1. Vehicle Loans
    Competitive rates for new and used vehicles, boats, motors, trailers, RVs, campers and travel trailers. Once you have found the perfect vehicle, protect your investment by purchasing GAP and Mechanical Repair coverage.
  2. Signature Loans
    Sometimes you just need extra cash for unexpected expenses, vacations or projects around the house. Our Signature loans have competitive interest rates and flexible repayment plans. Get the cash you need at terms that fit your budget!
  3. Other Collateral Loans
    LCRA Credit Union offers loans for new personal computers, farm equipment, major appliances, musical instruments, and more. There is a minimum loan amount, and in some cases a down payment may be required.
  4. Share/CD Secured
    Use the funds in your savings or your term certificates at LCRA Credit Union as security for a loan. You will enjoy lower rates on your loan, while still earning dividends on your savings.
  5. Credit Cards
    MasterCard and MasterCard Gold provide a worldwide line of credit at great rates. Both cards have no annual fee and a 25-day grace period. Payments on LCRA Credit Union MasterCards can be processed at all branch locations or Cash advances can be processed at all branches

Deposit Accounts

  1. Membership Share Account
    Establishes membership with the credit union and entitles members to use all of LCRA Credit Union’s services. A minimum balance of $5 is required and dividends are earned quarterly.
  2. Regular Share Account
    Available for members looking for a secondary source of savings. Dividends are earned quarterly. Members may have multiple regular share accounts.
  3. IRA Share Account
    A great way to save for retirement! An IRA at LCRA Credit Union requires no minimum balance or opening deposit and earns quarterly dividends. Your IRA savings are separately insured up to $250,000 by the federal government.
  4. Star Savers Kids Club
    For kids ages 12 and under. The Star Saver Kids Club is fun, informative, and is a great way to learn the value of setting goals and saving to reach those goals! Benefits: Lower opening deposit ($5.00), Dividends accrue on day one, Reward program for deposits. Punch Card Rewards: Ten Punches: $10.00 Cash Deposit
  5. Christmas Club
    The perfect way to save for holiday expenses. A minimum opening deposit of $5 is required and dividends are earned monthly. An automatic disbursement is mailed out in October just in time for holiday spending. An early withdrawal fee will be imposed for any withdrawals made before October.
  6. Term Certificates
    Certificates and IRA term certificates are available. Choose 6, 12, 18 or 24 month terms. Minimum balance of only $500. Earn interest based on average daily balance. Term Certificates renew automatically. Interest may be withdrawn before maturity without a penalty; however, an early withdrawal penalties on principal may apply.
  7. Free Checking
    Our Regular Checking Account is free! It requires no minimum balance to maintain and there’s no monthly service charge.
  8. Power Checking
    Earn monthly interest if average daily balance* requirements are maintained. A monthly service fee is charged if the balance falls below the requirement. *Average Daily Balance is calculated by adding the balance in the account for each day and dividing by the number of days in the period (calendar month).


  1. Courtesy Pay
    As a non-contractual courtesy, we may pay an occasional overdraft of a qualified member. Check, ATM & check card, online and phone banking, ACH, and in-person transactions are eligible. A $30.00 Courtesy Pay fee is charged for each item paid. Max negative account balance of $500.00. Up to 30 days to repay the balance.
  2. Overdraft Protection
    Protect yourself from overdrawing your checking account. If funds are available in a designated share account and you have signed an overdraft protection agreement, available funds will be automatically transferred in increments of $50.00 to pay check(s) and electronic payments against your checking account.
  3. VISA Debit Card
    Free and available for all checking accounts! Your card is accepted worldwide. Contact us before using overseas since usage may be restricted in some countries. Your card also doubles as your ATM card, so with your PIN, you have access to your accounts no matter where you are.
  4. Direct Deposit
    Make deposits through payroll deduction or direct deposit to your accounts and never worry about making it to the credit union on time again! Have your whole paycheck deposited or a portion distributed into the accounts you designate through payroll deduction....all at no charge to you.
  5. Electronic Transfers
    Wire money into your account or make an electronic (ACH) deposit to or withdrawal from account. See the Contact Us page for wiring instructions.
  6. PowerLine
    Your 24-hour, no cost phone connection to your accounts and loans. Use a touch-tone phone to make unlimited balance and history inquiries, make transfers between accounts and to make loan payments. Can also be used to make share withdrawals by check. To access PowerLine, dial 1-800-285-2894 and enter your member number and PIN.
  7. PowerOnline
    Access your account online for free. You can transfer money between savings and checking accounts, view account transaction history and get copies of checks that have cleared your account. PowerOnline is available 24/7, 365 days a year.
  1. Insurance
    LCRA has partnered with truSTAGE to offer a variety of insurance products for our members. AD&D, Home, Life, Auto, and more. Click for information!
  2. GoToMyCard™
    If you have a MasterCard or MasterCard Gold credit card with the LCRA Credit Union, you can view your account balance, available credit, recent transactions, and 3 months of statement copies online 24/7 at no charge. Also, make payments online!
  3. Mortgage Loans
    LCRA Credit Union has partnered with CU Members Mortgage to offer you a full range of mortgage loan options. Click to apply today!
Click Here for Mortgages
Click Here for Insurance
Click Here for GoToMyCard