Products & Services

The basic checking account offered by the Credit Union. The Share Draft account does not pay interest, but there are no monthly fees or minimum balance requirements. Share Draft account also feature unlimited free checking. As with all Credit Union draft accounts, statements are issued monthly. Overdraft protection, direct deposit, debit and ATM cards are all available with this account. Members may also access their accounts over the phone via DEMI and via the internet (CU@Home).

Business Share Draft Account

A checking account for members that operating businesses. Non-profit organizations and members having $20,000.00 or more on deposit with the Credit Union are exempt from the monthly fee. In addition to all the services available to individual members in a Share Draft account, this account offers processing of quarterly payroll tax payments and other services tailored to businesses.

PAA

This account pays the highest interest rate of all interest bearing Credit Union Draft accounts. The Personal Asset account offers unlimited no fee checking and a .25% bonus on Share Certificates. There is a $2,500 minimum balance required to avoid a monthly service fee. Members can choose between getting their first order of checks free, or a free Safe Deposit Box at the Main Office when they open a PA account. Qualified members also are eligible for free CU@Home bill pay service and all PAA holders are automatically Gold Tier members.

PAPA

The Personal Asset Plus account offers all of the benefits of the PAA, with an interest rate that increases with larger balances. Up to $50,000 pays 2.00%, $50,001 to 100,000 pays 2.50%, $100,001 to $150,000 pays 3.00%, $150,001 to $200,000 pays 3.50% and over $200,000 pays 4%. Qualified members also are eligible for a no fee VISA Gold card and free CU@Home bill pay service.

Money Market Account

An interest bearing checking account that offers higher interest than NOW account with lower opening balance than a PA account. Minimum balance to open a Money Market account is $2,500 ($5,000 for PA) An average balance of $2,500 must be maintained in order to earn dividends and avoid a service fee. Transactions are limited to six per month, three of those checks.

NOW

An interest bearing checking account with a minimum balance to open the account of $1,000. The NOW account offers unlimited no-fee checking with the lowest minimum balance of all Credit Union interest bearing Draft accounts.

ATM Cards

All Liberty Alliance FCU Draft accounts are eligible for ATM card withdrawals. With net payroll deposit, there are no LAFCU ATM fees (see your local branch for a list of no-fee ATMs in your area). Cards can be used at all Fastbank, STAR (formerly MAC), PLUS, CU-24 and Alliance One ATMs. The CU-24, Alliance One, and Fastbank Free networks provide surcharge free transactions.

Note: Look for the Fastbank Free ATMs for surcharge free access. Contact your Branch or the Main Office for details. To locate an ATM near you, click above on one of the ATM networks.

Report a lost/stolen ATM Card by calling (800) 264-5578 immediately.

Order an ATM Card HERE.

Debit Cards

LAFCU Debit Cards can be used anywhere MasterCard is accepted, and at ATMs. Debit Cards provide direct access to funds in any draft (checking) account. Contact your Branch or the Main Office for details.

Report a lost/stolen Debit Card by calling (800) 264-5578 immediately.

Order a Debit Card HERE.