Share Accounts

Regular Share
Regular share accounts are simple savings accounts earning dividends on an average daily balance method, and there are no penalties for withdrawals nor minimums for deposit. To become a member of LCU, you'll start with a $5 savings account. You can then use it anytime to save for whatever you want! ATM cards are available.
A share draft (checking) account at Lowland Credit Union provides you with a great way to handle your day-to-day finances. With our great checking accounts you can enjoy:

No monthly service fee, no minimum balance requirements, no minimum check fee and no service fee. Plus we've added debit card rewards. Overdraft protection on your checking account is available by linking to your share account or LCU Visa credit card.

Direct deposit allows you to have your payroll deposited to your share draft account saving you the long wait in a teller line. Social security and other government agency generated funds can also be direct deposited.

Carbonless copies so you won’t forget to register the check amount. If you ever need a copy of a check, we are happy to provide one for you at a modest fee.

Monthly statements will document your share draft activity with a list of the drafts cleared, the amount, date and your daily balance. You can get statements electronically or via regular mail.

ATM / Debit card service is available with your share draft account for only $2 per month.

Lowland Credit Union debit cards have rewards points! Visit UChoose Rewards to register your card. You will earn 1 point for every $2 you spend in a signature-based transaction. Debit transactions where you enter your PIN number are not eligible for points. The points can be redeemed for millions of items. Find more info at UChoose Rewards.

It is very important that you balance your share draft account each month as soon as you receive your statement. Then, if you do have a problem, you will catch it before it becomes a bigger problem.

Order your additional supply of checks by clicking here.

All checking accounts can make check deposits from anywhere! You need to be enrolled in Online Banking and have our Mobile App. Then, you can deposit checks via the remote check deposit feature in the app. Find out more about our online services by clicking here.
Checking Rewards
Lowland Credit Union debit cards have rewards points! Visit UChoose Rewards to register your card. You will earn 1 point for every $2 you spend in a signature-based transaction. Debit transactions where you enter your PIN number are not eligible for points. The points can be redeemed for millions of items, including travel, concert tickets, electronics and more. Find more info at UChoose Rewards.
Share Certificates
We offer a portfolio of share certificates for members who want to earn a higher return on their deposits. Share certificates are a safe way to earn a guaranteed return. Terms are available from 91 days to three years .View the current rates.
The credit union has a variety of accounts available to help you with your retirement planning. We have Regular and Roth and IRAs available. All are available either as a savings account or as a share certificate, and all deposits are federally insured by current NCUA regulations.

  • Regular IRA

    Many people choose a traditional IRA because of the tax break feature. Contributions to this account are tax deductible. Also, traditional IRAs are best if you're planning to roll over money from other qualified retirement accounts, such as a 401k.
  • Roth IRA

    Roth IRAs are a relatively new tool to help you plan for retirement. Your contributions are not tax-deductible, instead earnings grow tax-free. You pay no taxes when you withdraw the money provided it has been in the account at least 5 years AND you're older than 59 1/2. You can also withdraw the money tax free should you become disabled. Or, you can use the money if you are buying your first home, but there's a $10,000 lifetime withdrawal limit. With a Roth, you don't have to begin withdrawing money at age 70 1/2, as is the case with the traditional IRAs. You can leave your earnings in your financial institution to continue to grow tax-free for as long as you like.

  • If you would like more information about LCU's IRA options stop by or call us at 423-581-8345, ext. 182 today!
Club Accounts
Vacation and Christmas Club Accounts are a great way to put aside a little each payday. Savings are automatically deposited into your checking account (or share account if you don't have checking with LCU) in May for the vacation club accounts, and in November for the Christmas Club accounts. There is no minimum required, just whatever you’d like to set aside each payday.
Kids Savings
It’s never too early to teach financial responsibility. Open a savings account for all the children in your life!
Truth in Savings
View current savings rates here.
  • A minimum deposit of $5 must be maintained.
  • No monthly account/service fees.
  • An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Fees could reduce the earnings on the account. View the fee schedule.
  • Rates are subject to change without notice.

Rate information: The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirement: The minimum balance required to open this account is $5. You must maintain a minimum daily balance of $5 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Par value of a share: The par value of a share in this account is $5.