Member Resources

The Credit Union offers a host of financial services to our members to help them make the right financial decisions. Whether you need help with a new auto loan, that vacation you’ve been wanting to take, or thinking about your future with an IRA or just a savings or checking account, we’re here to help.

What is Reg CC and Why Does it Matter?

Reg CC aims to speed up the check-clearing process and ensure customers have timely access to their deposited funds. It sets specific timeframes for when funds must be made available, depending on the type of deposit (cash, checks, electronic transfers) and the location of the paying bank.

The chart below lists the inflation-adjusted dollar thresholds for Reg CC funds availability requirements. The changes are effective July 1, 2025.

Funds Availability Policy – Change In Terms

Effective July 1, 2025, Your Ability to Withdraw Funds Policy will change to increase the amount available from checks that are placed on hold.

Minimum Amount for Deposit                                     $275
Cash Withdrawal Amount                                             $275/$550
New Account Amount                                                   $6,725
Large-Deposit Threshold                                               $6,725
Repeatedly Overdrawn Threshold                                 $6,725

Here’s what you need to know:

  • Checks you deposit: The first $275 will be available the next business day. The rest will be available on the second business day.

Example: If you deposit a $700 check on Monday, $275 will be available on Tuesday, and the remaining $425 on Wednesday.

  • Cash withdrawals from deposits: You can withdraw up to $275 in cash on the same business day as your deposit.
  • Larger check deposits: If you deposit checks totaling more than $6,725 in one day, the amount over $6,725 may take up to nine business days to be fully available.
  • Electronic deposits (direct deposit, wires, etc. ): Funds will be available on the next business day.
  • Government & cashier’s checks: The first $6,725 will be available the next business day if certain conditions are met (e.g., the check is payable to you). Any amount over this limit will be available on the ninth business day.

Lost or Stolen VISA Cards

  • To report a lost or stolen Visa debit card Monday-Friday, 8:30 am – 4:00 pm, call 318.603.0626.
  • To report a lost or stolen Visa debit card after hours, call 800.472.3272 or 800.262.2024.

Recovery Plan

Disaster Recovery Contact (*****Emergency*****):

We have worked extremely hard to prepare a Disaster Recovery Plan for various types of disasters. In any event, it is our plan to get the credit union back into operation as quickly as possible with as little or no inconvenience to our membership. Following a disaster, if you are unable to reach us during our hours of operation by normal means as listed above, you may contact the following three agencies to determine our recovery plans and contact information:

Louisiana Office of Financial Institutions, Credit Union Division

8660 United Plaza Boulevard, Second Floor
Baton Rouge, LA 70809
Phone: 1-225-925-4660
Website: http://www.ofi.state.la.us/

National Credit Union Administration, Region IV

4807 Spicewood Springs Road, Suite 5200
Austin, TX 78759
Phone: 1-512-342-5600
Website: http://www.ncua.gov/

Louisiana Credit Union League

824 Elmwood Park Boulevard, Suite 200
Harahan, LA 70123
Phone: 1-800-452-7221
Website: http://www.lcul.com/