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Call us toll-free: 1-800-819-0792 or Fax us: 931-535-3601  

What's New!

Home Equity  Annual Meeting  Card Scam  Id Theft
Best Deal  Target Breach  NCUA Video  Scholarship Winner
Rate Matching  Share Insurance  House for Sale  ID Protection
Overdraft Privilege  Money Management  Fee Changes
NCUA Calculator  eStatements  Contact Information  New ATM
Second Drive-thru  For Sale  Credit Card Account Access
Check Fraud  Customer ID Program

 

Catch the Save Wave ~ April is National Credit Union Youth Month


Catch the Save Wave Youth Month Promotions



Home Equity Loan Promotion
April 1st thru July 1st

Rates as low as 3.75% for qualifying members. Get a $50.00 VISA Gift Card when you finance with us.



Annual Meeting Winners



Card Cracking Scam Targets Younger Members

Cash-strapped college students are being recruited to participate in a scam referred to as “card cracking.” Using ATM/debit cards and PINs willingly provided by the students, fraudsters deposit fraudulent checks to the students’ accounts. The funds are subsequently withdrawn by the fraudsters with the students receiving a portion of the funds for their participation.



 

What is Identity Theft?

Identity theft is a crime in which an imposter gains access to another’s personal information, such as Social security or credit card numbers, and uses them for personal gain. It might be the result of a stolen purse, stolen mail, Documents taken from trash, a data breach just like the one that happen at Target, computer virus, or telephone scam. For a small fee of $1.95 everybody in your household could be covered, that’s the cost of a family pizza over a year’s time. The$1.95 comes directly out of your checking account, contact the Credit Union today and make sure your Identity is protected.



Members Get the Best Deal
at their Credit Union

  • Autos, Boats, Farm Equipment - New Money Only
  • Finance or refinance with LECU.
  • Click for Details!


FRAUD ALERT: TARGET DATA BREACH

On Thursday, December 19, Target confirmed a national credit and debit card data breach. This data breach affects any Target customer who made purchases with either a credit or debit card in U.S. stores between Wednesday, Nov. 27 and Sunday December 15.

Lakeside Employees Credit Union credit and debit cards are monitored 24/7 for fraud. If you made purchases at Target during the specified timeframe, we encourage you to monitor your accounts for and suspicious activity. You can review transactions using Homebanking or call any either office to request a printout. If you discover any suspicious or unusual activity on your accounts or suspect fraud, please contact Lakeside at (931)-535-7269 or (931)-535-3750 as soon as possible to avoid any liability for unauthorized transactions.

If you have a Target REDcard, debit or credit, you will need to contact Target directly. It is important to note that closing your Lakeside debit card will not stop purchases made with the Target REDcard. Thus, please contact Target at (866)852-8680.

Lakeside is committed to your financial security. This is a matter that we take very seriously and we are dedicated to helping protect your financial information. If you have any questions, please feel free to call us at (800) 819-0792.

Read more from Target at: https://corporate.target.com/about/payment-card-issue.aspx?ref=sr_shorturl_paymentcardresponse.



NCUA Consumer Report: MyCreditUnion.gov



The video highlights the many resources available on the agency's consumer website, MyCreditUnion.gov, and its financial literacy microsite, Pocket Cents.


2013 Scholarship Winner



Scholarship Winner - Kyle Lashlee Congratulations to Kyle Lashlee, the winner of Lakeside Employee's Credit Union's Excellence Scholarship Award. Kyle is a recent graduate from McEwen High School in McEwen, TN., he plans to attend Belmont University in the fall, majoring in biology with an emphasis in pre-med.

Kyle is the son of Charles and Lisa Lashlee of McEwen and the grandson of Charlie and the late Gloria Lashlee of Donelson, TN. and Sadie and the late Roy Stone of Centerville, TN.

Lakeside's Scholarship Program is available to every graduating high school senior in Humphrey's County and also seniors who are credit union members.

We would like to invite everyone who lives, works, worships or goes to school in Humphrey's County to become a member and enjoy the benefits of a credit union.

Pictured with Kyle is Jimmy Spencer, who serves on the Board of Directors for Lakeside.



Interest Rate Matching

Ask about our Interest Rate Matching. Bring in proof with the Interest rate and Terms that that company will give you with a signature and we can match it on all loans for qualifying Members.


Notice of Expirations of the Temporary Full NCUSIF Share Insurance Coverage for Noninterest-Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited share insurance coverage by the National Credit Union Administration (NCUA). Beginning January 1, 2013, all of a member’s accounts at an insured depository institution, including all non-interest-bearing transaction accounts, will be insured by the NCUSIF up to the standard maximum share insurance amount ($250,000), for each share insurance ownership category. For more information about NCUA share insurance coverage of non-interest bearing transaction accounts, visit www.ncua.gov.


House for Sale

 

  • House 1,200 SQ FT.
  • Lot 15,000 SQ. FT
  • Year Built 1950
  • Parking-Garage, Paved Drive-Way
  • 4 Bedrooms and 2 baths
  • Only 1.1 mile from Lakeview School Located on
    Hwy 70, New Johnsonville.
  • For more details contact Ruston Reality at
    931-296-3507


ID Protection

Click to learn more about ID Protection and how you can protect your family.


