Take a close look at the next credit card offer you get in the mail. Most likely, the fine print will reveal it can't come close to LFCU's Starter Platinum VISA. Benefits include:

Open a Langley Federal Credit Union checking account and get up to two boxes of customized FLIP checks — ordered one box at a time — per calendar year FREE. LFCU offers a variety of checking account options to fit your needs, including a no-fee account called Smart Checking (direct deposit required). Open your checking account today!

Avoid the high cost, hassle, and embarrassment of bouncing a check with Overdraft Protection. Overdraft Protection allows money to automatically transfer into your checking account from another of your LFCU accounts if you mistakenly overdraw your checking account. Since your check won't bounce, you won't get hit with a bounced-check charge from the business that received the check.

A Line of Credit is a reusable loan that is pre-approved and available to you 24 hours a day, seven days a week. Once your Line of Credit is established, you can access it at the ATM, on L@ngley Link or CHIPS (Phone banking) or in person. If you have a Checking Account with LFCU, your Line of Credit will also act as automatic Overdraft Protection — you write yourself a loan by simply writing a check. Plus if you overdraw your checking account, your Line of Credit will automatically cover your check up to your approved limit.

Your FLIP Debit Card is like having a plastic check because each time you use it, the amount is automatically deducted from your Checking Account. In fact, it's better than a check. Your FLIP Debit Card is accepted at places where your check may not be. And it's much more convenient — just swipe your card to make purchases. Since your checking account statement will list all of your purchases, it's easy to keep track of spending. You can also use your Debit Card to withdraw money at an ATM.

Buying your first home can be overwhelming. Understanding the process can make you more comfortable and confident in your negotiations. Will you need a down payment? How much of a down payment will you need? Which mortgage is right for you? What happens at the closing? LFCU will guide you through the process, and help you find the mortgage that fits your needs.

You want to start planning for the future, but maybe you're not quite sure where to start. We'll help simplify investing by offering you investment** advice at any branch location. Our goal is to offer world-class service and work in the best interest of members. Let our experienced staff help get you started. Call 757-898-0089 to arrange for your free consultation or click here for more information.

If you're looking for assistance in establishing a budget, repaying debt, improving your credit score or meeting savings goals, our Financial Counselors can help. Make your appointment by calling 827-7200, extension 7198.

With eStatements you can view, download and print your monthly statements on-line. eStatements are highly secure and help save resources so we can pass on more savings to you. They're environmentally friendly — less paper saves trees! We even archive up to two years of your statements on-line for easy reference. Simplify your life, save postage and trees — sign up for your eStatement today.

Through our on-line banking service — L@ngleyLink — you can access your accounts from the Internet. Examine the balances in your accounts, transfer money, discover when checks clear... all from the convenience of your personal web browser. Enroll now.

Sign up for eNews and we'll email the latest information on new services, financial seminars, special offers, LFCU events and much more.

Financial education seminars geared to young adults will give you the knowledge you need to make wise financial choices. All seminars are held at the LFCU Education Center at the Oyster Point Branch. For a list of current seminars, click here.

Build wealth not debt by becoming a Langley Saver. Langley Savers set a regular monthly savings goal of as little as $10 and try to save that amount every month. Langley Savers work toward a savings goal such as home ownership, an emergency savings account, school tuition, retirement, or even a debt repayment plan. As a Langley Saver you will also receive:

• FREE informational and motivational workshops with strategies on how to save and build wealth
• FREE one on one consultation with a Wealth Building Coach
• FREE advice from a financial counselor
• FREE seminars by financial experts on topics like credit scoring, debt repayment, home ownership, and retirement planning
• Subscription to America Saves quarterly newsletter
• FREE access to savings products with no fees

To become a Langley Saver, click here.

Financial Freedom starts here! CreditBuilder is an LFCU loan product designed to help members with no credit, little credit or unfavorable credit. The program focuses on building or rebuilding your credit score. By improving your credit score, you are likely to get better rates on loans and save a lot of money in the process. Here's how it works: proceeds of the loan are put into a savings account, earning the standard savings rate, and held as collateral. The money is then repaid at a very favorable interest rate. When the loan is paid off, the money is released. By making regular payments on time, you establish credit or potentially improve your credit score. Plus, you've increased your savings! Start building your credit score today.
Apply for a CreditBuilder loan.