What's New

North Carolina Consumer Council

Share the opportunity of membership! Invite family, friends, and neighbors to join the Credit Union thru the North Carolina Consumer Council. NCCC membership benefits include enrollment in an Auto Recall Alert Service, Do Not Call List, Do Not Junk Mail list, and more. For more information call or visit one of our branches or visit the NCCC website at www.Ncconsumer.org.

Checking Accounts with Dividends

Starting August 1, 2012 members that maintain an average daily balance of $500 or more will earn 0.05% interest on checking accounts. Dividends will be paid the last business day of the month. We are also providing identity theft protection on all checking accounts effective August 1, 2012 at no additional cost to the member, however we are asking members to maintain an average daily balance of $25. If your average daily balance falls below $25, you will be charged a one time $5 fee for that month. (Current members have until November 1, 2012 to increase their checking balance to $25)

New Website Features

As an added benefit to our members we also have new features for online banking. You have the option to sign up for text message or email alerts. This service will allow an alert to be sent to remind you of a loan payment or the balance in your share account. Members also have the capability to add a description to your savings or loan accounts. This description or ‘nickname’ will only appear to you when you’re signed in to internet banking. For your convenience you can also view check images by double clicking on the check number. As always, we thank you for your membership!

Taking your debit card on vacation?

To prevent your debit card from being temporarily blocked for suspicious activity during times of travel; please notify the credit union when you are planning extensive travel with the dates and location of your destination. This will lessen any inconvenience of your card being blocked for suspicious activity during your travel. Please contact the credit union as soon as your travel plans are confirmed.

Visa Credit Card

We are pleased to announce that we have a new credit card rate for our Visa Credit Cards. We have a new competitive interest rate of 8.75% for our classic card. For a limited time we are offering a balance transfer program at 3.99%! Call or stop in today to see how you can take advantage of this special. Balance transfer promotion rate of 3.99% ends May 31, 2013.

Vacation Loan Promotion

Our Vacation Loan Promotion is back. You can borrow up to $5,000 for 49 months at an interest rate of 6.9% with a low monthly payment of $117.40. This promotion runs from May 1, 2013 until July 31, 2013.

Courtesy Pay is Here

Lorillard Federal Credit Union has introduced a new checking feature called Courtesy Pay. With Courtesy Pay, our intent is to provide you with another resource to help manage your occasional cash shortfall.

Courtesy Pay is a non-contractual courtesy, whereby we may honor your insufficient transactions up to your limit of $400, as long as you continue to maintain your checking account in good standing, which includes at least:

1. continuing to make deposits consistent with your past practices;
2. you are not in default on any loan obligation to Lorillard Federal Credit Union;
3. you bring your account to a positive balance at least once every 30 days.

Courtesy Pay does not guarantee that Lorillard Federal Credit Union will pay your insufficient item. However, if we do pay your overdraft, your account will be charged our standard $28 non-sufficient funds (NSF) fee.

If you would like overdraft coverage for your ATM withdrawals and everyday debit card purchases, then simply ask us to add this coverage to your account.

Contact your Lorillard Federal Credit Union Member Services Representative today with questions or to Opt-In for ATM withdrawals and everyday debit card purchases.

Eight Tips to Fight Fraud

1. Immediately report lost or stolen cards to your credit union
2. Cover the ATM PIN pad when entering your number
3. Choose a credit and debit card PIN number that is difficult to guess, but easy for you to remember
4. Do not reply to any email, text or phone requests for your social security number, credit or debit account number or any other personal information
5. Monitor your credit report, credit and debit card accounts and statements for unauthorized transactions
6. Shred all credit and debit card statements or financial documents before you throw them away
7. Before making purchases online with your credit or debit card, make sure the website is secure and the company is reputable
8. Update anti-virus and spyware software regularly

Sprint Can Help Your Credit Union Earn Additional Non-Interest Income!

Give your members big savings on their wireless service and equipment through the Sprint Credit Union Member Discount Plan. Thanks to an agreement between The North Carolina Credit Union League and CU Solutions Group, your credit union members can take advantage of this exclusive discount.

By enrolling in the Sprint Credit Union Member Discount Plan, members will receive a 10% discount on most individual service plans, a 15% discount on most business plans, discounts on equipment and accessories, plus waived fees on new activations and upgrades. All credit union members are eligible for this discount, even if their credit union isn't participating in the program.

All members have to do to get the discount is mention that they're a credit union member, and ask to be connected to the NACUC_ZZM Corp ID. To date, more than 1.1 Million credit union members have saved over $93 million through the Sprint Credit Union Member Discount Plan.

The North Carolina Credit Union League joins over 40 state leagues nationwide to bring this valuable program to its members. Currently, there are more than 1,305 credit unions participating in the Spring program, with more than 1 Million members saving with this exclusive discount.

For more information on the Sprint discount, please contact Richard Ford at 1.800.822.8859, ext. 9069.

