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Savings accounts



Regular share accounts (savings)

Our share account works just like a regular passbook savings account, but as an owner, you earn competitive dividends. The more you invest in your share account, the stronger your financial outlook.


Money market club account

The money market club account earns a higher dividend rate than the regular share account. It has a minimum balance requirement and account withdrawal limitations apply.


Share certificates

A share certificate is a high-yield means of earning the maximum return on your deposit. Rates and terms vary, so check with the credit union for current information.


Individual retirement account (IRA)

An IRA is one of the best ways to save for retirement. Earnings on IRAs are not taxed until funds are withdrawn from the account, so your total balance grows more rapidly than those of comparable accounts. IRA Certificates of Deposit are available, which gives the opportunity for an even better return. Recent legislation was also passed increasing the spousal contribution limit (for a non-working spouse) up to $2,000 from the previous amount of $250. Contributions may even be tax-deductible, consult your tax advisor for details. Contact us for our current rates. We have information about the new Roth IRA and Education IRA.


Share draft account (checking)

Our share draft (checking) features no monthly fees.* You simply pay for your checks. Members age 55 and older, we will buy your checks for you. Automatic transfers are provided at no charge.

**Other fees, such as insufficient funds or stop pay requests may apply to checking accounts.

Loans



New and used auto loans

We offer auto loans for both new and used vehicles. Unlike "special financing" from many auto manufacturers, you are not limited to certain models, and there are no hidden charges or fees. A wide variety of low-cost rates and affordable terms are available. We suggest you contact us for pre-approval of your next automobile purchase.


Recreational vehicles

We also offer loans for Motorhomes, Travel Trailers, Boats, Jet Ski's, Snowmobiles, etc. We have assisted many members in debt consolidation.


Home equity loans

Variable rate, Line-of-Credit Home Equity Loans are available. We finance up to 90 percent of appraised value less your first mortgage. Inquire about our low rates and fees.


Signature loans

Signature loans are available up to $5,000 at 12%. Our Signature Plus Loan is available up to $10,000, and our Signature Platinum Loan is available up to $15,000 based on your past payment history, length of employment and ability to re-pay. This type of loan can be used for any purpose and be quickly arranged.


Debit cash card

Our MasterCard Cash Card allows you to use a plastic card when making purchases rather than writing a check. You can also use the card to withdraw cash from thousands of cash machines worldwide which display the MasterCard Network logo. Our requirements for issuing the debit cash card to members is your ability to qualify for a line-of-credit.


Visa credit card

Our VISA credit card features a low annual percentage rate, no annual fee and no cash advance fee. Plus, you'll enjoy a 25 day grace period on purchases and the convenience of worldwide acceptance. We also offer a VISA PLATINUM with all the advantages of the regular VISA, plus many additional benefits.

Online services



Longshoremen's Local 4 FCU strives to make your online experience an easy one. There are a number of online services you can enjoy while visiting our site:


Home banking

Access your current balances and account history for all your Longshoremen's Local 4 FCU accounts - anytime and anywhere you have an Internet connection.


Applications

You can print applications for loans, credit cards, and other services in our Applications Center. Then simply mail or fax it to us for processing!


Check recording

Reorder your checks quickly and securely via Liberty Checks.


Rates

Discover the Credit Union Difference... Amazing Rates! Simply click on our Rates link to view our current rates. Stop by and visit our website frequently to see what's new for you.