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College Student

College Student

We recognize young adult members, especially those in school, have unique financial needs.

Therefore, we have created a financial package of products and services to help the young adult attain financial independence and establish a good credit rating.

Savings Account

  • In order to be eligible for LCU membership, you, your parent or spouse must live or work in Otsego County.

  • An initial deposit of $5.00 is required to open an account.

  • A birth certificate and social security card are required

Checking Account

  • Free Checking Account

  • No minimum balance requirement

  • No monthly service fee

  • First order of checks free

Student VISA Credit Card

  • Must be at least 18 years of age

  • Maximum credit line $1000.

  • Rates as low as 9.90% APR

  • No annual fee

  • Accepted worldwide

Platinum Debit Master Card

  • May be used to pay purchases anywhere MasterCard is accepted. 

  • The purchase amount will be deducted automatically from available funds in member's Checking account. 

  • Can also use it to get cash at any ATM that displays the MasterCard Logo.  Non-LCU ATM transaction fees do apply.

  • No annual fee

Membership Application

This credit union is federally insured by the National Credit Union Administration.
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