Frequently Asked Questions

General Questions  |  Checking/Savings  |  ATM/Debit Card
Loans  |  Online Banking FAQ  |  Identity Theft Resource Kit

Loans

What are your current loan rates?
Can I apply for a loan online?
What should I do if I can't make my payment this month?
Does Linn Area Credit Union offer loan insurance?
Can I make loan payments online?
I’m traveling and using my Linn Area credit card? Is there anything I need to know?
What are the rates on LACU credit cards?
I’m traveling and using my Linn Area credit card? Is there anything I need to know?

What are your current loan rates?
See current rates for the latest loan rates. Click here to access our Current Rates page.

To find out more, give us a call at 378-0101, Option 0 or 1-800-950-5228, Option 0, send us an email or stop by one of our convenient locations.

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Can I apply for a loan online?
You can apply for a loan and get an approval in less than 60 seconds for most types of loans. Click here to learn more.

To find out more, give us a call at 378-0101, Option 0 or 1-800-950-5228, Option 0, send us an email or stop by one of our convenient locations.

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What should I do if I can't make my payment this month?
The most important goal is to pay the loan payment before the next one is due. There are Reminder and Past Due Notices that are mailed approximately 10 and 20 days after the due date to each signer on the loan. If it is not possible to make the payment before the next one comes due it will be necessary for you to contact our office to make other arrangements. Depending upon the situation there are options we may be able to look at.

The most important thing is to contact us as soon as possible. Give us a call at 378-0101, Option 1 or 1-800-950-5228, Option 1, or stop by one of our convenient locations.

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Does Linn Area Credit Union offer loan insurance?
Linn Area Credit Union offers several types of loan insurance: Guaranteed Auto Protection (GAP), Extended Auto Warranty Coverage, Credit Life Insurance and Credit Disability Insurance

Click here to find out more about these different types of loan insurance.

Or give us a call at 378-0101, Option 0 or 1-800-950-5228, Option 0, send us an email or stop by one of our convenient locations.

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Can I make loan payments online?
Using HFS, you can transfer funds to any loans you may have at Linn Area Credit Union. Click here to login to HFS.

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What are the rates on LACU credit cards?
Click here to read about Linn Area Credit Union credit cards and to view the credit card disclosure page.

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I’m traveling and using my Linn Area credit card? Is there anything I need to know?
If unusual activity, such as different purchase locations, shows up on your Linn Area credit card, Card Services will try to contact you to determine if you are actually making these charges. If they cannot reach you, they may stop all activity on the card. Before traveling, call 1-800-234-5354, Ext 0.

If you have questions about your Linn Area credit Card while traveling within the U.S. call 1-800-377-1809. If you’re traveling outside of the U.S. call 1-402-777-4511.

To find out more, give us a call at 378-0101, Option 0 or 1-800-950-5228, Option 0, send us an email or stop by one of our convenient locations.

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