FAQS

Membership to Light Commerce Credit Union is open to New Light Church members, A.I.M. Pastors, and residents/employees of Faith Village Apartments. Once a member of LCCU, all relatives by blood or marriage and friends are welcome to join.

We are a faith based credit union.  We care about helping you with your personal finances!

Simply by opening an account, you buy a share in Light Commerce Credit Union and become an owner.  Ownership has its’ privileges.  Your ownership share gives you a voice and a vote on how YOUR Credit Union operates.  As a faith based non-profit institution, we return our profits back to our owner-members by offering better service, better rates and lower fees.  It’s a simple philosophy of “people helping people.”

No.  Once a member, always a member.

Credit unions are non-profit financial cooperatives where members have agreed to save their money in a facility they own and operate and to make their savings available for low-interest loans.  The interest from these loans is used to pay the credit union’s expenses.  After paying expenses, meeting required reserves, and providing services, the credit union returns all remaining earnings to the member-owners in the form of dividends and new services.

A bank’s priority is to put money in the pockets of their investors- not their customers.  Unlike banks, credit unions are not in the business to make a profit.  We return our profits back to you, our members.

There are three ways to join:

1. You can join online.  Give us a call 281.765.1928 and a member services representative will assist you in opening your account.
2. You can print and complete the Membership application online.  Once completed, give us a call at 281.765.1928 and we will send you a secure email to submit your application.
3. You can stop by our office and we will open an account for you on the spot.

The routing number for Light Commerce Credit Union is 113093946.

Yes.  There is no limit on the number of accounts you can have.

When you open your account, you will receive a new member letter.  The letter contains the information needed to setup your online banking. Go to the website at www.lightcommercecu.org and click on Member Logon.  Initially your User ID is your member number with Light Commerce Credit Union, and your password is the last four digits of your social security number.  Once logged in, you will be able to create your own User ID and password.

If you have forgotten your online banking password and need to reset it, click on the “Forgot Password” button on the login page.  To receive a Password for online banking, please give us a call at 281.765.1928.

When you open your checking account, we will help you order your first set of checks.

When it is time to reorder, you can either go online and click on the Services Tab, call us at 281.765.1928 or stop by our office and we will order them for you.

Yes, Light Commerce Credit Union is a safe place for you to save your money.  Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Insurance Fund (NCUSIF).  Like the FDIC’s Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.  Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

Yes. Whether you are traveling outside the country or just outside your home state, give us a call at 281.765.1928 or visit our office and let us know your plans so we can prevent any inconvenience from a flagged transaction.

We encourage you to log in online and update your address.  You can also give us a call and we will send you a Maintenance form to complete online through EDOCS.

Once you have become a member and opened a primary share account, you can open a checking account in two ways:

1. Give us a call 281.765.1928 and a member services representative will assist you in opening your account.
2. You can stop by our office and we will open an account for you on the spot.

Your debit card will be ordered on the day you open your checking account.  It usually takes up to 7 business days for the card to arrive.  Actual delivery of the card depends on postal service in your area.

The lost/stolen card hotline is available 24 hours a day, seven days a week by calling 1-888-241-2510 inside the U.S. and 1-909-941-1398 outside the U.S.

When you open your account, you will receive your computer generated PIN in the mail.  You will have instructions in the mailer to change your PIN.  You can also call our office at 281.765.1928 and a member service representative will assist.

Light Commerce Credit Union is located at 1535 Greensmark Drive, Houston, TX  77067.  We are a part of CO-OP network which gives access to 5,000+ shared branches and over 30,000 surcharge free ATMs.  You have more direct access to your money than most traditional bank customers do.  
There are four ways to find the closest Shared Branch/ATM

1. Log on at https://co-opcreditunion.org/locator
2. Text your zip code to 91989
3. Download the CO-OP Shared Branch/ATM app at Google Play or the App store
4. Call 888-748-3266

We offer:

• New and used vehicle loans
• Recreational vehicle loans
• Signature loans (no collateral)
• Savings and CD secured loans

You can apply for a loan either online or by giving us a call at 281-765-1928.