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 young adults 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 plus a $1.00 lifetime non-refundable membership fee.
  • A birth certificate and social security card are required

Checking Accounts

  • Free Simple Checking Account—no monthly service fee
  • Protection Plus Checking with ID theft coverage for a low monthly fee of $4.00. Learn more about Protection Plus Checking.
  • No minimum balance requirement
  • 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 make 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