Overdraft Privilege

Overdraft Privilege helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. Please see the PDF documents below for more information



Click to read Seven Steps to Better Money Management


Fee Change Notice

Fees: Effective May 15, 2012

  • Share Draft (Pay to Negative Balances) - $30.00
  • Share Draft (Return Fees) - $30.00
  • POS, ACH (Pay Negative or Return) - $30.00
  • Returned Check Fee - $30.00
  • Early Christmas Club Withdrawal – (Over 1 per year) $10.00
  • Reconcile Share Draft Account - $20.00 per hour
  • Account closure for Excessive NSF - $25.00
  • Verification of Deposit (Charge Bank) - $10.00
  • Loan Application Fee (All loans, Collect up front) - $5.00
  • Re-Opening Share Draft due to Neg. History Balance 2nd chance $20.00
  • Re-Open Membership (if re-opened within a year) $10.00
  • Account closure if closed within 90 days of opening(Member or Credit Union request) $25.00
  • Dormancy - $25.00 (After 3 years) Quarterly- Contact member first-IRA Exempt
  • Stop Payment - $10.00
  • Items sent for collection to attorney - $20.00
  • Fax Charge (Not Credit Union related) Incoming & Outgoing Faxes - $1.00 per page
  • Check cashing fee-NON MEMBER – $5.00
  • Cashing Third-Party Checks NON Member - $5.00
  • Late Loan Payments - $30.00
  • Check Copies - $5.00
  • Temp. Checks - $0.50 per check
  • Copies of statement (first 3 months free) - $5.00 per statement after that
  • Returned Statement (with no forwarding address) - $5.00 per month
  • Levy/Garnishment - $50.00
  • Gift Cards - $3.00
  • Travel Cards - $5.00
  • Re-Opening a Debit Card (After CU blocked) - $15.00
  • Replacement Debit Card (Lost/Stolen) - $10.00
  • New Titles - $15.00
  • Temp. Lien Forms - $15.00
  • Wires (Incoming & Outgoing) – $12.00
  • ID Protect $1.95 a month starting Oct. 2012
  • Home Banking- Free
  • Bill Pay – Free
  • E-statements - Free
  • Origination Fees - 1%

Keep your money NCUA-safe



WARNING: Do not give out your debit/credit card numbers to anyone!!!!


NOTICE: In order to protect you from fraud, you may receive a phone call from Visa company (Fidelity/Falcon). Fidelity/Falcom may ask you to verify some recent purchases that you may have made. Fidelity will never ask you for your account numbers. They already have them on file. But, in order to identify you as the cardholder, they may ask to verify the last four digits of your social security number. If you are not comfortable giving out this information, please ask them if you can verify your address instead. In order to help us protect you from fraud and identity theft, please contact the credit union if you feel that you have given out vital information to anyone about your accounts.


Sign up now for Free eStatements and received your monthly or quarterly statements online through Home Banking!


Sign on your home banking under additional services you will see eStatements click on it and follow the directions. Once you sign up for this you will no longer receive monthly or quarterly statements by mail.

Please make sure your e-mail address is correct before signing up.

e-Statements: Go Paperless - Sign Up Today



Update Contact Information


We value your membership very much and would like to be able to contact you about new products and services that we will be offering in the future. Please remember to keep us informed of any changes in your status such as address, phone, employment, etc…. Check out our downloadable status change form to make this process more convenient for you.



Murphy Oil ATM

Check Out Our New ATM


Come by and check out our new ATM! Located outside Murphy Oil at Waverly Wal-Mart. You can use your Lakeside Debit Card at our new ATM with no fee. Don’t have a Debit Card to use in new ATM? Come by your credit union and sign up for yours today. It gives you a chance to get money when you may need it the most, after hours, so get yours now.



NEW...Second Drive Thru

Second drive thru at Hwy 70 location. Come by and give it a try.



Online Credit Card Account Access

Did you know that you can view your credit card account from this website!

Sign-up for eZcardInfo from our website today.



Protect your checks from fraud!

At Lakeside Employees Credit Union we take every precaution to protect your account and your checks from fraud. Your checks are printed on paper with embedded security features to protect them against alteration and counterfeiting, and precautions are taken in the handling and delivery of your checks.

You can make a difference. Take action to prevent criminals from getting their hands on your checks and to safeguard your check’s integrity:

DO

  • Make the post office box your choice for outgoing mail, rather than your home mailbox.
  • Treat your deposit slip as if it were a check. Remember, your account number is printed on deposit slips.
  • Check your statements carefully against your check register. Duplicate checks may prove helpful by providing you with a record of every check you write.
  • Avoid writing checks with pencil or erasable ink.
  • Print, don’t sign, your name when writing your return address on envelopes. A signature on the envelope can be copied and forged.
  • Report lost or stolen checks and lost or stolen debit cards immediately.

DON'T

  • Don’t give your account number over the phone to anyone you don’t know.
  • Don’t include your driver’s license number or Social Security number on your checks.
  • Don’t write your credit card number on your check.
  • Don’t leave large, blank spaces in the check box or the amount line. Start the written dollar amounts as far to the left as possible. Draw a line between the cents value and the right side of the dollar line.


Customer Identification Program

Important Information About Opening A New Account
To help the government fight the funding of terrorism
and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you request to open an account, we will ask for your full name including middle name, your physical address, date of birth, social security number or tax identification number, or other information that will allow us to identify you. We will require a photo identification issued by a government agency, which would typically be your driver’s license.

Lakeside Credit Union may also obtain a credit report upon your request for additional products and services. Based on your credit rating, Lakeside Credit Union may not offer you all of the services and products available.




Online Forms

For your convenience, the following forms are available online in PDF Format:





Notes of Interest

Spring 2014 Newsletter


April is Youth Month

Vacation Loans

Home Equity Loans

Lifestyle Loans Available

And Much More...


Acrobat® Reader is required to view/print the above file.



For Sale

We currently have no vehicles for sale. Please check back soon for more great deals!

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