Library of Congress Federal Credit Union: Better BANKING for Less.

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"I transferred balances from my non-LCFCU credit cards onto one LCFCU VISA and now saving $300 per month on my monthly billings!"

B.A., Member Since 2004

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LCFCU Members Enjoy Affordable Financial Services, Low Loan Rates and a Staff Committed to Serving You

How to Join LCFCU

Credit unions are nonprofit institutions owned by their depositors, known as "members", and run by a Board of Directors made up of our members. Joining the credit union is fast and easy. Simply open a "share" savings account with a minimum deposit of $5, pay a one-time $5 membership fee and you are a member. Once you join LCFCU you're a member for life even if you change employers and/or retire.

You can join online, click here to request a new member packet online or call (202) 707-5852 or 1(800) 325-2328 Monday thru Friday from 7:00 a.m. to 3:30 p.m. EST to speak with a member services representative.

You'll find detailed information below on eligible employees, and eligibility for family members and associates of eligible employees.

 

Why Join LCFCU?

Credits unions exist only to help their members build secure financial futures. Banks make profits from their customers for the benefit of their shareholders. Credits unions are not for profit institutions that use "profits" to offer no and low fee products and services and great loan and investment rates to members.

 

Who Can Join LCFCU?

We serve employees of the Library of Congress, Library of Congress volunteers, researchers and scholars. We also serve employees of companies who choose to make membership in Library of Congress Federal Credit Union an employee benefit and retirees, pensioners or annuitants of participating employers. See a detailed list of current employers offering membership in Library of Congress FCU at the end of this section.

Family members of eligible people may also join. The eligible employee does not have to be a member for family members to join. Family members include:

  • Spouse
  • Children
  • Parents
  • Grandparents
  • Grandchildren
  • Step Parents
  • Step Children
  • Step Siblings
  • Relationships Relating to Adoption
  • Surviving spouses of persons who died while within the field of membership

Other family members and people maintaining a single economic unit with eligible employees may also join, they include:

  • Domestic partners
  • Roommates
  • Other family members
  • Legal guardian relationships

 

How Employers, Including Library of Congress Contractors, Can Offer Membership in LCFCU to Employees

Select Employee Groups (SEGs) can be approved for membership in LCFCU by the National Credit Union Administration.

  • There is no cost for an employer to offer LCFCU membership to employees.
  • An employer can request membership eligibility for employees by having an officer of the organization submit a letter on official letterhead to LCFCU's Board of Directors requesting membership benefits. The letter should include the information contained in this sample letter.
  • For more information contact LCFCU by e-mail or phone at 202-707-5852, or 800-325-2328.

 

Current LCFCU Major Select Employee Groups Whose Employees can join the Credit Union:

Employees of the following companies who meet the criteria listed:

  • Acacia Mutual Life Insurance Company:
  1. Home office employees and branch office clerical employees of Acacia Mutual Life Insurance Company, its affiliates and wholly-owned subsidiaries.
  2. Employees of Acacia Mutual Life Insurance Company who work in or are paid from Washington, D.C.
  3. Members of record of the Acacia Federal Credit Union as of July 12, 1995
  • Advance Realty Group, members and employees who work in, or are paid from Landover, Maryland
  • Barton Contracting Co., Inc. employees who work in, or are paid or supervised from Rockville, Maryland
  • CACI International INC employees who work in, or are paid or supervised from Arlington, Virginia
  • Callahan & Associates employees who work in, or are paid or supervised from Washington, D.C.
  • Canteen Corporation of Congress employees who work in Washington, D.C.
  • Capitol Hill Business Improvement District employees who work in, or are paid or supervised from Washington, D.C.
  • Capitol Hill Day School Employees who work in, or are paid or supervised from Washington, D.C.
  • Contractors who work for the LOC
  • District of Columbia Library Association employees who work in, or are paid or supervised from Washington, D.C.
  • Document Systems Incorporated employees who work in East Brunswick, NJ
  • Express Management Holdings, LLC. employees who work in Washington, D.C.
  • Home Care Partners employees who work in, or are paid or supervised from Washington, D.C.
  • Institute of Museum & Library Services employees who work in, or are paid or supervised from Washington, D.C.
  • ITLC-LOC, Inc. employees who work in, or are paid or supervised from Washington, D.C.
  • LAC Group (Library Associates Companies) employees who work in, or are paid or supervised from Rockville, Maryland
  • Little Scholars Child Development Center employees who work in Washington, D.C.
  • M.C. Dean, Inc. employees who work in Chantilly, Virginia or Washington, D.C.
  • Mount Horeb Baptist Church:
         a.  Mount Horeb Baptist Church members in Washington, D.C.
         b.  Mount Horeb Federal Credit Union members of record on April 12, 2010
  • Mount Pleasant Library Friends in Washington, D.C., who qualify for membership in accordance with its charter and bylaws in effect on November 1, 2014
  • National Men's Chorus members and employees who work in, or are paid from Washington, D.C.
  • Office of Compliance employees who work in Washington, D.C.
  • Public Security LLC employees who work in, or are paid or supervised from Chester, Maryland
  • Surety Association of America employees who work in Washington, D.C.
  • Susan Gage Caterers, Inc. employees who work in, or are paid or supervised from Washington, D.C.
  • TRI-ARK employees who work in Washington, D.C.
  • Vendivo employees who work in, or are paid or supervised from Fountain Valley, California
  • Washington Men's Camerata members and employees in Washington, D.C. who qualify for membership in accordance with its bylaws in effect as of October 1999

Persons who work regurlarly for entities under contract possessing a strong dependency relationship with any occupational group added to this charter before February 6, 2017, subject to any limitations in the clause describing the group.

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  • words from our MEMBERS
  • member SECURITY education
 

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