2013 Fuel Economy Guide

The US Department of energy (DOE) and US Environmental Protection Agency (EPA) publish the Fuel Economy Guide annually and seek your help in educating the public about fuel economy and the benefits of using more fuel-efficient vehicles. We are displaying the Guides in a prominent place for patrons seeking information about purchasing new vehicles. Copies of the Guide can be downloaded at www.fueleconomy.gov or ordered via the Web at http://www.fueleconomy.gov/feg/contacts.shtml Allow 10 days for delivery when ordering via the Web site.

The Fuel Economy Guide web site, www.fueleconomy.gov, features:

• Printable electronic version of the 2013 Guide
• Updated fuel economy data for new and used vehicles dating back to 1984
• Choose vehicles for side-by-side comparison
• Emissions information
• Safety ratings
• Links to car-buying Web sites

CU Service Center Shared Branches

LFCU is closer than you might think. CU Service Centers are a network of Credit Union Offices designed to provide you service where and when need it. There are over 500 locations in 25 states ready to serve you. Many of the transactions you conduct at the credit union office are available at the CU Service Center Shared Branches.

Transactions include:

• Cashing Checks
• Deposits & Withdrawals
• Transferring funds between accounts
• Account inquiries
• Loan
• Payments

For your nearest location, go to www.creditunion.net

Guaranteed Asset Protection Plus (GAP)

New & Used vehicles often depreciate rapidly and vehicle loans are typically getting longer in terms. There may be a point where you owe more than it's worth. That's where MEMBER'S CHOICE GAP Plus can kick in. GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe. In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1000 of your next loan with your credit union when you purchase a replacement vehicle within 60 days of your primary insurance settlement. MEMBER'S CHOICE Guaranteed Asset Protection Plus helps you prepare for the unexpected.

The fee can be included with your monthly payments or made separately by cash, or check. You can cancel within 90 days for a full refund. If you have questions, simply contact your credit union.

Audio Response Phone Access Line (PAL)

PAL can be reached by calling Lorillard Federal Credit Union at 336-272-4836 or Toll Free @ 1-866-336-4836

We have a new system so you will need to follow these steps to set-up your account for the first time only

1. Call the credit union @ 272-5244 so we may maintain your profile
2. Call 272-4836 and enter the following:
   • The auto attendant will ask you to enter your account number. — Enter your member number and then the # key
   • Next, enter your personal identification code — Enter 9999# (this is a temporary code).
   • Enter the 2 digit transaction code — Enter 95# (this is to set your PIN)
   • Next, enter your personal identification code — Enter a 4 digit number followed by the # key.
   • You will be asked to enter this one more time — 4 digit number followed by the # key.
   • Next it will ask you to enter the 2 digit transaction code — we have new transaction codes and they are listed below. For your convenience, we have wallet size PAL cards that list all of our transaction codes and record numbers. Please ask for one on your next visit to the credit union.

Sign up for E-Statements Now — It's Free and Easy

First, you must be an online banking user. Please come by the Credit Union and indicate the accounts you would like to make online transfers to/from. Once you have activated your online banking account, you may sign up for E-statements from the convenience of your own home. It's the safest and most convenient delivery method! You will need to provide your email address where you wish to receive the statement. You will receive an email notifying you that your monthly/quarterly statement is available for retrieval online. You'll also be able to review the past 18 months of transaction history. It's that simple! And On-Line banking and E-Statements are both totally FREE! Simplify your finances and eliminate some paper too.

Just a Friendly Reminder...

For those of you who frequently mail checks to the credit union to be posted, we would like to ask that you either indicate on the check where you would like the check(s) to be applied or enclose a note with instructions. This will ensure that your deposits or payments are applied to the proper account. We thank you for choosing Lorillard Federal Credit Union for your financial services and we welcome any suggestions you may have to improve our products and service delivery.

Show Your Support for Big Brothers and Big Sisters

Big Brothers Big Sisters is a United Way agency that receives 30% of its annual budget from the United Way of Greater High Point. Without the help of United Way and the community, Big Brothers Big Sisters could not continue to provide free services to youth and volunteers. If you would like to volunteer or refer a child to the program, they may be contacted at 336.882.4167

Lorillard Federal Credit Union Has Partnered with Enterprise Car Sales

When you're ready to purchase a vehicle, visit or call us at 336-272-5244 to get pre-approved for an auto loan, then visit Enterprise Car Sales, where you'll receive the same world-class personal service. Enterprise provides an exclusive Perfect Used Car Package with a 7-Day Repurchase Agreement that ensures your complete satisfaction. With more than 120 makes and models of late-model, low mileage certified vehicles, you're sure to find the one that's just right for you. Haggle-free buying, Worry-free ownership. Borrow from your Credit Union — Buy from Enterprise Car Sales

Need A New Ride?*

4.20% APR available for all new and used vehicles. 100% of your loan can be financed for up to 72 months. And if you have a vehicle loan at another financial institution, ask us how to transfer it to the credit union so you can take advantage of this offer. Stop by or call the credit union at 336-272-5244 for more information.