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Documents & Disclosures

General Services
Description Fee
Verification of Deposits $10.00
Wire Transfers Sending $20.00
Wire Transfers Received $10.00
Fax per page incoming $1.00
Fax Outgoing $3.00
Each Extra Outgoing Page $0.50
Sponsor Check Cashing for a Non-Member $5.00
Attachment/Levy Against Members Account $35.00
Coin Deposit over $50.00 (5% of deposit) 5%
Share Accounts
Description Fee
New Member Account Fee $1.00
New DBA and Corporation Business Member Fee $20.00
Early Closure within 90 Days $20.00
Reopen Account $6.00
CU Check Issued to Third Party $4.00
Copies of Statements (per month or Quarter History) $5.00
Account Fee $5.00
Return Deposit Items $25.00
Stop Payment of Credit Union Corporate Check $25.00
Photo Copy of Paid CU Check $5.00
Account Closed by CU Due To Misuse or Abuse $25.00
Money Order $2.00
Account Maintenance Fee (after 6 months, account balance drops below $25) $5.00
Dormant Fee (No activity after 12 months) $5.00
Share Draft Accounts
Description Fee
Temporary Checks 5 for $5
NSF Charges (each time presented) $29.00
Courtesy Pay Fee (negative balance) $29.00
Stop Payments Single Items Or Range $25.00
Copies of Paid Drafts $5.00
Account Closed by CU Due To Misuse or Abuse $25.00
Account Reconciliation Per 1/2 Hour (Research & Balance) $10.00
Stop Payment of Credit Union Corporate Check $25.00
Return Deposit Items $25.00
Retrieval Fee $25.00
Late Ach Return Fee $25.00
Sole Proprietor (DBA) Monthly Fee $10.00
Corporate Business Monthly Fee $35.00
Loans
Description Fee
Late Charge After 10 Days $25.00
Loan Reconveyance $67.00
Return Loan Payment $25.00
2nd Repo Payoff Request $25.00
Pay by Phone/ACH $20.00
Miscellaneous
Description Fee
Physical Appraisal for Other Institution or Business $10.00
Locator Fee (per year) $5.00
Bad Address Fee $2.00
Photo copy $0.25
Visa Credit Card
Description Fee
Late Fee $25.00
Over Limit Fee $20.00
Returned Payment Item $25.00
Returned Card $5.00
Replacement, Extra Card $15.00
Second Replacement Card $30.00
First Pin FREE
New Pin Number $5.00
VISA, ATM, Check Cards
Description Fee
Courtesy Pay Negative Balance NSF $29.00
Replacement, Extra Card $15.00
Second Replacement Card $30.00
First Pin FREE
New Pin Number $5.00
ATM Withdrawals $2.00
ATM Withdrawals (Proprietary) FREE
ATM Deposit Correction $5.00
Electronic Funds Transfer
Description Fee
Transaction Overdrawing the Account

(each time presented)

$29.00
ATM Withdrawals $2.00
Pin Replacement $5.00
Update Positive File Balance $5.00
IRA
Description Fee
Early Withdrawals, Closure Rollover or Transfer to another institution $20.00
Bill Pay
Description Fee
Written Correspondence to Payee $20.00
Per proof of Payment not necessitated by a dispute $20.00
Payments returned due to Member Error $20.00
Cleared payments making a negative balance

$29.00

*Fees effective as of 9/22/2021

What does Lassen County Federal Credit Union Do With Your Personal Information?

Facts

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Address
  • Account Number

How?

All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons Lassen County Federal Credit Union chooses to share; and whether you can limit this sharing.

How does Lassen County Federal Credit Union share your information?
Reasons we can share your personal information Does Lassen County Federal Share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO
For our marketing purposes— to offer our products and services to you NO NO
For joint marketing with other fi nancial companies YES YES
For our affiliates’ everyday business purposes— information about your transactions and experiences NO NO
For our affiliates’ everyday business purposes— information about your creditworthiness NO NO
For our affiliates to market to you NO NO
For nonaffiliates to market to you NO NO

To Limit Our Sharing

Please note:

If you are a new customer, we can begin sharing your information days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 877-557-7736 or go to https://www.lassencreditunion.com

Mail To:

Lassen County Federal Credit Union
2605 Riverside Dr
Susanville, CA 96130

Who we are

Who is providing this notice?

Lassen County Federal Credit Union

What we do

How does Lassen County Federal CU protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Lassen County Federal CU collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Update your personal information
  • or Transact on your account

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes —information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfi nancial companies.

  • Lassen County Federal Credit Union does not share your information with Affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfi nancial companies.

  • Lassen County Federal Credit Union does not share your information with Non Affiliates

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you

  • CUNA Mutual Insurance Society
    5910 Mineral Point Road, Madison, Wisconsin 53705

NOTICE

FUNDS AVAILABILITY POLICY - CHANGE IN TERMS

Our Funds Availability Policy for check holds will change in the following beneficial way:

Funds Availability Policy Changes
Benefit Before Effective July 1, 2020
Deposits not subject to next-day availablity $200 $225
Large deposits and new accounts not subject to next day availability $5,000 $5,525

Additionally, the threshold for determining a repeat overdraft will increase from $5,000 to $5,525.

Should you have any questions, please call us at (530) 257-7736 and speak with a Member Service Representative.

FAIR LENDING NOTICE

It is illegal to discriminate in the provision of or in the availability of financial assistance for the purpose of purchasing, constructing, rehabilitating, improving, or refinancing housing accommodations due, in whole or in part, to the consideration of:

  1. Conditions, characteristics or trends in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate that consideration of these conditions in the particular case is required to avoid an unsafe and unsound business practice; or;
     
  2. Race, color, religion, sex, martial status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance for the purpose of purchasing, constructing, rehabilitating, improving, or refinancing a housing accommodation. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one-to four-unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this credit union or:

    National Credit Union Administration Office of Examination and Insurance

    775 Duke Street, Alexandria, VA 22314-3428

    or call: (703) 518-6300

If you file a complaint with the National Credit Union Administration, California State law requires that you receive a decision within 30 days of receipt of the complaint.

Become a Member

Joining Lassen County Federal Credit Union is easy.

You are eligible for membership if you:

  • Live, work, or worship in Lassen County
  • Are related to a current member of Lassen County Federal Credit Union

If you are eligible for membership, come in and meet with a Member Service Representative to complete your application and open your member Base Share Account.

You will need to make an initial deposit into your Member Share Savings Account of $25. In addition, there is a one-time membership fee of $1.

Please Bring:

Your unexpired drivers license or another valid United States government-issued photo ID (United States Passport, state-issued ID Card, military ID card), and cash or check for at least $26 payable to you or Lassen County Federal Credit Union. You may be required to show proof of membership eligibility by providing us with documents such as proof of address or employment within Lassen County.

If you have questions, please call a Member Service Representative at (530) 257-7736, Monday - Thursday between 9:00 and 5:00 or Friday between 9:00 and 5:30.

If you are already banking with another institution and wish to switch to Lassen County Federal Credit Union, you can download our Switch Kit (PDF format).