Additional Banking Services at Leominster Credit Union

Leominster Credit Union offers a full range of additional services for your lifestyle and banking needs including foreign currency, overdraft protection, direct deposit, combined statements, check imaging, and safe deposit boxes. We look forward to serving you with knowledgeable, fast, and friendly service that has kept our members coming back for more than 60 years!

Direct Deposit

Direct deposit can be used for Social Security checks or any regular recurring government, pension or payroll check. With direct deposit there’s no waiting in line or need for a special trip to the credit union to cash your check. If your check is directly deposited into an LCU statement savings, checking, or money market account, you can withdraw money instantly at any ATM with your LCU Debit Card. Direct deposit is a terrific time-saver allowing you more time to do the things you like best.

Important Notice: Your Interest Paid Cycle may change effective August, 2018

Currently, the cycle for determining when interest is being paid on certain accounts differs from their statement cycle. For your convenience, and to simplify the calculation of interest paid cycles, if the interest on your account is currently paid on a date that is different from your statement cycle, going forward we will be adjusting the interest paid date to coincide with your statement cycle. This will ONLY affect members whose accounts are included in the following matrix. All other accounts/products are processing interest in accordance with their respective statement cycles.


Log in to Online Banking Estatements are the convenient, secure and environmentally-friendly way to review your monthly account statements. Sign-up today and enjoy the peace of mind that your statements will be stored securely, and are easily accessible to you anytime you need them through Online Banking. To start receiving your statements electronically, simply follow the instructions below:

Signing up for Estatements is quick and easy!

1.   Log into On Line Banking
2.  Click on Profile in the top right hand corner
3.  Click on E-statements
4.  Change radio button to enroll next to the acct you would like to enroll
5.  Click on the terms and conditions
6.  Then click the accept terms and conditions button
7.  And then hit accept

Enrollment is now complete!

Instructions on downloading and printing Estatements

Combined Statement

For streamlined record keeping, consider having your savings account and checking account statements combined. Both savings and checking statements will arrive together in the same envelope. You’ll be able to balance your accounts at the same time instead of receiving statements at different intervals. And best of all, there’s no charge to LCU members for this convenience.

Check Imaging

Members receive reduced size copies of their previous month’s canceled checks along with a statement. These checks fit 18 images per page for easy record-keeping.

Overdraft Privilege

Life happens! We understand that unexpected overdrafts occur from time to time – overdraft coverage can help. Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. There is no fee for having Overdraft Privilege unless you use it. Two options are available, standard and extended overdraft privilege.  Each option will charge you a $30 fee per transaction. Click here to read more about Overdraft Privilege, enroll in standard or extended coverage or to decline this service.

Overdraft Protection

LCU offers two alternatives with no annual fees.

  1. Your savings account will automatically advance funds into your checking account for a daily transaction fee of $5.00.
  2. An overdraft line of credit will automatically advance funds into your checking account in the exact amount you are overdrawn. Monthly repayment is 5% of the balance or $20.00, whichever is greater.

Click here for more information on Overdraft Protection

Foreign Currency

Leominster Credit Union partners with Custom House Foreign Exchange and to process foreign currency transactions. Through the eZforex database we are able to assist members to make buying and selling foreign currency easier and more efficient. This process will compute the change rate instantly for our members. Through the eZforex we have access to one of 100 plus foreign currencies with the opportunity of receiving the currency within 1 to 3 business days provided the order is placed before 2 PM.

Safe Deposit Boxes

Safe deposit boxes are available at the following branches:

  • 20 Adams Street, Leominster
  • 159 Mechanic Street, Clinton
  • 715 Main Street, Holden.

Use these boxes to protect your valuables and important papers. Boxes are subject to availability. Sizes and annual rental fees are:

Fees effective September 1, 2016

    •  3×5″  ….. $35
    •  5×5″  ….. $45
    •  3×10″ …. $55
    •  5×10″ …. $75
    •  7×10″ …. $100 (Main Office only)
    • 10×10″…  $130

Safe deposit box contents are not insured by NCUA or Leominster Credit Union.

Member Express Line

From any touch-tone phone, you can check account balances, checks paid, interest earned, account transfers and more. Call 800-649-4646 and press 1 for MEL. The user-friendly menu will guide you through the process with the push of a few buttons.


Notary / Medallion Services


Wire Transfers