FAQs

Get help, online banking tips, and answers to your questions all in one place.

Getting started

Our routing number is 254074811.

Members may find their account number on their initial loan funding and account opening documents, or their monthly account statements. If you still cannot locate your account number, you may contact our Member Service Department at 301-929-7990 or memberservice@lfcu.org.

Fill out our Direct Deposit Authorization form to get started.

Direct deposit allows you to earn dividends on your funds immediately and you don’t have to drive to the branches to deposit. Also, members who use direct deposit may be eligible to receive a rate discount on certain products:

  • Mortgage loans
  • Consumer loans
  • FREE Online Bill Pay

Enrollment is easy as 1, 2, 3:

  1. Log into your Online Banking account
  2. Choose More > Statements
  3. Select Enroll

With the convenience of eStatements, you can receive your monthly statement in electronic format and enjoy the following benefits:

  • Available sooner than a printed statement
  • View 24 months of statement history
  • Be environmentally friendly
  • Eliminate identity theft mail interceptions
  • Encrypted and firewall protected for greater security

All you need is an Online Banking account and a smartphone (iOS/Apple iPhone or Android), a web-enabled device (mobile browser) or a standard mobile device with text capabilities.

Yes, you may use your debit card internationally.

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Reporting fraud

Previously, you would have only received a personal call from a live agent if card fraud was suspected. With our new system, cardholders will immediately receive automated suspicious activity alerts in the following order. We will not ask for your card number during verification, however, you will receive a four-digit case number to provide to our live agent for verification.

1. Text message and email (if cell phone and/or email are listed on member’s account)
2. Automated call with instructions

Call the appropriate phone number:

  • Debit Card Services: 1 (888) 918-7802 or, if outside of the U.S., 1 (636) 722-7111 collect
  • Credit Card Services: 1 (866) 820-2904 or, if outside of the U.S., 1 (636) 722-7111 collect

During Lafayette Federal business hours, you may also contact us directly at (800) 888-6560 or cardservices@lfcu.org so we can put a hold on your account. If you believe you have misplaced you card, you can put your card on hold via our online banking or mobile app, and give yourself time to locate it before you call in.

Dispute fraudulent charges directly using Online Banking by going to Cards > Manage Card, navigating to the transaction you want to dispute, and clicking on the arrow next to the charge, and clicking on “Report an Issue”.

You can also immediately notify us of the unauthorized use by calling 866-820-2904. if you are outside of the U.S., please call +1 636-722-7111 collect. An affidavit will be mailed to the address on record and must be returned per the enclosed instructions. Transactions must be reported within 60 days of the statement period in which the transaction occurred.

If you think you may be experiencing fraudulent activity within your account, send us a secure message via our email, memberservice@lfcu.org or call us at 301-929-7990 or our toll free number, +1 800-888-6560.

You can set good passwords and strong challenge questions, don’t reveal personal information, don’t download files from unsolicited emails, understand that links in emails and on websites aren’t always safe, log off sites when your transactions are complete, and monitor your account activity regularly.

You should monitor your checking account monthly at a minimum. However, reviewing your accounts twice a week can help you track your spending and detect fraud more easily.

You can do this quickly by logging in to your mobile banking app or online banking, instead of waiting for your monthly statement from Lafayette Federal. If you see a transaction that you don’t recognize, alert us and we will investigate the issue.

Identity theft, phishing attempts, spoofed emails, breaches, or scams are the most common examples of fraud. Scam attempts can include lottery scams, secret shopper scams, sweetheart scams and more.

Legal and Law Enforcement Inquires such as: Subpoena, Search Warrant, IRS Notices, etc. can be delivered by mail or in person to:

Attn: Risk Management
Lafayette Federal Credit Union
2701 Tower Oaks Boulevard, Suite 200
Rockville, MD 20852

Via email: compliance@lfcu.org

For questions regarding the processing of any of the documents listed above, please call: 240-292-5550

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Making payments

In online banking or the mobile app, go to your loan and click “Pay Loan”, and chose which account you want to pay from!

In online banking or the mobile app, go to your loan and click “Pay Loan”, and chose which account you want to pay from!

Click on “Transfer Money” then, “Between Your Accounts”, Choose the account you want to pay from, then select your mortgage. You can set this up as a recurring payment!

First, you will need to go to “My Finance”, then click “Add External Account”. It can take 3 business days for your external account to be linked. Once your external account is set up, go to your loan and click “Pay Loan”, and chose which account you want to pay from!

It will take approximately three business days to link and verify your external account prior to making loan payments from that account. Watch our setting up external transfers video guide

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Card management

You may establish card controls within the Online Banking, including debit card blocks, alerts, and more. For cancellations, disputes, and lost/stolen cards, please contact us.

In the mobile app or Online Banking, click on Cards, then go to your debit card and click “Block Card” You can unblock at any time!

To add an Authorized User to your Lafayette Credit Card, please complete our Mastercard®Authorized User Form and follow the form instructions for submission. Please also include a copy of a valid form of photo ID for the new authorized user.

