for trusting us to be your faith-based financial home and for walking alongside us in the shared mission of wise stewardship and service to others.
Steward Partner
Benefits: Base access to all membership perks listed above.
Requirements:
- None
Growth Partner
Benefits:
- Rate reduction of 0.25% off best availabe rate on next non-mortgage loan.
- Additional 0.20% dividend rate on published certificate rate.
Requirements:
- Stewardship Savings Account
- Checking Account
- Direct Deposit(s) > $2,500
- No NSFs in last 30 days
Mission Partner
Benefits:
- Rate reduction of 0.50% off best availabe rate on next non-mortgage loan.
- Additional 0.40% dividend rate on published certificate rate.
- Additional 0.25% dividend rate on published checking account rate.
Requirements:
- All Growth Partner requirements
- Loan or Credit Card with $500+ monthly usage
- No NSFs in last 30 days
- No past due items
FAQs
[Filler content: Replace with real text later.]
[Filler content: Replace with real text later.]
[Filler content: Replace with real text later.]