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Lafayette Federal will be closed Monday, January 21st for the Martin Luther King, Jr. holiday. Members may access Online Banking or contact our 24-hour Call Center at (301) 929-7990 or (800) 888-6560. X
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Serving members worldwide since 1935.

How We Protect You

We utilize several tools designed to protect our members from identity theft. We offer programs like Email Management Services (EMS) and Mastercard® Fraud Detection. We also:

  • Remove your social security number from your statements
  • Require signatures and membership ID for address changes and cash withdrawals
  • Maintain a secure server for the website and online banking (256-bit encryption) utilizing a multifactor login.
  • Require you to answer security questions correctly to gain access to online banking through a web browser we have not previously authenticated you through
  • No longer require your member/account number on the back of checks you are cashing or depositing

EMS - Email Management Services

This new email alert feature, EMS, is a part of our Online Banking System. Members are able to sign up for email notifications that will allow you to better monitor your accounts. You can set up alerts that will notify you when you have a low balance, an overdrawn account, password changes, and many other account notices. This is a great tool to help you monitor the activity in your Online Banking accounts.

Mastercard® Fraud Detection

Mastercard® operates a sophisticated, multi-level fraud monitoring system to protect cardholders from data compromise and fraud. The system continually monitors accounts for atypical patterns of activity that are consistent with fraud. If fraud or a security compromise is suspected on a Mastercard® card account, Mastercard®works with the card issuing bank to monitor the account closely for unusual activity and notify the cardholder.

How You Can Protect Yourself

Never give out personal or financial information over the telephone unless you know EXACTLY whom you're dealing with. If you have doubts about who's on the phone, disconnect the call and call back a confirmed number.

  • Never give your ATM card PIN number out — there is NEVER a reason the caller needs it.
  • Don’t put your Social Security number or your driver’s license on your checks.
  • Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.
  • Deposit outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox.
  • Avoid storing financial information on electronic devices. If you do, use a strong password to access them.
  • Don’t use the "Remember Me" feature on any websites. And always log off when you’re finished.
  • Before you dispose of a computer, delete personal information using a "wipe" utility program to overwrite the entire hard drive.
  • Request a free annual credit report. Contact any or all of the three credit bureaus for more information or to dispute an item on your credit reports.


1-800-525-6285 |
P.O. Box 740241, Atlanta, GA 30374-0241


1-888-EXPERIAN (1-888-397-3742) |
P.O. Box 9532, Allen, TX 75013


1-800-680-7289 |
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

FBI Investigations

The FBI investigates fraud scams and offers more tips to help prevent you from becoming a victim of one of these scams. If you are a victim of one of scams the FBI investigates‚ report your case using the FBI Online Tips Form or by contacting your nearest FBI US office or overseas office.

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    Safe, convenient, customizable

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    A Lafayette Federal Holiday Loan is the perfect way to cover your extra spending this season.

    Rates as low as 4.74% APR*

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    Rates as low as 2.375% APR*