Your bank should be rooting for you. Ours is.
Most banks are built for banks. LMCU checking and savings accounts are built for the people who use them.
93 years of being in your corner.
Banks answer to shareholders. LMCU answers to you. What we'd otherwise pay out in dividends to shareholders comes back to members in the form of better rates and lower fees on our checking and saving accounts. We've been doing it that way for nearly a century. Not because we have to, but because we want to. It’s why we do what we do.
This is member-first banking
It's checking and savings accounts that earn you more. It's terms and conditions that cost you less. It's a financial institution that actually remembers whose money it is.
Earn More Interest
From 4.00% high yield checking to tiered savings, your balance works a lot harder here.2
Digital Tools
Mobile deposits, balance alerts, full account management — 24/7, right from your phone.3
Discover what 665,000+ members already know.
Your LMCU checking and savings accounts are already working for you — earning interest, skipping fees, and doing their job whether you're paying attention or not. Here's what our members think.
5-star rating for financial stability.
—Bauer Financial, 12/10/2025
Disclosures
Overdraft/returned item fees may apply.
Rates may change after account opening. This APY is accurate as of 9/10/2026. Fees may reduce earnings. No minimum balance required. To earn interest some requirements apply. Monthly requirements must occur by 8:00 p.m. ET on the last day of the month. Purchases do not include ATM transactions. Credit or Debit card purchase requirements are based on purchase preference. Interest not paid on balances over $15,000. Interest not paid if requirements are not met. Nearly $600 is earned at 4.00% APY on balances of $15,000.00.
Third party internet/mobile/data fees may apply.
