Whatever your personal checking needs, we have an account for you!

Leominster Credit Union offers a full-range of checking account options for your busy lifestyle. Whether you need a free or no-minimum-balance checking account, a VISA® Debit Card, or convenient mobile banking, we have the products you need. Check out our account offerings below and learn how you can take advantage of our wide range of financial products and services. Apply online today, visit any LCU branch, or call us at 800-649-4646. We look forward to serving you with the knowledgeable, fast and friendly service that has kept our members coming back for more than 60 years!


Incredible Interest Checking 1, 4, 5, 6, 7

Our free Incredible Interest Checking is just that… Incredible! Earn incredibly high interest for each cycle that qualifications are met. With high interest rates and no term commitments for access to your money, it’s easy to earn more with Incredible Interest!

  • No minimum balance
  • Interest-bearing; see our rates for details
  • First order of checks at no charge
  • ATM fee refunds up to $25 nationwide (maximum fee of $4.99 per ATM transaction) if monthly qualifications are met
  • Online Banking and Bill Pay
  • Complimentary Mobile Banking

Incredible Interest Qualification Requirements per Cycle:

  • Minimum of 15 Point Of Sales (POS) debit card transactions post and clear per qualification cycle.
  • Receive electronic statements
  • Minimum of one ACH debit or direct deposit post and clear per qualification cycle
  • Access Online Banking once per qualification cycle

2017 Qualification Cycle

2018 Qualification Cycle


VIP Free Checking 5

  • No minimum balance
  • No direct deposit needed
  • First order of checks at no charge
  • Online Banking and Bill Pay
  • Mobile Banking

DirectConnect Checking 2, 4, 5, 7

Designed for direct deposit of your paycheck, Social Security, pension, or other regularly occurring income check. No standing in line!

  • No minimum balance with direct deposits
  • Interest-bearing; see our rates for details
  • First order of checks at no charge
  • No fee for LCU and foreign ATM transactions
  • Online Banking and Bill Pay
  • Mobile Banking

LCU Tunes Checking 3, 4, 5, 6, 7

LCU Tunes gives you the opportunity to earn iTunes® and Amazon.com® downloads.

Receive $25 in downloads just for signing up!

Earn $10 in downloads each cycle that qualifications are met4

  • No minimum balance
  • First order of checks at no charge
  • ATM fee refunds nationwide if monthly qualifications are met
  • Online Banking and Bill Pay
  • Mobile Banking

LCU Tunes Qualification Requirements per Cycle:

  • Have at least 10 debit card transactions post and clear per qualification cycle
  • Receive statements electronically (e-statements)
  • Access your account through Online Banking at least once per qualification cycle

2017 Qualification Tunes and Remarkable Rewards Cycle
2018 Qualification Cycle


Premium Perks Checking 5, 7

  • $1,000 minimum balance to avoid a $10 monthly service charge
  • Tiered interest rates; see our rates for details
  • Standard checks (one order per year) at no charge
  • No per-check charges
  • No fee for overdraft transfers
  • No fee for LCU and foreign ATM transactions
  • Online Banking and Bill Pay
  • Mobile Banking

Special Privileges Checking 4, 7

  • $25,000 minimum balance in combined loans and/or deposits to avoid a $10 monthly service charge
  • Interest-bearing; see our rates for details
  • Standard checks at no charge
  • No fee for overdraft transfers
  • No fee for LCU and foreign ATM transactions
  • Online Banking and Bill Pay
  • Mobile Banking
  • Bonus rate on CDs and IRAs (excluding specials)

1 Up to $25 in ATM fee refunds per cycle when qualifications are met (maximum fee of $4.99 per ATM transaction). Incredible Interest qualifications each cycle: have at least 15 Point Of Sales (POS) debit card transactions post and clear per qualification cycle, receive statements electronically (E-statements), access your LCU Online Banking account at least once per qualification cycle and have at least one ACH Debit or direct deposit post and clear per qualification cycle. If qualifications are not met, we will pay no less than the minimum rate on your account.

2 DirectConnect Checking requires direct deposit (greater than $100) of payroll, Social Security, pension, or other regularly occurring income check. LCU is not responsible for surcharges imposed by other financial institutions.

3 Unlimited ATM fee refunds per cycle when qualifications are met. LCU Tunes Checking Qualifications each cycle: Have at least 10 debit card transactions post and clear per qualification cycle, receive statements electronically (E-Statements), access your account through Online Banking at least once per qualification cycle.

4 Fees may reduce earnings on accounts. LCU is not responsible for surcharges imposed by other financial institutions.

5 Members must be enrolled in Online Banking in order to activate Mobile Banking. Standard rate and data charges may apply.

6 Qualification cycle means a period beginning one business day prior to the first business day of the current cycle through one business day before the close of the current statement cycle (one day asynchronous – no weekend processing).

7 Rates and APY are subject to change without notice and may change after opening.