The credit union’s notification system through Online Banking is designed to send you up-to-date informational alerts on your account activity via email or text message.

Some of the features available to you:

    • Be alerted to Savings/Checking Accounts balances falling below a certain amount.
    • Get notified when an overdraft transfer has been made.
    • Know exactly when your deposits or withdrawals of a specific value are posted.
    • Stay on top of your loan by having notices sent out (e.g. Payment Posted, Loan Payment Not Received).

 

To take advantage of this feature:

  1. Log into your Online Banking account
  2. Select More > Add a New Alert
  3. Choose the account or card you wish to add an alert to
  4. Select an alert type and delivery method (email or text)
  5. Click Save.

To set up crebit card alerts, visit the Cards section of online banking, select the appropriate card, and then click the Add Alert button. Next, select your desired alert type, then method of communication.

To set up debit card alerts, visit the Cards section of online banking, select the appropriate card, and then click the Add Alert button. Next, select your desired alert type, then method of communication.

To set up Online Banking alerts, click the More icon (four dots) and click Alerts. From the alerts screen, you may set up a variety of card and account alerts.

You may change your debit card PIN anytime by dialing 1 (866) 985-2273 or, if outside of the U.S., 1 (531) 262-5314

Call the number above from the telephone number listed on your account. In order to change your debit card PIN, you will need to provide the following information:

  • Your card number
  • The four (4) digit expiration date
  • The three (3) digit code on the back of the card near the signature line
  • The four (4) digit PIN of your choice

Call the appropriate phone number:

  • Debit Card Services: 1 (888) 918-7802 or, if outside of the U.S., 1 (636) 722-7111 collect
  • Credit Card Services: 1 (866) 820-2904 or, if outside of the U.S., 1 (636) 722-7111 collect

During Lafayette Federal business hours, you may also contact us directly at (800) 888-6560 or cardservices@lfcu.org so we can put a hold on your account. If you believe you have misplaced you card, you can put your card on hold via our online banking or mobile app, and give yourself time to locate it before you call in.

Not finding what you’re looking for? Contact us

Shared Branches & ATMs

A shared branch is a credit union location that is part of a national network of linked or shared facilities. Members of participating credit unions may conduct business at any of the shared facilities as though they were at their home credit union. Shared branches provide added convenience, allowing you to access your account at many more locations.

You can make deposits, withdrawals and loan payments. Additionally, most locations will also let you transfers between sub-accounts. At some shared branch locations you can purchase Money Orders, Travelers Checks, and Official Checks.

The name of your Credit Union (Lafayette Federal Credit Union)

• Your Account Number

• A current, un-expired VALID U.S. Government issued picture identification with signature. The following are approved forms of identification:

– State issued driver’s license or identification card

– U.S. Passport – City, State, County or Federal I.D. card or badge

– U.S. Armed Forces Identification Card or the new Smart Identification card without signature – Resident Alien Card issued by the INS

Your membership and accounts remain at Lafayette Federal Credit Union. The shared branching service is offered to increase access and convenience for our members.

An ATM located or associated with a shared facility is subject to the fees and rules that govern that machine and its operation.

Shared branches may impose daily cash withdrawal limits. Please contact the shared branch prior to visiting for their policy.

There is no service charge for routine account transactions. There may be costs associated with certain services such as Traveler’s Checks, Money Orders and Official Checks

A member’s right to privacy as enacted by Federal Regulations will be upheld to the fullest extent of the law.

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Consumer Loan Rate Discount

All consumer loans are eligible for our Premier Pay and Simple Pay loan discounts, including:

  • Auto & Motorcycle Loans
  • Classic Car & Restoration Loans
  • Boat & RV Loans
  • Personal Loans
  • Home Improvement Loans
  • Pool Loans
  • RediCash

To receive the 0.250% APR¹ Premier Pay discount, the follow criteria must be met:

  • Member must set up Autopay from an LFCU checking account via Online Banking within the first 90 days of loan origination date.
  • Member must set up Qualified Direct Deposit within the first 90 days of loan origination date.
  • Member must notify Lafayette Federal Credit Union of Autopay and Qualified Direct Deposit setup within the first 90 days of loan origination date.

To receive the 0.125% APR¹ Simple Pay discount, the follow criteria must be met:

Member must set up Autopay from an LFCU or external account via Online Banking within the first 90 days of loan origination date.
Member must notify Lafayette Federal Credit Union of Autopay setup within the first 90 days of loan origination date.

Autopay is defined as:

  • Recurring loan payment from an internal or external account via Online Banking.
  • Recurring loan payment set up by an LFCU employee from an internal account.

Qualified direct deposit is a recurring direct deposit of a paycheck, pension, or Social Security periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.

Yes! Members with an auto loan may be eligible for our 0.125% APR¹ Green Auto Loan discount if their vehicle is a U.S. EPA designated SmartWay Certified Vehicle. Lots of cars qualify — not just hybrids and small cars.

Find out if your vehicle is considered SmartWay by the Environmental Protection Agency.

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We’re always available to answer your questions.

Call us

Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)

Stop by one of our branches
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