Proudly Serving Our Members Since 1948



YES, WE HAVE THAT! Have you ever wondered if your credit union offers checking, debit cards, credit cards, personal loans, check cashing, certified checks, ACH deposit and withdrawal, etc.  Yes, we do...and more!  For a full list of services, please visit our SERVICES page.
We offer new and used auto and motorcycle loans, misc. title (snowmobile, boat, camper, etc.), personal loans, and visa credit card.  Convenient application process, rapid turnaround, and new higher limits. Inquire with a staff member at your convenience!
For our members with current LECFCU loans, we are offering a skip a payment promotion* *$20 skip payment fee, per loan, withdrawn from available balance.Loan maturity extended one month from date on original loan contract.Total amount of interest charged will be greater than stated on original loan contract.Purchased credit disability and credit life insurance may expire before loan is paid in full.Cosigned loans must have both signatures for this offer.Skip payments will be one month, regardless of current repayment schedule.You may choose up to 4 loans on your account to skip a payment.Loan status must be current, not past due.Offer valid one month, through 1/31/2022*
Print your enrollment form here, or contact the credit union office.  Forms must be completed, signed, and returned to the credit union to apply this promotion to your loan.

*We apologize if you're experiencing trouble with internet explorer and our website.  Please note that our website performs best with the following browsers: chrome, edge, firefox. 1/2021

Looking for some extra vacation money?  
Need a new or used car or some money for home repairs?
personal loans

Contact us today, and have the cash you need tomorrow!*
Our credit cards offer rates as low as 6.99%*, with no annual fee!

* All loans based on approved credit, credit report completed on all applications, interest rate and credit limit based on credit score, some applications may require a cosigner or be denied. Full disclosures available at the credit union office.

Joining the credit union is easy!  We simply need a minimum deposit of $25, valid photo i.d., and proof of current residence.  Membership is open to anyone who lives, works, worships, or attends school in the Girard / Lake City area; also immediate family or household members of current members are eligible to join.  Stop in and see us at your convenience, we'd love to serve you too!


After hours drop box

For your convenience, we have installed an after hours drop box, located at the back of the building. Please put your deposit, loan payment, note or form in an envelope, and drop in the metal slot in the blue door in the back. Your envelope will drop into a secure box inside.

Lost or Stolen Card?

To report a lost or stolen debit or credit card,  you may contact the credit union directly during our business hours.  During non-business hours, please call 


Voted #1 Credit Union

Our sincere thanks to the readers of the West County News Journal for naming us #1 credit union in the west county!  We have been serving the local area since 1948, originally as the Toymakers FCU, and look forward to serving our members and the community for many more years to come!