Legal Information

The Credit Union offers members the ability to view certain legal documents electronically. Please select a document to review:

Cardholder Disclosures

The Visa^® credit card Cardholder Agreement for new accounts contains Pricing Information and may show a range of APRs.

If you are a current Visa credit card cardholder and would like to request* a copy of your Cardholder Agreement, please contact us at 888.732.8562 or use the button below to request a copy online via Member Connect.

Request Agreement

*Copy of your Cardholder Agreement will be mailed to the address on your account.

Permitted use

Users of the Local Government Federal Credit Union (LGFCU) family of websites are allowed to review and print the content for informational purposes only. Any misuse of information and materials contained on these sites is strictly prohibited. Photos of LGFCU members used on LGFCU websites may not be used without written permission.

Disclaimer

LGFCU takes reasonable measures to ensure the quality of the content on its websites. However, LGFCU provides no warranty, expressed or implied, for the information available through these sites. The use of LGFCU websites is at your own risk and you will not hold the parties involved in creating, producing or delivering these sites liable for any loss, injury, claim, liability or damage of any kind.

Warranties

LGFCU provides relevant links to information and websites not affiliated with LGFCU as an additional resource for our users. References to any entity that is linked from LGFCU websites, or its services and products, are provided "as is" without warranty of any kind, either expressed or implied.

In no event shall LGFCU be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of these sites.

LGFCU specifically disclaims all warranties, expressed, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. To the fullest extent permitted by law, LGFCU disclaims any warranties for other services or goods received through or advertised on the LGFCU sites or accessed through any links on the LGFCU sites.

Trademarks

The Local Government Federal Credit Union name and logo, Local Government Federal Credit Union mission statement "To improve the lives of our members" and design mark, Aim magazine and logo, are trademarks owned by Local Government Federal Credit Union and may not be used without permission.

Scheduled unavailability

Member Connect is unavailable from approximately 2 a.m. to 3 a.m. Eastern Standard Time (EST) for scheduled processing.

Credit Union internet account access disclosure statement

A printed copy of this document may be requested by contacting your local branch or by emailing info@lgfcu.org.

Note: Through a contractual agreement, State Employees' Credit Union personnel provide services to LGFCU members.

Transfer limitations

There is no limit on the number of transfers from your checking account, whether they are made in person, by ATM, by mail, by electronic transfer or to make payments on Credit Union loans.

The functions and limitations of the Member Connect service may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership. The Electronic Funds Transfer Act and Regulation E require disclosure of the following information relating to Electronic Funds Transfer:

Your liability for unauthorized transfers

Liability disclosure. By applying for internet account access, you agree to accept responsibility for protecting the integrity of your password, in order to prevent unauthorized transactions and/or account access. You also agree that the Credit Union may revoke internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding your password. Further, you agree that, if the Credit Union is notified or becomes aware that you have filed a petition of bankruptcy, the Credit Union may revoke or refuse to grant you internet access to your account.

Notify us at once if you believe your account has been accessed without your authority. The best way to minimize your possible loss is to telephone, although you may advise us in person, in writing, or via the internet service. If you do not notify us, you could lose all the money in your account (plus your maximum line of credit amount and your maximum amount available in your Overdraft Transfer Service, if any). If you tell us within two business days after you learn of unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do not tell us within two business days after you learn of the unauthorized access and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

If your statement shows any electronic funds transfer you did not make or authorize to be made, advise us at once. If you do not tell us within 60 days after the first statement which reflected the unauthorized transfer was mailed to you, you may not get back any money you lost after the 60 days, provided we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

If you believe unauthorized access occurred on your account or your password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call 24 hours a day:

Contact information

Toll-free: 888.732.8562
In Raleigh: 919.857.2150

Or write:

State Employees' Credit Union*
PO Box 25279
Raleigh, NC 27626-0562

*Through a contractual agreement, State Employees' Credit Union personnel provide services to LGFCU members.

Stop payment rights

The Credit Union may refuse to honor any stop payment order that cannot be authenticated by you in writing or electronically. Previously authorized debits to an account from an institution, agency or company other than the Credit Union must be revoked in writing to the originating institution, agency or company. Upon notification of this revocation by the accountholder, the Credit Union will stop and return unpaid all future debits from the institution, agency or company regardless of the amount. Preauthorized periodic transfers or payments from or to your Credit Union accounts may be stopped if written order is received by the Credit Union at least three business days in advance of a scheduled transfer. Stop payment orders remain in effect for 12 months. In order for the stop payment order to continue for another 12 months, a new stop payment order must be completed by the accountholder.

Business days

Our business days are Monday through Friday, excluding designated holidays.

Documentation of transactions

You will receive a monthly statement for all your accounts. Additionally, through the internet account access service, you can view all activity on your accounts for the last 45 days at any time.

Transaction fees

The Credit Union does not charge for electronic funds transactions initiated via the internet or the right to access your account via the internet. The Credit Union reserves the right to charge for internet account access services. You will be given at least 21 days advance notice before the Credit Union implements any changes or fees for any internet account access related service.

Liability for failure to make transfers

If the Credit Union does not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your account or available through Overdraft Transfer Service to make the transfer.
If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement.
If despite reasonable precautions that we have taken, circumstances beyond our control (such as fire, power failure, flood or failure of paying agency to deliver direct deposit payment data) prevent the transfer.
If the ATM where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

Account information disclosure

We will disclose information to third parties about your account or the transactions you make:

If we return checks on your account drawn on insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds.
When it is necessary for completing transfers.
In order to verify the existence or conditions of your account for a third party, such as a credit bureau or merchant.
In order to comply with government agency or court orders.
If you give us your written permission.

In case of errors or questions

Notify us soon as you can, if you think your statement or account history is wrong or if you need more information about a transaction listed on your statement or account history. We must hear from you in writing no later than 60 days after we send the first statement on which the problem or error appeared.

Tell us your name and account number.
Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account.

If it is determined there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Contact information

Toll Free: 888.732.8562
In Raleigh: 919.857.2150

Or write:

State Employees' Credit Union*
PO Box 25279
Raleigh, NC 27626-0562

*Through a contractual agreement, State Employees' Credit Union personnel provide services to LGFCU members.

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau's website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions is also available at this website.