Serving the Lutheran Church-Missouri Synod Community
LutheranFCU. Good for you. Good for the church.

Checking Accounts


Freedom Checking

Appropriately named since this is your account to use how you wish with no requirements or cost to you! Free yourselves from restrictions and fees!

  • No minimum balance required
  • No monthly fee
  • Free, unlimited in network ATM transactions nationwide
  • Free Online Banking and Mobile Banking
  • Free Bill Pay
  • Free alerts
  • Free Mastercard® debit card

Yes, I would like to join Lutheran Federal Credit Union!

I am already a member and would like to open another account


Rostered Church Worker Checking

A special account for a special group of people! You must be on the LCMS roster (or retired) to be eligible.

  • No minimum balance required
  • No monthly fee
  • Free, unlimited in network ATM transactions nationwide and we will waive all out of network LFCU ATM fees
  • Free Online Banking and Mobile Banking
  • Free Bill Pay
  • Free alerts
  • Free Mastercard® debit card
  • We’ll pay for your first box of checks!

Yes, I would like to join Lutheran Federal Credit Union!

I am already a member and would like to open another account


Founders Checking

This account is exclusively for those members that keep higher balances in their checking accounts. Enjoy the same services as Freedom Checking, all the while getting interest back on your balance! Let your money reward you!

  • Minimum balance of $5,000 required*
  • Interest bearing tier structure
    $5,000 – $24,999.99    0.25%
    $25,000 – $99,999.99    0.30%
    $100,000 and above    0.375%
  • Free, unlimited in network ATM transactions nationwide
  • Free Online Banking and Mobile Banking
  • Free Bill Pay
  • Free alerts
  • Free Mastercard® debit card
  • No monthly account fee

*Cost recovery of $10 assessed each month if minimum balance is not maintained

Yes, I would like to join Lutheran Federal Credit Union!

I am already a member and would like to open another account


Essential Growth Checking

We know it’s important to teach youth about the foundation of stewardship and fiscal responsibility early on. That philosophy is the basis of this account. (And, the youngsters will be excited to have their very own debit card!)

  • 12 – 17 years of age
  • Adult family member is required to be a joint owner
  • No minimum balance required
  • Free, unlimited in network ATM transactions nationwide
  • Free Online Banking and Mobile Banking
  • Free Bill Pay
  • Free alerts
  • Free Mastercard® debit card
  • No monthly fee

Yes, I would like to join Lutheran Federal Credit Union!

I am already a member and would like to open another account